Gateway Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 6.07 percentage points higher than in Q1 2026, at 40.38%. Gateway Bank ranks 97th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 83.87% (Q2 2026). Gateway Bank reported 83.87% on loan-to-deposit ratio for Q2 2026, 3.03 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $226.2M |
| Net loans and leases | $223.4M |
| Loans held for sale | $0 |
| Loans to total assets | 70.79% |
| Loan-to-deposit ratio | 83.87% |
| Net loans to equity capital | 4.84% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.62% |
| Multifamily (5+ residential) | 8.44% |
| Commercial and industrial | 24.78% |
| Consumer | 2.15% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 181.73% |
| Construction concentration (Tier 1 capital + allowance) | 40.38% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.32% |
| Interest income on loans | $3.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $199.6M | $222.5M | 23.98% | 28.88% | 2.71% |
| Q4 2023 | $202.5M | $242.7M | 24.76% | 28.44% | 2.84% |
| Q1 2024 | $203.0M | $232.6M | 23.99% | 29.37% | 2.52% |
| Q2 2024 | $205.0M | $230.5M | 24.10% | 27.53% | 2.77% |
| Q3 2024 | $211.7M | $235.6M | 25.67% | 26.90% | 2.26% |
| Q4 2024 | $219.5M | $241.7M | 23.95% | 26.32% | 1.69% |
| Q1 2025 | $223.6M | $258.2M | 24.10% | 26.16% | 1.27% |
| Q2 2025 | $224.9M | $256.9M | 23.89% | 25.28% | 1.78% |
| Q3 2025 | $226.6M | $265.5M | 23.94% | 25.12% | 2.10% |
| Q4 2025 | $228.6M | $263.1M | 23.71% | 24.98% | 1.41% |
| Q1 2026 | $230.0M | $282.5M | 23.67% | 25.04% | 1.37% |
| Q2 2026 | $226.2M | $269.7M | 23.62% | 24.78% | 2.15% |
Gateway Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, freeSource: Call Report Schedule RC-C, 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)