# GATEWAY BANK FSB
OAKLAND, CA · FDIC certificate 33103 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (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 | $288.2M | |
| Deposits | $204.1M | |
| Loans and leases | $246.6M | |
| Total equity | $37.2M | |
| Loans / deposits | 119.51% (p98 of band) | 73.59% |
| Liquid assets / assets | 11.44% (p6 of band) | |
| Uninsured deposits / deposits | 15.23% (p32 of band) | 19.81% |
| Brokered deposits | 4.16% | |
| Wholesale funding | 19.07% (p94 of band) | |
| FHLB advances / assets | 14.92% | |
| Tier 1 leverage | 13.84% (p69 of band) | 11.76% |
| Unrealized securities loss / equity | -7.08% (p48 of band) | -6.57% |
| AOCI / equity | 0.08% (p88 of band) | |
| ROA (annualized) | -0.36% (p5 of band) | 1.17% |
| Net interest margin | 2.74% (p7 of band) | 3.93% |
| Efficiency ratio | 110.67% (p96 of band) | |
| Noncurrent loans | 2.15% (p87 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 49.77% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 5.59% (p30 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -7.1% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **wholesale funding >15%** (`liq_wholesale`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 6 | losing money, expense ratio p90, NIM <2.5%, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 5 | leverage <7% | NIM <2.5%, noncurrent p90 |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 6 |  |  |
| 2012-03 | 7 | securities losses >30% of equity, uninsured deposits leaving | losing money |
| 2012-06 | 10 | leverage <5%, losing money |  |
| 2012-09 | 10 | deposits shrinking, assets shrinking | capital falling, securities losses >30% of equity |
| 2012-12 | 10 |  |  |
| 2013-03 | 8 |  | charge-offs p90, uninsured deposits leaving |
| 2013-06 | 7 | loans-to-lenders >50% equity, uninsured deposits leaving | leverage <7%, leverage <5% |
| 2013-09 | 6 |  | uninsured deposits leaving |
| 2013-12 | 8 | leverage <7%, capital falling |  |
| 2014-03 | 9 | noncurrent p90 |  |
| 2014-06 | 9 | leverage <5% | deposits shrinking, assets shrinking |
| 2014-09 | 9 | wholesale funding >15%, deposits shrinking | capital falling, noncurrent p90 |
| 2014-12 | 9 | assets shrinking | wholesale funding >15% |
| 2015-03 | 10 | noncurrent p90, charge-offs p90 | loans-to-lenders >50% equity |
| 2015-06 | 10 |  |  |
| 2015-09 | 11 | uninsured deposits leaving |  |
| 2015-12 | 8 |  | leverage <5%, uninsured deposits leaving |
| 2016-03 | 8 | uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 9 | charge-offs p90 |  |
| 2016-09 | 6 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-12 | 7 | uninsured deposits leaving |  |
| 2017-03 | 5 |  | charge-offs p90, uninsured deposits leaving |
| 2017-06 | 5 |  |  |
| 2017-09 | 6 | deposits shrinking, assets shrinking | noncurrent p90 |
| 2017-12 | 8 | capital falling, noncurrent p90 |  |
