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
Unfavorable gap of $8.1M · efficiency ratio beats 6% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.54% | 3.03% | 3.54% | 4.05% | Beats 10% | 563 / 629 | | |
| Efficiency Ratio | 110.67% | 58.35% | 67.79% | 79.08% | Beats 6% | 595 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.15% | 0.09% | 0.46% | 1.20% | Beats 12% | 512 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 13.84% | 11.24% | 13.84% | 18.77% | Beats 50% | 315 / 629 | | |
| Total Risk-Based Capital Ratio | 13.84% | 11.58% | 14.43% | 19.66% | Beats 45% | 348 / 629 | | |
| Equity / Assets | 12.90% | 9.09% | 10.65% | 13.80% | Beats 70% | 187 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 120.81% | 67.24% | 80.90% | 93.48% | 98th pctl | 12 / 594 | | |
| Loans / Assets | 85.55% | 53.31% | 67.71% | 78.15% | 93rd pctl | 41 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |