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Gateway Commercial Bank

Mesa, AZ · Cert 58678

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

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.

Peer group

Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

39

Q2 2024Q2 2026peer median (50)

Asset Quality

61

Q2 2024Q2 2026peer median (50)

Profitability

62

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

87

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gateway Commercial Bank

Mesa, AZ · Cert 58678

State charter, non-member · FDIC · 1 branch

Q2 2026

$231.4MAssets
$151.8MLoans
$190.7MDeposits
$25.7MEquity
Loan mix
76%RE $115.4M24%C&I $36.8M0%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $132.9M30%Noninterest $57.8MQ2 2025Q2 2026

NIM

4.53%Q2 ’245.17%Q2 ’255.23%Q2 ’26+28%+3%

Non-interest income vs. expense

1.79%Q2 ’241.79%Q2 ’251.77%Q2 ’26+0%-1%

Market Position · Phoenix-Mesa-Chandler, AZ · 2026 SOD (annual) · 0.1% share · #31 of 55 inst. · $0.2B of $192.0B

Executive Summary

  • Earnings: ROA of 1.44%, up 19 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 1.24% of loans (+124 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 12.00%, down 110 bps from a year ago.
  • Funding: loans stand at 79.61% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.44%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.49%+9 bps YoY

Efficiency Ratio (YTD, annualized)

48.98%-183 bps YoY

Tier 1 Leverage Ratio

12.00%-110 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.25%1.31%1.16%1.48%1.44%+19 bps
Return on Equity11.79%12.23%10.84%14.27%13.59%+180 bps
Net Interest Margin3.40%3.41%3.37%3.47%3.49%+9 bps
Efficiency Ratio50.82%48.87%50.15%45.30%48.98%-183 bps
Non-Interest Burden1.67%1.60%1.63%1.50%1.64%-2 bps
Growth
Asset Growth (YoY)6.35%10.65%9.20%15.09%8.90%+255 bps
Loan Growth (YoY)21.32%14.18%13.00%11.15%6.94%-1,438 bps
Deposit Growth (YoY)11.65%16.64%13.71%11.81%6.15%-550 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.29%1.25%1.24%+124 bps
Net Charge-Offs / Loans0.00%0.00%0.08%-0.01%0.00%0 bps
Allowance / Loans1.06%1.07%1.32%1.33%1.35%+29 bps
Allowance Coverage of NPLsn/an/a1.0x1.1x1.1xn/a
Capital
Tier 1 Leverage Ratio13.10%13.08%12.14%11.53%12.00%-110 bps
Total Risk-Based Capital13.10%13.08%12.14%11.53%12.00%-110 bps
Equity / Assets11.06%11.15%10.64%10.10%11.13%+7 bps
Liquidity & Funding
Loans / Deposits79.02%77.67%77.57%74.24%79.61%+59 bps
Liquid Assets / Assets3.18%6.08%5.98%12.46%6.43%+325 bps
CRE / Total Capitaln/a325%340%341%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gateway Commercial Bank

Mesa, AZ · Cert 58678 · Peer group: banks under $1B in assets operating in a single state (n=743-746)

State charter, non-member · FDIC · 1 branch

Q2 2026

$231.4MAssets
$151.8MLoans
$190.7MDeposits
$25.7MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
  • Widest gap: nonperforming loans / loans trails 78% of banks under $1B in assets operating in a single state (rank 583 of 743).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.47%

Rank 179 of 746

Net Interest Margin

3.49%

Rank 455 of 746

Efficiency Ratio

48.98%

Rank 95 of 746

Equity / Assets

11.13%

Rank 314 of 746

Non-interest income vs. expense

$0.3M$4.3MINCOMEEXPENSE
Unfavorable gap of $4.0M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state
Bank 48.98%Peer median 64.6%Q1 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.47%0.72%1.06%1.45%Beats 76%179 / 746
Return on Equity13.18%6.74%10.51%13.63%Beats 71%216 / 746
Net Interest Margin3.49%3.17%3.68%4.16%Beats 39%455 / 746
Efficiency Ratio48.98%55.74%64.58%75.47%Beats 87%95 / 746
Asset Quality
Nonperforming Loans / Loans1.24%0.09%0.42%1.07%Beats 22%583 / 743
Net Charge-Offs / Loans0.00%0.00%0.01%0.05%Beats 100%185 / 743
Capital
Tier 1 Capital Ratio12.00%11.55%13.75%17.60%Beats 32%511 / 746
Total Risk-Based Capital Ratio12.00%11.71%14.33%18.43%Beats 28%539 / 746
Equity / Assets11.13%8.90%10.51%13.06%Beats 58%314 / 746
Liquidity & Funding
Loans / Deposits79.61%61.31%78.27%90.78%53rd pctl354 / 746
Loans / Assets65.61%53.60%66.97%76.08%46th pctl403 / 746
Brokered Deposits / Depositsn/aNot reported for this institution