Gateway Bank FSB

Name

Gateway Bank FSB

Legal name

Gateway Bank, F.S.B.

Website

https://gatewayfsb.com

Company type

Public

Founded year

1990

Operating status

Operating

Headcount range

51–100 employees

Short description

Gateway Bank FSB is a federally chartered, FDIC-insured community savings bank based in Oakland, California, serving Bay Area small businesses and individual consumers with personal and commercial deposit products, commercial real estate loans, and digital cash management services through two branches.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (522180), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Digital Banking & Neobank Platforms (BPAMAFAD)

akta.pro secondary industries

Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB), Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

Keywords

• Community banking services
• Commercial real estate lending
• Personal banking products
• Cash management solutions
• Mobile banking services

Headquarters

HQ city

Oakland

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income from Loans: Gateway Bank generates revenue primarily through interest income on commercial loans, business loans, and other credit products. The bank offers commercial loans for multi-unit properties and commercial buildings, with loan portfolio management capabilities.
2. Deposit Fee Income: Revenue from various banking fees including account maintenance, transaction fees, and service charges on checking, savings, and money market accounts.
3. Certificate of Deposit Interest Spreads: The bank offers CDs with terms from 30 days to 5 years, generating spread income between the interest paid to depositors and interest earned on investments.
4. Commercial Banking Services: Cash management services, wire transfers, ACH services, and merchant services generating fee income from business customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Gateway Bank FSB is a community-focused federal savings bank that provides personal banking products (checking, savings, CDs, IRAs) and commercial banking products (business checking, savings, commercial real estate loans, and cash management solutions). The bank serves individual consumers and small-to-medium businesses in the San Francisco Bay Area through two physical branches (Oakland and Walnut Creek) and a digital banking platform accessible via web and mobile applications. All deposits are FDIC insured, and the bank offers surcharge-free ATM access through the MoneyPass network and person-to-person payments via Zelle.

Product overview

Gateway Bank FSB is a community-focused financial institution offering a comprehensive banking platform with both consumer and commercial products. The core offering consists of personal banking (checking, savings, CDs, IRAs) and commercial banking (business checking, commercial loans, cash management). The digital banking platform integrates with Zelle for payments, MoneyPass for ATM access, and provides ancillary services including fraud protection, merchant services, and mobile banking. The bank operates primarily in the San Francisco Bay Area with offices in Oakland and Walnut Creek, California.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Checking accounts for individual consumers, including Regular Checking and Interest Checking options, with ATM cards, monthly statements, 24-hour phone and online banking access, and free bill payment services.
• Personal Savings Accounts Statement savings product for individual consumers, offering competitive interest rates with ATM and online banking access and FDIC insurance protection.
• Certificate of Deposits (CDs) Time deposit accounts with fixed interest rates for individual customers, available for terms ranging from 30 days to 5 years, FDIC insured up to maximum allowed by law, with auto-renewal and a 10-day grace period at renewal.
• Individual Retirement Accounts (IRAs) Retirement savings products for individuals, including Traditional IRA (tax-deductible contributions, tax-deferred earnings), Roth IRA (after-tax contributions, tax-free qualified withdrawals), and 12-month IRA CDs with competitive rates, FDIC insured up to maximum allowed by law.
• Business & Commercial Checking Business checking accounts for commercial customers, including Business Checking (unlimited check writing with competitive rates), Business Interest Checking (interest-bearing), and Business Money Market Account with tiered interest rates, all FDIC insured.
• Business Savings & Certificate of Deposit Accounts Business savings and certificate of deposit accounts for commercial customers, including Statement Business Savings ($500 minimum opening deposit and daily balance to avoid fees, competitive interest rates) and Business CDs with flexible terms and competitive rates, all FDIC insured.
• Cash Management Business Solutions A bundled cash management suite for business banking customers, including Business Online Banking, Mobile Banking, Remote Deposit Capture, ACH Origination, ACH Tax Payments, Wire Transfers, Positive Pay, Stop Payments, Merchant Services (via Mona Solutions partnership), and Zelle integration.
• Commercial Loans Commercial lending products for business owners, real estate investors, and commercial enterprises, including lines of credit, real estate financing, and term loans for multi-unit properties and commercial buildings, with low rates, long terms, and fixed or variable rate options.
• Online & Mobile Banking Platform Secure digital banking platform available 24/7 to personal and business customers via web (gatewayfsb.onlinebank.com) and iOS/Android mobile apps, enabling real-time account access, funds transfer between accounts, bill payment, stop payments, mobile check deposit, multi-factor authentication, Zelle money transfers, and account alerts.

