Gateway Bank, F.S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 308.82 percentage points in Q2 2026, from 43.18% to 352.00%. It was the largest change from Q1 2026 among the key lines here. Gateway Bank, F.S.B. ranks 102nd of 114 California banks on return on assets, in the lower half at -0.24% (Q2 2026). Gateway Bank, F.S.B.'s return on assets of -0.24% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.49 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.84% |
| Equity capital to assets | 12.90% |
| Tangible equity to tangible assets | 12.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.30% |
| Non-performing assets ratio | 0.26% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 13.65% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 352.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.24% |
| Return on equity | -1.85% |
| Net interest margin | 3.04% |
| Efficiency ratio | 102.86% |
| Yield on earning assets | 5.99% |
| Cost of funds | 3.39% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 120.81% |
| Core deposits to total deposits | 74.50% |
| Brokered deposits to total deposits | 5.87% |
| Deposits to assets | 70.81% |
| Securities to assets | 8.30% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.24% | -0.13% | 2.25% | 1.61% | 0.00% |
| Q4 2023 | 17.11% | -1.23% | 2.06% | 1.47% | 0.00% |
| Q1 2024 | 14.90% | -1.09% | 1.90% | 0.32% | 0.00% |
| Q2 2024 | 13.82% | -1.73% | 1.80% | 0.34% | 0.00% |
| Q3 2024 | 12.54% | -1.59% | 1.66% | 0.51% | 0.00% |
| Q4 2024 | 11.05% | -2.46% | 1.76% | 1.21% | 0.00% |
| Q1 2025 | 10.59% | -1.47% | 1.95% | 1.29% | 0.00% |
| Q2 2025 | 10.58% | -1.30% | 1.92% | 1.74% | 0.00% |
| Q3 2025 | 10.65% | -1.43% | 1.89% | 2.32% | 0.00% |
| Q4 2025 | 10.18% | -2.02% | 2.26% | 2.79% | 0.00% |
| Q1 2026 | 14.59% | -0.49% | 2.24% | 2.53% | 0.00% |
| Q2 2026 | 13.84% | -0.24% | 3.04% | 0.30% | 0.00% |
Gateway Bank, F.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Bank, F.S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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.
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