Gateway Bank

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

$319.5MAssets

$226.2MLoans

$269.7MDeposits

$46.2MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 13 of 53).
Widest gap: return on equity trails 77% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 41 of 53).
Overall: at or above the peer median on 4 of 9 directional measures.

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

Non-interest income vs. expense

Unfavorable gap of $7.5M · efficiency ratio beats 47% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
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