Gate City Bank
Fargo, ND
IDRSSD: 657271
Total Assets
$3.98B
Latest filing
Total Deposits
$3.56B
Latest filing
Net Interest Margin
3.64%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
291370918FARGO, ND
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Gate City Bank
500 2nd Ave N
Fargo, ND 58102
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1923FDIC Certificate 40608
Branches (45)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| Gate City Bank (Main) | 500 2nd Ave N | Fargo, ND |
| 304 ROSSER AVENUE BRANCH | 304 E Rosser Ave | Bismarck, ND |
| 601 FOURTH STREET BRANCH | 601 4th St Ne | Devils Lake, ND |
| 204 SIMS ST BRANCH | 204 Sims St | Dickinson, ND |
| JAMESTOWN BRANCH | 309 2nd Ave Sw | Jamestown, ND |
| 1017 S. BROADWAY BRANCH | 1017 S Broadway | Minot, ND |
| 11 1ST ST SE BRANCH | 11 1st St Se | Mayville, ND |
| 720 MAIN BRANCH | 720 Main St | Carrington, ND |
Showing 7 of 45
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Federal savings banks, federal charter, supervised by the OCC or (pre-2011) OTS |
| Primary Regulator | OCC |
| Established Date | 01/01/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58102 |
| State and County Number | 38017 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 34 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Fargo, ND-MN |
Operational Info
| Number of Employees | 667 |
| Domestic Offices | 46 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.gatecity.bank |
| Data Updated | 01/30/2026 |
| CERT | 27774 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.98B |
| Total Deposits | $3.56B |
| Total Liabilities | $3.62B |
| Total Equity Capital | $359.69M |
| Net Income | $7.11M |
| Net Loans and Leases | $2.94B |
| Assets Per Employee ($Millions) | $5.94M |
| Bank Premises and Fixed Assets | $83.29M |
| Cash and Balances due from Depository Institutions | $330.25M |
| Deposits Held in Domestic Offices | $3.56B |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 8.01% |
| Net Interest Margin | 3.64% |
| Efficiency Ratio | 79.5% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.032% |
| Earning Assets to total Assets | 92.9% |
Income and Expense
| Total Interest Income | $44.88M |
| Total Noninterest Income | $15.55M |
| Total Interest Expense | $11.74M |
| Total Noninterest Expense | $38.71M |
| Net Interest Income | $33.14M |
| Pre-tax Net Operating Income | $9.09M |
| Provision for Credit Losses | $891.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $376.00k |
| Other borrowed funds | $25.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $35.29M |
| Total Liabilities and Capital | $3.98B |
Securities
| Securities | $478.69M |
| Available-for-sale debt securities | $474.95M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $3.75M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Gate City Bank?
$3.98B as of the latest filing.
How much are Gate City Bank's total deposits?
$3.56B in total deposits.
Where is Gate City Bank located?
Fargo, ND.
What is the Net Interest Margin?
3.64%.
How many domestic offices does it operate?
46.
When was it established?
01/01/1923.
What is the Return on Assets (ROA)?
0.73%.
How much are total loans and leases?
$2.94B (latest filing).
What is the total interest income (latest filing)?
$44.88M.