BanksGATE CITY BANK

GATE CITY BANK

FARGO, NDLargeEst. Jan. 1, 1923, midnightFDIC #27774RSSD #657271OCC
Latest · 2025-12-31

GATE CITY BANK is an 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%. CET1 capital ratio: 8.54%. NPL ratio: 0.68% · Texas Ratio: 5.39%. Operates 46 domestic branches.

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 Margin3.69%
Yield on Assets5.00%
Cost of Funds1.34%

Asset Quality

NPL Ratio0.68%
Net Charge-Off Ratio0.13%
Texas Ratio5.39%
NPA Ratio0.51%
ACL / Loans0.69%

Capital & Liquidity

CET1 Ratio8.54%
Tier 1 Capital8.54%
Total Capital Ratio8.97%
Leverage Ratio9.75%
Loan-to-Deposit83.07%

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