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Overview / Commentary
701-293-2400
500 Second Avenue North
Fargo, ND 58102

Gate City Bank is headquartered in Fargo and is the 4th largest bank in the state of North Dakota. It is also the 407th largest bank in the nation. It was established in 1923 and as of March of 2016, it had grown to 479 employees at 35 locations. Gate City Bank has an A+ health rating.

Reviews (1)

Love This Bank!

I absolutely love this bank! I've moved around for the last 10 years quite a bit, so I have used quite a few different banks (switching each time that I move). I started using Gate City Bank when I lived in Fargo, ND for a couple of years. I have since moved to the Twin Cities area, and they do not have any locations anywhere near me. I opened up an account with another bank here just so I can do some local banking transactions, but I just can't let go of my Gate City account. They have an excellent website and mobile app. As of this year, you can now deposit checks through that mobile app, so I can easily do long distance banking. The mobile app shows all of your recent transactions, which is the closest I've seen for real time balances. The only thing that doesn't show up right away is when you pay at the pump for gas. Anything else seems to show up right away. Also, they automatically reimburse your ATM fees immediately. The only thing that I can't do is deposit cash since they are not close to me. I kind of miss their fresh baked cookies too. :-)



Health
A+

Health Grade Components

Overall
FDIC Certificate #27774
Year Established1923
Employees479
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD5.98%
Annual Interest Income$14.5MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$1.89B$1.80B
LoansQ1 2016vs Q1 2015$1.59B$1.47B
DepositsQ1 2016vs Q1 2015$1.67B$1.60B
Equity CapitalQ1 2016vs Q1 2015$211.4MM$197.3MM
Loan Loss AllowanceQ1 2016vs Q1 2015$9.4MM$9.0MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$1.0MM$960.00K
Real Estate OwnedQ1 2016vs Q1 2015$1.1MM$985.00K
Rates
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Gate City Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$200-Personal Savings Account
0.02%$50-Personal Relationship Savings Account
0.02%$200-Business Savings Account
0.02%$50-Business Relationship Savings Account

Gate City Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$500-Money Market Savings Account
0.03%$500-Business Money Market Account Savings

Gate City Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.02%$2,500-Premium Interest Checking Account
0.01%$50-Current Checking Account
0.01%--Non-Profit Interest Checking
0.01%$1,500-Business Interest Checking

Gate City Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$1k-7 Year Relationship CD
1.60%$1k-Business 7 Year Relationship CD
1.50%$1k-5 Year Relationship CD
1.50%$1k-7 Year CD
1.50%$1k-Business 7 Year CD
1.50%$1k-Business 5 Year Relationship CD
1.40%$1k-5 Year CD
1.40%$1k-Business 5 Year CD
1.25%$1k-4 Year Relationship CD
1.25%$1k-Business 4 Year Relationship CD
1.15%$1k-4 Year CD
1.15%$1k-Business 4 Year CD
0.90%$1k-42 Month Adjust-a-Rate Relationship CD
0.90%$1k-Business 42 Month Adjust-a-Rate Relationship CD
0.85%$1k-3 Year Relationship CD
0.85%$1k-Business 3 Year Relationship CD
0.80%$1k-42 Month Adjust-a-Rate CD
0.80%$1k-Business 42 Month Adjust-a-Rate CD
0.75%$1k-30 Month Relationship CD
0.75%$1k-3 Year CD
0.75%$1k-Business 3 Year CD
0.75%$1k-Business 30 Month Relationship CD
0.65%$1k-30 Month CD
0.65%$1k-Business 30 Month CD
0.60%$1k-2 Year Relationship CD
0.60%$1k-Business 2 Year Relationship CD
0.50%$1k-18 Month Relationship CD
0.50%$1k-2 Year CD
0.50%$1k-Business 2 Year CD
0.50%$1k-Business 18 Month Relationship CD
0.40%$1k-15 Month Relationship CD
0.40%$1k-18 Month CD
0.40%$1k-Business 18 Month CD
0.40%$1k-Business 15 Month Relationship CD
0.30%$1k-1 Year Relationship CD
0.30%$1k-15 Month CD
0.30%$1k-Business 15 Month CD
0.30%$1k-Business 1 Year Relationship CD
0.25%$1k-9 Month Relationship CD
0.25%$1k-Business 9 Month Relationship CD
0.20%$1k-182 Day Relationship CD
0.20%$1k-1 Year CD
0.20%$1k-Business 1 Year CD
0.20%$1k-Business 182 Day Relationship CD
0.15%$1k-90 Day Relationship CD
0.15%$1k-9 Month CD
0.15%$1k-Business 9 Month CD
0.15%$1k-Business 90 Day Relationship CD
0.10%$1k-182 Day CD
0.10%$1k-Business 182 Day CD
0.05%$1k-90 Day CD
0.05%$1k-Business 90 Day CD

Gate City Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.60%$100-7 Year IRA
1.50%$100-5 Year IRA
1.25%$100-4 Year IRA
0.90%$100-42 Month Adjust-a-Rate IRA
0.85%$100-3 Year IRA
0.75%$100-30 Month IRA
0.60%$100-2 Year IRA
0.50%$100-18 Month IRA
0.40%$100-15 Month IRA
0.30%$100-1 Year IRA
0.25%$100-9 Month IRA
0.20%$100-182 Day IRA
0.15%$100-90 Day IRA
Locations

Gate City Bank has 36 locations. Click to view all Gate City Bank locations.