Gateway Bank, F.S.B.
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Data as of · sourced from FFIEC call reports. How we update
Gateway Bank, F.S.B. is an FDIC-insured savings institution headquartered in Oakland, CA, established in 1990 (FDIC certificate 33103), and it is supervised by the OCC. At Q2 2026 it reported total assets of $288.2M, up 17.1% from Q2 2025, the 93rd largest of 113 banks headquartered in California. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.84% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings institution
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 33103
- Headquarters
- Oakland, CA
- Established
- 1990
- Total assets, Q2 2026
- $288.2M
- Assets vs Q2 2025
- +17.1%
- Tier 1 leverage ratio, Q2 2026
- 13.84%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 321071161
- Asset rank in state
- 93rd of 113 in California
Gateway Bank, F.S.B. spends more to run itself than most banks of its size. It reported $288 million in assets at June 30, 2026, up 17.1% from a year earlier. It loses about $0.24 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 103 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
It lost $172,000 in the quarter. Over the same year, loans grew 35.1% and deposits shrank 7.1%. Funding is the softer spot: it pays an average of 3.39% on its deposits and borrowings, about double the median of 1.80% for banks its size.
As of June 30, 2026, Gateway Bank, F.S.B. reported a return on assets of -0.24%, a nonperforming-loan ratio of 2.15% and a Texas ratio of 13.32%. The figures come from its call report filed with the FFIEC.
Of the 113 banks headquartered in California, Gateway Bank, F.S.B. is the 93rd largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $288.2M, loans rose 5.9% and deposits rose 0.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 66.4% of total loans, ahead of non-owner-occupied commercial real estate loans at 20.6%. The FDIC Summary of Deposits lists 2 offices for it, in Oakland, CA and Walnut Creek, CA; its Oakland office books 84% of its branch deposits. On its Q2 2026 call report, Gateway Bank, F.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 388 9th St, Oakland, CA 94607
- County
- Alameda
- Metro Area
- San Francisco-Oakland-Fremont, CA
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- —
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 8, 1990
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $204.1M
- Allowance for credit losses
- $2.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $287.7M
- Average total loans
- $237.9M
- Average interest-bearing deposits
- $194.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 8, 1990
- FDIC Cert
- 33103
- Fed RSSD
- 1493319
- Website
- www.gatewayfsb.com →
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, F.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Gateway Bank, F.S.B.'s total assets moved between a low of $178.8M (Q3 2023) and a high of $288.2M (Q2 2026) from Q3 2023 to Q2 2026, and it posted no profit in any of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$288.2M total assets against $246.2M; $251.0M total liabilities against $222.7M.
$243.9M net loans and leases against $179.9M; $204.1M total deposits against $219.6M.
$23.9M securities against $33.2M; $9.1M cash and balances due against $24.1M.
$4.2M total interest income against $3.2M; $2.1M total interest expense against $2.0M.
$2.1M net interest income against $1.2M.
$26K total noninterest income against $2K; $2.2M total noninterest expense against $2.1M.
$110K provision for credit losses against -$63K.
-$172K net income against -$827K.
-0.24% return on assets against -1.30%; 3.04% net interest margin against 1.92%.
13.84% tier 1 leverage ratio against 10.58%.
Inside the full Gateway Bank, F.S.B. 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Gateway Bank, F.S.B. rankings
Its closest position to the top of a national ranking is 394 of 3,640, for Texas Ratio; its furthest is 3,559 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.46% (Q4 2024) to -0.24% (Q2 2026) and its net interest margin ran from 1.66% (Q3 2024) to 3.04% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.84% | -0.24% | 2.15% | 13.32% | 3.04% |
| Q1 2026 | 14.59% | -0.49% | 3.11% | 18.14% | 2.24% |
| Q4 2025 | 10.18% | -2.02% | 3.42% | 29.87% | 2.26% |
| Q3 2025 | 10.65% | -1.43% | 2.25% | 15.83% | 1.89% |
| Q2 2025 | 10.58% | -1.30% | 2.67% | 18.75% | 1.92% |
| Q1 2025 | 10.59% | -1.47% | 1.22% | 8.62% | 1.95% |
| Q4 2024 | 11.05% | -2.46% | 1.14% | 7.98% | 1.76% |
| Q3 2024 | 12.54% | -1.59% | 0.42% | 2.49% | 1.66% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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, F.S.B. (main office) | Oakland , CA | 94607 | $170.6M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $33.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 9, 1990 | M&A | Acquired Gateway Federal Savings Bank failure_government_assistance_provided for the acquired bank | SEC |
| June 9, 1990 | Structure Change | Acquired Gateway Federal Savings Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| June 8, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 3 against the institution (OCC); 1 against individuals associated with it
- November 12, 2020, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Gateway Bank, F.S.B.
- October 26, 2011, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Gateway Bank, F.S.B.
- April 24, 2009, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Gateway Bank, F.S.B.
- Period: Most recent institution action November 12, 2020. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in CA, rank 135 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Mortgage lending (HMDA), SBA 7(a) lending, 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, F.S.B.
What are Gateway Bank, F.S.B.'s total assets?
As of the Q2 2026 filing, Gateway Bank, F.S.B. reported total assets of $288.2 million in its FFIEC call report.
Where is Gateway Bank, F.S.B. headquartered?
It is headquartered in Oakland, CA, United States.
When was Gateway Bank, F.S.B. founded?
It was established in 1990, per the FDIC institution directory.
Is Gateway Bank, F.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings institution (FDIC Certificate #33103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gateway Bank, F.S.B.?
Gateway Bank, F.S.B.'s primary federal regulator is the OCC.
How many branches does Gateway Bank, F.S.B. operate?
It operates 2 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, F.S.B.'s Texas Ratio?
Its Texas Ratio is 13.32% 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.
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