Gate City Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Gate City Bank of Fargo, ND against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.88% | 1.34% | -0.46% | 21st bottom |
| ROAE | 9.56% | 12.34% | -2.78% | 26th below |
| Net Interest Margin | 3.70% | 3.83% | -0.13% | 49th below |
| Efficiency Ratio | 73.83% | 58.97% | +14.86% | 13th bottom |
| PPNR / Avg Assets | 1.31% | — | — | 26th below |
| Yield on Earning Assets | 4.87% | 5.71% | -0.84% | 15th bottom |
| Cost of Funds | 1.13% | 2.02% | -0.89% | 92nd top |
| Net Interest Spread | 3.45% | — | — | 73rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.69% | 0.87% | -0.18% | 39th below |
| NPA / Total Assets | 0.53% | — | — | 40th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.43% | -0.29% | 22nd bottom |
| ACL / Total Loans | 0.70% | — | — | 9th bottom |
| ACL / NPLs (Coverage) | 101.17% | — | — | 24th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.27% | 5.48% | -0.21% | 37th below |
| Provision / NCO | 123.01% | — | — | 40th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.85% | 11.11% | -1.26% | 32nd below |
| Equity / Assets | 9.24% | 11.02% | -1.78% | 27th below |
| TCE / Tangible Assets | 9.24% | — | — | 38th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.08% | 86.99% | -3.91% | 63rd above |
| Core Deposit Ratio | 96.36% | 85.57% | +10.79% | 91st top |
| Uninsured Deposit Ratio | 10.91% | 33.19% | -22.28% | 96th top |
| Wholesale Funding Ratio | 0.63% | — | — | 86th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.81% | — | — | 66th above |
| Loan Growth (Y/Y) | 1.16% | — | — | 22nd bottom |
| Deposit Growth (Y/Y) | 8.32% | — | — | 68th above |
See Gate City Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Gate City Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Gate City Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Gate City Bank peer analysis.