Total Assets
$260M
Total balance-sheet footings
FDIC Cert #33103 · Oakland, California · Est. 1990
Gateway Bank, F.S.B. - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $260M
- Total assets
- D
- Health grade · Weak
- -1.55%
- Return on assets
- 10.2%
- Tier 1 capital
Data updated July 2026
The verdict
Gateway Bank, F.S.B. earns a PlainBankData health grade of D (38/100), with well-capitalized at 10.18% Tier 1, -1.55% ROA, 179% efficiency ratio.
- #2,689
- largest of 4,313 FDIC banks by assets
- 38th
- percentile by asset size, nationally
- 10.18%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How Gateway Bank, F.S.B.'s 38/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Gateway Bank, F.S.B.'s composite health score
Tier 1 Capital Ratio (10.18%) 28/40
Return on Assets (ROA) (-1.55%) 0/25
Texas Ratio (29.87%) 10/20
Efficiency Ratio (179.06%) 0/15
38 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$203M
Customer-funded liabilities
Net Loans
$213M
Outstanding loan book
Net Income
$-3,885K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Gateway Bank, F.S.B. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gateway Bank, F.S.B.'s score of 38/100 falls in the highlighted band.
Gateway Bank, F.S.B.'s size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Gateway Bank, F.S.B.'s $260M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.18% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.18%
Texas Ratio
29.87%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-1.55%
Return on Equity (ROE)
-16.58%
Efficiency Ratio
179.06%
What the numbers say about Gateway Bank, F.S.B.
Gateway Bank, F.S.B. is an FDIC-insured institution (Certificate #33103) headquartered in Oakland, California, established in 1990. It holds $260M in total assets - 2,689th of 4,313 FDIC-insured banks, $203M in customer deposits, and $213M in net loans. Capital-wise, the Tier 1 ratio sits at 10.18%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 29.87%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of D (38 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Gateway Bank, F.S.B. sits 101st of 121 banks headquartered in California by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$13M
Interest Income
$-45K
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Gateway Bank, F.S.B. reports a Texas Ratio of 29.87% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
29.87% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Gateway Bank, F.S.B.
Gateway Bank, F.S.B.'s grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-3,885K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Gateway Bank, F.S.B. up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in California by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gateway Bank, F.S.B. (FDIC Cert #33103) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in California
All California banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| City National BankLos Angeles | $98.4B | A | 0.95% |
| East West BankPasadena | $79.7B | A | 1.72% |
| Banc of CaliforniaLos Angeles | $34.7B | B | 0.78% |
| Axos BankSan Diego | $27.2B | A | 1.77% |
| Cathay BankLos Angeles | $24.2B | A | 1.38% |
| Mechanics BankWalnut Creek | $22.4B | A | 1.44% |
| Bank of HopeLos Angeles | $18.5B | B | 0.42% |
| Citizens Business Bank, National AssociationOntario | $15.6B | A | 1.39% |
Frequently asked questions
What is Gateway Bank, F.S.B.'s health grade?▼
Gateway Bank, F.S.B. receives a health grade of D (38/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows notable financial weaknesses. Your deposits remain FDIC-insured up to $250,000.
How large is Gateway Bank, F.S.B.?▼
Gateway Bank, F.S.B. holds $260M in total assets and $203M in deposits, ranking 2,689th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oakland, California.
Is my money safe at Gateway Bank, F.S.B.?▼
Yes, deposits at Gateway Bank, F.S.B. (Certificate #33103) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Gateway Bank, F.S.B.'s Tier 1 Capital Ratio?▼
Gateway Bank, F.S.B. has a Tier 1 Capital Ratio of 10.18%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Gateway Bank, F.S.B.?▼
Gateway Bank, F.S.B. has a Texas Ratio of 29.87%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Gateway Bank, F.S.B.?▼
Gateway Bank, F.S.B. has an Efficiency Ratio of 179.06%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Gateway Bank, F.S.B.'s profile as a depositor or analyst.
- Gateway Bank, F.S.B.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Gateway Bank, F.S.B. against other California banks before moving funds. California banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.