Gateway Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Net interest margin dropped 0.67 percentage points in Q2 2026, from 4.55% to 3.88%. It was the largest change from Q1 2026 among the key lines here. Gateway Bank ranks 54th of 78 Arkansas banks on net interest margin, in the lower half at 3.88% (Q2 2026). At 3.88%, Gateway Bank's net interest margin is close to the 3.94% median for banks in the $100M-1B asset tier (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 7.25% |
| Yield on loans | 7.63% |
| Yield on securities | 2.85% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 4.08% |
| Cost of interest-bearing deposits | 3.95% |
| Cost of interest-bearing liabilities | 3.95% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.88% |
| Yield to cost spread | 3.30% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $3.0M |
| Total interest expense | $1.5M |
| Interest expense on deposits | $1.5M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 7.26% | 3.61% | 3.97% | 7.35% | 2.55% |
| Q4 2023 | 7.43% | 4.18% | 3.86% | 7.55% | 3.19% |
| Q1 2024 | 7.75% | 4.03% | 4.04% | 7.85% | 2.99% |
| Q2 2024 | 7.87% | 4.04% | 4.22% | 7.96% | 3.29% |
| Q3 2024 | 7.82% | 4.29% | 4.03% | 7.86% | 3.30% |
| Q4 2024 | 7.98% | 4.01% | 4.32% | 8.08% | 2.48% |
| Q1 2025 | 7.53% | 3.71% | 4.01% | 7.76% | 3.31% |
| Q2 2025 | 7.71% | 4.24% | 4.27% | 7.99% | 2.49% |
| Q3 2025 | 7.58% | 4.14% | 4.08% | 7.85% | 2.76% |
| Q4 2025 | 7.80% | 4.02% | 4.39% | 8.00% | 4.25% |
| Q1 2026 | 7.82% | 3.82% | 4.55% | 8.08% | 2.84% |
| Q2 2026 | 7.25% | 4.08% | 3.88% | 7.63% | 2.85% |
Gateway Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, freeSource: Call Report Schedules RI and RC-K, 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 8730) · FFIEC NIC profile (RSSD 733540)