The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 5 points (76 → 71), mostly because the capital cushion component weakened by 19 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Minnesota

Yes. Gateway Bank is an FDIC-insured institution (FDIC certificate #57644). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.7% of deposits ($53.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.39%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.54% (benchmark: 10%).

Check how much of your own balance is covered

Gateway Bank lists 2 offices in 2 cities. Most locations:

• Edina, MN (1)
• Mendota Heights, MN (1)

All branch addresses and map

In 2025, Gateway Bank reported 30 home-loan applications under HMDA (LEI 549300K25LF5SIJKLD23): 27 originated ($9,975,000 total), 2 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Gateway Bank

Type

State-chartered bank

FDIC certificate #

57644

RSSD ID

3223417

Primary regulator

FDIC

Holding company

Pb Family Bancshares Inc

Established

January 20, 2004

Headquarters

745 Market St, Mendota Heights, MN 55118

Website

www.gateway.bank

Employees

32