Gateway Commercial Bank: how it compares with its peers
Against 1000 U.S. banks with half to twice its assets, Gateway Commercial Bank's strongest measure in Q2 2026 is assets per employee ($12.9M vs. a $6.6M peer median). Its weakest relative measure is net interest margin (3.78% vs. 3.95%).
| Measure | Gateway Commercial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.44% | 1.26% | Middle third Ahead of 61% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.78% | 3.95% | Middle third Ahead of 41% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.98% | 62.16% | Top third Ahead of 85% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $12.9M | $6.6M | Top third Ahead of 96% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.54% | 77.40% | Context |
What it means for lending operations
Its efficiency ratio of 48.98% is better than the 62.16% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens State Bank of Ouray Ouray, CO · $231M
- St. Clair County State Bank Osceola, MO · $232M
- Andover State Bank Andover, KS · $232M
- West Central Bank Ashland, IL · $232M
- First State Bank Loomis, NE · $232M
- Security State Bank of Marine Marine On St. Croix, MN · $233M
Questions about Gateway Commercial Bank
How big is Gateway Commercial Bank?
Gateway Commercial Bank, established in 2007, is headquartered in Mesa, AZ. It reported $231M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Gateway Commercial Bank's return on assets?
1.44% annualized in Q2 2026, against a 1.26% median for 1000 U.S. banks with half to twice its assets, ahead of 61% of them.
What is Gateway Commercial Bank's efficiency ratio?
48.98% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 62.16%, and lower is better.
Is Gateway Commercial Bank growing its loans?
Net loans grew 6.6% over the year to Q2 2026, while deposits grew 6.2%.
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 U.S. 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 Arizona bank ranked.