# GATEWAY BANK
RISON, AR · FDIC certificate 8730 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 4 (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 | $181.0M | |
| Deposits | $162.6M | |
| Loans and leases | $160.7M | |
| Total equity | $17.5M | |
| Loans / deposits | 97.69% (p89 of band) | 73.59% |
| Liquid assets / assets | 8.32% (p1 of band) | |
| Uninsured deposits / deposits | 35.57% (p89 of band) | 19.81% |
| Brokered deposits | 8.44% | |
| Wholesale funding | 8.44% (p82 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.65% (p19 of band) | 11.76% |
| Unrealized securities loss / equity | -0.07% (p90 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.78% (p29 of band) | 1.17% |
| Net interest margin | 4.29% (p67 of band) | 3.93% |
| Efficiency ratio | 77.63% (p74 of band) | |
| Noncurrent loans | 3.96% (p95 of band) | 0.36% |
| Net charge-offs (annualized) | 0.07% (p84 of band) | |
| Reserve coverage of noncurrent | 29.53% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 163.57% (p99 of band) | |
| Auto loans | $1.4M (0.90% of loans; DQ 3.61%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 3.5% | |
| Employees | 28 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 4 | losing money, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-09 | 6 | noncurrent p90, auto book souring |  |
| 2012-12 | 5 | charge-offs p90 | uninsured deposits leaving, auto book souring |
| 2013-03 | 6 | expense ratio p90 |  |
| 2013-06 | 4 |  | losing money, expense ratio p90 |
| 2013-09 | 5 | expense ratio p90 |  |
| 2013-12 | 5 | capital falling, NIM <2.5%, reserve under noncurrent | deposits shrinking, assets shrinking, expense ratio p90 |
| 2014-03 | 3 |  | capital falling, NIM <2.5% |
| 2014-06 | 3 |  |  |
| 2014-09 | 3 | capital falling | noncurrent p90 |
| 2014-12 | 2 |  | reserve under noncurrent |
| 2015-03 | 0 |  | charge-offs p90, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | capital falling, charge-offs p90 |  |
| 2015-12 | 3 | reserve under noncurrent |  |
| 2016-03 | 0 |  | capital falling, charge-offs p90, reserve under noncurrent |
| 2016-06 | 1 | reserve under noncurrent |  |
| 2016-09 | 4 | capital falling, noncurrent p90, charge-offs p90 |  |
| 2016-12 | 1 |  | capital falling, noncurrent p90, charge-offs p90 |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | capital falling |  |
| 2018-03 | 2 | construction >100% equity | capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 4 | charge-offs p90, deposits shrinking, assets shrinking | reserve under noncurrent |
| 2018-12 | 2 |  | deposits shrinking, assets shrinking |
| 2019-03 | 2 | deposits shrinking | charge-offs p90 |
| 2019-06 | 3 | capital falling, expense ratio p90 | deposits shrinking |
| 2019-09 | 1 |  | capital falling, expense ratio p90 |
| 2019-12 | 2 | reserve under noncurrent |  |
| 2020-03 | 4 | loans exceed deposits, charge-offs p90 |  |
| 2020-06 | 3 | capital falling | construction >100% equity, loans exceed deposits |
| 2020-09 | 2 | construction >100% equity | charge-offs p90, capital falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 0 |  | reserve under noncurrent, construction >100% equity |
| 2021-06 | 2 | loans exceed deposits, construction >100% equity |  |
| 2021-09 | 1 |  | loans exceed deposits |
| 2021-12 | 2 | capital falling |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 2 | reserve under noncurrent |  |
| 2022-09 | 3 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2022-12 | 5 | brokered >10%, wholesale funding >15% |  |
| 2023-03 | 6 | charge-offs p90 |  |
| 2023-06 | 7 | capital falling |  |
| 2023-09 | 6 |  | capital falling |
| 2023-12 | 6 |  |  |
| 2024-03 | 5 |  | charge-offs p90 |
| 2024-06 | 5 |  |  |
| 2024-09 | 7 | noncurrent p90, reserve under noncurrent |  |
| 2024-12 | 8 | capital falling |  |
| 2025-03 | 6 |  | wholesale funding >15%, capital falling |
| 2025-06 | 5 |  | loans exceed deposits |
| 2025-09 | 6 | loans exceed deposits |  |
| 2025-12 | 7 | charge-offs p90 |  |
| 2026-03 | 6 |  | loans exceed deposits |
| 2026-06 | 4 |  | brokered >10%, charge-offs p90 |