Quantifiable outcome

• 24% loan growth year-over-year (Q1 2026)

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core.

• MoneyPasscoreTechnology or IntegrationGateway Bank is a member of the MoneyPass network, providing customers with surcharge-free ATM withdrawals at thousands of locations nationwide. This partnership extends the bank's physical service footprint beyond its limited Bay Area branch locations.
• ZellecoreTechnology or IntegrationGateway Bank offers Zelle for fast, safe, and easy money transfers. Customers can send and receive money in minutes with no fees. Zelle is widely accepted and integrated into the bank's online and mobile banking platforms.
• NACHAcoreTechnology or IntegrationGateway Bank's ACH services operate through the NACHA network, the Automated Clearing House network that processes electronic funds transfers. The bank complies with NACHA rules for ACH origination, tax payments, and other electronic payment services.
• App Store (Apple)coreChannel Partner/ Reseller/ DistributorGateway Bank's mobile banking app is distributed through the Apple App Store for iOS devices, enabling customers to download and install the banking application on iPhones and iPads.
• Google Play StorecoreChannel Partner/ Reseller/ DistributorGateway Bank's mobile banking app is distributed through the Google Play Store for Android devices, enabling customers to download and install the banking application on Android smartphones and tablets.
• Merchant Services Provider (Mona Solutions)coreTechnology or IntegrationGateway Bank partners with Mona Solutions to provide merchant services enabling seamless credit card and mobile payment solutions for business customers. This partnership supports the bank's cash management business solutions.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Preferred Bank: Preferred Bank is a Los Angeles-based community bank serving SMB and CRE lending markets in California. Comparable commercial-focused lending model, deposit franchise composition, and SMB cash management offering to Gateway Bank FSB.
• Bank of Marin Bancorp: Bank of Marin is a publicly traded community bank headquartered in Novato serving the San Francisco Bay Area and Northern California. Both institutions serve overlapping SMB, CRE, and consumer banking customers in the Bay Area with a relationship-driven community banking model.
• Tri Counties Bank: Tri Counties Bank is a Northern California community bank owned by TriCo Bancshares offering commercial loans, deposits, and cash management to SMBs and consumers. Closely comparable regional community-banking franchise with similar product breadth and relationship-led GTM.
• Heritage Commerce Corp: Heritage Bank of Commerce is an East Bay-headquartered community bank serving SMB and CRE customers across the Bay Area. Directly comparable footprint, customer mix (SMB + CRE), and balance-sheet size relative to Gateway Bank FSB.
• Mei Savings Bank: Mei Savings Bank is a federally chartered Asian-American focused community savings bank. Highly relevant comparable as a similarly structured FSB with overlapping community banking identity, deposit products, and small-balance-sheet scale.
• First Northern Bank of Dixon: First Northern Bank is a community bank operating branches across Northern California including the greater Bay Area, focused on SMB banking, CRE, and consumer deposits. Most directly comparable by footprint, balance sheet scale, and product mix.

Others

• Live Oak Bancshares: Live Oak Bank is a digitally-led, small-business-focused commercial bank. Provides a relevant comparison point for digital banking platform investments, SMB cash management tooling, and public-company governance structure relative to a community savings bank with growing digital ambitions like Gateway Bank FSB.

Broad incumbents

• East West Bank: East West Bank is a large federally chartered bank with deep roots in the Asian-American community in California, including significant Oakland Chinatown presence. Directly relevant as a larger incumbent with overlapping community identity and similar SMB/commercial banking products.
• CVB Financial Corp (Citizens Business Bank): CVB Financial is a larger California community bank (Citizens Business Bank) with a broad commercial banking franchise including CRE, SBA, and treasury management. Provides a scale benchmark for Gateway Bank's commercial banking product strategy and SMB cash management positioning.

Regional players

• Pacific City Financial Corp (Pacific City Bank): Pacific City Bank is a California-chartered community bank with a strong Korean-American SMB focus across Southern California. Comparable federally-insured community bank profile, comparable target customer base (ethnic community SMBs), and comparable commercial lending and cash management product set.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/gatewaybankfsb
• Facebookfacebook.com/Gateway-Bank-FSB-113223180111439
• LinkedInlinkedin.com/company/gateway-bank
• Instagraminstagram.com/gatewayfsb

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles17 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gateway Bank FSB