Gate City Bank (FDIC certificate #27774) is based in Fargo, North Dakota. Its Q2 2026 call report shows $4.0B in total assets and $3.6B in deposits and 46 offices across 2 states.
Gate City Bank has a TellerScore of 65 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 897 banks with $1 billion – $10 billion. Among 60 banks headquartered in North Dakota, it ranks 41st. Problem-loan coverage contributes the most (89/100, 5.5%); capital cushion contributes the least (48/100, 9.85%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 5 points (60 → 65), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 58 |
| Q4 2024 | 58 |
| Q1 2025 | 59 |
| Q2 2025 | 60 |
| Q3 2025 | 62 |
| Q4 2025 | 63 |
| Q1 2026 | 65 |
| Q2 2026 | 65 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.66% |
| Q3 2024 | 9.58% |
| Q4 2024 | 9.49% |
| Q1 2025 | 9.51% |
| Q2 2025 | 9.65% |
| Q3 2025 | 9.79% |
| Q4 2025 | 9.75% |
| Q1 2026 | 9.82% |
| Q2 2026 | 9.85% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.67% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.79% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.72% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.72% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.28% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.32% |
| Q1 2025 | 0.44% |
| Q2 2025 | 0.48% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.85% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 65 | $4.0B | 9.85% | 0.69% | 0.85% | 82.5% |
| Q1 2026 | 65 | $4.0B | 9.82% | 0.72% | 0.82% | 81.3% |
| Q4 2025 | 63 | $4.0B | 9.75% | 0.72% | 0.60% | 82.5% |
| Q3 2025 | 62 | $3.8B | 9.79% | 0.72% | 0.56% | 86.0% |
| Q2 2025 | 60 | $3.8B | 9.65% | 0.72% | 0.48% | 88.4% |
| Q1 2025 | 59 | $3.8B | 9.51% | 0.78% | 0.44% | 85.2% |
| Q4 2024 | 58 | $3.8B | 9.49% | 0.79% | 0.32% | 88.0% |
| Q3 2024 | 58 | $3.7B | 9.58% | 0.71% | 0.27% | 90.9% |
| Q2 2024 | 59 | $3.6B | 9.66% | 0.67% | 0.28% | 92.8% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in North Dakota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bravera BankBank Dickinson, ND | 67 out of 100, Moderate | $3.8B | 9.7% | 0.90% | vs |
| Alerus Financial, National AssociationBank Grand Forks, ND | 70 out of 100, Strong | $5.3B | 9.3% | 0.26% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |
| First Western Bank & TrustBank Minot, ND | 55 out of 100, Moderate | $2.4B | 9.6% | 1.42% | vs |
| Starion BankBank Bismarck, ND | 56 out of 100, Moderate | $2.1B | 9.4% | 1.45% | vs |
| First International Bank & TrustBank Watford City, ND | 52 out of 100, Below average | $6.2B | 9.1% | 1.54% | vs |
Deposit insurance
Is my money safe at Gate City Bank?
Yes. Gate City Bank is an FDIC-insured institution (FDIC certificate #27774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.9% of deposits ($394.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.85%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
46 locations
Branches
Gate City Bank lists 45 offices in 23 cities across 2 states. Most locations:
- Fargo, ND (9)
- Bismarck, ND (5)
- Moorhead, MN (4)
- Grand Forks, ND (3)
- West Fargo, ND (3)
- Dickinson, ND (2)
- Minot, ND (2)
- Williston, ND (2)
- Alexandria, MN (1)
- Carrington, ND (1)
- Devils Lake, ND (1)
- Elk River, MN (1)
Identity & history
Profile
- Legal name
- Gate City Bank
- Former names
- Gate City Federal Savings Bank; Gate City Federal Savings and Loan Association
- Type
- Savings bank
- FDIC certificate #
- 27774
- RSSD ID
- 657271
- Primary regulator
- OCC
- Established
- January 1, 1923
- Headquarters
- 500 2nd Ave N, Fargo, ND 58102
- Website
- www.gatecity.bank
- Employees
- 683
Quick answers
Gate City Bank: common questions
Is Gate City Bank FDIC insured?
Yes. Gate City Bank is an FDIC-insured institution (FDIC certificate #27774). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Gate City Bank's TellerScore?
65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Gate City Bank ever failed?
There is no failure record for FDIC certificate #27774 in the FDIC failed bank list.
How many branches does Gate City Bank have?
46 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Fargo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fargo VA Federal Credit UnionCredit union Fargo, ND | 84 out of 100, Strong | $14.1M | 12.6% | 0.00% | vs |
| Valley Premier BankBank Hawley, MN | 81 out of 100, Strong | $141.0M | 11.1% | 0.00% | vs |
| Fargo Public Schools Federal Credit UnionCredit union Fargo, ND | 80 out of 100, Strong | $58.2M | 12.2% | 0.01% | vs |
| F.F.E. Federal Credit UnionCredit union Fargo, ND | 79 out of 100, Strong | $3.8M | 13.5% | 0.00% | vs |
| First United BankBank Park River, ND | 78 out of 100, Strong | $810.8M | 10.1% | 0.01% | vs |
| Western State BankBank Devils Lake, ND | 78 out of 100, Strong | $2.5B | 13.2% | 0.90% | vs |