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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

5.16%Q2 ’245.07%Q2 ’255.87%Q2 ’26+7%+59%

Non-interest income vs. expense

2.99%Q2 ’243.28%Q2 ’253.10%Q2 ’26+13%-6%

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 -0.24%, up 107 bps year over year; NIM at 2.98%.
  • 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 (quarter, annualized)

-0.24%+107 bps YoY

Net Interest Margin (quarter, annualized)

2.98%+111 bps YoY

Efficiency Ratio (quarter, annualized)

102.86%-7,212 bps YoY

Tier 1 Leverage Ratio

13.84%+325 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.31%-1.45%-1.99%-0.49%-0.24%+107 bps
Return on Equity-13.94%-15.00%-21.81%-4.51%-1.85%+1,210 bps
Net Interest Margin1.87%1.84%2.23%2.21%2.98%+111 bps
Efficiency Ratio174.98%170.61%197.37%121.72%102.86%-7,212 bps
Non-Interest Burden3.27%3.25%4.24%2.70%3.06%-21 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