Gateway Commercial Bank: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.37 percentage points higher than in Q1 2026, at 79.61%. Among 12 Arizona banks, Gateway Commercial Bank sits 2nd from the top on return on assets, 1.36% as of Q2 2026. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Gateway Commercial Bank sits 0.10 points higher, at 1.36% (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 | 12.00% |
| Equity capital to assets | 11.13% |
| Tangible equity to tangible assets | 11.13% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.24% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.80% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 108.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.36% |
| Return on equity | 12.95% |
| Net interest margin | 3.63% |
| Efficiency ratio | 52.31% |
| Yield on earning assets | 5.46% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.61% |
| Core deposits to total deposits | 89.58% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.41% |
| Securities to assets | 23.77% |
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 | 13.02% | 0.82% | 2.84% | 0.00% | 0.00% |
| Q4 2023 | 13.00% | 1.03% | 2.91% | 0.00% | 0.00% |
| Q1 2024 | 13.24% | 0.73% | 2.76% | 0.00% | 0.00% |
| Q2 2024 | 13.27% | 0.70% | 2.95% | 0.00% | 0.00% |
| Q3 2024 | 13.29% | 0.80% | 3.15% | 0.00% | 0.00% |
| Q4 2024 | 12.55% | 1.16% | 3.37% | 0.00% | 0.00% |
| Q1 2025 | 13.00% | 1.15% | 3.53% | 0.00% | 0.00% |
| Q2 2025 | 13.10% | 1.38% | 3.69% | 0.00% | 0.00% |
| Q3 2025 | 13.08% | 1.46% | 3.80% | 0.00% | 0.00% |
| Q4 2025 | 12.14% | 0.73% | 3.61% | 1.29% | 0.32% |
| Q1 2026 | 11.53% | 1.43% | 3.55% | 1.25% | -0.01% |
| Q2 2026 | 12.00% | 1.36% | 3.63% | 1.24% | 0.00% |
Gateway Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway Commercial Bank, 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 Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58678) · FFIEC NIC profile (RSSD 3667132)