| Metric | Gateway Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +4.4% | +5.4 pts |
| Deposit growth (YoY) | +5.0% | +4.0% | +1.0 pts |
| Loan growth (YoY) | +0.6% | +5.6% | -5.0 pts |
| ROA | 1.36% | 1.24% | +0.1 pts |
| ROE | 12.1% | 11.9% | +0.2 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $319.5M | $269.7M | $223.4M | $46.2M | $2.1M | 1.36% | 3.99% | 0.00% |
| Q1 2026 | $313.1M | $282.5M | $227.2M | $27.0M | $278K | 0.36% | 3.53% | 0.00% |
| Q4 2025 | $301.5M | $263.1M | $225.8M | $31.9M | $4.0M | 1.35% | 3.58% | 0.01% |
| Q3 2025 | $300.5M | $265.5M | $223.9M | $30.7M | $2.9M | 1.31% | 3.52% | 0.02% |
| Q2 2025 | $291.2M | $256.9M | $222.1M | $30.1M | $1.9M | 1.30% | 3.48% | 0.01% |
| Q1 2025 | $291.9M | $258.2M | $220.6M | $29.6M | $794K | 1.12% | 3.37% | 0.00% |
| Q4 2024 | $274.9M | $241.7M | $216.5M | $29.1M | $3.4M | 1.27% | 3.51% | 0.00% |
| Q3 2024 | $266.2M | $235.6M | $208.5M | $28.0M | $2.3M | 1.13% | 3.49% | 0.00% |
Loan mix (Q2 2026): real estate $164.4M · commercial $56.0M · consumer $4.9M · securities $18.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Gateway Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.24% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 12.1% | 11.9% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.99% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 62.9% | 58th |
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 | 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 | 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 | 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 | 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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