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Gateway Bank, F.S.B.
Oakland, CA · FDIC Certificate #33103 · Chartered 06/0
Total assets
$288.22M
Total deposits
$204.09M
Total equity
$37.18M
Net loans
$243.92M
Branches (offices)
2
Net income (YTD)
-$507.00K
Rank: #2,531 of 4,213 U.S. banks by assets · #94 of 115 in California. Assets changed 17.1% and deposits -7.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.36% |
| Return on equity | -3.15% |
| Net interest margin (YTD) | 2.74% |
| Equity to assets | 12.90% |
| Tier 1 leverage ratio | 13.84% |
| Uninsured deposits (share of deposits) | 15.2% |
| Noncurrent loans (share of loans) | 2.15% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 119.5% |
| Real estate loans (share of loans) | 100.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $245.02M | 100.5% | |
| Commercial & industrial | $1.53M | 0.6% | |
| Consumer / individual | $3.00K | 0.0% | |
| Construction & development | $2.08M | 0.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $160.91M | $145.87M | $264.00K | $13.53M |
| Jun 2023 | $185.64M | $170.68M | -$2.21M | $13.47M |
| Jun 2024 | $221.66M | $193.52M | -$1.56M | $26.48M |
| Jun 2025 | $246.19M | $219.60M | -$1.78M | $23.47M |
| Jun 2026 | $288.22M | $204.09M | -$507.00K | $37.18M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $204.10M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $204.10M.
Similar-sized banks
Community Partners Savings Bank ($288.39M) · The Home Trust & Savings Bank ($287.72M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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