Gateway Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gateway Bank of Mendota Heights, MN against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.24% | 1.35% | +0.89% | 91st top |
| ROAE | 20.03% | 12.05% | +7.98% | 87th top |
| Net Interest Margin | 4.36% | 3.90% | +0.46% | 73rd above |
| Efficiency Ratio | 48.16% | 63.15% | -14.99% | 84th top |
| PPNR / Avg Assets | 2.24% | 1.64% | +0.60% | 81st top |
| Yield on Earning Assets | 5.69% | 5.65% | +0.04% | 54th above |
| Cost of Funds | 1.42% | 1.85% | -0.43% | 74th above |
| Net Interest Spread | 3.82% | 3.35% | +0.47% | 76th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.00% | 0.67% | -0.67% | 94th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.23% | 1.28% | -0.05% | 54th above |
| Texas Ratio | 0.02% | 7.15% | -7.13% | 90th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.29% | 20.84% | -9.55% | 11th bottom |
| Tier 1 Ratio | 11.29% | 20.87% | -9.58% | 10th bottom |
| Total Capital Ratio | 12.54% | 21.94% | -9.40% | 12th bottom |
| Leverage Ratio | 8.39% | 12.47% | -4.08% | 5th bottom |
| Equity / Assets | 14.46% | 11.67% | +2.79% | 87th top |
| TCE / Tangible Assets | 8.57% | 11.40% | -2.83% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.87% | 78.64% | +5.23% | 43rd below |
| Core Deposit Ratio | 77.41% | 87.10% | -9.69% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.73% | 6.47% | +3.26% | 82nd top |
| Loan Growth (Y/Y) | 0.58% | 7.64% | -7.06% | 25th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.98% | 6.02% | -1.04% | 57th above |
See Gateway Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gateway Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gateway Bank profile, how to read a UBPR, or how this data updates.