Gateway Bank, F.S.B. (FDIC certificate #33103) is based in Oakland, California. Its Q2 2026 call report shows $288.2M in total assets and $204.1M in deposits and 2 offices.
Based on its Q2 2026 filing, Gateway Bank, F.S.B. scores 49/100, which we describe as below average. That is higher than only 6% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 107th. Its strongest component is capital cushion (88/100; 13.84%), and its lowest is earnings (5/100; -0.36%).
TellerScore · Q2 2026
Scorecard
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.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 12 points (37 → 49), mostly because the capital cushion component improved by 32 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 66 |
| Q4 2024 | 54 |
| Q1 2025 | 52 |
| Q2 2025 | 37 |
| Q3 2025 | 41 |
| Q4 2025 | 28 |
| Q1 2026 | 43 |
| Q2 2026 | 49 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.82% |
| Q3 2024 | 12.54% |
| Q4 2024 | 11.05% |
| Q1 2025 | 10.59% |
| Q2 2025 | 10.58% |
| Q3 2025 | 10.65% |
| Q4 2025 | 10.18% |
| Q1 2026 | 14.59% |
| Q2 2026 | 13.84% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.26% |
| Q3 2024 | 0.42% |
| Q4 2024 | 1.14% |
| Q1 2025 | 1.22% |
| Q2 2025 | 2.67% |
| Q3 2025 | 2.25% |
| Q4 2025 | 3.42% |
| Q1 2026 | 3.11% |
| Q2 2026 | 2.15% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -1.47% |
| Q3 2024 | -1.51% |
| Q4 2024 | -1.79% |
| Q1 2025 | -1.49% |
| Q2 2025 | -1.41% |
| Q3 2025 | -1.43% |
| Q4 2025 | -1.55% |
| Q1 2026 | -0.49% |
| Q2 2026 | -0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 49 | $288.2M | 13.84% | 2.15% | -0.36% | 119.5% |
| Q1 2026 | 43 | $286.5M | 14.59% | 3.11% | -0.49% | 113.8% |
| Q4 2025 | 28 | $260.5M | 10.18% | 3.42% | -1.55% | 104.7% |
| Q3 2025 | 41 | $233.0M | 10.65% | 2.25% | -1.43% | 85.2% |
| Q2 2025 | 37 | $246.2M | 10.58% | 2.67% | -1.41% | 81.9% |
| Q1 2025 | 52 | $257.6M | 10.59% | 1.22% | -1.49% | 80.5% |
| Q4 2024 | 54 | $256.1M | 11.05% | 1.14% | -1.79% | 81.9% |
| Q3 2024 | 66 | $249.6M | 12.54% | 0.42% | -1.51% | 74.5% |
| Q2 2024 | 70 | $221.7M | 13.82% | 0.26% | -1.47% | 88.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
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 California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mission National BankBank San Francisco, CA | 74 out of 100, Strong | $276.4M | 13.9% | 0.00% | vs |
| Monterey County BankBank Monterey, CA | 54 out of 100, Below average | $300.4M | 8.4% | 0.24% | vs |
| Bank IrvineBank Irvine, CA | 79 out of 100, Strong | $305.6M | 22.8% | 0.00% | vs |
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Summit BankBank Oakland, CA | 57 out of 100, Moderate | $264.4M | 16.4% | 1.48% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Gateway Bank, F.S.B.?
Yes. Gateway Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #33103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.2% of deposits ($31.1M) 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 13.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
Gateway Bank, F.S.B. lists 2 offices in 2 cities. Most locations:
- Oakland, CA (1)
- Walnut Creek, CA (1)
Identity & history
Profile
- Legal name
- Gateway Bank, F.S.B.
- Former names
- Gateway Bank, FSB
- Type
- Savings bank
- FDIC certificate #
- 33103
- RSSD ID
- 1493319
- Primary regulator
- OCC
- Established
- June 8, 1990
- Headquarters
- 388 9th St, Oakland, CA 94607
- Website
- www.gatewayfsb.com
- Employees
- 32
Quick answers
Gateway Bank, F.S.B.: common questions
Is Gateway Bank, F.S.B. FDIC insured?
Yes. Gateway Bank, F.S.B. is an FDIC-insured institution (FDIC certificate #33103). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gateway Bank, F.S.B.'s TellerScore?
49 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gateway Bank, F.S.B. ever failed?
There is no failure record for FDIC certificate #33103 in the FDIC failed bank list.
How many branches does Gateway Bank, F.S.B. have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oakland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |