Gateway First Bank (FDIC #15118): Bank Stress & Real-Estate Credit Exposure

Gateway First Bank (FDIC Cert #15118): bank stress 51/100, moderate, STABLE over 7 days; parent GATEWAY FIRST BCORP INC.

Gateway First Bank (#15118) lends in 6 counties across 1 state; Gateway First Bank (#15118) reaches 138 ZIP codes: Oklahoma 6 counties, 138 ZIPs.

Gateway First Bank (#15118) largest markets: Oklahoma County, OK (55 branches, 55 ZIPs) (#15118), Tulsa County, OK (172 branches, 43 ZIPs) (#15118), Alfalfa County, OK (26 branches, 13 ZIPs) (#15118), Washington County, OK (12 branches, 12 ZIPs) (#15118), Grant County, OK (10 branches, 10 ZIPs) (#15118), Kay County, OK (20 branches, 10 ZIPs) (#15118).

Gateway First Bank (#15118) reports $2.06 billion in total assets; Gateway First Bank (#15118) equity $282.1 million (13.7% of Gateway First Bank (#15118) assets); Gateway First Bank (#15118) domestic deposits $1.29 billion; Gateway First Bank (#15118) net income $13.5 million; Gateway First Bank (#15118) return on assets 1.33%; Gateway First Bank (#15118) return on equity 9.77%; Gateway First Bank (#15118) net interest income $29.5 million; Gateway First Bank (#15118) call report June 30, 2026.

Gateway First Bank (#15118) noncurrent real-estate loans: none reported; Gateway First Bank (#15118) net charge-offs on real estate 4.65%; Gateway First Bank (#15118) residential charge-offs 6.21%.

Gateway First Bank (#15118) net interest margin 3.24% against an eight-quarter Gateway First Bank (#15118) average of 3.20% (Gateway First Bank (#15118) compression -0.04 points); Gateway First Bank (#15118) real-estate loans 0.1% of equity; Gateway First Bank (#15118) non-residential real estate 620.7% of equity; Gateway First Bank (#15118) rate-exposure score 40/100, Gateway First Bank (#15118) fixed-rate trap 40/100; Gateway First Bank (#15118) risk type credit driven; Gateway First Bank (#15118) rate regime rates elevated, Gateway First Bank (#15118) snapshot October 20, 2026.

Gateway First Bank (#15118) stress score moved from 45 on June 22, 2026 to 51 on October 20, 2026; Gateway First Bank (#15118) ranged 45 to 51 over 117 snapshots.

Gateway First Bank (#15118) alerts: 6 counties; top Gateway First Bank (#15118) alert scores: Tulsa County, OK 35 (low); Bartlesville County, OK 18 (low); Helena County, OK 18 (low); Nash County, OK 18 (low); Oklahoma City County, OK 18 (low).