Gateway Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Deposits to assets dropped 5.84 percentage points in Q2 2026, from 90.24% to 84.40%. It was the largest change from Q1 2026 among the key lines here. Among 221 Minnesota banks, Gateway Bank sits 17th from the top on return on assets, 2.24% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Gateway Bank reported 2.24% on return on assets in Q2 2026, 0.99 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.29% |
| Tier 1 risk-based capital ratio | 11.29% |
| Total risk-based capital ratio | 12.54% |
| Tier 1 leverage ratio | 8.39% |
| Equity capital to assets | 14.46% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.02% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.24% |
| Return on equity | 20.03% |
| Net interest margin | 4.36% |
| Efficiency ratio | 48.16% |
| Yield on earning assets | 5.69% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.87% |
| Core deposits to total deposits | 77.41% |
| Brokered deposits to total deposits | 6.91% |
| Deposits to assets | 84.40% |
| Securities to assets | 5.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.61% | 13.61% | 14.87% | 10.57% | 1.42% |
| Q4 2023 | 13.86% | 13.86% | 15.12% | 10.43% | 1.32% |
| Q1 2024 | 14.07% | 14.07% | 15.33% | 10.26% | 1.07% |
| Q2 2024 | 13.86% | 13.86% | 15.11% | 10.64% | 1.19% |
| Q3 2024 | 13.57% | 13.57% | 14.82% | 10.71% | 1.16% |
| Q4 2024 | 13.53% | 13.53% | 14.78% | 10.88% | 1.68% |
| Q1 2025 | 13.48% | 13.48% | 14.73% | 10.50% | 1.12% |
| Q2 2025 | 13.77% | 13.77% | 15.02% | 10.34% | 1.46% |
| Q3 2025 | 13.73% | 13.73% | 14.98% | 10.31% | 1.34% |
| Q4 2025 | 14.16% | 14.16% | 15.41% | 10.64% | 1.48% |
| Q1 2026 | 11.97% | 11.97% | 13.22% | 8.88% | 0.37% |
| Q2 2026 | 11.29% | 11.29% | 12.54% | 8.39% | 2.24% |
Gateway Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)