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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.25% | 1.18% | 1.28% | 0.32% | 1.82% | +57 bps | |
| Return on Equity | 12.23% | 11.45% | 12.31% | 3.29% | 15.73% | +349 bps | |
| Net Interest Margin | 3.45% | 3.50% | 3.66% | 3.47% | 4.26% | +82 bps | |
| Efficiency Ratio | 60.91% | 58.57% | 56.49% | 88.62% | 48.16% | -1,275 bps | |
| Non-Interest Burden | 2.06% | 2.01% | 2.02% | 3.06% | 1.75% | -30 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 11.96% | 12.88% | 9.65% | 7.27% | 9.73% | -223 bps | |
| Loan Growth (YoY) | 9.72% | 7.07% | 4.13% | 2.86% | 0.58% | -913 bps | |
| Deposit Growth (YoY) | 11.48% | 12.71% | 8.86% | 9.44% | 4.98% | -651 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.01% | 0.02% | 0.01% | 0.01% | 0.00% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.02% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.25% | 1.23% | 1.22% | 1.21% | 1.23% | -2 bps | |
| Allowance Coverage of NPLs | 94.0x | 58.1x | 126.9x | 214.7x | 558.2x | +464.2x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 10.34% | 10.31% | 10.64% | 8.88% | 8.39% | -196 bps | |
| Total Risk-Based Capital | 15.02% | 14.98% | 15.41% | 13.22% | 12.54% | -248 bps | |
| Equity / Assets | 10.33% | 10.22% | 10.57% | 8.62% | 14.46% | +413 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.53% | 85.36% | 86.89% | 81.39% | 83.87% | -366 bps | |
| Liquid Assets / Assets | 14.77% | 16.71% | 16.50% | 18.69% | 15.04% | +26 bps | |
| CRE / Total Capital | n/a | 282% | 264% | 314% | n/a | n/a | |