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2201 Broadway Street
Oakland, CA 94612

Gateway Bank, F.S.B. is headquartered in Oakland and is the 134th largest bank in the state of California. It is also the 2,884th largest bank in the nation. It was established in 1990 and as of June of 2014, it had grown to 52 employees at 3 locations. Gateway Bank, F.S.B. has a C health rating.

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Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Gateway Bank, F.S.B. had $8.04 million in non-current loans and owned real-estate with $14.08 million in equity and loan loss allowances on hand to cover it. This gives Gateway Bank, F.S.B. a Texas Ratio of 57.08% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Gateway Bank, F.S.B. increased slightly from 26.54% as of June 30, 2013 to 57.08% as of June 30, 2014, resulting in a negative change of 115.09%. This indicates that the balance sheet and financial strength for Gateway Bank, F.S.B. has declined slightly in recent periods.

Deposit Growth


In the past year, Gateway Bank, F.S.B. has increased its total deposits by $11.38 million, resulting in 5.98% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Gateway Bank, F.S.B. has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Gateway Bank, F.S.B. has $214.42 million in assets with $14.08 million in equity, resulting in a capitalization level of 6.57%, which is below average.

Institution Statistics

FDIC Certificate #33103
Year Established1990
Primary RegulatorOCC
Assets and Liabilities
Assets$214.42 million
Loans$148.32 million
Deposits$201.73 million
Equity Capital$11.27 million
Loan Loss Allowance$2.81 million
Unbacked Noncurrent Loans$7.03 million
Real Estate Owned$1.00 million
Historic Data - June 2013
Assets$215.79 million
Equity Capital$16.31 million
Loan Loss Allowance$3.02 million
Unbacked Noncurrent Loans$7.03 million
Real Estate Owned$1.18 million
Profit Margin - Quarterly
Return on Assets-2.99%
Return on Equity-51.12%
Interest Income$3.90 million

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Gateway Bank, F.S.B. Locations
Oakland Hq2201 Broadway Street, Suite #404Oakland, CA 94612
360 Eighth Street Branch360 Eighth StreetOakland, CA 94607
Gateway Bank, F.S.B.919 Clement StreetSan Francisco, CA 94118