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Letter portraitLegal landscapeQuarterYTD

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