Gateway Bank, F.S.B.: how it compares with its peers
Against 31 CA banks with half to twice its assets, Gateway Bank, F.S.B.'s strongest measure in Q2 2026 is assets per employee ($9.0M vs. a $7.6M peer median). Its weakest relative measure is net interest margin (2.74% vs. 3.91%).
| Measure | Gateway Bank, F.S.B. | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.36% | 0.65% | Bottom third Ahead of 16% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.74% | 3.91% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 110.67% | 76.56% | Bottom third Ahead of 16% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.0M | $7.6M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 119.51% | 95.11% | Context |
What it means for lending operations
Its efficiency ratio of 110.67% is above the 76.56% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mission National Bank San Francisco, CA · $276M
- Monterey County Bank Monterey, CA · $300M
- Bank Irvine Irvine, CA · $306M
- Capital Bank and Trust Company Irvine, CA · $266M
- Summit Bank Oakland, CA · $264M
- Home Bank of California San Diego, CA · $255M
Questions about Gateway Bank, F.S.B.
How big is Gateway Bank, F.S.B.?
Gateway Bank, F.S.B., established in 1990, is headquartered in Oakland, CA. It reported $288M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Gateway Bank, F.S.B.'s return on assets?
-0.36% annualized in Q2 2026, against a 0.65% median for 31 CA banks with half to twice its assets, ahead of 16% of them.
What is Gateway Bank, F.S.B.'s efficiency ratio?
110.67% in Q2 2026: it spent about 111 cents in noninterest expense for each dollar of revenue. The peer median is 76.56%, and lower is better.
Is Gateway Bank, F.S.B. growing its loans?
Net loans grew 35.6% over the year to Q2 2026, while deposits shrank 7.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.