Gateway Bank (Rison, AR)
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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 Rison, AR, established in 1932 (FDIC certificate 8730), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $181.0M, up 1.8% from Q2 2025, the 66th largest of 78 banks headquartered in Arkansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.65% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 8730
- Headquarters
- Rison, AR
- Established
- 1932
- Total assets, Q2 2026
- $181.0M
- Assets vs Q2 2025
- +1.8%
- Tier 1 leverage ratio, Q2 2026
- 9.65%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 082904289
- Holding company
- SIGMA HOLDINGS, INC.
- Asset rank in state
- 66th of 78 in Arkansas
Problem loans are rising at Gateway Bank. It reported $181 million in assets at June 30, 2026, up 1.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.96% of loans from 2.84% a year earlier. It earns about $0.29 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 90 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings fell sharply: quarterly net income of $130,000 was 80% below a year earlier. The commercial and industrial book ($21 million) is worsening: 8.18% of it is past due or on nonaccrual, up from 7.41% a year earlier. Funding is the softer spot: it pays an average of 4.08% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Gateway Bank reported a return on assets of 0.29%, a nonperforming-loan ratio of 3.96% and a Texas ratio of 44.10%. The figures come from its call report filed with the FFIEC.
Gateway Bank ranks as the 66th largest of the 78 banks based in Arkansas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $181.0M, loans rose 3.4% and deposits rose 3.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 40.0% of total loans, ahead of construction and land development loans at 17.8%. The FDIC Summary of Deposits lists 3 offices for it, in Rison, AR, Bryant, AR and Benton, AR; its Rison office books 58% of its branch deposits. On its Q2 2026 call report, Gateway Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 112 Main Street, Rison, AR 71665
- County
- Cleveland
- Metro Area
- Pine Bluff, AR
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1932
- Former names
- The Bank of Rison (2006-2015)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 28
- Domestic deposits
- $162.6M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $61K
- Average total assets
- $181.5M
- Average total loans
- $159.2M
- Average interest-bearing deposits
- $135.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8730
- Fed RSSD
- 733540
- SEC CIK
- 1688064 → filed by SIGMA HOLDINGS, INC.
- Website
- www.gatewaybank.bank →
- Parent Holding Company
- SIGMA HOLDINGS, INC. (RSSD 4512378)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Gateway Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Gateway Bank's total assets moved between a low of $146.8M (Q3 2023) and a high of $181.0M (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
$181.0M total assets against $177.8M; $163.5M total liabilities against $161.1M.
$158.8M net loans and leases against $155.1M; $162.6M total deposits against $157.2M.
$354K securities against $610K; $14.7M cash and balances due against $17.0M.
$3.2M total interest income against $3.4M; $1.5M total interest expense against $1.5M.
$1.7M net interest income against $1.9M.
$60K total noninterest income against $76K; $1.6M total noninterest expense against $1.3M.
$50K provision for credit losses against $30K.
$130K net income against $636K.
0.29% return on assets against 1.43%; 3.88% net interest margin against 4.27%.
9.65% tier 1 leverage ratio against 9.41%.
Inside the full Gateway Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Gateway Bank rankings
Its closest position to the top of a national ranking is 19 of 3,640, for Texas Ratio; its furthest is 3,469 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.29% (Q2 2026) to 1.43% (Q2 2025) and its net interest margin ran from 3.88% (Q2 2026) to 4.55% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.65% | 0.29% | 3.96% | 44.10% | 3.88% |
| Q1 2026 | 10.30% | 1.28% | 3.12% | 35.60% | 4.55% |
| Q4 2025 | 10.18% | 1.17% | 3.45% | 37.28% | 4.39% |
| Q3 2025 | 9.96% | 1.13% | 4.38% | 37.08% | 4.08% |
| Q2 2025 | 9.41% | 1.43% | 2.84% | 24.67% | 4.27% |
| Q1 2025 | 9.55% | 1.15% | 2.79% | 24.53% | 4.01% |
| Q4 2024 | 9.37% | 1.30% | 2.48% | 22.40% | 4.32% |
| Q3 2024 | 9.46% | 1.26% | 2.40% | 22.28% | 4.03% |
Swipe the table sideways to see every column.
Branch Network
View all 3 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) | Rison , AR | 71665 | $94.9M |
| Bryant Branch | Bryant , AR | 72022 | $51.0M |
| Benton Branch | Benton , AR | 72019 | $16.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in AR, rank 77 of 108 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $212K approved, $212K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $181.0 million in its FFIEC call report.
Where is Gateway Bank headquartered?
It is headquartered in Rison, AR, United States.
When was Gateway Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Gateway Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8730). 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 Federal Reserve.
How many branches does Gateway Bank operate?
It operates 3 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 44.10% 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.
What was Gateway Bank previously called?
The charter now named Gateway Bank has also operated as The Bank of Rison (2006-2015), per FDIC structure-change records.
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