Gateway Bank, F.S.B.
Oakland, CA · Cert 33103 · Peer group: banks under $1B in assets (n=570-617)
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 160 of 570).
- Widest gap: efficiency ratio trails 95% of banks under $1B in assets (rank 585 of 617).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
-0.35%
Rank 577 of 617
Net Interest Margin
2.54%
Rank 553 of 617
Efficiency Ratio
110.67%
Rank 585 of 617
Equity / Assets
12.90%
Rank 179 of 617
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 5% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.35% | 0.60% | 1.01% | 1.45% | Beats 6% | 577 / 617 | |
| Return on Equity | -2.73% | 5.30% | 9.43% | 13.30% | Beats 6% | 579 / 617 | |
| Net Interest Margin | 2.54% | 3.04% | 3.54% | 4.05% | Beats 10% | 553 / 617 | |
| Efficiency Ratio | 110.67% | 58.03% | 67.76% | 79.08% | Beats 5% | 585 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.09% | 0.47% | 1.27% | Beats 13% | 499 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 13.84% | 11.18% | 13.83% | 18.55% | Beats 50% | 308 / 617 | |
| Total Risk-Based Capital Ratio | 13.84% | 11.56% | 14.39% | 19.39% | Beats 45% | 338 / 617 | |
| Equity / Assets | 12.90% | 9.03% | 10.55% | 13.63% | Beats 71% | 179 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 120.81% | 64.77% | 79.70% | 93.06% | 98th pctl | 9 / 582 | |
| Loans / Assets | 85.55% | 51.70% | 67.18% | 77.51% | 94th pctl | 38 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |