BlastPoint's Banking Scorecard
Gateway First Bank
Community
Specialty: Commercial
OK
FDIC cert 15118
Jenks, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Gateway First Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17% in Community
- - Credit Risk Growth: Bottom 42% in Community
- - Loan-to-Deposit Ratio 42.59% above tier
- - Nonperforming Asset Ratio 3.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+5.9% YoY
+1.6% QoQ
|
+$614.6M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.5B
+8.0% YoY
+1.1% QoQ
|
+$548.6M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.2B
+12.4% YoY
-2.0% QoQ
|
+$48.3M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.51%
-38.0% YoY
+4.2% QoQ
|
-0.65% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.28%
+6.9% YoY
+1.0% QoQ
|
-0.38% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
88.52%
+3.6% YoY
-0.7% QoQ
|
+25.89% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
4.74%
+3.8% YoY
+26.8% QoQ
|
+4.11% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
125.65%
-4.0% YoY
+3.2% QoQ
|
+42.59% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.82%
+2.6% YoY
-27.3% QoQ
|
+4.78% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
3.70%
+7.2% YoY
+24.9% QoQ
|
+3.20% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.91%
+0.2% YoY
+0.2% QoQ
|
+3.67% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
3.32%
-32.8% YoY
+28.2% QoQ
|
+2.58% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#122 of 371 · Top 33% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.32%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.51%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Concerns (4)
Efficiency Drag
risk
#26 of 152 · Bottom 17% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
88.52%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#270 of 642 · Bottom 42% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Loan-to-Deposit Ratio sits in the healthy band but at the low end of tier peers. Lending capacity is intact but underutilized - room to grow loans without funding-side strain.
Why this stands out
Current:
125.65%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Non-Performing Asset Ratio is in the bottom decile (highest) of tier peers. Problem assets are pressuring earnings and capital - watch reserve coverage and OREO trends.
Why this stands out
Current:
3.70%
(Tier avg: 0.50%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest Income / Assets
Current: 3.32% · Tier avg: 0.74%
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.82% · Tier avg: 21.05%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 10.24%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
12
12th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 88.52% · Tier avg: 62.63%
1
1th pctile
Loan-to-Deposit Ratio
Current: 125.65% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 4.74% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.70% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.70% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.74% · Tier avg: 0.63%
1
1th pctile
Loan-to-Deposit Ratio
Current: 125.65% · Tier avg: 83.06%
4
4th pctile
Efficiency Ratio
Current: 88.52% · Tier avg: 62.63%
12
12th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
29
29th pctile
Net Interest Margin
Current: 3.28% · Tier avg: 3.66%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.91% · Tier avg: 10.24%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.82% · Tier avg: 21.05%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
82
82th pctile
Total Loans
Current: $1.5B · Tier avg: $975.5M
98
98th pctile
Non-Interest Income / Assets
Current: 3.32% · Tier avg: 0.74%