GATEWAY BANK, F.S.B.

OAKLAND, CA | Small | Est. June 8, 1990, midnight | FDIC #33103 | RSSD #1493319 | OCC
Latest Report: 2025-12-31

GATEWAY BANK, F.S.B. is asn small FDIC-insured commercial bank headquartered in OAKLAND, CA, established in June 8, 1990, midnight. As of 2025-12-31, the bank reported total assets of $260M and total deposits of $203M. Profitability stands at -1.99% ROA and -21.81% ROE, with a net interest margin of 2.39%. The bank's CET1 capital ratio is 8.38%. Asset quality metrics show a non-performing loan ratio of 2.73% and a Texas Ratio of 23.86%. FDIC Certificate #33103.

Assets

$260M

Deposits

$203M

Loans

$215M

Equity

$22M

Profitability

Return on Assets (ROA) -1.99%
Return on Equity (ROE) -21.81%
Net Interest Margin (NIM) 2.39%
Yield on Assets 5.69%
Cost of Funds 3.15%

Asset Quality

NPL Ratio 2.73%
Net Charge-Off Ratio --
Texas Ratio 23.86%
NPA Ratio 2.26%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 8.38%
Tier 1 Capital 8.38%
Total Capital Ratio 8.79%
Leverage Ratio 10.18%
Loan-to-Deposit 105.97%

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