Side-by-side · Q2 2026 data
Alerus Financial, National Association vs Gate City Bank
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Alerus Financial, National Association | Gate City Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 65 |
| Capital cushion | 43 | 48 (stronger) |
| Loan quality | 91 (stronger) | 77 |
| Earnings | 91 (stronger) | 54 |
| Funding & liquidity | 43 | 78 (stronger) |
| Problem-loan coverage | 94 (stronger) | 89 |
| Peer percentile | 58th | 36th |
| Total assets | $5.3B | $4.0B |
| Deposits / shares | $4.2B | $3.6B |
| Capital ratio | 9.26% | 9.85% (stronger) |
| Problem loans | 0.26% (stronger) | 0.69% |
| Net charge-offs | 0.47% | 0.16% (stronger) |
| Return on assets | 1.78% (stronger) | 0.85% |
| Loans ÷ deposits | 94.7% | 82.5% (stronger) |
| Uninsured deposits | 35.1% | 10.9% (stronger) |
| Offices | 24 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
Alerus Financial, National Association has the higher TellerScore (70 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 3 and Gate City Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.