Gateway Bank, F.S.B.: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Equity capital to average assets fell 0.74 percentage points from Q1 2026 to Q2 2026, ending at 12.92% against 13.66%. It was the largest change among the key lines on this page.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.84% |
This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $39.8M |
| Tier 1 capital | $39.8M |
| Total risk-based capital | — |
| Total equity capital | $37.2M |
| Risk-weighted assets | — |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 12.90% |
| Tangible equity to tangible assets | 12.90% |
| Equity capital to average assets | 12.92% |
| Internal capital growth rate | -1.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $53.8M |
| Common stock surplus | $24.8M |
| Retained earnings | -$38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$2.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | Tier 1 leverage | Equity / assets | Tangible equity / tangible assets |
|---|---|---|---|
| Q3 2023 | 10.24% | 7.49% | 7.49% |
| Q4 2023 | 17.11% | 14.15% | 14.15% |
| Q1 2024 | 14.90% | 12.32% | 12.32% |
| Q2 2024 | 13.82% | 11.95% | 11.95% |
| Q3 2024 | 12.54% | 10.61% | 10.61% |
| Q4 2024 | 11.05% | 9.63% | 9.63% |
| Q1 2025 | 10.59% | 9.31% | 9.31% |
| Q2 2025 | 10.58% | 9.53% | 9.53% |
| Q3 2025 | 10.65% | 9.86% | 9.86% |
| Q4 2025 | 10.18% | 8.48% | 8.48% |
| Q1 2026 | 14.59% | 13.03% | 13.03% |
| Q2 2026 | 13.84% | 12.90% | 12.90% |
Gateway Bank, F.S.B. regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, F.S.B., freeSource: Call Report Schedule RC-R, 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, F.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33103) · FFIEC NIC profile (RSSD 1493319)