BlastPoint's Banking Scorecard
Gateway Bank, F.S.B.
Micro
Specialty: Mortgage
CA
FDIC cert 33103
Designations: ✓ Community bank
Oakland, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Gateway Bank, F.S.B. has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.19% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.63% below tier
- - Net Interest Margin 1.81% below tier
- - Efficiency Ratio 111.33% above tier
- - Delinquency Rate 2.82% above tier
- - Non-Interest-Bearing Deposit Share 17.73% below tier
- - Nonperforming Asset Ratio 2.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.5M
+1.7% YoY
+11.8% QoQ
|
+$43.0M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$212.6M
+13.5% YoY
+20.2% QoQ
|
+$73.4M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$203.0M
-11.2% YoY
-2.2% QoQ
|
+$19.4M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
-1.55%
+13.7% YoY
-8.6% QoQ
|
-2.63% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.04%
+10.2% YoY
+2.7% QoQ
|
-1.81% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
179.06%
+1.2% YoY
+3.7% QoQ
|
+111.33% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
3.46%
+199.6% YoY
+51.6% QoQ
|
+2.82% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
104.72%
+27.8% YoY
+22.9% QoQ
|
+30.19% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.66%
+70.1% YoY
+5.7% QoQ
|
-17.73% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
2.82%
+234.3% YoY
+63.0% QoQ
|
+2.37% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
-0.02%
-125.7% YoY
-170.6% QoQ
|
-0.58% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
104.72%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (6)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.55%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.04%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
179.06%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.46%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.66%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.82%
(Tier avg: 0.45%, 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
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.72% · Tier avg: 74.53%
77
77th pctile
Total Loans
Current: $212.6M · Tier avg: $139.2M
64
64th pctile
Total Assets
Current: $260.5M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $203.0M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.66% · Tier avg: 22.39%
2
2th pctile
Net Interest Margin
Current: 2.04% · Tier avg: 3.85%
2
2th pctile
Return on Assets
Current: -1.55% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 179.06% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.46% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.82% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.82% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.46% · Tier avg: 0.64%
0
0th pctile
Efficiency Ratio
Current: 179.06% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.55% · Tier avg: 1.08%
2
2th pctile
Net Interest Margin
Current: 2.04% · Tier avg: 3.85%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.66% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Total Deposits
Current: $203.0M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $260.5M · Tier avg: $217.5M
77
77th pctile
Total Loans
Current: $212.6M · Tier avg: $139.2M
95
95th pctile
Loan-to-Deposit Ratio
Current: 104.72% · Tier avg: 74.53%