What is Gate City Bank's financial health grade?

Gate City Bank has a TFS Financial Health Grade of D (score: 64.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Gate City Bank have?

Gate City Bank has 46 branch locations across the United States.

Is Gate City Bank FDIC insured?

Yes, Gate City Bank is FDIC insured (Certificate #27774).

What are the total assets of Gate City Bank?

Gate City Bank has total assets of $4.0B as reported in its most recent FDIC filing.

Gate City Bank

BankFargo, North Dakota

www.gatecity.bank

Total Assets

$4.0B

Total Deposits

$3.6B

Branches

Established

1923

TFS Health Grade

64.2 / 100

Below average financial health

How we grade

Gate City Bank is a bank headquartered in Fargo, North Dakota, established in 1923. With $4.0B in total assets and 46 branch locations, it has a TFS Financial Health Grade of D (64.2/100).

Capital & Safety

Tier 1 Capital Ratio

9.75%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

0.72%

Profitability

Return on Assets (ROA)

0.60%(1%)

Return on Equity (ROE)

6.77%(10%)

Net Interest Margin

3.44%

Efficiency Ratio

80.09%(60%)

Lending & Liquidity

Total Loans

$3.0B

Loan-to-Deposit Ratio

82.50%

Net Charge-Off Ratio

0.13%

Growth

Asset Growth (YoY)

+5.68%

Deposit Growth (YoY)

+8.80%

Net Income

$23.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Gate City BankHQ	500 2nd Ave N	Fargo	ND	11
Gate City Bank	1630 Broadway St	Alexandria	MN	11
Gate City Bank	19425 Evans Street Nw	Elk River	MN	11
Gate City Bank	428 W Lincoln Ave	Fergus Falls	MN	11
Gate City Bank	101 11th St S	Moorhead	MN	12
Gate City Bank	305 8th St S	Moorhead	MN	11
Gate City Bank	950 40th Ave S	Moorhead	MN	12
Gate City Bank	2929 20th St S	Moorhead	MN	11
Gate City Bank	1001 4th St Se	Saint Cloud	MN	12
Gate City Bank	110 1st St S	Sauk Rapids	MN	12
Gate City Bank	113 Waite Ave S	Waite Park	MN	11
Gate City Bank	3204 Yorktown Dr	Bismarck	ND	11
Gate City Bank	2710 State St	Bismarck	ND	11
Gate City Bank	304 E Rosser Ave	Bismarck	ND	11
Gate City Bank	1144 E Bismarck Expy	Bismarck	ND	12
Gate City Bank	1725 Golf Dr	Bismarck	ND	11
Gate City Bank	720 Main St	Carrington	ND	11
Gate City Bank	601 4th St Ne	Devils Lake	ND	11
Gate City Bank	204 Sims St	Dickinson	ND	11
Gate City Bank	1761 3rd Ave W	Dickinson	ND	12
Gate City Bank	3100 25th St S	Fargo	ND	11
Gate City Bank	3909 13th Ave S	Fargo	ND	11
Gate City Bank	1501 University Dr S	Fargo	ND	11
Gate City Bank	2501 Broadway N	Fargo	ND	11
Gate City Bank	4151 45th St S	Fargo	ND	12
Gate City Bank	1532 32nd Ave S	Fargo	ND	12
Gate City Bank	500 2nd Ave N	Fargo	ND	13
Gate City Bank	4101 13th Ave S	Fargo	ND	12
Gate City Bank	3800 51st Ave S	Fargo	ND	11
Gate City Bank	501 Demers Ave	Grand Forks	ND	11
Gate City Bank	2850 24th Ave S	Grand Forks	ND	11
Gate City Bank	3205 S Washington St	Grand Forks	ND	11
Gate City Bank	111 S Main St	Hettinger	ND	11
Gate City Bank	309 2nd Ave Sw	Jamestown	ND	11
Gate City Bank	405 E Main St	Mandan	ND	11
Gate City Bank	11 1st St Se	Mayville	ND	11
Gate City Bank	924 31st Ave Sw, Dakota Square	Minot	ND	11
Gate City Bank	1017 S Broadway	Minot	ND	11
Gate City Bank	101 Main St E	Mohall	ND	11
Gate City Bank	201 Briggs Ave S	Park River	ND	11
Gate City Bank	802 Dakota Ave	Wahpeton	ND	11
Gate City Bank	837 31st Ave E	West Fargo	ND	11
Gate City Bank	1119 9th St E	West Fargo	ND	11
Gate City Bank	2050 Sheyenne St	West Fargo	ND	12
Gate City Bank	300 11th St W	Williston	ND	11
Gate City Bank	422 Main St	Williston	ND	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.