# GATEWAY COMMUNITY BANK
ROSCOE, IL · FDIC certificate 57275 · asset band <$300M · latest filing 2019-03 · stopped filing (departed)

**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 | $89.9M | |
| Deposits | $67.8M | |
| Loans and leases | $69.8M | |
| Total equity | $9.9M | |
| Loans / deposits | 102.41% (p93 of band) | 76.50% |
| Liquid assets / assets | 20.92% (p26 of band) | |
| Uninsured deposits / deposits | 22.44% (p74 of band) | 15.89% |
| Brokered deposits | 1.95% | |
| Wholesale funding | 15.08% (p92 of band) | |
| FHLB advances / assets | 13.13% | |
| Tier 1 leverage | 11.07% (p45 of band) | 11.35% |
| Unrealized securities loss / equity | -1.16% (p30 of band) | -0.33% |
| AOCI / equity | 0.92% (p47 of band) | |
| ROA (annualized) | -0.13% (p5 of band) | 0.99% |
| Net interest margin | 3.42% (p27 of band) | 3.80% |
| Efficiency ratio | 106.90% (p97 of band) | |
| Noncurrent loans | 0.06% (p22 of band) | 0.56% |
| Net charge-offs (annualized) | -0.02% (p12 of band) | |
| Reserve coverage of noncurrent | 1174.36% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 42.82% (p75 of band) | |
| Auto loans | $1.5M (2.19% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.8% | |
| Employees | 20 | |

## 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`)
- **deposits shrinking** (`shrink_deposits`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 3 |  |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling |  |
| 2012-06 | 4 | charge-offs p90 | capital falling |
| 2012-09 | 3 |  | charge-offs p90 |
| 2012-12 | 3 |  |  |
| 2013-03 | 5 | losing money, charge-offs p90 |  |
| 2013-06 | 6 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-09 | 3 |  | losing money, deposits shrinking, assets shrinking |
| 2013-12 | 4 | charge-offs p90 |  |
| 2014-03 | 3 |  | charge-offs p90 |
| 2014-06 | 3 |  |  |
| 2014-09 | 5 | capital falling, noncurrent p90 |  |
| 2014-12 | 5 |  |  |
| 2015-03 | 3 |  | capital falling, noncurrent p90 |
| 2015-06 | 2 |  | reserve under noncurrent |
| 2015-09 | 3 | deposits shrinking |  |
| 2015-12 | 3 | charge-offs p90 | deposits shrinking |
| 2016-03 | 4 | deposits shrinking, uninsured deposits leaving | charge-offs p90 |
| 2016-06 | 5 | assets shrinking |  |
| 2016-09 | 2 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2016-12 | 4 | reserve under noncurrent, deposits shrinking |  |
| 2017-03 | 3 | charge-offs p90 | reserve under noncurrent, deposits shrinking |
| 2017-06 | 4 | expense ratio p90 |  |
| 2017-09 | 4 | capital falling | charge-offs p90 |
| 2017-12 | 3 |  | expense ratio p90 |
| 2018-03 | 3 | reserve under noncurrent | capital falling |
| 2018-06 | 5 | loans exceed deposits, deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2018-09 | 5 |  |  |
| 2018-12 | 4 |  | reserve under noncurrent |
| 2019-03 | 6 | losing money, expense ratio p90 |  |

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

- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2010-12-12 [Gateway Community Bank increases United Way giving by 5% - Rockford Register Star](https://news.google.com/rss/articles/CBMiowFBVV95cUxPUWRDYzNuNWlBS2hheFowU2xTMnhWUms3U2I3d2E3bkFLQnI1S1k3WXRyMzM3dlAxdzlyS01fZEtUTWxtZGVLU0tzSU1VaEJHb2NHdWtWT3lVZTZkangybG8yYVhSTkRpa2FzTk5YSmZnQVRTN3NxOTI2czh6T3VLUUFVU3ZBMzlYVlFweUZ6MnU0RkNMRkhFbHBzLWc5djI5NDJZ?oc=5) · Rockford Register Star
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2014-01-20 [Jessica Shrader earns HR certification - Rockford Register Star](https://news.google.com/rss/articles/CBMisgFBVV95cUxQdDhnVGFTREJuMDByWkhIeGY0Z2M0Z2RuclpCakNRak9KVjJjTUZIV2Q5dm9MbVNfb3lnWTkwZmE0Mmk4alZGOHJJdlptaGlvOHU0UlBiUVBnNVViOVd5RkNGNW5iUHNpUVBWZ1JDNlF1LUVrRlBvanBBTmlYNk8zUlJBOGMtX2xkTVFUZE1oVlRRVHY4d3JjSlNHTTUtczhUY2FPNVc1TVFiS1hhYzl5NjV3?oc=5) · Rockford Register Star
- 2010-10-24 [Essential Elements Therapeutic Massage relocates to Roscoe - Rockford Register Star](https://news.google.com/rss/articles/CBMirwFBVV95cUxQckdqM3I0RHBKT3psN1FBY21hWjFWX0FzVERweVo0WWFyRWRIeEQ3eks3TEppVDB4azBwZWxJZjZvY0YxVFVrUGlBMnhLOHliaVdkLXVYUkkxN3pFSEktNnVtelc3ZlBMRUw4M3R0Y3BWLTF3aEJtREpYdndMcWRld25xVHE3bm9wOUZrTl9PZHJ6dkFpU2NLRnhnaVdmaW5DYlZOZU45R1Iwd3Z0MnZ3?oc=5) · Rockford Register Star

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57275 (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/59.json (key "57275", 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