FDIC Cert #58678 · Mesa, Arizona · Est. 2007

Gateway Commercial Bank - FDIC Bank Health Profile

A community-scale look at Gateway Commercial Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$228M
Total assets
A
Health grade · Excellent
1.16%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Gateway Commercial Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.14% Tier 1, profitable at 1.16% ROA, efficient (50% cost ratio).

#2,860
largest of 4,313 FDIC banks by assets
34th
percentile by asset size, nationally
12.14%
Tier 1 ratio - above the 10% well-capitalized line
54th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 58678 · AZ A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1664/4307
  • PHOTO-FINISH Parkside Financial B… · MO
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 7.3% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Arizona: Parkside Financial Bank & Trust, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Gateway Commercial Bank

Lowest and highest poles plus nearest scored peers outside Arizona, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Commencement Bank · WA · near83/100First FarmBank · CO · near83/100Gateway Commercial B… · AZ ·…83/100Lone Star Bank · TX · near83/100Parkside Financial B… · MO ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gateway Commercial Bank · July 2026

Call Report read for Gateway Commercial Bank in a high-failure state

Gateway Commercial Bank (FDIC Cert #58678) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,664 of 4,307. Tier 1 capital prints at 12.14%, clearing the 10% well-capitalized line. The Texas Ratio is 7.35%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $228M, 2,860th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Parkside Financial Bank & Trust (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Gateway Commercial Bank

16 FAILURE resolutions in Arizona since 2000, heavy vs the state corpus

Gateway Commercial Bank sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2013). The list below is state history from the Failed Bank List, not a claim about Gateway Commercial Bank's current Call Report.

  • SUNRISE BANK OF ARIZONA PHOENIX, AZ 2013 → FIRST FIDELITY BANK, NATIONAL ASSOCIATION
  • CENTRAL ARIZONA BANK SCOTTSDALE, AZ 2013 → WESTERN STATE BANK
  • GOLD CANYON BANK GOLD CANYON, AZ 2013 → FIRST SCOTTSDALE, NATIONAL ASSOCIATION

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Arizona banks.

How Gateway Commercial Bank's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
Gateway Commercial Bank's composite health score
Tier 1 Capital Ratio (12.14%) 35/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (7.35%) 16/20
Efficiency Ratio (50.15%) 12/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$228M

Total balance-sheet footings

Total Deposits

$192M

Customer-funded liabilities

Net Loans

$147M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.74% 12.14% 13.54%
Basel III capital ratios - Gateway Commercial Bank

Where Gateway Commercial Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gateway Commercial Bank's score of 83/100 falls in the highlighted band.

Gateway Commercial Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 39% higher than 61% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gateway Commercial Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Gateway Commercial Bank'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 Commercial Bank's $228M falls in the highlighted band.

Capital & credit buffers at Gateway Commercial Bank

Tier 1 capital ratio
Well-capitalized 10%

12.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.14%
Texas Ratio
7.35%
Equity Capital
$24M

What these ratios mean →

Earnings posture at Gateway Commercial Bank

Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
10.84%
Efficiency Ratio
50.15%

What these mean →

Income & expense at Gateway Commercial Bank

$11M
Interest Income
$280K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gateway Commercial Bank reports a Texas Ratio of 7.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Gateway Commercial Bank on FDIC BankFind →

Top banks in Arizona by total assets

Largest banks headquartered in Arizona
  1. 1
    USAA Federal Savings Bank $108.0B

    Phoenix, AZ · Grade B

  2. 2
    Western Alliance Bank $92.7B

    Phoenix, AZ · Grade B

  3. 3
    BNC National Bank $1.1B

    Glendale, AZ · Grade B

  4. 4
    Southwest Heritage Bank $894M

    Scottsdale, AZ · Grade B

  5. 5
    1st Bank Yuma $553M

    Yuma, AZ · Grade F

Top 5 banks in Arizona ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($228M here), outside Arizona so the neighborhood is not state containment.

Cendera Bank $228M · TX First Peoples Bank of Tennessee $228M · TN Unity National Bank of Houston $228M · TX The Bank of Charlotte County $228M · VA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gateway Commercial Bank (FDIC Cert #58678) - 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.

Gateway Commercial Bank Call Report profile · FDIC Failed Bank List · Arizona FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Arizona

All Arizona banks →
BankAssetsGradeROA
USAA Federal Savings BankPhoenix $108.0B B 0.40%
Western Alliance BankPhoenix $92.7B B 1.10%
BNC National BankGlendale $1.1B B 1.00%
Southwest Heritage BankScottsdale $894M B 0.98%
1st Bank YumaYuma $553M F 1.81%
Goldwater Bank, N.A.Phoenix $515M C 0.85%
Mission BankKingman $186M B 0.37%
Integro BankPhoenix $178M B 1.90%