Gateway Commercial Bank (FDIC certificate #58678) is based in Mesa, Arizona. Its Q2 2026 call report shows $231.4M in total assets and $190.7M in deposits and 1 office.
Based on its Q2 2026 filing, Gateway Commercial Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 12 banks headquartered in Arizona, it ranks 5th. Its strongest component is problem-loan coverage (86/100; 6.8%), and its lowest is funding & liquidity (55/100; 79% loans-to-deposits, 39% uninsured).
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 fell 15 points (83 → 68), mostly because the loan quality component weakened by 41 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 79 |
| Q4 2024 | 77 |
| Q1 2025 | 81 |
| Q2 2025 | 83 |
| Q3 2025 | 83 |
| Q4 2025 | 67 |
| Q1 2026 | 67 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.27% |
| Q3 2024 | 13.29% |
| Q4 2024 | 12.55% |
| Q1 2025 | 13.00% |
| Q2 2025 | 13.10% |
| Q3 2025 | 13.08% |
| Q4 2025 | 12.14% |
| Q1 2026 | 11.53% |
| Q2 2026 | 12.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.24% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.75% |
| Q4 2024 | 0.86% |
| Q1 2025 | 1.12% |
| Q2 2025 | 1.25% |
| Q3 2025 | 1.31% |
| Q4 2025 | 1.16% |
| Q1 2026 | 1.48% |
| Q2 2026 | 1.44% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $231.4M | 12.00% | 1.24% | 1.44% | 78.5% |
| Q1 2026 | 67 | $246.6M | 11.53% | 1.25% | 1.48% | 73.3% |
| Q4 2025 | 67 | $227.9M | 12.14% | 1.29% | 1.16% | 76.5% |
| Q3 2025 | 83 | $225.2M | 13.08% | 0.00% | 1.31% | 76.8% |
| Q2 2025 | 83 | $212.5M | 13.10% | 0.00% | 1.25% | 78.2% |
| Q1 2025 | 81 | $214.3M | 13.00% | 0.00% | 1.12% | 73.9% |
| Q4 2024 | 77 | $208.7M | 12.55% | 0.00% | 0.86% | 77.2% |
| Q3 2024 | 79 | $203.5M | 13.29% | 0.00% | 0.75% | 78.6% |
| Q2 2024 | 79 | $199.8M | 13.27% | 0.00% | 0.72% | 71.9% |
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 Arizona
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Integro BankBank Phoenix, AZ | 25 out of 100, Low | $195.6M | 9.9% | 3.71% | vs |
| Mission BankBank Kingman, AZ | 70 out of 100, Strong | $185.1M | 9.4% | 0.00% | vs |
| Zenith Bank & TrustBank Scottsdale, AZ | 76 out of 100, Strong | $133.0M | 17.9% | 0.00% | vs |
| Scottsdale Community BankBank Scottsdale, AZ | 38 out of 100, Low | $125.2M | 11.4% | 2.68% | vs |
| Gainey Business BankBank Scottsdale, AZ | 67 out of 100, Moderate | $106.6M | 12.9% | 0.07% | vs |
| Goldwater Bank, N.A.Bank Phoenix, AZ | 35 out of 100, Low | $551.9M | 11.1% | 4.14% | vs |
Deposit insurance
Is my money safe at Gateway Commercial Bank?
Yes. Gateway Commercial Bank is an FDIC-insured institution (FDIC certificate #58678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.3% of deposits ($75.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.00%, 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%).
1 location
Branches
Gateway Commercial Bank lists 1 office in 1 city. Most locations:
- Mesa, AZ (1)
Identity & history
Profile
- Legal name
- Gateway Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58678
- RSSD ID
- 3667132
- Primary regulator
- FDIC
- Established
- December 3, 2007
- Headquarters
- 6860 E Warner Rd, Mesa, AZ 85212
- Website
- www.gcbaz.com
- Employees
- 18
Quick answers
Gateway Commercial Bank: common questions
Is Gateway Commercial Bank FDIC insured?
Yes. Gateway Commercial Bank is an FDIC-insured institution (FDIC certificate #58678). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gateway Commercial Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gateway Commercial Bank ever failed?
There is no failure record for FDIC certificate #58678 in the FDIC failed bank list.
How many branches does Gateway Commercial Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Mesa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT | 89 out of 100, Very strong | $32.6M | 14.5% | 0.87% | vs |
| Em Federal Credit UnionCredit union Mesa, AZ | 86 out of 100, Very strong | $11.7M | 15.7% | 0.24% | vs |
| Desert Financial Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $9.9B | 12.1% | 0.47% | vs |
| Banner Federal Credit UnionCredit union Phoenix, AZ | 80 out of 100, Strong | $65.2M | 13.5% | 0.70% | vs |
| Beal Bank USABank Las Vegas, NV | 80 out of 100, Strong | $11.0B | 21.9% | 0.78% | vs |
| Florida West Coast Credit UnionCredit union Brandon, FL | 79 out of 100, Strong | $144.2M | 12.0% | 0.25% | vs |