Gateway Bank, F.S.B.: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Loans and leases to core deposits climbed 7.30 percentage points in Q2 2026, from 143.02% to 150.32%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Gateway Bank, F.S.B. ranks 6th highest among the 114 banks headquartered in California, at 120.81% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Gateway Bank, F.S.B. sits 39.97 points higher, at 120.81% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $9.1M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $33.0M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $43.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 14.92% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 120.81% |
| Net loans and leases to deposits | 119.51% |
| Loans and leases to core deposits | 150.32% |
| Core deposits to total deposits | 74.50% |
| Brokered deposits to total deposits | 5.87% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 83.33% | 77.33% | $0 | $0 |
| Q4 2023 | 88.03% | 78.44% | $0 | $0 |
| Q1 2024 | 75.38% | 78.60% | $0 | $0 |
| Q2 2024 | 89.06% | 77.29% | $0 | $0 |
| Q3 2024 | 75.35% | 71.56% | $0 | $0 |
| Q4 2024 | 83.01% | 70.80% | $0 | $0 |
| Q1 2025 | 81.63% | 71.04% | $0 | $0 |
| Q2 2025 | 83.08% | 69.13% | $0 | $0 |
| Q3 2025 | 86.42% | 72.26% | $0 | $0 |
| Q4 2025 | 105.97% | 74.16% | $0 | $33.0M |
| Q1 2026 | 115.03% | 74.51% | $0 | $43.0M |
| Q2 2026 | 120.81% | 74.50% | $0 | $43.0M |
Gateway Bank, F.S.B. liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, F.S.B., freeSource: Call Report Schedules RC and RC-M, 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)