Gateway Bank, F.S.B.
Oakland, CA
IDRSSD: 1493319
Total Assets
$260.47M
Latest filing
Total Deposits
$203.03M
Latest filing
Net Interest Margin
2.30%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Gateway Bank, F.S.B.
388 9th St
Oakland, CA 94607
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/08/1990FDIC Certificate 46337
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Gateway Bank, F.S.B. (Main) | 388 9th St | Oakland, CA |
| WALNUT CREEK BRANCH | 1850 Mt Diablo Blvd | Walnut Creek, CA |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 06/08/1990 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 94607 |
| State and County Number | 06001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 33 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 28 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/01/2025 |
| Date of Deposit Insurance | 06/08/1990 |
| Primary Insurance Agency | DIF |
| Website | www.gatewayfsb.com |
| Data Updated | 01/30/2026 |
| CERT | 33103 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $260.47M |
| Total Deposits | $203.03M |
| Total Liabilities | $238.38M |
| Total Equity Capital | $22.09M |
| Net Income | $-1,229,000 |
| Net Loans and Leases | $212.61M |
| Assets Per Employee ($Millions) | $10.02M |
| Bank Premises and Fixed Assets | $2.07M |
| Cash and Balances due from Depository Institutions | $10.78M |
| Deposits Held in Domestic Offices | $203.03M |
Key Performance Ratios
| Return on Assets (ROA) | -1.99% |
| Return on Equity (ROE) | -21.81% |
| Net Interest Margin | 2.3% |
| Efficiency Ratio | 197.37% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.481% |
| Earning Assets to total Assets | 95.83% |
Income and Expense
| Total Interest Income | $3.23M |
| Total Noninterest Income | $-102,000 |
| Total Interest Expense | $1.87M |
| Total Noninterest Expense | $2.48M |
| Net Interest Income | $1.36M |
| Pre-tax Net Operating Income | $-1,229,000 |
| Provision for Credit Losses | $8.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $33.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.35M |
| Total Liabilities and Capital | $260.47M |
Securities
| Securities | $27.84M |
| Available-for-sale debt securities | $27.84M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Gateway Bank, F.S.B.?
$260.47M as of the latest filing.
How much are Gateway Bank, F.S.B.'s total deposits?
$203.03M in total deposits.
Where is Gateway Bank, F.S.B. located?
Oakland, CA.
What is the Net Interest Margin?
2.30%.
How many domestic offices does it operate?
2.
When was it established?
06/08/1990.
What is the Return on Assets (ROA)?
-1.99%.
How much are total loans and leases?
$212.61M (latest filing).
What is the total interest income (latest filing)?
$3.23M.