🏦Bank Scorer

GATEWAY BANK, F.S.B.

OAKLAND, CA · Supervised by OTS

Est. 1990FDIC #33,103
Needs to Improve Down

Current rating · Exam: September 2009

CompareWatch

At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Needs Attention

ROA -0.49%

Is this bank safe?

GATEWAY BANK, F.S.B. received a Needs to Improve CRA rating (2009), shows financial metrics that merit closer review (ROA -0.49%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

388 9th St, OAKLAND, CA

County

Alameda County

Established

June 8, 1990

Total Assets

$287M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

September 8, 2009

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$287M

Total Deposits

$202M

Net Loans

$230M

Net Income

$-335K

ROA

-0.49%

Below avg for Small banks. Peer avg: 0.44%

ROE

-4.51%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-0.49%Peer avg: 0.44%▼ Below avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

2

Branch Deposits

$220M

1-Year Change

+1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20230——

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC
Exam DateRatingExam Type
Sep 2009Needs to ImproveIntermediate Small Bank
Apr 2006SatisfactorySmall Bank
May 2003SatisfactorySmall Bank

7 previous ratings locked — back to 1991

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/gateway-bank-f-s-b"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: