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Gateway Bank, F.S.B.

Oakland, CA · Cert 33103

State savings bank · OCC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

55

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

8

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gateway Bank, F.S.B.

Oakland, CA · Cert 33103

State savings bank · OCC · 2 branches

Q2 2026

$288.2MAssets
$246.6MLoans
$204.1MDeposits
$37.2MEquity
Loan mix
98%RE $228.4M2%C&I $4.4M0%Consumer $0.0MQ2 2025Q2 2026
Deposit mix
96%Interest-bearing $196.0M4%Noninterest $8.0MQ2 2025Q2 2026

NIM

5.00%Q2 ’245.23%Q2 ’255.35%Q2 ’26+9%+33%

Non-interest income vs. expense

2.98%Q2 ’243.27%Q2 ’252.85%Q2 ’26+15%-15%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #46 of 69 inst. · $0.2B of $513.2B

0.2% Alameda
0.1% Contra Costa

Executive Summary

  • Earnings: ROA of -0.36%, up 105 bps year over year; NIM at 2.54%.
  • Asset quality: problem loans at 2.15% of loans (-52 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 13.84%, up 325 bps from a year ago.
  • Funding: loans stand at 120.81% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.36%+105 bps YoY

Net Interest Margin (YTD, annualized)

2.54%+63 bps YoY

Efficiency Ratio (YTD, annualized)

110.67%-6,307 bps YoY

Tier 1 Leverage Ratio

13.84%+325 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.41%-1.43%-1.55%-0.49%-0.36%+105 bps
Return on Equity-14.85%-14.90%-16.58%-4.51%-3.15%+1,171 bps
Net Interest Margin1.91%1.94%2.02%2.21%2.54%+63 bps
Efficiency Ratio173.74%172.68%179.06%121.72%110.67%-6,307 bps
Non-Interest Burden3.30%3.37%3.60%2.70%2.81%-49 bps
Growth
Asset Growth (YoY)11.07%-6.64%1.69%11.23%17.07%+601 bps
Loan Growth (YoY)5.86%7.55%13.34%23.82%35.14%+2,928 bps
Deposit Growth (YoY)13.47%-6.22%-11.22%-12.14%-7.06%-2,053 bps
Asset Quality
Nonperforming Loans / Loans2.67%2.25%3.42%3.11%2.15%-52 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.38%1.41%1.18%1.09%1.07%-31 bps
Allowance Coverage of NPLs0.5x0.6x0.3x0.4x0.5x0.0x
Capital
Tier 1 Leverage Ratio10.58%10.65%10.18%14.59%13.84%+325 bps
Total Risk-Based Capital10.58%10.65%10.18%14.59%13.84%+325 bps
Equity / Assets9.53%9.86%8.48%13.03%12.90%+337 bps
Liquidity & Funding
Loans / Deposits83.08%86.42%105.97%115.03%120.81%+3,772 bps
Liquid Assets / Assets8.99%6.59%3.51%5.60%2.50%-649 bps
CRE / Total Capitaln/a161.07%197.85%167.82%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gateway Bank, F.S.B.

Oakland, CA · Cert 33103 · Peer group: banks under $1B in assets (n=581-629)

State savings bank · OCC · 2 branches

Q2 2026

$288.2MAssets
$246.6MLoans
$204.1MDeposits
$37.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 158 of 581).
  • Widest gap: efficiency ratio trails 94% of banks under $1B in assets (rank 595 of 629).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

-0.35%

Rank 588 of 629

Net Interest Margin

2.54%

Rank 563 of 629

Efficiency Ratio

110.67%

Rank 595 of 629

Equity / Assets

12.90%

Rank 187 of 629

Non-interest income vs. expense

$0.1M$8.2MINCOMEEXPENSE
Unfavorable gap of $8.1M · efficiency ratio beats 6% of banks under $1B in assets
Bank 110.67%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.35%0.60%1.01%1.45%Beats 7%588 / 629
Return on Equity-2.73%5.38%9.30%13.28%Beats 6%589 / 629
Net Interest Margin2.54%3.03%3.54%4.05%Beats 10%563 / 629
Efficiency Ratio110.67%58.35%67.79%79.08%Beats 6%595 / 629
Asset Quality
Nonperforming Loans / Loans2.15%0.09%0.46%1.20%Beats 12%512 / 581
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%158 / 581
Capital
Tier 1 Capital Ratio13.84%11.24%13.84%18.77%Beats 50%315 / 629
Total Risk-Based Capital Ratio13.84%11.58%14.43%19.66%Beats 45%348 / 629
Equity / Assets12.90%9.09%10.65%13.80%Beats 70%187 / 629
Liquidity & Funding
Loans / Deposits120.81%67.24%80.90%93.48%98th pctl12 / 594
Loans / Assets85.55%53.31%67.71%78.15%93rd pctl41 / 629
Brokered Deposits / Depositsn/aNot reported for this institution