Gateway First Bank
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Data as of · sourced from FFIEC call reports. How we update
Gateway First Bank is an FDIC-insured commercial bank headquartered in Jenks, OK, established in 1935 (FDIC certificate 15118), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $2.06B, up 4.3% from Q2 2025, the 11th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 15.45% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15118
- Headquarters
- Jenks, OK
- Established
- 1935
- Total assets, Q2 2026
- $2.06B
- Assets vs Q2 2025
- +4.3%
- CET1 ratio, Q2 2026
- 15.45%
- Domestic offices
- 16 FDIC institution directory, current count
- Routing number
- 103112552
- Latest call report
- Q2 2026, FFIEC 041 · Gateway First Bank call report
- Holding company
- GATEWAY FIRST BANCORP, INC.
- Asset rank in state
- 11th of 169 in Oklahoma
Problem loans are rising at Gateway First Bank. Its balance sheet stood at $2.1 billion at June 30, 2026, up 4.3% from a year earlier; it is based in Jenks, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.70% of loans from 1.69% a year earlier. It spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 58 cents). On the other hand, it funds 14.14% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $5.7 million, 140% above the same quarter a year earlier. The non-owner-occupied commercial real estate book ($314 million) is worsening: 7.07% of it is past due or on nonaccrual, up from 0.14% a year earlier. Credit is the area to watch: it carries problem assets equal to 16.8% of the capital and reserves that would absorb them, 4.7 times the median of 3.6% for banks its size.
As of June 30, 2026, Gateway First Bank reported a CET1 capital ratio of 15.45%, a return on assets of 1.16%, a nonperforming-loan ratio of 4.36% and a Texas ratio of 16.76%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Gateway First Bank is the 11th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $2.06B, loans rose 3.6% and deposits rose 4.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 45.9% of total loans, followed by non-owner-occupied commercial real estate loans at 19.6%. Its 11 offices in the FDIC Summary of Deposits are in 8 cities in OK; its Jenks 3 offices book 63% of its branch deposits. Judged on its Q2 2026 call report, Gateway First Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 244 S Gateway Pl, Jenks, OK 74037
- County
- Tulsa
- Metro Area
- Tulsa, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 2, 1935
- Former names
- Farmers Exchange Bank (2016-2019)
- Domestic offices
- 16 FDIC institution directory, current count
- Employees (FTE)
- 612
- Domestic deposits
- $1.29B
- Allowance for credit losses
- $11.8M
- Net charge-offs (YTD)
- $137K
- Average total assets
- $1.97B
- Average total loans
- $1.57B
- Average interest-bearing deposits
- $1.11B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- May 3, 1935
- FDIC Cert
- 15118
- Fed RSSD
- 3851427
- Website
- www.gatewayfirst.com →
- Parent Holding Company
- GATEWAY FIRST BANCORP, INC. (RSSD 5610860)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Gateway First Bank's total assets ranged from $1.89B (Q4 2024) to $2.15B (Q1 2024), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.06B total assets against $1.98B; $1.78B total liabilities against $1.71B.
$1.59B net loans and leases against $1.50B; $1.29B total deposits against $1.20B.
$140.9M securities against $138.8M; $139.9M cash and balances due against $126.0M.
$25.0M total interest income against $25.8M; $9.9M total interest expense against $11.4M.
$15.0M net interest income against $14.4M.
$19.4M total noninterest income against $17.2M; $26.8M total noninterest expense against $28.6M.
$151K provision for credit losses against $95K.
$5.7M net income against $2.4M.
1.16% return on assets against 0.50%; 3.31% net interest margin against 3.36%.
15.45% CET1 capital ratio against 13.90%; 14.14% tier 1 leverage ratio against 12.91%.
Inside the full Gateway First Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Gateway First Bank rankings
Its closest position to the top of a national ranking is 248 of 3,640, for Texas Ratio; its furthest is 3,158 of 3,606, for efficiency ratio.
Metric pages for Gateway First Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q3 2024) to 1.60% (Q1 2026) and its net interest margin ran from 3.15% (Q3 2025) to 3.36% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.45% | 1.16% | 4.36% | 16.76% | 3.31% |
| Q1 2026 | 15.09% | 1.60% | 3.00% | 8.60% | 3.27% |
| Q4 2025 | 13.91% | 0.58% | 4.70% | 8.04% | 3.34% |
| Q3 2025 | 13.88% | 0.61% | 3.71% | 7.26% | 3.15% |
| Q2 2025 | 13.90% | 0.50% | 3.85% | 10.15% | 3.36% |
| Q1 2025 | 13.90% | 0.39% | 4.45% | 12.77% | 3.25% |
| Q4 2024 | 13.89% | 0.32% | 4.51% | 13.89% | 3.25% |
| Q3 2024 | 13.21% | 0.14% | 3.68% | 10.69% | 3.36% |
Swipe the table sideways to see every column.
Branch Network
View all 11 branches → 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 |
|---|---|---|---|
| Jenks Branch | Jenks , OK | 74037 | $812.1M |
| Gateway First Bank Branch | Oklahoma City , OK | 73118 | $155.6M |
| Cherokee Branch | Cherokee , OK | 73728 | $137.6M |
| Bartlesville Branch | Bartlesville , OK | 74003 | $69.5M |
| Yale Avenue Branch | Tulsa , OK | 74136 | $36.0M |
| Tonkawa Branch | Tonkawa , OK | 74653 | $30.8M |
| Nash Branch | Nash , OK | 73761 | $23.4M |
| Helena Branch | Helena , OK | 73741 | $22.4M |
| Jenks Branch | Jenks , OK | 74037 | $0 |
| Drive-In Branch | Tonkawa , OK | 74653 | $0 |
| Gateway First Bank (main office) | Jenks , OK | 74037 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| May 4, 2019 | Structure Change | Acquired another institution Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 26, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.9% of deposits in OK, rank 19 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 12,752 applications, 7,952 loans originated, $2.09B originated, across 42 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $632K approved, $316K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 First Bank
What are Gateway First Bank's total assets?
As of the Q2 2026 filing, Gateway First Bank reported total assets of $2.06 billion in its FFIEC call report.
Where is Gateway First Bank headquartered?
It is headquartered in Jenks, OK, United States.
When was Gateway First Bank founded?
It was established in 1935, per the FDIC institution directory.
Is Gateway First Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15118). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Gateway First Bank?
Gateway First Bank's primary federal regulator is the FDIC.
What is Gateway First Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.45% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Gateway First Bank operate?
It operates 16 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Gateway First Bank's Texas Ratio?
Its Texas Ratio is 16.76% 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.
What was Gateway First Bank previously called?
The charter now named Gateway First Bank has also operated as Farmers Exchange Bank (2016-2019), per FDIC structure-change records.
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