BlastPoint's Banking Scorecard
Gateway Bank
Micro
Specialty: Commercial
MN
FDIC cert 57644
Designations: ✓ Community bank
Mendota Heights, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Gateway Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$301.5M
+9.7% YoY
+0.3% QoQ
|
+$84.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$225.8M
+4.3% YoY
+0.9% QoQ
|
+$86.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$263.1M
+8.9% YoY
-0.9% QoQ
|
+$79.4M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.35%
+7.0% YoY
+3.2% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.58%
+2.0% YoY
+1.7% QoQ
|
-0.27% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
59.84%
-4.8% YoY
-2.0% QoQ
|
-7.89% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.01%
-54.6% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
85.83%
-4.2% YoY
+1.8% QoQ
|
+11.30% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
21.27%
-3.7% YoY
-5.3% QoQ
|
-1.12% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.01%
-54.3% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.16%
+4.7% YoY
+3.2% QoQ
|
+5.31% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.10%
-8.2% YoY
+33.1% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
80
80th pctile
Total Loans
Current: $225.8M · Tier avg: $139.2M
74
74th pctile
Total Deposits
Current: $263.1M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $301.5M · Tier avg: $217.5M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.83% · Tier avg: 74.53%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.16% · Tier avg: 8.85%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 22.39%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 22.39%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
68
68th pctile
Efficiency Ratio
Current: 59.84% · Tier avg: 67.73%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.16% · Tier avg: 8.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.83% · Tier avg: 74.53%
72
72th pctile
Total Assets
Current: $301.5M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $263.1M · Tier avg: $183.7M
80
80th pctile
Total Loans
Current: $225.8M · Tier avg: $139.2M
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%