Gateway Bank, F.S.B.: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 27.37 percentage points higher than in Q1 2026, at 179.70%. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $246.6M |
| Net loans and leases | $243.9M |
| Loans held for sale | $0 |
| Loans to total assets | 85.55% |
| Loan-to-deposit ratio | 120.81% |
| Net loans to equity capital | 6.56% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.96% |
| Multifamily (5+ residential) | 9.15% |
| Commercial and industrial | 0.62% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 179.70% |
| Construction concentration (Tier 1 capital + allowance) | 4.89% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.37% |
| Interest income on loans | $3.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $136.9M | $164.3M | 13.63% | 0.02% | 0.00% |
| Q4 2023 | $148.3M | $168.4M | 12.52% | 0.00% | 0.00% |
| Q1 2024 | $144.4M | $191.6M | 12.78% | 1.73% | 0.00% |
| Q2 2024 | $172.4M | $193.5M | 12.12% | 1.71% | 0.00% |
| Q3 2024 | $166.9M | $221.4M | 12.51% | 1.72% | 0.00% |
| Q4 2024 | $189.8M | $228.7M | 12.34% | 1.68% | 0.00% |
| Q1 2025 | $188.0M | $230.3M | 14.72% | 1.79% | 0.00% |
| Q2 2025 | $182.4M | $219.6M | 15.90% | 1.80% | 0.00% |
| Q3 2025 | $179.5M | $207.7M | 16.08% | 1.75% | 0.00% |
| Q4 2025 | $215.1M | $203.0M | 16.76% | 2.03% | 0.00% |
| Q1 2026 | $232.7M | $202.3M | 19.50% | 1.87% | 0.00% |
| Q2 2026 | $246.6M | $204.1M | 22.96% | 0.62% | 0.00% |
Gateway Bank, F.S.B. loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, F.S.B., freeSource: Call Report Schedule RC-C, 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)