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2201 Broadway Street
Oakland, CA 94612

Gateway Bank, F.S.B. is headquartered in Oakland and is the 135th largest bank in the state of California. It is also the 2,856th largest bank in the nation. It was established in 1990 and as of March of 2014, it had grown to 51 employees at 3 locations. Gateway Bank, F.S.B. has a C health rating.

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Data for Q1 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 March 31, 2014 Gateway Bank, F.S.B. had $6.63 million in non-current loans and owned real-estate with $15.61 million in equity and loan loss allowances on hand to cover it. This gives Gateway Bank, F.S.B. a Texas Ratio of 42.47% which is 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. experienced no significant changes from 44.28% as of March 31, 2013 to 42.47% as of March 31, 2014, resulting in a positive change of 4.08%.This indicates that the balance sheet and financial strength for Gateway Bank, F.S.B. has had no significant changes in recent periods.

Deposit Growth


In the past year, Gateway Bank, F.S.B. has decreased its total deposits by -$15.85 million, resulting in -7.21% 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 below average.



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 $217.84 million in assets with $15.61 million in equity, resulting in a capitalization level of 7.17%, which is below average.

Institution Statistics

FDIC Certificate #33103
Year Established1990
Primary RegulatorOCC
Assets and Liabilities
Assets$217.84 million
Loans$122.23 million
Deposits$204.14 million
Equity Capital$12.75 million
Loan Loss Allowance$2.86 million
Unbacked Noncurrent Loans$5.93 million
Real Estate Owned$704,000
Historic Data - March 2013
Assets$232.26 million
Equity Capital$10.25 million
Loan Loss Allowance$3.04 million
Unbacked Noncurrent Loans$5.93 million
Real Estate Owned$1.30 million
Profit Margin - Quarterly
Net Interest Margin3.1%
Return on Assets-2.61%
Return on Equity-42.35%
Interest Income$1.78 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