Mendota Heights, MN · Cert 57644 · Gateway Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
56
Asset Quality
97
Profitability
41
Liquidity
92
Efficiency
47
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.
Mendota Heights, MN · Cert 57644 · Gateway Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Minneapolis-St. Paul-Bloomington, MN-WI · 2026 SOD (annual) · 0.1% share · #56 of 125 inst. · $0.3B of $253.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.00% | 1.11% | 0.99% | 1.13% | 1.14% | 1.18% | 0.32% | 1.08% | -5 bps | |
| Return on Equity | 9.72% | 10.72% | 9.59% | 10.91% | 11.09% | 11.42% | 3.29% | 9.60% | -132 bps | |
| Net Interest Margin | 3.42% | 3.38% | 3.27% | 3.31% | 3.32% | 3.40% | 3.47% | 3.85% | +54 bps | |
| Efficiency Ratio | 63.84% | 62.85% | 64.02% | 62.40% | 61.06% | 59.84% | 88.62% | 65.70% | +330 bps | |
| Non-Interest Burden | 2.14% | 2.09% | 2.06% | 2.03% | 1.99% | 1.99% | 3.06% | 2.30% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.49% | 1.18% | 11.47% | 11.96% | 12.88% | 9.65% | 7.27% | 9.73% | -223 bps | |
| Loan Growth (YoY) | 6.08% | 8.39% | 10.15% | 9.72% | 7.07% | 4.13% | 2.86% | 0.58% | -913 bps | |
| Deposit Growth (YoY) | 5.88% | -0.43% | 11.01% | 11.48% | 12.71% | 8.86% | 9.44% | 4.98% | -651 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.01% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.52% | 1.35% | 1.33% | 1.25% | 1.23% | 1.22% | 1.21% | 1.23% | -2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | 94.0x | 58.1x | 126.9x | 214.7x | 558.2x | +464.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.71% | 10.88% | 10.50% | 10.34% | 10.31% | 10.64% | 8.88% | 8.39% | -196 bps | |
| Total Risk-Based Capital | 14.82% | 14.78% | 14.73% | 15.02% | 14.98% | 15.41% | 13.22% | 12.54% | -248 bps | |
| Equity / Assets | 10.52% | 10.57% | 10.13% | 10.33% | 10.22% | 10.57% | 8.62% | 14.46% | +413 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.85% | 90.84% | 86.60% | 87.53% | 85.36% | 86.89% | 81.39% | 83.87% | -366 bps | |
| Liquid Assets / Assets | 12.21% | 12.08% | 15.35% | 14.77% | 16.71% | 16.50% | 18.69% | 15.04% | +26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 282% | 264% | 314% | n/a | n/a | |
Mendota Heights, MN · Cert 57644 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53) · Gateway Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Return on Assets
1.05%
Rank 29 of 53
Net Interest Margin
3.85%
Rank 24 of 53
Efficiency Ratio
65.70%
Rank 29 of 53
Equity / Assets
14.46%
Rank 2 of 53
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.05% | 0.73% | 1.11% | 1.30% | Beats 45% | 29 / 53 | ||
| Return on Equity | 7.28% | 7.88% | 12.20% | 14.12% | Beats 23% | 41 / 53 | ||
| Net Interest Margin | 3.85% | 3.39% | 3.77% | 4.09% | Beats 55% | 24 / 53 | ||
| Efficiency Ratio | 65.70% | 56.05% | 65.05% | 71.57% | Beats 47% | 29 / 53 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.14% | 0.52% | 1.20% | Beats 94% | 4 / 53 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.08% | Beats 100% | 13 / 53 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.29% | 10.73% | 12.98% | 15.08% | Beats 34% | 35 / 53 | ||
| Total Risk-Based Capital Ratio | 12.54% | 11.49% | 13.79% | 16.34% | Beats 38% | 33 / 53 | ||
| Equity / Assets | 14.46% | 8.08% | 9.25% | 10.72% | Beats 96% | 2 / 53 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 83.87% | 72.13% | 82.29% | 93.80% | 53rd pctl | 25 / 53 | ||
| Loans / Assets | 70.79% | 63.64% | 71.80% | 79.37% | 45th pctl | 29 / 53 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||