Gateway Commercial Bank: 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.
Loan-to-deposit ratio climbed 5.37 percentage points in Q2 2026, from 74.24% to 79.61%. It was the largest change from Q1 2026 among the key lines here. Within Arizona, Gateway Commercial Bank is 9th of 12 on loan-to-deposit ratio, 79.61% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio; Gateway Commercial Bank reported 79.61% for Q2 2026, nearly level with it.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $151.8M |
| Net loans and leases | $149.8M |
| Loans held for sale | $0 |
| Loans to total assets | 65.61% |
| Loan-to-deposit ratio | 79.61% |
| Net loans to equity capital | 5.82% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 47.05% |
| Multifamily (5+ residential) | 2.30% |
| Commercial and industrial | 24.15% |
| Consumer | 0.17% |
| 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) | 143.49% |
| Construction concentration (Tier 1 capital + allowance) | 72.90% |
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 | 7.05% |
| Interest income on loans | $2.7M |
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 | $106.0M | $174.4M | 51.09% | 25.14% | 0.19% |
| Q4 2023 | $110.9M | $158.6M | 47.29% | 27.92% | 0.17% |
| Q1 2024 | $117.3M | $161.6M | 51.57% | 28.11% | 0.23% |
| Q2 2024 | $117.0M | $160.9M | 47.16% | 29.24% | 0.13% |
| Q3 2024 | $129.8M | $163.5M | 47.13% | 27.33% | 2.01% |
| Q4 2024 | $132.1M | $169.2M | 45.44% | 27.28% | 1.99% |
| Q1 2025 | $136.9M | $183.2M | 46.60% | 24.64% | 1.89% |
| Q2 2025 | $142.0M | $179.7M | 46.22% | 26.36% | 0.12% |
| Q3 2025 | $148.2M | $190.7M | 45.79% | 25.33% | 0.18% |
| Q4 2025 | $149.3M | $192.4M | 45.09% | 24.54% | 0.16% |
| Q1 2026 | $152.1M | $204.9M | 47.22% | 24.15% | 0.17% |
| Q2 2026 | $151.8M | $190.7M | 47.05% | 24.15% | 0.17% |
Gateway Commercial Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Commercial Bank, 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58678) · FFIEC NIC profile (RSSD 3667132)