Gateway Bank, F.S.B.
Oakland, CA·RSSD 1493319·FDIC 33103·bank:1493319·CBLR opted in
- #98 of 120Total assets in California
- 2offices
- 32employees
- Top 1%Margin improvement in the U.S.
- Top 3%Loan growth in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Gateway Bank, F.S.B.
12 of 23 FORFI signals stand out against 1223 similar banks, based on FDIC data for the quarter.
Lending outpacing deposit growthWorth a look: Liquidity FORFI signal 2nd quarter+35.1%peers +5.3%+29.8 pp
Gateway Bank, F.S.B.'s loans grew faster than at similar banks while its deposits grew more slowly, so each new loan leans harder on other funding.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| +35.1% | +5.3% | +29.8 pp |
| Deposits, 12-month growth | ||
| -7.1% | +3.9% | -10.9 pp |
With internal data, FORFI would look at: Which borrowers keep their deposits elsewhere, and how much funding existing relationships could bring.
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gateway Bank, F.S.B. itself is left out of every peer median and percentile. How signals work
Borrowed funding rising while the peer median holds steadyWorth a look: Funding 2nd quarter14.9%peers 0.0%+14.9 pp
Gateway Bank, F.S.B.'s borrowings as a share of assets rose 14.9 percentage points over the past year to 14.9%. Among 1222 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 14.9% | 0.0% | +14.9 pp |
| 12-month change | ||
| +14.9 pp | 0.0 pp | +14.9 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gateway Bank, F.S.B. itself is left out of every peer median and percentile. How signals work
Efficiency ratio falling faster than peersStrength: Efficiency 2nd quarter102.9%peers 63.2%+39.6 pp
Gateway Bank, F.S.B.'s efficiency ratio fell 72.1 percentage points over the past year to 102.9%. Among 1216 similar banks, the median fell 2.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 102.9% | 63.2% | +39.6 pp |
| 12-month change | ||
| -72.1 pp | -2.1 pp | -70.0 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gateway Bank, F.S.B. itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital 2nd quarter13.84%peers 11.33%+2.5 pp
Gateway Bank, F.S.B.'s leverage ratio rose 3.3 percentage points over the past year to 13.84%. Among 1222 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 13.84% | 11.33% | +2.5 pp |
| 12-month change | ||
| +3.3 pp | +0.1 pp | +3.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gateway Bank, F.S.B. itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter0.04%peers 0.36%-32 bps
Gateway Bank, F.S.B.'s noninterest income relative to average assets was 0.04%, compared with a median of 0.36% among 1223 similar banks: lower than 98% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.04% | 0.36% | -32 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gateway Bank, F.S.B. itself is left out of every peer median and percentile. How signals work
7 more observations
- Lending absorbing more of the deposit base as cash fallsLiquidity
- Net interest margin widening faster than peersEarnings
- Deposit costs among the highest of similar banksFunding
- Loans growing faster than peersLending
- Deposits shrinking while the peer median growsFunding
- Return on assets rising faster than peersEarnings
- Reliance on CDs falling while the peer median holds steadyFunding
Key facts
- Gateway Bank, F.S.B. is a bank headquartered in Oakland, California. It reported $288 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $204 million, down 7.1% from a year earlier, and loans totaled $247 million, up 35.1%.
- Its net interest margin was 3.13% and its annualized return on assets was -0.24% for the quarter.
- Its cost of all deposits was 3.31%, compared with a median of 1.68% among 1213 similar banks with $100 million to $300 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Gateway Bank, F.S.B.'s own data, FORFI would look at: Which borrowers keep their deposits elsewhere, and how much funding existing relationships could bring.
Analysis workspaces
Sources and identifiers
- Institution
- Gateway Bank, F.S.B. · Bank
- Federal Reserve RSSD
- 1493319
- FDIC certificate
- 33103
- Reporting period
- Peer group
- 1223 banks with $100 million to $300 million in assets that filed FDIC data for the same quarter. Gateway Bank, F.S.B. itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| -$172K | — | |
| $4.22M | — | |
| $2.08M | — | |
| $2.14M | — | |
| $26K | — | |
| $2.23M | — | |
| $97K | — | |
| $110K | — | |
| -0.24% | -0.24%ROAQ · Quarter | |
| 3.13% | 3.12%NIMYQ · Quarter | |
| 102.86% | 102.86%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.