Gateway Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 409.2% higher than in Q1 2026, at $24.0M. Gateway Bank ranks 140th of 161 Minnesota banks on CET1 ratio, in the lower half at 11.29% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Gateway Bank sits 3.78 points lower, at 11.29% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.29% |
| Tier 1 risk-based capital ratio | 11.29% |
| Total risk-based capital ratio | 12.54% |
| Tier 1 leverage ratio | 8.39% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $25.7M |
| Tier 1 capital | $25.7M |
| Total risk-based capital | $28.6M |
| Total equity capital | $46.2M |
| Risk-weighted assets | $227.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 14.46% |
| Tangible equity to tangible assets | 8.57% |
| Equity capital to average assets | 14.12% |
| Internal capital growth rate | 22.31% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $100K |
| Common stock surplus | $22.2M |
| Retained earnings | $24.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$76K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 13.61% | 13.61% | 14.87% | 10.57% | $192.4M |
| Q4 2023 | 13.86% | 13.86% | 15.12% | 10.43% | $195.0M |
| Q1 2024 | 14.07% | 14.07% | 15.33% | 10.26% | $195.1M |
| Q2 2024 | 13.86% | 13.86% | 15.11% | 10.64% | $199.7M |
| Q3 2024 | 13.57% | 13.57% | 14.82% | 10.71% | $207.5M |
| Q4 2024 | 13.53% | 13.53% | 14.78% | 10.88% | $216.4M |
| Q1 2025 | 13.48% | 13.48% | 14.73% | 10.50% | $220.0M |
| Q2 2025 | 13.77% | 13.77% | 15.02% | 10.34% | $218.5M |
| Q3 2025 | 13.73% | 13.73% | 14.98% | 10.31% | $223.4M |
| Q4 2025 | 14.16% | 14.16% | 15.41% | 10.64% | $224.4M |
| Q1 2026 | 11.97% | 11.97% | 13.22% | 8.88% | $225.7M |
| Q2 2026 | 11.29% | 11.29% | 12.54% | 8.39% | $227.8M |
Gateway Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Gateway Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57644) · FFIEC NIC profile (RSSD 3223417)