Gateway First Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Common equity Tier 1 capital rose 5.3% from Q1 2026 to Q2 2026, ending at $278.1M against $264.1M. It was the largest change among the key lines on this page. Within Oklahoma, Gateway First Bank is 30th of 71 on CET1 ratio, 15.45% as of Q2 2026. The median for banks in the $1B-10B asset tier is 13.49% on CET1 ratio. Gateway First Bank sits 1.95 points higher, at 15.45% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 15.45% |
| Tier 1 risk-based capital ratio | 15.45% |
| Total risk-based capital ratio | 16.16% |
| Tier 1 leverage ratio | 14.14% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $278.1M |
| Tier 1 capital | $278.1M |
| Total risk-based capital | $290.9M |
| Total equity capital | $282.1M |
| Risk-weighted assets | $1.80B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 13.68% |
| Tangible equity to tangible assets | 13.46% |
| Equity capital to average assets | 14.31% |
| Internal capital growth rate | 8.27% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $51.0M |
| Retained earnings | $233.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$1.2M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.62% | 12.62% | 13.30% | 11.39% | $1.78B |
| Q4 2023 | 12.53% | 12.53% | 13.51% | 11.47% | $1.81B |
| Q1 2024 | 12.69% | 12.69% | 13.60% | 11.91% | $1.83B |
| Q2 2024 | 13.30% | 13.30% | 14.30% | 11.48% | $1.75B |
| Q3 2024 | 13.21% | 13.21% | 14.20% | 12.57% | $1.74B |
| Q4 2024 | 13.89% | 13.89% | 14.87% | 13.30% | $1.75B |
| Q1 2025 | 13.90% | 13.90% | 14.57% | 13.31% | $1.75B |
| Q2 2025 | 13.90% | 13.90% | 14.59% | 12.91% | $1.74B |
| Q3 2025 | 13.88% | 13.88% | 14.56% | 12.57% | $1.75B |
| Q4 2025 | 13.91% | 13.91% | 14.62% | 12.55% | $1.75B |
| Q1 2026 | 15.09% | 15.09% | 15.82% | 13.67% | $1.75B |
| Q2 2026 | 15.45% | 15.45% | 16.16% | 14.14% | $1.80B |
Gateway First Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway First Bank, freeSource: Call Report Schedule RC-R, 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15118) · FFIEC NIC profile (RSSD 3851427)