Gate City Bank is a bank based in Fargo, North Dakota, established in 1923, with $4.0 billion in total assets across 46 branches. By Trust Grade it ranks 41st of 60 banks we track in North Dakota. Its capital ratio of 9.0% trails most similarly sized banks (24th percentile), versus a North Dakota median of 9.5%. It was profitable over the most recent period, with a 0.82% return on assets. No consumer complaints against Gate City Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gate City Bank compares to North Dakota peers
How we graded Gate City Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (9.0% capital ratio)
- Profitable (ROA 0.82%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gate City Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (46)
- 304 E Rosser Ave, Bismarck, ND 58501
- 601 4th St Ne, Devils Lake, ND 58301
- 204 Sims St, Dickinson, ND 58601
- 309 2nd Ave Sw, Jamestown, ND 58401
- 1017 S Broadway, Minot, ND 58701
- 11 1st St Se, Mayville, ND 58257
- 720 Main St, Carrington, ND 58421
- 802 Dakota Ave, Wahpeton, ND 58075
- 111 S Main St, Hettinger, ND 58639
- 201 Briggs Ave S, Park River, ND 58270
- 3909 13th Ave S, Fargo, ND 58103
- 422 Main St, Williston, ND 58801
- 2850 24th Ave S, Grand Forks, ND 58201
- 101 Main St E, Mohall, ND 58761
- 924 31st Ave Sw, Dakota Square, Minot, ND 58702
- 2710 State St, Bismarck, ND 58503
- 501 Demers Ave, Grand Forks, ND 58201
- 3100 25th St S, Fargo, ND 58103
- 1501 University Dr S, Fargo, ND 58103
- 2929 20th St S, Moorhead, MN 56560
- 405 E Main St, Mandan, ND 58554
- 305 8th St S, Moorhead, MN 56560
- 1119 9th St E, West Fargo, ND 58078
- 500 2nd Ave N, Fargo, ND 58102
- 2501 Broadway N, Fargo, ND 58102
- 3205 S Washington St, Grand Forks, ND 58201
- 4151 45th St S, Fargo, ND 58104
- 1630 Broadway St, Alexandria, MN 56308
- 428 W Lincoln Ave, Fergus Falls, MN 56537
- 1725 Golf Dr, Bismarck, ND 58503
- 1532 32nd Ave S, Fargo, ND 58103
- 500 2nd Ave N, Fargo, ND 58102
- 4101 13th Ave S, Fargo, ND 58103
- 837 31st Ave E, West Fargo, ND 58078
- 950 40th Ave S, Moorhead, MN 56560
- 3204 Yorktown Dr, Bismarck, ND 58503
- 3800 51st Ave S, Fargo, ND 58104
- 2050 Sheyenne St, West Fargo, ND 58078
- 101 11th St S, Moorhead, MN 56560
- 1001 4th St Se, Saint Cloud, MN 56304
Are deposits at Gate City Bank insured?
Yes. Gate City Bank is an FDIC-insured bank (FDIC certificate #27774). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gate City Bank: frequently asked questions
Is Gate City Bank a good bank?
Gate City Bank earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (9.0% capital ratio); Profitable (ROA 0.82%).
Is Gate City Bank FDIC-insured?
Yes. Gate City Bank is a FDIC-insured bank (FDIC certificate #27774). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Gate City Bank?
Gate City Bank holds $4.0 billion in total assets, ranking 41st of 60 banks we track in North Dakota. It operates 46 branches.
Does Gate City Bank have CFPB complaints?
No CFPB complaints against Gate City Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
