| Metric | Gateway Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.8% | +4.4% | -2.6 pts |
| Deposit growth (YoY) | +3.5% | +4.0% | -0.5 pts |
| Loan growth (YoY) | +2.4% | +5.6% | -3.2 pts |
| ROA | 0.78% | 1.24% | -0.5 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 24th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $181.0M | $162.6M | $158.8M | $17.5M | $687K | 0.78% | 4.29% | 4.73% |
| Q1 2026 | $176.7M | $157.9M | $153.7M | $17.9M | $557K | 1.27% | 4.58% | 3.97% |
| Q4 2025 | $173.2M | $155.0M | $155.8M | $17.3M | $2.1M | 1.22% | 4.25% | 4.12% |
| Q3 2025 | $168.8M | $150.7M | $152.1M | $17.2M | $1.6M | 1.24% | 4.21% | 4.23% |
| Q2 2025 | $177.8M | $157.2M | $155.1M | $16.7M | $1.1M | 1.29% | 4.21% | 2.61% |
| Q1 2025 | $178.7M | $156.8M | $157.1M | $16.9M | $509K | 1.15% | 4.07% | 2.61% |
| Q4 2024 | $175.6M | $150.4M | $164.5M | $16.4M | $2.2M | 1.28% | 4.21% | 2.35% |
| Q3 2024 | $174.5M | $147.4M | $165.7M | $16.1M | $1.6M | 1.27% | 4.14% | 2.31% |
Loan mix (Q2 2026): real estate $136.6M · commercial $21.3M · consumer $2.3M · securities $354K
| Ratio | Gateway Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.24% | 24th | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.6% | 62.9% | 82th |
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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