# GATEWAY BANK
MC MURRAY, PA · FDIC certificate 57615 · asset band <$300M · latest filing 2012-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $127.6M | |
| Deposits | $103.5M | |
| Loans and leases | $95.8M | |
| Total equity | $20.2M | |
| Loans / deposits | 92.54% (p90 of band) | 68.02% |
| Liquid assets / assets | 19.70% (p15 of band) | |
| Uninsured deposits / deposits | 48.06% (p99 of band) | 8.86% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.19% (p53 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.27% (p77 of band) | 10.05% |
| Unrealized securities loss / equity | 0.15% (p15 of band) | 3.01% |
| AOCI / equity | 0.09% (p59 of band) | |
| ROA (annualized) | 0.03% (p13 of band) | 0.76% |
| Net interest margin | 1.39% (p2 of band) | 3.75% |
| Efficiency ratio | 93.85% (p86 of band) | |
| Noncurrent loans | 0.63% (p36 of band) | 1.21% |
| Net charge-offs (annualized) | 0.00% (p17 of band) | |
| Reserve coverage of noncurrent | 0.00% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 16.46% (p51 of band) | |
| Auto loans | $56,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.8% | |
| Employees | 17 | |

## Flags firing in the latest filing

- **NIM <2.5%** (`earn_nim`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | loans exceed deposits |  |
| 2012-03 | 0 |  | loans exceed deposits |
| 2012-06 | 2 | capital falling, expense ratio p90 |  |
| 2012-09 | 2 | NIM <2.5%, reserve under noncurrent | capital falling, expense ratio p90 |
| 2012-12 | 2 |  |  |

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

- 2026-09-09 [5.35% p.a. for 6 months: What are the best term deposit rates? - Savings.com.au](https://news.google.com/rss/articles/CBMingFBVV95cUxNM0RWMkJacUh3eGltelRsRDdlZkUxM3BZUGg2Z2xObUV2S1RKSEVzTnNCNE9xX0QyS09TM0Rhcjc3dW12QXUxMkxXenZRTHhmOUNBM2RtQTFJRG9zOGNhQmlpSWdjME96clUwUjBVMW5rU0pDcDZVZ2dvTG9hN1NNOFlacWUyVlZhenYzdFVfX1ItSmNINGtOZzEtOHV5QQ?oc=5) · Savings.com.au
- 2017-10-31 [S&T Bancorp, Inc. and Gateway Bank of Pennsylvania to Merge - PR Newswire](https://news.google.com/rss/articles/CBMisgFBVV95cUxOYWlvX3RGUXFhN3daejBrZHc0T29vMVMzT08zODdVNVZJT0gyeVhiSFBHcG5NdHBLVXJGWVYxSjR6YzcyYU9vbzdjcEpTUWozLXBfLXI2c1dlWnN4V1B4SE1OX0ZFaV9DVzR1eVk4NmVFaU10YjJGeG1Ja09xeTVXUEc3LS1LVVVQcWhkMUdhcFh6NWJwWG5rNTlicUNkQkRia2U5d2pDeHl3SlRNdXFUYUtB?oc=5) · PR Newswire
- 2026-07-10 [Gateway Bank Home Loans: 2026 Review - Savings.com.au](https://news.google.com/rss/articles/CBMigAFBVV95cUxQRHN1UWI3ZjJBaHBLaXpDQWtXeVNOeGxPNG5uX003YU4xdktPc3ljVkR2SlY0Ujg0Q0pqc05KbER3LVQtRFBtV2F3OEhwMXFVSkxRTkJJd21aeklYLURNNWcxZkp2TGtsbVI2QzFnQjlQMEJkUHhoS01RSVY3Y2FSNA?oc=5) · Savings.com.au
- 2025-05-09 [S&T Bank Thanks Frank J. Palermo, Jr. for 12 Years of Service on Board of Directors - VISTA.Today](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8zaUtUYy1TX2JjQ21vVWgyMzIwTWN2MXNhM1pNOUtHZ0hhOTVWUENkOGpZcmc4bF9oU3Bucng5cXhhNGZwNjRLTm11T3JVellPRDZYMnU2R2FuRFdlV00zbG5KQQ?oc=5) · VISTA.Today
- 2024-05-17 [Are shorter term deposits worth a look right now? - Mozo.com.au](https://news.google.com/rss/articles/CBMimwFBVV95cUxORzhicU5WSDZ6WlBHX1Noak5jUDZRejlzWU1uckJuYUU0M2RZZFFrRk5MeGNSb3BTRTVDb3cwNE9DWldVVkZsanBweDlMYmYzLUpoRjRlVndVVEl4dTVibmNKd2hhQ2Q0c0xud0NFREJqT2RTMkwzQU9aMnZJOTkyQ1F3ZW45aHVvWFI5Yy0tRXh0ZDZTUW9SWXIwYw?oc=5) · Mozo.com.au
- 2026-03-27 [Term deposit rates skyrocket: 5.60% p.a. on offer - Savings.com.au](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPX0czNjBidzB2ZGw2LXhEYU5rUlRRQXppNzdhMVRhUDMtZGlraVhKV1prdkw1cC1lb3hMZHJ6Y2lNeHNVM0hhb21hMWx1WTVlU3hpcXNvdzNTUVV2Tnd5WUs3T3NiM1JIV2pNS0FjbDBsVVJXSnVKTGZrQVBFSm42dUhneW1iUHJOMV9j?oc=5) · Savings.com.au
- 2024-02-27 [Judo Bank still leading? Which term deposit provider has the highest rates for March 2024 - Mozo.com.au](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNFJZY0pqYTktQmlLZGptN3liVk9tSnVhbXA2M0hhMlJrZ1ZvMXE1VlJhRjZZUEJTVngya1VaT0JYazNjUEhLazFDV1k5SG5aYWpnWWpHQ3Fsdm85Wm1uVnZDVERpb0FXckE2RzE0a0VYNkJ0UDlNakdfa2RSX3hQYlgweEFqeG5sT1lfdjhKMEpvWXlwUkN6U2d2OGM?oc=5) · Mozo.com.au
- 2026-06-05 [Savings account rate increases after RBA cash rate hike: May 2026 - Savings.com.au](https://news.google.com/rss/articles/CBMibkFVX3lxTE1EaGx4d19CN3BsNnUxb1NyZkdMX2JDUjhGOXZGVGlHeVpyYXF2S0l1OUd3UnJoWUxFaGtmRW1nR2VEZXBwTnNaSzFjay1jQTVDbUN5blAyM0VFR2tkeW5SSVQtR3hTZkFSMHhLWWVR?oc=5) · Savings.com.au

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57615 (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 "57615", 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