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Gate City Bank

$1B-$10B Specialty: Mortgage ND FDIC cert 27774

Designations: ✓ Community bank

Fargo, ND

46 branches across ND · MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in ND.
  • Deposits +8.3% year over year ($3.6B on the books).
  • Delinquency rate 0.69%.
  • Return on assets 0.85%.
  • Efficiency ratio 74.56% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.50% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in ND
View $1B-$10B leaderboard (ND) →

Gate City Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 33.8% in tier
  • - ROA 0.54% below tier average
  • - Net Interest Margin 0.17% below tier average
  • - Efficiency Ratio 14.84% above tier average
Get updates when Gate City Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Total Assets ? $4.0B
+7.8% YoY +0.4% QoQ
+$1.2B $2.8B
-0.6% YoY
$1.1B
+6.9% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $3.0B
+1.1% YoY +1.6% QoQ
+$1.0B $2.0B
-0.3% YoY
$805.2M
+6.2% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $3.6B
+8.3% YoY +0.1% QoQ
+$1.3B $2.3B
-0.5% YoY
$922.2M
+5.0% YoY
$4.9B
+7.3% YoY
83%
Return on Assets ? 0.85%
+75.3% YoY +3.5% QoQ
-0.54% 1.39%
+17.0% YoY
1.44%
+8.8% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 3.70%
+11.9% YoY +2.4% QoQ
-0.17% 3.87%
+6.2% YoY
3.79%
+4.3% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 74.56%
-8.8% YoY -0.9% QoQ
+14.84% 59.73%
-12.6% YoY
59.23%
-3.7% YoY
70.05%
+2.5% YoY
Bottom 13.6% in tier
Delinquency Rate ? 0.69%
-4.6% YoY -4.4% QoQ
-0.17% 0.87%
+11.7% YoY
0.86%
+16.6% YoY
0.98%
+16.3% YoY
39%
Loan-to-Deposit Ratio ? 82.50%
-6.6% YoY +1.5% QoQ
-2.53% 85.04%
-0.1% YoY
73.82%
-0.7% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 13.65%
+4.2% YoY +4.4% QoQ
-7.62% 21.27%
-1.5% YoY
21.56%
+2.8% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 0.53%
-6.4% YoY -0.5% QoQ
-0.14% 0.67%
+11.7% YoY
0.54%
+8.1% YoY
0.69%
+15.8% YoY
41%
Tier 1 Capital Ratio ? 9.85%
+2.1% YoY +0.3% QoQ
-4.99% 14.84%
-0.4% YoY
12.90%
+0.7% YoY
17.09%
+0.8% YoY
Bottom 4.5% in tier
Non-Interest Income / Assets ? 0.74%
-10.0% YoY +98.4% QoQ
+0.21% 0.53%
+2.5% YoY
0.22%
-1.4% YoY
0.66%
+5.2% YoY
Top 10.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Noninterest-Bearing 13.7%
+0.5pp YoY
+0.6pp QoQ
 -7.7pp 21.4% 21.6% 22.2% 21%
Brokered Deposits 0.4%
-0.4pp YoY
-0.3pp QoQ
 -9.1pp 9.5% 6.0% 8.5% 9%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
C&I 3.8%
+0.3pp YoY
+0.4pp QoQ
 -10.2pp 14.0% 12.9% 12.5% 13%
CRE 18.2%
+3.3pp YoY
+0.2pp QoQ
 -31.8pp 50.0% 29.0% 41.4% 3%
1-4 Family 58.6%
-1.5pp YoY
-0.1pp QoQ
 +32.1pp 26.4% 12.3% 31.3% 94%
Consumer 20.1%
-2.1pp YoY
-0.5pp QoQ
 +15.4pp 4.7% 4.5% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.3% 19.7% n/a
Leverage Ratio 9.8%
+0.2pp YoY
0.0pp QoQ
 -1.5pp 11.3% 10.7% 12.6% 32%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Full-Time Employees 683
+7 (+1.0%) YoY
+9 (+1.3%) QoQ
 +369 313 138 482 92%
Assets per Employee ($) $5.9M
+6.7% YoY
-1.0% QoQ
 -$4.6M $10.5M $8.3M $8.8M 11%
Branch Count 46
0 YoY
0 QoQ
 +26 20 7 18 92%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.5% 0.4% 47%
Nonaccrual 0.7%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.8% 0.7% 1.0% 61%
Allowance Coverage 1.01x
+9.1% YoY
+3.6% QoQ
 -17.70x 18.71x 73.79x 20.23x 24%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.3% 0.1% 0.2% 76%

Profitability

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
ROE 9.3%
+3.8pp YoY
+0.2pp QoQ
 -3.3pp 12.6% 16.0% 11.6% 28%
Cost of Funds (YTD) 1.2%
-0.2pp YoY
0.0pp QoQ
 -0.7pp 1.9% 1.7% 1.7% 10%
Net Income ($, YTD) $17.0M
+86.6% YoY
— QoQ
 -$2.2M $19.2M $7.0M $40.4M 64%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#76 of 222 • Bottom 33.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.85%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

91
Non-Interest Income / Assets
revenue_mix
Value: 0.74%
Peer Median: 0.53%
#91 of 885 Top 10.2% in $1B-$10B
149
Total Deposits
size
Value: $3.61B
Peer Median: $2.32B
#149 of 885 Top 16.7% in $1B-$10B
159
Total Loans
size
Value: $2.98B
Peer Median: $1.96B
#159 of 885 Top 17.9% in $1B-$10B
169
Total Assets
size
Value: $4.04B
Peer Median: $2.79B
#169 of 885 Top 19.0% in $1B-$10B

Top Weaknesses (4 metrics)

846
Tier 1 Capital Ratio
capital
Value: 9.85%
Peer Median: 14.84%
#846 of 885 Bottom 4.5% in $1B-$10B
766
Efficiency Ratio
profitability
Value: 74.56%
Peer Median: 59.73%
#766 of 885 Bottom 13.6% in $1B-$10B
707
Return on Assets
profitability
Value: 0.85%
Peer Median: 1.39%
#707 of 885 Bottom 20.2% in $1B-$10B
694
Non-Interest-Bearing Deposit Share
funding
Value: 13.65%
Peer Median: 21.27%
#694 of 885 Bottom 21.7% in $1B-$10B
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