Gateway Bank (Mendota Heights, MN)
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Data as of · sourced from FFIEC call reports. How we update
Gateway Bank is an FDIC-insured commercial bank headquartered in Mendota Heights, MN, established in 2004 (FDIC certificate 57644), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $319.5M, up 9.7% from Q2 2025, the 85th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 11.29% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57644
- Headquarters
- Mendota Heights, MN
- Established
- 2004
- Total assets, Q2 2026
- $319.5M
- Assets vs Q2 2025
- +9.7%
- CET1 ratio, Q2 2026
- 11.29%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 096017337
- Latest call report
- Q2 2026, FFIEC 041 · Gateway Bank call report
- Holding company
- PB FAMILY BANCSHARES, INC.
- Asset rank in state
- 85th of 221 in Minnesota
Gateway Bank operates with a thinner capital cushion than most banks of its size. Based in Mendota Heights, Minnesota, it had $320 million in assets at June 30, 2026, up 9.7% from a year earlier. It funds 8.39% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $1.5 million, 41% above the same quarter a year earlier. Over the same year, loans grew 0.6% and deposits grew 5.0%.
As of June 30, 2026, Gateway Bank reported a CET1 capital ratio of 11.29%, a return on assets of 1.83%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.02%. The figures come from its call report filed with the FFIEC.
Gateway Bank ranks as the 85th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $319.5M, loans fell 1.6% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 35.5% of total loans, followed by commercial and industrial loans at 24.8%. The FDIC Summary of Deposits lists 2 offices for it, in Mendota Heights, MN and Edina, MN; its Mendota Heights office books 90% of its branch deposits. On its Q2 2026 call report, Gateway Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 745 Market St, Mendota Heights, MN 55118
- County
- Dakota
- Metro Area
- Minneapolis-St. Paul-Bloomington, MN-WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 20, 2004
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $269.7M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- $0
- Average total assets
- $327.2M
- Average total loans
- $225.5M
- Average interest-bearing deposits
- $218.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 20, 2004
- FDIC Cert
- 57644
- Fed RSSD
- 3223417
- Website
- www.gateway.bank →
- Parent Holding Company
- PB FAMILY BANCSHARES, INC. (RSSD 5672448)
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Gateway Bank's total assets moved between a low of $250.0M (Q3 2023) and a high of $319.5M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$319.5M total assets against $291.2M; $273.4M total liabilities against $261.1M.
$223.4M net loans and leases against $222.1M; $269.7M total deposits against $256.9M.
$18.7M securities against $17.3M; $53.2M cash and balances due against $48.1M.
$113K total interest income against $4.1M; -$459K total interest expense against $1.6M.
$572K net interest income against $2.5M.
$199K total noninterest income against $78K; -$696K total noninterest expense against $1.6M.
$0 provision for credit losses against -$150K.
$1.5M net income against $1.1M.
1.83% return on assets against 1.46%.
11.29% CET1 capital ratio against 13.77%; 8.39% tier 1 leverage ratio against 10.34%.
Inside the full Gateway Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGateway Bank rankings
Its closest position to the top of a national ranking is 706 of 3,611, for ROA; its furthest is 3,322 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.37% (Q1 2026) to 1.83% (Q2 2026) and its net interest margin ran from 3.34% (Q1 2025) to 3.73% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.29% | 1.83% | 0.00% | 0.02% | — |
| Q1 2026 | 11.97% | 0.37% | 0.01% | 0.04% | 3.53% |
| Q4 2025 | 14.16% | 1.48% | 0.01% | 0.06% | 3.73% |
| Q3 2025 | 13.73% | 1.34% | 0.02% | 0.14% | 3.57% |
| Q2 2025 | 13.77% | 1.46% | 0.01% | 0.09% | 3.51% |
| Q1 2025 | 13.48% | 1.12% | 0.00% | 0.00% | 3.34% |
| Q4 2024 | 13.53% | 1.68% | 0.00% | 0.00% | 3.57% |
| Q3 2024 | 13.57% | 1.16% | 0.00% | 0.00% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gateway Bank (main office) | Mendota Heights , MN | 55118 | $243.3M |
| Edina Branch | Edina , MN | 55410 | $26.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 114 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 30 applications, 27 loans originated, $9.9M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gateway Bank
What are Gateway Bank's total assets?
As of the Q2 2026 filing, Gateway Bank reported total assets of $319.5 million in its FFIEC call report.
Where is Gateway Bank headquartered?
It is headquartered in Mendota Heights, MN, United States.
When was Gateway Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Gateway Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gateway Bank?
Gateway Bank's primary federal regulator is the FDIC.
What is Gateway Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.29% in its Q2 2026 call report, above regulatory requirements.
How many branches does Gateway Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gateway Bank's Texas Ratio?
Its Texas Ratio is 0.02% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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