BlastPoint's Banking Scorecard
Gateway Bank
Micro
Specialty: Commercial
AR
FDIC cert 8730
Designations: ✓ Community bank
Rison, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Gateway Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.85% above tier
- - Loan-to-Deposit Ratio 26.02% above tier
- - Non-Interest-Bearing Deposit Share 16.45% below tier
- - Nonperforming Asset Ratio 3.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.2M
-1.4% YoY
+2.6% QoQ
|
-$44.3M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$155.8M
-5.3% YoY
+2.4% QoQ
|
+$16.6M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$155.0M
+3.1% YoY
+2.8% QoQ
|
-$28.7M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.22%
-4.9% YoY
-2.0% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.25%
+0.9% YoY
+1.0% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
69.52%
+8.5% YoY
+0.3% QoQ
|
+1.80% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
3.49%
+38.8% YoY
-21.4% QoQ
|
+2.85% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
100.55%
-8.1% YoY
-0.4% QoQ
|
+26.02% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.94%
-24.5% YoY
-10.4% QoQ
|
-16.45% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
4.12%
+75.0% YoY
-2.6% QoQ
|
+3.66% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
+31.9% YoY
+22.3% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.49%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.55%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.94%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.12%
(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
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
62
62th pctile
Total Loans
Current: $155.8M · Tier avg: $139.2M
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Deposits
Current: $155.0M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $173.2M · Tier avg: $217.5M
41
41th pctile
Efficiency Ratio
Current: 69.52% · Tier avg: 67.73%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.55% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.94% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 3.49% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.12% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.12% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.49% · Tier avg: 0.64%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.94% · Tier avg: 22.39%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.55% · Tier avg: 74.53%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
41
41th pctile
Efficiency Ratio
Current: 69.52% · Tier avg: 67.73%
44
44th pctile
Total Assets
Current: $173.2M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $155.0M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
62
62th pctile
Total Loans
Current: $155.8M · Tier avg: $139.2M
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%