Bank Comparison
First Bethany Bank & Trust vs Gateway Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 12
winning metrics across 19 comparable rows
Capital adequacy
| Metric | First Bethany Bank & Trust | Gateway Bank |
|---|---|---|
| CET1 Ratio | — | 11.97% |
| Tier 1 Capital Ratio | — | 11.97% |
| Total Capital Ratio | — | 13.22% |
| Tier 1 Leverage Ratio | 9.19% | 8.88% |
| Equity / Assets | 5.68% | 8.62% |
Profitability
| Metric | First Bethany Bank & Trust | Gateway Bank |
|---|---|---|
| Return on Assets (ROA) | 1.10% | 0.37% |
| Return on Equity (ROE) | 19.77% | 3.78% |
| Net Interest Margin (NIM) | 3.15% | 3.53% |
| Yield on Earning Assets | 4.90% | 5.56% |
| Cost of Funds | 1.88% | 2.21% |
Asset quality
| Metric | First Bethany Bank & Trust | Gateway Bank |
|---|---|---|
| Texas Ratio | 2.52% | 0.04% |
| Non-Performing Loan Ratio | 0.16% | 0.00% |
| Non-Performing Asset Ratio | 0.09% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.98% | 1.21% |
Balance sheet
| Metric | First Bethany Bank & Trust | Gateway Bank |
|---|---|---|
| Total Assets | $312,971K | $313,092K |
| Total Deposits | $265,138K | $282,533K |
| Total Loans | $187,777K | $229,962K |
| Total Equity | $17,788K | $27,000K |
| Net Income (quarter) | $868 | $278 |
Liquidity & funding
| Metric | First Bethany Bank & Trust | Gateway Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 70.82% | 81.39% |
| Core Deposit Ratio | 85.72% | 86.52% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First Bethany Bank & Trust | Gateway Bank |
|---|---|---|
| Headquarters City | BETHANY | MENDOTA HEIGHTS |
| Headquarters State | OK | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 3 | 2 |
| Employees (FTE) | 42 | 31 |
| Established | Jan. 1, 1923, midnight | Jan. 20, 2004, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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