# AMERICAN GATEWAY BANK
BATON ROUGE, LA · FDIC certificate 313 · asset band $300M-1B · latest filing 2015-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $373.7M | |
| Deposits | $283.3M | |
| Loans and leases | $152.9M | |
| Total equity | $44.9M | |
| Loans / deposits | 53.27% (p11 of band) | 79.82% |
| Liquid assets / assets | 55.38% (p93 of band) | |
| Uninsured deposits / deposits | 35.30% (p88 of band) | 19.17% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 11.65% (p74 of band) | |
| FHLB advances / assets | 10.50% | |
| Tier 1 leverage | 11.83% (p77 of band) | 10.09% |
| Unrealized securities loss / equity | 5.81% (p85 of band) | 1.83% |
| AOCI / equity | -0.78% (p2 of band) | |
| ROA (annualized) | 0.73% (p36 of band) | 0.88% |
| Net interest margin | 2.81% (p11 of band) | 3.54% |
| Efficiency ratio | 103.94% (p98 of band) | |
| Noncurrent loans | 3.54% (p94 of band) | 0.85% |
| Net charge-offs (annualized) | 0.06% (p70 of band) | |
| Reserve coverage of noncurrent | 37.02% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 72.16% (p81 of band) | |
| Auto loans | $406,000 (0.27% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 | losing money |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 5 | expense ratio p90, assets shrinking | losing money |
| 2012-06 | 7 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 7 |  |  |
| 2012-12 | 6 |  | uninsured deposits leaving |
| 2013-03 | 5 |  | expense ratio p90 |
| 2013-06 | 3 |  | construction >100% equity, deposits shrinking |
| 2013-09 | 4 | noncurrent p90 |  |
| 2013-12 | 3 |  | noncurrent p90 |
| 2014-03 | 2 |  | assets shrinking |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | noncurrent p90 | wholesale funding >15% |
| 2015-03 | 3 | expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-01-08 [Merger of Business First Bank, American Gateway moving slowly - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMinAFBVV95cUxNMUh2eC1PSDV6N0R3TUNpaV9IRmY1U2FfUUhSX1pkRGhCbmZ6WGx5RVdrX3FRMzc0d3VyZTVuem5QY1dsLTNERl9ISU9NM3V2c2JkVDRQM0dFVTVfNzF0bFNQcWR2dHAtRTJlcTJnSmdXOFIxaFNhandvU045OEQ2QlY2Y1FRVzFoZUhnY2lGZWZPaEJXT2pCRTJpZU7SAaQBQVVfeXFMTmJOWTZQREJnRkltNmkzNEhBcG4xandyVndKRmU3S1ZjT01OVEpuTWFlYWlnd011ekRKdjF6OU1KdHIzeGhERWFwV29pMng2NUlkSTJBbG9ENjFwNlVkYzFVWGdrUjNha2YzT3FIcVRRYXVLeWN6dGh6TnptcVExM3BKSWdwNFBsay11VUVnZGJHS3ZqLTd3bVhQSkxudGs5YkJjYTk?oc=5) · Baton Rouge Business Report
- 2024-12-01 [Jacob Vincent Obituary Jun 29, 2010 - Resthaven Funeral Home | Baton Rouge, LA](https://news.google.com/rss/articles/CBMibEFVX3lxTE1kRnFqREhFZHJBVlptazNSZHdua21GM2pTX0N4a2g0Z0d6UWs0QUd3UlhGRnRlRUZiTlJYOFJlVnhnSjZyVFVjWWlpUWoteTRxYlFpTXhTbFozSVJzcDV6YzNWNTZfQ1VNbXVldw?oc=5) · Resthaven Funeral Home | Baton Rouge, LA
