# GATEWAY COMMERCIAL BANK
MESA, AZ · FDIC certificate 58678 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (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 | $231.4M | |
| Deposits | $190.7M | |
| Loans and leases | $151.8M | |
| Total equity | $25.7M | |
| Loans / deposits | 78.54% (p59 of band) | 73.59% |
| Liquid assets / assets | 31.33% (p47 of band) | |
| Uninsured deposits / deposits | 39.32% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 6.33% (p77 of band) | |
| FHLB advances / assets | 3.02% | |
| Tier 1 leverage | 12.00% (p53 of band) | 11.76% |
| Unrealized securities loss / equity | -17.06% (p27 of band) | -6.57% |
| AOCI / equity | -0.78% (p33 of band) | |
| ROA (annualized) | 1.44% (p65 of band) | 1.17% |
| Net interest margin | 3.78% (p42 of band) | 3.93% |
| Efficiency ratio | 48.98% (p12 of band) | |
| Noncurrent loans | 1.24% (p75 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | 108.47% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 88.03% (p92 of band) | |
| Auto loans | $90,000 (0.06% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.2% | |
| Employees | 18 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | reserve under noncurrent |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 | uninsured deposits leaving | capital falling |
| 2013-03 | 0 |  | uninsured deposits leaving |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | charge-offs p90 |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | charge-offs p90 |
| 2018-03 | 0 |  |  |
| 2018-06 | 2 | deposits shrinking, assets shrinking |  |
| 2018-09 | 0 |  | deposits shrinking, assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 1 |  | deposits shrinking, assets shrinking |
| 2023-12 | 2 | deposits shrinking |  |
| 2024-03 | 1 |  | deposits shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | deposits shrinking, uninsured deposits leaving | securities losses >30% of equity |
| 2024-12 | 1 | securities losses >30% of equity | deposits shrinking, uninsured deposits leaving |
| 2025-03 | 0 |  | securities losses >30% of equity |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

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

- 2022-06-06 [The dry spell is over: Arizona to get second new bank in 2022 - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxNaDU3bFhWd3JDeEI1S0RuTUF3Mi1Qak8yY3BKdkpwa2tFQXFlMURiREtabERFbHZiS2lCTmZ3aXZNSzZscU1lSGRjTVdvdXYwRGZsbEtKSmxITzlBQWtPNkhDLWV2cGNidTk0U2h1dTRocUJkd3dISmlTLTZhWUg4RldRajZ6OU1tWW10WVl4ekhSOXdwbjlKa2NRNnc?oc=5) · American Banker
- 2007-12-06 [E.V. professionals open Gateway Commercial Bank - East Valley Tribune](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNOGVtNWlGVXI5ZnVoWVVoQUs1VjB4bnRveXBxR2ZyY0ZkYWh5TDhjMGV4LWx5ZTkzaDNjUzZOUVhLNTZYUVhYaThNMTVfWmk1dXhzQWlBTXZ5V25zOE5mRHhGYmd3T3k1TEF0SXJRaFM4ZGxVXzFINS1WemQ2b0VXSjNPc3g5dlhWalBEUzE0X1R3N053NUotTWltZU1xNU90a2xET3d4OVR5TXFUaHBmbVlhUkdjYlFKZFE0dGFqZnljM0NldlRQOHpocnRMblRNVnc?oc=5) · East Valley Tribune
- 2021-12-09 [Metro Phoenix Bank, one of the few banks based in Arizona, to be acquired by North Dakota chain - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPNVlyQWt3YXRXLXQzTDJ2Ymk5YWpoMl9CMzFPRjJMOWpEMS1obWo2WG12YU9yRjcyeFpPRS1nUE56ZW1NbjNaQ3J3Z2x4VS1DeWFEZjE0Q3VJUGY1SkZJODFsZkVFbzR0a1psalh5d2p6WjVvVjRjRV85dVpmd2pheTdhSk9rTXVlbzFpVjlYT2RMLWZhRXQzUjNvR0xTcng5dHhrMC0tQQ?oc=5) · The Business Journals
- 2026-07-07 [FHLBank San Francisco Awards $7.7 Million in Grants to Develop Affordable Housing in Arizona - Yahoo Finance](https://news.google.com/rss/articles/CBMilwFBVV95cUxPdXpwb05kNW9jc1FNU2ZNOWdoLVhlU3lkWVRGNmxVRFI1Qy10eTdWY0xNbjU4UjlEeTJ0aTVCbUc2YVZoNW1vWFFkZkhTNVNpREY5TjVaVGlvNWdaY1JSdjJOQWhxN2FRWUQtOE9wdUlyWlZnaXNGeTVmZ01zSzJ6dlVNSGVVVWc4VWd5T1VwVVRQVUNDY3NV?oc=5) · Yahoo Finance
- 2021-11-05 [Ellen Pence Obituary (2011) - Mesa, AZ - The Arizona Republic - Legacy obituary](https://news.google.com/rss/articles/CBMijAFBVV95cUxONHcwWXBTbG1HVXFCNjZKRHFobmx6QUtveWNLSmtKRzUxaVp0QTdISTBuTklIZ2tPbjB4LUthSDY4T2tLbEgxeC0zelA4NzdpamkyaE8xX3pFd3Q2QTJjQm9HeG9zQVpRLU5VUG9DNEZjN20zb0g2V2ZGY05XdmtTVkFFaGFNYk04SXloMg?oc=5) · Legacy obituary
- 2017-01-05 [Tumbleweed non-profit for homeless youth goes bankrupt - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMivwFBVV95cUxPUVdBX0MzUlkxNG1BWkpSLVB1UDNvWW9rUjBzSkQxZlQ1VWdCZ1dENkQ4X2prNUtMNVVCU2lrdmswdjdmR25FLUZiS1pXLTNvWDBoYnRQSm1FQW9yaFljeUFCdm8yenM0dl9VMUFXZ2pHSzE1UTROSm1rX3p0MU5lVXBDWW1iY3NxRXNQMDA0Q19fdXoxV2l4SU0wN0RZSjVzdDRWM2VSNVRzQlJJQlRCMF9fN09NS2tsdXEtMzZqVQ?oc=5) · azcentral.com and The Arizona Republic
- 2017-05-16 [UMOM takes over homeless youth services from bankrupt Tumbleweed - azcentral.com and The Arizona Republic](https://news.google.com/rss/articles/CBMizAFBVV95cUxPVTY2S1VudXY4TkVzZ3RQcGlPM0p5SG9UVlRuUlJMQ3dTNW5PWmJsNHFJV21uN0ZMYklxc1hWcTRaeFVqdlVvWE1uY3o4MVZNaFprT3dtUHpDTjgyRWM2blV4anBvT2QwYXNVYXU1QURScDloYzhUaFE5OU1TU3A3VUhSWWQ4QWM5REJPMjNvcURwZTVzOUU4clM2VnBIUVo4WDJMSDc0U3ZtQk1JSjFxU211bzJCTldyR2xtUzQ4VWs5WWl3X18zZTgzanA?oc=5) · azcentral.com and The Arizona Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58678 (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/54.json (key "58678", 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