Side-by-side · Q2 2026 data
First United Bank vs Gate City Bank
Metric by metric
| Measure | First United Bank | Gate City Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 51 (stronger) | 48 |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 87 (stronger) | 54 |
| Funding & liquidity | 71 | 78 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 72nd | 36th |
| Total assets | $810.8M | $4.0B |
| Deposits / shares | $702.1M | $3.6B |
| Capital ratio | 10.13% (stronger) | 9.85% |
| Problem loans | 0.01% (stronger) | 0.69% |
| Net charge-offs | 0.01% (stronger) | 0.16% |
| Return on assets | 1.66% (stronger) | 0.85% |
| Loans ÷ deposits | 81.9% (stronger) | 82.5% |
| Uninsured deposits | 21.6% | 10.9% (stronger) |
| Offices | 19 | 45 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.2% | — |
First United Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First United Bank leads on 6 and Gate City Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fargo, ND
- Devils Lake, ND
- Park River, ND