| 2018-03 | 4 |  | expense ratio p90, losing money, capital falling, noncurrent p90 |
| 2018-06 | 5 | losing money, expense ratio p90 | leverage <7% |
| 2018-09 | 6 | noncurrent p90 |  |
| 2018-12 | 7 | uninsured deposits leaving |  |
| 2019-03 | 5 |  | reserve under noncurrent, noncurrent p90 |
| 2019-06 | 4 |  | assets shrinking |
| 2019-09 | 5 | capital falling |  |
| 2019-12 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2020-03 | 2 |  | losing money |
| 2020-06 | 4 | loans exceed deposits, wholesale funding >15% |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 | losing money | loans exceed deposits |
| 2021-03 | 3 | loans exceed deposits | expense ratio p90, losing money |
| 2021-06 | 3 |  |  |
| 2021-09 | 0 |  | capital falling, wholesale funding >15%, loans exceed deposits |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | assets shrinking |
| 2022-12 | 2 | expense ratio p90 | securities losses >30% of equity |
| 2023-03 | 3 | losing money, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 4 | capital falling, securities losses >30% of equity | uninsured deposits leaving |
| 2023-09 | 3 |  | capital falling |
| 2023-12 | 2 |  | securities losses >30% of equity |
| 2024-03 | 3 | NIM <2.5% |  |
| 2024-06 | 4 | capital falling |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 6 | noncurrent p90, reserve under noncurrent |  |
| 2025-09 | 6 | deposits shrinking, assets shrinking | capital falling, noncurrent p90 |
| 2025-12 | 8 | loans exceed deposits, wholesale funding >15%, noncurrent p90 | assets shrinking |
| 2026-03 | 8 |  |  |
| 2026-06 | 6 |  | NIM <2.5%, noncurrent p90 |

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

- 2026-02-03 [Gateway Bank, F.S.B. Announces Completion of $16.1 Million Private Placement of Common Shares - GlobeNewswire](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQWVlUZFYtS0Z0NGtiREs2TUNoMG9mWkN4VmM4eUpPTjB3OE5WQklaMzNSbVFmTmhfS2N2TXBaeEJpc200YmNSUGJaV3NiRy1RNGZlZHRsVXNXWk05RVg1WEs1ZjFscWhZYkZWWmRBSmxpdGFud25DdmpMMl9NRVlfajZ3bXJtcW9fUXpMVGlHTl9PUmNfaHJyWHZGN3lrYzl2dG9CMlVSNDVCMEtHZl91anZPRHZCT3dZbUlUR1BrWXlnWkhiU05oUFVwcTZSeVVkd0ZsdG95RFBvLVA5VWFlUWV6cGQ4elAyUW9uWHg5cUZ4YWJp?oc=5) · GlobeNewswire
- 2023-11-30 [Gateway Bank, F.S.B. Completes $15.0 Million Private Placement - Business Wire](https://news.google.com/rss/articles/CBMivAFBVV95cUxOc20weUxORTVNVTk2eE9lRERmeVRjcTk1bEo5MmUxSVlwakRkT1diamhyZGVTaHVrRElrdnpQc0ZXWkdSYlppd01MQ3JrY1p2bHg3R3pnVkNYWWdHTXRiZHNQaG1BTzUtWk5wVEk2TFhQWnZYVVUzclNYWjlUTkhKbi12LTQ1ZHBYcy1WSFpJTzIyUnNMaTBycmFpc3RadDE0dDFWR1AwUGdYSWVPSzZncFZnY3dRT3hLanp1eg?oc=5) · Business Wire
- 2019-12-20 [GWBK Stock Price and Chart — OTC:GWBK - TradingView](https://news.google.com/rss/articles/CBMiWEFVX3lxTFAzUkd0dUFNMTdBVm1zamQ4VjVYSEpsVU51cWphakJ1SUpubWJJTm8wVjRjd01kb2x0bU1feHVzUFdRTlQ0a1kwREpFNVVpYWhZaVZyZ3hWVFc?oc=5) · TradingView
