Gateway Commercial Bank
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Data as of · sourced from FFIEC call reports. How we update
Gateway Commercial Bank is an FDIC-insured commercial bank headquartered in Mesa, AZ, established in 2007 (FDIC certificate 58678), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $231.4M, up 8.9% from Q2 2025, the 6th largest of 12 banks headquartered in Arizona. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.00% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58678
- Headquarters
- Mesa, AZ
- Established
- 2007
- Total assets, Q2 2026
- $231.4M
- Assets vs Q2 2025
- +8.9%
- Tier 1 leverage ratio, Q2 2026
- 12.00%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 122106316
- Latest call report
- Q2 2026, FFIEC 051 · Gateway Commercial Bank call report
- Asset rank in state
- 6th of 12 in Arizona
Problem loans are rising at Gateway Commercial Bank. It reported $231 million in assets at June 30, 2026, up 8.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.24% of loans from 0.00% a year earlier. It spends about 52 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents).
Net income for the quarter rose 13% from a year earlier, to $820,000. Its $37 million commercial and industrial book is improving, with 2.58% past due or on nonaccrual, down from 3.41% a year earlier.
As of June 30, 2026, Gateway Commercial Bank reported a return on assets of 1.36%, a nonperforming-loan ratio of 1.24% and a Texas ratio of 6.80%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Arizona, Gateway Commercial Bank is the 6th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 6.2% to $231.4M, loans fell 0.2% and deposits fell 6.9%. Owner-occupied commercial real estate loans made up 35.0% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 24.2%. Its one office in the FDIC Summary of Deposits is in Mesa, AZ. On its Q2 2026 call report, Gateway Commercial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 6860 E Warner Rd, Mesa, AZ 85212
- County
- Maricopa
- Metro Area
- Phoenix-Mesa-Chandler, AZ
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 3, 2007
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 18
- Domestic deposits
- $190.7M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $242.0M
- Average total loans
- $152.5M
- Average interest-bearing deposits
- $137.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 3, 2007
- FDIC Cert
- 58678
- Fed RSSD
- 3667132
- Website
- www.gcbaz.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Gateway Commercial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Gateway Commercial Bank's total assets moved between a low of $196.4M (Q4 2023) and a high of $246.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$231.4M total assets against $212.5M; $205.7M total liabilities against $189.0M.
$149.8M net loans and leases against $140.5M; $190.7M total deposits against $179.7M.
$55.0M securities against $53.8M; $17.5M cash and balances due against $9.1M.
$3.2M total interest income against $2.8M; $1.1M total interest expense against $952K.
$2.1M net interest income against $1.9M.
$75K total noninterest income against $67K; $1.1M total noninterest expense against $937K.
$50K provision for credit losses against $35K.
$820K net income against $728K.
1.36% return on assets against 1.38%; 3.63% net interest margin against 3.69%.
12.00% tier 1 leverage ratio against 13.10%.
Inside the full Gateway Commercial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeGateway Commercial Bank rankings
Its closest position to the top of a national ranking is 981 of 3,640, for Texas Ratio; its furthest is 2,794 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.73% (Q4 2025) to 1.46% (Q3 2025) and its net interest margin ran from 3.15% (Q3 2024) to 3.80% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.00% | 1.36% | 1.24% | 6.80% | 3.63% |
| Q1 2026 | 11.53% | 1.43% | 1.25% | 7.05% | 3.55% |
| Q4 2025 | 12.14% | 0.73% | 1.29% | 7.35% | 3.61% |
| Q3 2025 | 13.08% | 1.46% | 0.00% | 0.00% | 3.80% |
| Q2 2025 | 13.10% | 1.38% | 0.00% | 0.00% | 3.69% |
| Q1 2025 | 13.00% | 1.15% | 0.00% | 0.00% | 3.53% |
| Q4 2024 | 12.55% | 1.16% | 0.00% | 0.00% | 3.37% |
| Q3 2024 | 13.29% | 0.80% | 0.00% | 0.00% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Gateway Commercial Bank (main office) | Mesa , AZ | 85212 | $190.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in AZ, rank 33 of 57 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Gateway Commercial Bank
What are Gateway Commercial Bank's total assets?
As of the Q2 2026 filing, Gateway Commercial Bank reported total assets of $231.4 million in its FFIEC call report.
Where is Gateway Commercial Bank headquartered?
It is headquartered in Mesa, AZ, United States.
When was Gateway Commercial Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Gateway Commercial Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gateway Commercial Bank?
Gateway Commercial Bank's primary federal regulator is the FDIC.
How many branches does Gateway Commercial Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gateway Commercial Bank's Texas Ratio?
Its Texas Ratio is 6.80% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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