GATE CITY BANK

FARGO, ND | Large | Est. Jan. 1, 1923, midnight | FDIC #27774 | RSSD #657271 | OCC
Latest Report: 2025-12-31

GATE CITY BANK is aln large FDIC-insured commercial bank headquartered in FARGO, ND, established in Jan. 1, 1923, midnight. As of 2025-12-31, the bank reported total assets of $4.0B and total deposits of $3.6B. Profitability stands at 0.73% ROA and 8.01% ROE, with a net interest margin of 3.69%. The bank's CET1 capital ratio is 8.54%. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 5.39%. FDIC Certificate #27774.

Assets

$4.0B

Deposits

$3.6B

Loans

$3.0B

Equity

$360M

Profitability

Return on Assets (ROA) 0.73%
Return on Equity (ROE) 8.01%
Net Interest Margin (NIM) 3.69%
Yield on Assets 5.00%
Cost of Funds 1.35%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.13%
Texas Ratio 5.39%
NPA Ratio 0.51%
ACL / Loans 0.69%

Capital & Liquidity

CET1 Ratio 8.54%
Tier 1 Capital 8.54%
Total Capital Ratio 8.97%
Leverage Ratio 9.75%
Loan-to-Deposit 83.07%

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