🏦Bank Scorer

GATE CITY BANK

FARGO, ND · Supervised by OTS

Est. 1923FDIC #27,774
Outstanding Up

Current rating · Exam: October 2009

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.82%

Institution Profile

FDIC BankFind

Address

500 2nd Ave N, FARGO, ND

County

Cass County

Established

January 1, 1923

Total Assets

$4.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

October 13, 2009

Exam Type

Intermediate Small Bank

Regulator

OTS
What is a CRA rating? →
⚠️This exam is 16 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$4.0B

Total Deposits

$3.6B

Net Loans

$2.9B

Net Income

$8M

ROA

0.82%

ROE

9.05%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate11.86%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

46

Branch Deposits

$3.3B

1-Year Change

0

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20244,04875.49%11.86%
20233,73977.91%9.17%
20224,65580.6%6.60%
20217,35082.3%5.43%
20207,85482.49%3.93%
20195,11984.72%4.12%
20184,51983.49%4.74%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

7 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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