| Metric | Gateway Bank, F.S.B. | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +17.1% | +4.4% | +12.7 pts |
| Deposit growth (YoY) | -7.1% | +4.0% | -11.0 pts |
| Loan growth (YoY) | +35.6% | +5.6% | +30.0 pts |
| ROA | -0.36% | 1.24% | -1.6 pts |
| ROE | -3.1% | 11.9% | -15.0 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $288.2M | $204.1M | $243.9M | $37.2M | $-507K | -0.36% | 2.74% | 1.84% |
| Q1 2026 | $286.5M | $202.3M | $230.2M | $37.3M | $-335K | -0.49% | 2.31% | 2.52% |
| Q4 2025 | $260.5M | $203.0M | $212.6M | $22.1M | $-3.9M | -1.55% | 2.04% | 2.82% |
| Q3 2025 | $233.0M | $207.7M | $176.9M | $23.0M | $-2.7M | -1.43% | 1.99% | 1.73% |
| Q2 2025 | $246.2M | $219.6M | $179.9M | $23.5M | $-1.8M | -1.41% | 2.00% | 1.98% |
| Q1 2025 | $257.6M | $230.3M | $185.4M | $24.0M | $-958K | -1.49% | 2.02% | 0.89% |
| Q4 2024 | $256.1M | $228.7M | $187.4M | $24.7M | $-4.1M | -1.79% | 1.85% | 0.84% |
| Q3 2024 | $249.6M | $221.4M | $165.0M | $26.5M | $-2.5M | -1.51% | 1.85% | 0.28% |
Loan mix (Q2 2026): real estate $245.0M · commercial $1.5M · consumer $3K · securities $23.9M
| Ratio | Gateway Bank, F.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.36% | 1.24% | 2th | |
Return on equity Annualized net income ÷ equity or net worth | -3.1% | 11.9% | 2th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 110.7% | 62.9% | 99th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gateway Bank, F.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gateway Bank, F.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gateway Bank, F.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gateway Bank, F.S.B. | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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