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 | |