BlastPoint's Banking Scorecard
Gate City Bank
Designations: ✓ Community bank
Fargo, ND
46 branches across ND · MN
Gate City Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.11% above tier average
- + Delinquency Rate 0.16% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 22.6% in tier
- - ROA 0.55% below tier average
- - Net Interest Margin 0.20% below tier average
- - Efficiency Ratio 14.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+5.7% YoY
+1.2% QoQ
|
+$1.2B |
$2.8B
-0.1% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$2.9B
+2.0% YoY
-0.2% QoQ
|
+$968.0M |
$2.0B
+0.6% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$3.6B
+6.9% YoY
+1.3% QoQ
|
+$1.3B |
$2.3B
-0.3% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
82% |
| Return on Assets ? |
0.82%
+87.9% YoY
+35.5% QoQ
|
-0.55% |
1.37%
+19.6% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
3.62%
+15.5% YoY
+5.1% QoQ
|
-0.20% |
3.82%
+6.9% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
75.24%
-10.0% YoY
-6.1% QoQ
|
+14.18% |
61.06%
-4.6% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.4% in tier |
| Delinquency Rate ? |
0.72%
-7.2% YoY
+0.1% QoQ
|
-0.16% |
0.89%
+14.1% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
81.27%
-4.6% YoY
-1.5% QoQ
|
-2.94% |
84.20%
+0.3% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
13.07%
+0.7% YoY
-3.3% QoQ
|
-8.22% |
21.29%
-2.5% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.54%
-9.9% YoY
-1.2% QoQ
|
-0.14% |
0.67%
+15.6% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.82%
+3.3% YoY
+0.7% QoQ
|
-5.34% |
15.16%
+2.0% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.4% in tier |
| Non-Interest Income / Assets ? |
0.37%
-5.8% YoY
-76.2% QoQ
|
+0.11% |
0.26%
+1.6% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Top 9.7% in tier |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.