FDIC Cert #15118 · Jenks, Oklahoma · Est. 1935

Gateway First Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$2.0B
Total assets
C
Health grade · Fair
0.51%
Return on assets
13.9%
Tier 1 capital

Data updated July 2026

The verdict

Gateway First Bank earns a PlainBankData health grade of C (59/100), with well-capitalized at 13.91% Tier 1, 0.51% ROA, 89% efficiency ratio.

#602
largest of 4,313 FDIC banks by assets
86th
percentile by asset size, nationally
13.91%
Tier 1 ratio - above the 10% well-capitalized line
16th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 15118 · OK C · 59/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (59/100)
  • LOWER-Q #3867/4307
  • PHOTO-FINISH Apple Bank · NY
  • TIER1-WELL 13.9% Tier 1
  • TEXAS-HEALTHY 25.7% Texas
  • ROA-THIN 0.51% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: Apple Bank, NY (±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 First Bank

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

Morgan Stanley Bank,… · UT ·…100/100Apple Bank · NY · near59/100Bangor Savings Bank · ME · n…59/100Bank of Sun Prairie · WI · n…59/100Gateway First Bank · OK · th…59/100The Farmers State Ba… · KS ·…59/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Gateway First Bank · July 2026

What Gateway First Bank's Call Report plate shows

Gateway First Bank (FDIC Cert #15118) carries a PlainBankData health grade of C at 59/100, 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 #3,867 of 4,307. Tier 1 capital prints at 13.91%, clearing the 10% well-capitalized line. The Texas Ratio is 25.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.51%. Balance-sheet scale is $2.0B, 602nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Apple Bank (NY), 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 First Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

Gateway First Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Gateway First Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

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

How Gateway First Bank's 59/100 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 avg77/10059/100
Gateway First Bank's composite health score
Tier 1 Capital Ratio (13.91%) 35/40
Return on Assets (ROA) (0.51%) 14/25
Texas Ratio (25.69%) 10/20
Efficiency Ratio (88.52%) 0/15

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

Balance sheet at a glance

Total Assets

$2.0B

Total balance-sheet footings

Total Deposits

$1.2B

Customer-funded liabilities

Net Loans

$1.5B

Outstanding loan book

Net Income

$10M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.51% 13.91% 15.31%
Basel III capital ratios - Gateway First Bank

Where Gateway First Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Gateway First Bank's score of 59/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

59 10th percentile higher than 10% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Gateway First 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 First 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 First Bank's $2.0B falls in the highlighted band.

Safety ratios for Gateway First Bank

Tier 1 capital ratio
Well-capitalized 10%

13.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.91%
Texas Ratio
25.69%
Equity Capital
$269M

What these ratios mean →

Profitability metrics: Gateway First Bank

Return on Assets (ROA)
16th percentile nationally
0.51%
Return on Equity (ROE)
3.78%
Efficiency Ratio
88.52%

What these mean →

Income & expense at Gateway First Bank

$102M
Interest Income
$67M
Non-Interest Income
$110M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Gateway First Bank reports a Texas Ratio of 25.69% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

25.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($2.0B here), outside Oklahoma so the neighborhood is not state containment.

Timberland Bank $2.0B · WA Commonwealth Business Bank $2.0B · CA Yakima Federal Savings and Loan Assoc… $2.0B · WA Tri City National Bank $2.0B · WI

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Gateway First Bank (FDIC Cert #15118) - 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 First Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
BOKF, National AssociationTulsa $52.0B A 1.10%
MidFirst BankOklahoma City $41.4B B 1.19%
First United Bank and Trust CompanyDurant $16.3B B 0.97%
BancFirstOklahoma City $12.1B A 1.79%
InterBankOklahoma City $5.5B B 3.60%
Stride Bank, National AssociationEnid $4.9B A 2.10%
RCB BankClaremore $4.1B A 1.32%
First Fidelity BankOklahoma City $2.9B B 0.94%