- 2009-11-16 [Bradley Gremillion - Senior vice president?, American Gateway Bank - Baton Rouge Business Report](https://news.google.com/rss/articles/CBMiowFBVV95cUxQQUdqTVp4bU9OakJZQVQ5UUlnMC1FLVM5YnVEVEJDSWJZbGRHMWdFVkQ2TkJzU0N1dVlTcTR6NGQzVWw1QkF6MlBaaHZJdE5CV2U0Njh3TWtjS2Z5R19MQ19OOURpSUNtbGR3ci1EM0g1eDlrTjZuQ1BLeEQwRUlwWkx0bmJZb0ZKZ0lkbGZmNnZqazNiM0xIaVFKaFJnelNQWVJr0gGrAUFVX3lxTFBCMjNHWlNnWkRmOTRZU1JzRWtUcHMzd2k2UllpX1J3UXFzdzBLSk4zdnM5YlREbGsxaTBSaTkzQjNoSFc3MW9EQll2OF9CdVlRVUhRZHpLQTNjNUVmaG5IOHV1NXJVbmFEaEc5X3picDZydE5BYWVpM2RYTmMtWDBURjRsQXlpRzlVcHNBNEI5eV9ZQVgyLVkyRGRzblV6V3E4VjREWEVUcU9oNA?oc=5) · Baton Rouge Business Report
- 2014-07-05 [People in Business for June 15, 2014 - theadvocate.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQbDBsSU5DX3praTNZbTNORFk1TWpYSFdPY2htdlg3Q19PcXdyQmM1V3c0bnRPcktyMXpEMzZ3WkpaeEFWLTNmcnlfY1VaQ19jbDZVTGVZY1M1cmsxSlFoVjROdlQ4ZWRXQUM5SkplVVR0Y2ZId281X3pndHVqdzdMOURJNkVhYlN3SlU5eVBtUlBnSHNPT0ZDQjVVVUg5bjBpWEtqcHBaVndCS0R2NFd0SWFvQm9xTS03LWFLcHJueTlpUnZBM01uTWVYWTA3MjR4Yk9FX1ln?oc=5) · theadvocate.com
- 2005-04-26 [Police: Two EBR Teachers Part of Elaborate Crime Ring - WAFB](https://news.google.com/rss/articles/CBMikgFBVV95cUxNcFo4cHk3WU14UkppX1hEalFQMUx0RkQ0M2FkdktpNFFwRHQ1SHhTSmI2NURkdXRHZFNYYmphbXZkVUxZZlRWUjdjRW54NXVOOUt1dlhDOVZkZDhXR2VxSGNMM3NrTUEyTFRkdzctd1RMMVlpTXFOUVlGS3V0Z1ZlZVZqWkp1UFpYdXY3VVNCb2Mtd9IBpAFBVV95cUxOUHh6V1doQWFkLXpnQjdqMWVtN1J3S2U0T1d4Vk1NRWJldzFTVzZyblJmOGF5X2NPU2NramtnVjNpcmZmTW9TUTdSVmNtV3U0U2N5Q3lmNVJ0elpNeDNiclRvQXh0UzhQWDJDWFhoZmlPQ25XUm11VnJjSzUtQ3ZEM1pxWDVEVXQyWW1SYkhtNTN4b2lUTzdoXzcyZ2hMUEpzRkUyTw?oc=5) · WAFB
- 2014-06-13 [People in Business for May 25, 2014 - theadvocate.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxPWHFpdFRoOXQ0RE1YVlhMd00yN0lYeVV0aG80LWlFeHRhZjIyc3diRXJ6TmU2aUpDUmJ4eVZoQWlTbTFDckZOZlp2a2JvRFdfZDVDcEpQQWhvVmMwMmxfVkp1MFQ4eEF5ZXVHZTBGRFhydm41cWt1bFc1X2ZwbEJ5S3hCc0wyVmRSeFhQUmJPT0dtODlnZ1JLMFN3aUVjRkdPMTlQanl0X3RnQXQ3cElrcExYVVBDc2piYnR3MFI3SHNfdWVHT3FsWVpYTmY4VHlycUxISQ?oc=5) · theadvocate.com
- 2021-12-22 [Melissa Laiche Obituary (1961 - 2020) - Baton Rouge, LA - The Advocate - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPdzlYQklaSnBZSGFtb1VBWWNtZ2lIREoyaEE2dHMtbXhHNmc5Mk9HcktOMkdYdzlRQ2Jid0V2U0hVU0pjSTlSUHZ4WHdGaUlQd2ZnU2JhU1loWEM4TE4yNHFsdkdrMTMwMGFXejNsQXpZc0FNdjM4aGdTdTZMX01teTRiSzFQZzg1eEl5YlJUS08xdw?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=313 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/57.json (key "313", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide