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Gateway Bank

Rison, AR · Cert 8730 · Sigma Holdings Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=581 to 629). 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

17

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

19

Q2 2024Q2 2026peer median

Efficiency

28

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 Bank

Rison, AR · Cert 8730 · Sigma Holdings Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$181.0MAssets
$160.7MLoans
$162.6MDeposits
$17.5MEquity
Loan mix
84%RE $130.5M14%C&I $22.0M2%Consumer $2.5MQ2 2025Q2 2026
Deposit mix
94%Interest-bearing $152.9M6%Noninterest $9.7MQ2 2025Q2 2026

NIM

7.55%Q2 ’247.45%Q2 ’257.11%Q2 ’26+1%-2%

Non-interest income vs. expense

2.61%Q2 ’242.84%Q2 ’253.18%Q2 ’26+8%+13%

Market Position · Little Rock-North Little Rock-Conway, AR · 2026 SOD (annual) · 0.2% share · #31 of 42 inst. · $0.1B of $36.9B

81.4% Cleveland
2.7% Saline

Executive Summary

  • Earnings: ROA of 0.61%, down 41 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 3.96% of loans (+112 bps YoY), with net charge-offs at 0.08%.
  • Capital: tier 1 leverage ratio of 9.65%, up 24 bps from a year ago.
  • Funding: loans stand at 98.84% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.61%-41 bps YoY

Net Interest Margin (YTD, annualized)

3.97%-8 bps YoY

Efficiency Ratio (YTD, annualized)

77.63%+991 bps YoY

Tier 1 Leverage Ratio

9.65%+24 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.01%0.98%0.96%1.00%0.61%-41 bps
Return on Equity10.79%10.19%9.94%9.94%6.13%-465 bps
Net Interest Margin4.05%4.10%4.19%4.38%3.97%-8 bps
Efficiency Ratio67.72%69.29%69.52%66.67%77.63%+991 bps
Non-Interest Burden2.69%2.79%2.87%2.87%3.05%+36 bps
Growth
Asset Growth (YoY)6.15%-3.23%-1.38%-1.11%1.77%-438 bps
Loan Growth (YoY)-1.52%-8.09%-5.37%-2.32%2.23%+374 bps
Deposit Growth (YoY)11.50%2.22%3.06%0.69%3.46%-804 bps
Asset Quality
Nonperforming Loans / Loans2.84%4.38%3.45%3.12%3.96%+112 bps
Net Charge-Offs / Loans0.01%0.09%0.23%0.16%0.08%+6 bps
Allowance / Loans1.33%1.30%1.14%1.17%1.17%-16 bps
Allowance Coverage of NPLs0.5x0.3x0.3x0.4x0.3x-0.2x
Capital
Tier 1 Leverage Ratio9.41%9.96%10.18%10.30%9.65%+24 bps
Total Risk-Based Capital9.41%9.96%10.18%10.30%9.65%+24 bps
Equity / Assets9.42%10.21%10.01%10.13%9.68%+26 bps
Liquidity & Funding
Loans / Deposits100.03%102.28%101.70%98.48%98.84%-119 bps
Liquid Assets / Assets0.39%0.25%0.24%0.24%0.23%-16 bps
CRE / Total Capitaln/a396%398%381%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 Bank

Rison, AR · Cert 8730 · Peer group: banks under $1B in assets (n=581-629) · Sigma Holdings Inc.

State charter, Fed member · FED · 3 branches

Q2 2026

$181.0MAssets
$160.7MLoans
$162.6MDeposits
$17.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 72% of banks under $1B in assets (rank 176 of 629).
  • Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets (rank 557 of 581).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.60%

Rank 476 of 629

Net Interest Margin

3.97%

Rank 176 of 629

Efficiency Ratio

77.63%

Rank 455 of 629

Equity / Assets

9.68%

Rank 406 of 629

Non-interest income vs. expense

$0.2M$5.8MINCOMEEXPENSE
Unfavorable gap of $5.5M · efficiency ratio beats 28% of banks under $1B in assets
Bank 77.63%Peer median 67.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.60%0.60%1.01%1.45%Beats 24%476 / 629
Return on Equity6.15%5.38%9.30%13.28%Beats 29%449 / 629
Net Interest Margin3.97%3.03%3.54%4.05%Beats 72%176 / 629
Efficiency Ratio77.63%58.35%67.79%79.08%Beats 28%455 / 629
Asset Quality
Nonperforming Loans / Loans3.96%0.09%0.46%1.20%Beats 4%557 / 581
Net Charge-Offs / Loans0.04%n/a0.01%0.06%Beats 31%401 / 581
Capital
Tier 1 Capital Ratio9.65%11.24%13.84%18.77%Beats 8%581 / 629
Total Risk-Based Capital Ratio9.65%11.58%14.43%19.66%Beats 7%583 / 629
Equity / Assets9.68%9.09%10.65%13.80%Beats 35%406 / 629
Liquidity & Funding
Loans / Deposits98.84%67.24%80.90%93.48%84th pctl95 / 594
Loans / Assets88.80%53.31%67.71%78.15%98th pctl12 / 629
Brokered Deposits / Depositsn/aNot reported for this institution