Gateway First Bank
Jenks, Oklahoma, Tulsa County
$2.1B in total assets, the 606th largest of 4,309 US banks and 11th of 171 headquartered in Oklahoma.
- FDIC certificate
- 15118
- Established
- 1935
- Owned by
- Gateway First Bcorp Inc
- Primary regulator
- FDIC
- Website
- www.gatewayfirst.com
At a glance
Compared with 20 banks headquartered in Oklahoma with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.1B | 70% | $1.6B | |
| Loans | $1.6B | 60% | $1.2B | |
| Deposits | $1.3B | 55% | $1.2B | |
| Return on assets | 0.96% | 15% | 1.41% | |
| Net interest margin | 3.24% | 15% | 3.99% | |
| Efficiency ratio | 74.7% | 90% | 59.5% | |
| Equity to assets | 13.68% | 90% | 10.13% | |
| Loans to deposits | 124% | 98% | 94% |
Growth
Total assets grew 0.7% a year over the last 5 years and 20.2% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Feb 2016 | The First National Bank of Nash Nash, OK | $17M |
| Aug 1996 | The Service Bank of Tonkawa Tonkawa, OK | $19M |
Where they operate
12 branches in 7 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Tulsa County, OK | $848M | 2.4% | 11 of 52 |
| Alfalfa County, OK | $160M | 49.6% | 1 of 6 |
| Oklahoma County, OK | $156M | 0.3% | 36 of 60 |
| Washington County, OK | $70M | 6.7% | 3 of 10 |
| Kay County, OK | $31M | 2.4% | 7 of 8 |
| Grant County, OK | $23M | 10.0% | 5 of 5 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 7 branches since 2016 (5 to 12, +140.0%). 7 opened, 1 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 5 | |||
| 2016 | Acquired The First National Bank of Nash | 1 | 0 | +1 | 6 |
| 2019 | Opened 3 in 2 states | 3 | 0 | +3 | 9 |
| 2021 | Opened Jenks and Oklahoma City | 2 | 0 | +2 | 11 |
| 2023 | Opened Tulsa | 1 | 0 | +1 | 12 |
| 2024 | Opened BartlesvilleClosed Wakita | 1 | 1 | 0 | 12 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 46% | 18% | |
| Commercial real estate | 22% | 37% | |
| Construction and land | 15% | 12% | |
| Business (C&I) | 8% | 18% | |
| Multifamily | 4% | 3% | |
| Agricultural | 2% | 2% | |
| Farmland | 2% | 3% | |
| Consumer | 0% | 5% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 37% | 23% | |
| Other interest-bearing | 32% | 52% | |
| Noninterest-bearing | 31% | 25% |
Brokered deposits are 20.2% of deposits (peers 6.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 4.30% | 0.55% |
| Net charge-offs, annualized | 0.02% | 0.03% |
| Reserves to loans | 0.74% | 1.19% |
| Leverage ratio | 14.14% | 10.30% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oklahoma
Largest competitors in Tulsa County, OK
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/gateway-first