# GATEWAY BANK
MENDOTA HEIGHTS, MN · FDIC certificate 57644 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $319.5M | |
| Deposits | $269.7M | |
| Loans and leases | $226.2M | |
| Total equity | $46.2M | |
| Loans / deposits | 82.83% (p52 of band) | 82.04% |
| Liquid assets / assets | 22.51% (p41 of band) | |
| Uninsured deposits / deposits | 19.75% (p28 of band) | 25.97% |
| Brokered deposits | 5.83% | |
| Wholesale funding | 5.83% (p62 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.39% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -0.18% (p94 of band) | -8.10% |
| AOCI / equity | -0.35% (p50 of band) | |
| ROA (annualized) | 1.36% (p55 of band) | 1.28% |
| Net interest margin | 3.99% (p54 of band) | 3.91% |
| Efficiency ratio | 65.70% (p63 of band) | |
| Noncurrent loans | 0.00% (p9 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 55820.00% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 24.91% (p31 of band) | |
| Auto loans | $461,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-12 | 1 |  | capital falling |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 0 |  | capital falling |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | capital falling |  |
| 2016-12 | 0 |  | capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | uninsured deposits leaving |  |
| 2018-09 | 0 |  | uninsured deposits leaving |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 1 | capital falling |  |
| 2019-12 | 1 | uninsured deposits leaving | capital falling |
| 2020-03 | 0 |  | uninsured deposits leaving |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2024-06 | 0 |  | capital falling, uninsured deposits leaving |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | uninsured deposits leaving |  |
| 2025-03 | 0 |  | uninsured deposits leaving |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | capital falling |
| 2026-03 | 1 | expense ratio p90 |  |
| 2026-06 | 1 | capital falling | expense ratio p90 |

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

- 2022-04-16 [Laura Mayer - Twin Cities Business](https://news.google.com/rss/articles/CBMiUEFVX3lxTE94SjlVc2FXbDVqdVg3dF9BVzIxSGx3Y1BEYnRQN1llbXV0ZFNBeWV1SjRralctcFF3UTZYRWpmZGRRRkQ4ZGk2OHhFTzdtVmZt?oc=5) · Twin Cities Business
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2021-08-08 [St. Anthony: Angry Catfish, a bike-building coffee house in Mpls., nears end of expansion project - startribune.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPRjJWNzRiYjFOLTFadmZJZ28yMDZ2d3IzWUZTazZXdGxobkF3UUhURU1IbkFMSkQ5Q3Q2bG52OWVMMF9VeWdmNmhWRWdoaHZXbE9lLXA3ZWFKZmpjYUd2aF8tUUpPMDQ0Z1dZR05LcUQ2aFA5aU1MZTN0V2ttZk9BT2dSMUtkbG1kYlNlMnBtRWp3LTBMQW9ENFZCNVRLeDlXNTZxOFFtUjZZNFh6MWl4UkhSZnFCTVU2Z1dZMHRJdlhsMndSMGhZYmxB?oc=5) · startribune.com
- 2024-05-15 [Nicholas Hunter Streiff Obituary (2024) - Baudette, MN - Helgeson Funeral Home - Warroad - Legacy obituary](https://news.google.com/rss/articles/CBMihgFBVV95cUxORjVBS3JCMWZYZkNDd2xNU1lJdGxSTUpOS1V0SHFKT2ZHTmNLSGl3NWlpTkNGZldpRG15bHNsU3Q1UHRMX0ZxZlJHd3BfVGxVUFMxLUNDbWhkTndjc1NBNEZycWZtbHZ3blhGQUt1dU9ldi0wZDJSR2tqRldDUlFXaWhBeWJmUQ?oc=5) · Legacy obituary
- 2017-02-18 [Business People: Sunday, Feb. 19 - Pioneer Press](https://news.google.com/rss/articles/CBMid0FVX3lxTFBsRzlLRlRfRi03YUZhQTZ1cXBVYkEwSEVDMlZwdVBSM09IVHRvRnU2Y3A5WjBxYU11em90N1A3MXBRS1dHbUI0WklxU3FNa19CSFBMZzYxLVBvdVpSa2dwejgtNGdleS11MFQ1amNaZnFUemFSYTNJ?oc=5) · Pioneer Press
- 2017-09-24 [Thomas Stephen "Tom" Schreier Sr. Obituary Sep 24, 2017 - Mueller Memorial](https://news.google.com/rss/articles/CBMiakFVX3lxTE9tQU9QWmVHYnlma2s4SUQ1NFpiNExZVDdMeVR2amV2ZWdlc3hxMFlfbGdEbFh3Y2lhZDlZUEh2dFY4eHdKTi1MdUpLV2FsVkJLUVBjWHh1LUlxTy1nMFNEaGd1UGpEd2VCS2c?oc=5) · Mueller Memorial
- 2025-12-01 [Finfactor raises $15 Mn in Series A led by WestBridge Capital - entrackr.com](https://news.google.com/rss/articles/CBMikAFBVV95cUxPcTFrdWRHMjZPTFA4V0Nzd3JpckRmam5hdURvZkVNcTlFZEZMRnJ0WFBLOHNpN3ZvUFlvSHNzT0JQU2stb3JsaFU3R095ejh1LWUwakpvTm81Wk5tVko0YWxwNUo1ekpHOWxERVdSc1VzR09vcXJFRDh5VnpfWm5taldZMy1KMWNoMHRHYk5oRWjSAZABQVVfeXFMT3Exa3VkRzI2T0xQOFdDc3dyaXJEZmpuYXVEb2ZFTXE5RWRGTEZydFhQSzhzaTd2b1BZb0hzc09CUFNrLW9ybGhVN0dPeXo4dS1lMGpKb05vNVpObVZKNGFscDVKNXpKRzlsREVXUnNVc0dPb3FyRUQ4eVZ6X1pubWpXWTMtSjFjaDB0R2JOaEVo?oc=5) · entrackr.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57644 (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/44.json (key "57644", 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