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

- 2022-06-13 [Gateway Bank in Bryant Announces Several New Hires and Promotions - MySaline](https://news.google.com/rss/articles/CBMidEFVX3lxTE5wSlAtYmhlazZRZFdwcW9OMFZUVzE3UFp2Mjlvd0JTMmQyU0cwdF9oQjZoVDZwLXBNQkFlcHVyZE1zdUYwblBFVmotUlJlck5rSUQxYmlscXhXOElwSkw3enJTSkRpMjlxb3RmQ3RMLV9QZlE5?oc=5) · MySaline
- 2022-10-17 [Gateway Bank Expands to Benton - Arkansas Business](https://news.google.com/rss/articles/CBMifEFVX3lxTE9ieG0tTjdmaFFIOVNWdVc4STRlWFh4X0F3cmh5LV9PXy1SdlhZbXN1UWNnT2psdEhvNFVIdUlGLUtaZU1tcmx4WHdpMWdRZFBaV3R2dUo1T1lINHB2TkZWb3NLUjVDRlJlYlk3NjJ2RXRCS0NRV0c1eG9qa3A?oc=5) · Arkansas Business
- 2025-09-12 [2025 AMP Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiaEFVX3lxTE81Sm13alpKZWpKWWFwNEpEdWtIVDZqYUxLQ2hNb2VVWDFUWDdiVUlxZUxLaTlrNHZEOHJucHlxMDlhX3F1ZjBTbW4weG4xdWpXSFd2NTJCNHlSXzJhM0dSV1RLNUZkN3Az?oc=5) · Arkansas Money &amp; Politics
- 2024-11-04 [Jentry Jones Hired as Senior VP at Generations Bank (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMinAFBVV95cUxPclRlN2cwR3hGcTl2RjVFa3lsbnJjWENoT1c4YW9CaXZyV1FDUy0zemU0N1I1ZVd0ZkUwaXdmSW8wSjRGNFYyUTVmZkhkeG5WQVN0U09uR1h3eFZXM1Q3Q0x2dXpMQVVoQnBGN0JrLTB0RmczTUxuQndaQTFoZkpIUWEwNmNiZ1hlQVNsOW8zakhtOWlaT3RBaDZzS1U?oc=5) · Arkansas Business
- 2024-09-17 [AMP’s 2024 Women in Banking - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiakFVX3lxTFBZdGMtdDF5aU93TU1wQWpqRjFBY2kwNE8zcUVCdVBEYWNHU1QxYjRGNm5DbHJvNVpfVDBrbWsxbUxXQ1p5Wld3VVZIQVZsWUI1bEc2dkFMcWVVUlZFQkhZQkhBb1dpSjNTZmc?oc=5) · Arkansas Money &amp; Politics
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2024-04-15 [Relyance Bank Set to Build Benton Office - Arkansas Business](https://news.google.com/rss/articles/CBMiigFBVV95cUxQNDJjYWdsRnBLSzZIRFVhSGNCSGNENXdLRkNhZjd4RkUxejZJMkk1bFNFVW93b05IajM5ZGRyLWttZGtWRXJDSm1WTkd0eHoxaURrSDNrZk9jc0RjQ2UwLUNYV2xYbXZRWE80VGZBQS14VTRCSWdfRjh1N0N6T3FCX0tqb1dlbFdJVkE?oc=5) · Arkansas Business
- 2018-06-18 [Duke Replaces Duke at Capital Bank - Arkansas Business](https://news.google.com/rss/articles/CBMiggFBVV95cUxOcGR3WXVMWUlZZkRocUVfdElsWkJmdzFVVFM2VVQ2S1Zoc0tfMDNmWXBocUFSQzhVZGZ2X3J6dnl6ZlBzbmVtRGFTSkx6RGdRUWxzS0ZXdW9IeUdWZXFqcDJJTUQzRUV2T1NIdEVBUXoxem8ycUNSRllRVkZoU3I2Z2VR?oc=5) · Arkansas Business

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8730 (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/26.json (key "8730", 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