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
Unfavorable gap of $4.0M · efficiency ratio beats 87% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.47% | 0.72% | 1.06% | 1.45% | Beats 76% | 179 / 746 | |
| Return on Equity | 13.18% | 6.74% | 10.51% | 13.63% | Beats 71% | 216 / 746 | |
| Net Interest Margin | 3.49% | 3.17% | 3.68% | 4.16% | Beats 39% | 455 / 746 | |
| Efficiency Ratio | 48.98% | 55.74% | 64.58% | 75.47% | Beats 87% | 95 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.24% | 0.09% | 0.42% | 1.07% | Beats 22% | 583 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.00% | 11.55% | 13.75% | 17.60% | Beats 32% | 511 / 746 | |
| Total Risk-Based Capital Ratio | 12.00% | 11.71% | 14.33% | 18.43% | Beats 28% | 539 / 746 | |
| Equity / Assets | 11.13% | 8.90% | 10.51% | 13.06% | Beats 58% | 314 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 79.61% | 61.31% | 78.27% | 90.78% | 53rd pctl | 354 / 746 | |
| Loans / Assets | 65.61% | 53.60% | 66.97% | 76.08% | 46th pctl | 403 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |