Gateway First 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.
CRE concentration (Tier 1 capital + allowance) dropped 7.98 percentage points in Q2 2026, from 222.58% to 214.60%. It was the largest change from Q1 2026 among the key lines here. Among 169 Oklahoma banks, Gateway First Bank sits 2nd from the top on loan-to-deposit ratio, 124.32% as of Q2 2026. Gateway First Bank reported 124.32% on loan-to-deposit ratio for Q2 2026, 36.12 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.60B |
| Net loans and leases | $1.59B |
| Loans held for sale | $221.6M |
| Loans to total assets | 77.62% |
| Loan-to-deposit ratio | 124.32% |
| Net loans to equity capital | 5.63% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 22.32% |
| Multifamily (5+ residential) | 4.12% |
| Commercial and industrial | 7.89% |
| Consumer | 0.45% |
| Credit cards | 0.00% |
| Farm | 1.64% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 214.60% |
| Construction concentration (Tier 1 capital + allowance) | 83.62% |
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 | 5.71% |
| Interest income on loans | $22.4M |
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 | $1.52B | $1.20B | 15.33% | 12.33% | 0.13% |
| Q4 2023 | $1.52B | $1.07B | 15.48% | 13.45% | 0.12% |
| Q1 2024 | $1.53B | $1.18B | 16.13% | 12.94% | 0.12% |
| Q2 2024 | $1.43B | $1.20B | 16.78% | 12.56% | 0.13% |
| Q3 2024 | $1.40B | $1.19B | 17.88% | 13.06% | 0.15% |
| Q4 2024 | $1.43B | $1.08B | 20.13% | 11.62% | 0.18% |
| Q1 2025 | $1.44B | $1.20B | 20.38% | 10.85% | 0.26% |
| Q2 2025 | $1.51B | $1.20B | 22.15% | 8.76% | 0.34% |
| Q3 2025 | $1.52B | $1.24B | 22.35% | 8.40% | 0.47% |
| Q4 2025 | $1.54B | $1.21B | 22.70% | 8.69% | 0.50% |
| Q1 2026 | $1.55B | $1.24B | 22.97% | 7.98% | 0.47% |
| Q2 2026 | $1.60B | $1.29B | 22.32% | 7.89% | 0.45% |
Gateway First Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Gateway First 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 First Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15118) · FFIEC NIC profile (RSSD 3851427)