Gateway Bank, F.S.B.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gateway Bank, F.S.B. of Oakland, CA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -0.24% | 1.34% | -1.58% | 4th bottom |
| ROAE | -1.85% | 13.32% | -15.17% | 4th bottom |
| Net Interest Margin | 3.04% | 3.93% | -0.89% | 11th bottom |
| Efficiency Ratio | 102.86% | 61.13% | +41.73% | 3rd bottom |
| PPNR / Avg Assets | -0.09% | 1.68% | -1.77% | 2nd bottom |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 3.39% | 1.88% | +1.51% | 2nd bottom |
| Net Interest Spread | 2.49% | 3.32% | -0.83% | 13th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 0.94% | -0.64% | 57th above |
| NPA / Total Assets | 0.26% | 0.70% | -0.44% | 54th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 1.07% | 1.28% | -0.21% | 34th below |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 352.00% | 1539.03% | -1187.03% | 64th above |
| Texas Ratio | 13.65% | 7.33% | +6.32% | 14th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 13.84% | 12.14% | +1.70% | 81st top |
| Equity / Assets | 12.90% | 11.37% | +1.53% | 78th top |
| TCE / Tangible Assets | 12.90% | 11.09% | +1.81% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 120.81% | 80.63% | +40.18% | 1st bottom |
| Core Deposit Ratio | 74.50% | 86.86% | -12.36% | 8th bottom |
| Wholesale Funding Ratio | 14.92% | 5.03% | +9.89% | 5th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 17.07% | 6.85% | +10.22% | 93rd top |
| Loan Growth (Y/Y) | 35.14% | 7.90% | +27.24% | 98th top |
| Deposit Growth (Y/Y) | -7.06% | 6.29% | -13.35% | 4th bottom |
See Gateway Bank, F.S.B.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gateway Bank, F.S.B., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gateway Bank, F.S.B. profile, how to read a UBPR, or how this data updates.