Gate City Bank
Fargo, ND
IDRSSD: 657271
Total Assets
$3.83B
Latest filing
Total Deposits
$3.41B
Latest filing
Net Interest Margin
3.55%
Profitability
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 11/14/2025Established 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 | 676 |
| 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 | 11/14/2025 |
| CERT | 27774 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.83B |
| Total Deposits | $3.41B |
| Total Liabilities | $3.48B |
| Total Equity Capital | $350.60M |
| Net Income | $6.88M |
| Net Loans and Leases | $2.93B |
| Assets Per Employee ($Millions) | $5.74M |
| Bank Premises and Fixed Assets | $83.79M |
| Cash and Balances due from Depository Institutions | $295.08M |
| Deposits Held in Domestic Offices | $3.41B |
Key Performance Ratios
| Return on Assets (ROA) | 0.73% |
| Return on Equity (ROE) | 7.97% |
| Net Interest Margin | 3.55% |
| Efficiency Ratio | 77.49% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.164% |
| Earning Assets to total Assets | 93.9% |
Income and Expense
| Total Interest Income | $43.51M |
| Total Noninterest Income | $15.94M |
| Total Interest Expense | $11.88M |
| Total Noninterest Expense | $36.86M |
| Net Interest Income | $31.63M |
| Pre-tax Net Operating Income | $9.22M |
| Provision for Credit Losses | $1.49M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $81.00k |
| Other borrowed funds | $35.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $34.46M |
| Total Liabilities and Capital | $3.83B |
Securities
| Securities | $406.75M |
| Available-for-sale debt securities | $402.96M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $3.79M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Gate City Bank?
$3.83B as of the latest filing.
How much are Gate City Bank's total deposits?
$3.41B in total deposits.
Where is Gate City Bank located?
Fargo, ND.
What is the Net Interest Margin?
3.55%.
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?
$2.93B (latest filing).
What is the total interest income (latest filing)?
$43.51M.