- 2023-09-29 [Gateway Bank, F.S.B. and Royal Business Bank Agree to Terminate Merger Agreement - Business Wire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPbWRMUnFiZ1N1Ujg5Z2pwaC0zdXowNjl6dGZiV2U4YzlHME9VMW00QlJfRzlkTFZobDBNQVlJNWhOU3ozN01LYU80Z1FIWVlPbmhFbGlhOTB3ZjB2Tl83QUlET3RSdi15VDZVTFJ0QWRWdmdZemlSNUtoTTVfZ1JnbDZqcGM3SjNHNkFTd2hYRlctY2VRX0xTQ05ERzUtSW4wZVR0VFNGNU9nTHM4S1A5TU1xMTJINXN3RFlKN2tWVXVRdUw0bng5UjlyM3JXeVM2U1E?oc=5) · Business Wire
- 2025-07-24 [Gateway Bank, F.SB Appoints Mukhtar Ali as President and Chief Operating Officer - newsbywire.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxPMEhEaEV2OG01NXVLdDBrVHFZb1BQSTlJLTlFTGNWZ01FWlU0a1lEUTNGZHQ2NWo4TENmRVVHLWk1Y1RKOFp5dkNjdGVueDdwQ0VHbXIwY1R6QWJucjlPT0w5NW1LWmZLNS1obXEzSVBzcWMyQmFKTjQ3MXAyVGdOa1otMkdaSk8wR3RCSDZZa2huSGlDenF5blV0aGpGbzVOVEtORHhJcm8yRjljUVJCWXd1ZjA2S2c?oc=5) · newsbywire.com
- 2026-03-02 [Gateway Bank, F.S.B. Announces New Branch Location in Walnut Creek - GlobeNewswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxPc3plbVlfMU1aNFNaN1R6d3ZLVHJMOGlRNEE2TnRVaUtpNi1JR05kVTV4MlZIZ1l6dnpVR3hQTU1aNnRVdi03R3JRaElEVTZydGVkaUN2UWU1T2Mzc0dHbGFIeDFMTU5nS25aV0VkdFpzeUVGdGs3QzZPaG9hVFRwOENDa2VkNXU0MjlUUWppYXlCemFGcE42VlY3MktHTmxFQkZtaWt4eHNpZDRMX05FaTJUSjdVb1g1bW1QZUxvVjd1X1FFQ0xxVDZsMXJXZFQ1VlE?oc=5) · GlobeNewswire
- 2015-12-02 [Poppi Metaxas, former bank CEO, sentenced to 18 months in bank fraud - newsday.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWTRaczA2OUhISlgwajV6Z2YtNVlhazZaYUY5VGhXeTY0SWd5MmNKbTNhbUNHcmJ4c0Ezek5GWXBldUtUNURIZ0tDTGlUQXZYa1FPTmdpTzdtdmVxYVY5T0hWdTkzaW9VY3doZ0xBdGp6dzhjbzBydzVodVV1MmRWeUZRcnNfRGNqbWJMdnBaSnhmekVBZXZIaW1QNWVuTDNITFE?oc=5) · newsday.com
- 2026-08-06 [Gateway Bank, F.S.B. Strengthens Construction Lending Team with Two New Additions, Names Tom Rodriguez EVP, Construction Manager - The Manila Times](https://news.google.com/rss/articles/CBMiogJBVV95cUxNRjRRYjRVQ3o2cTZKT1JfS052eXYxb2t2RXpBVS1HWEZ5WGlXODJ5bktOX3lmYmduNzdINFI5LTZWc2E5WWxZb21VQ29VT2x1Sm1zNEhBLXVONmhDYnBZdDdYRzE1bHhwT1NmbkFfTnJ4alJaWFBZU2dwWF9qemxXc05pNzNmSlRBWVR0N1J4Q1pYYXJZc2dXRVpwcExKejlUbUw4X2lKN3dMbU5BZm5lR3BtQjdNbnBVVEwtTDFTUEJESlktbUh6M2lDdkdxVVNBdkxHZ0VMbjQtQzVjYU9Ec3JTOGJ2aFhKSzkwTUpiMUs5VVFfS2piTHl2VWk5cEVUUDlvV2k1dVJvNUVYZ1lqYjM0T3RKVHdNQ1RYVkRxMWcyd9IBpwJBVV95cUxOY3NDeFBLTkMyUmxpb0RiTkxGUi1NNEt0cjVMT2tOSE1DdkczR1pkNFgyMDkyMFk3Y3JZMFM5UUJOenhfanYwYjN1YndIVlJsQS1OLV82SEVMazZSLTZfVUFOSlVJaHFtdVQ5eFl6cndrSkZHTklLZ3lNWFpEMnY2RzBPajJEeUIwdmNtdGdKX1FkSHUtOW1henduajlpTnQtRXhOaDdLRWlmT3BKVGUtS3NnU3FBS2hsTThuaTlCUm9iQmx3ajd1UF9Td0FjbDNqdlFHLVNhVHdSMnB1OVdmVVNDXzhSdkxURW41anlKcTFibW11NW9pb2VYNGp2NXU1SlFjakdnY3NqVkhCWDY4clYxVTRoSzdJLS1qcC1qajlfWGhRblJr?oc=5) · The Manila Times

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33103 (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/15.json (key "33103", 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