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Gate City Bank
Fargo, ND · FDIC Certificate #27774 · Chartered 01/0
Total assets
$4.04B
Total deposits
$3.61B
Total equity
$373.70M
Net loans
$2.98B
Branches (offices)
46
Net income (YTD)
$17.01M
Rank: #330 of 4,213 U.S. banks by assets · #5 of 60 in North Dakota. Assets changed 7.8% and deposits 8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 9.30% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 9.24% |
| Tier 1 leverage ratio | 9.85% |
| Uninsured deposits (share of deposits) | 10.9% |
| Noncurrent loans (share of loans) | 0.69% |
| Net charge-offs (share of loans) | 0.16% |
| Loans to deposits | 82.5% |
| Real estate loans (share of loans) | 76.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.29B | 76.8% | |
| Commercial & industrial | $112.45M | 3.8% | |
| Consumer / individual | $599.16M | 20.1% | |
| Construction & development | $92.50M | 3.1% | |
| Agricultural | $481.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $3.25B | $2.94B | $8.18M | $288.15M |
| Jun 2023 | $3.44B | $2.87B | $7.80M | $302.14M |
| Jun 2024 | $3.60B | $3.09B | $4.96M | $317.03M |
| Jun 2025 | $3.75B | $3.33B | $9.12M | $339.73M |
| Jun 2026 | $4.04B | $3.61B | $17.01M | $373.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $3.34B | 36 |
| Minnesota | $267.37M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $3.61B.
Similar-sized banks
First Bank ($4.09B) · Spencer Savings Bank, Sla ($4.04B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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