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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 413th largest bank in the nation. It was established in 1923 and as of June of 2017, it had grown to 508 employees at 37 locations. Gate City Bank has an A+ health rating.

Reviews (2)

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. :-)

Great Local Bank

Since my parents always banked with Wells Fargo, that is where I opened my first checking and savings account when I was in high school. I had those accounts through high school, college, and right up until before I was married. I also opened my first credit card with Wells Fargo when I was in college. Every year that went by my views and experience with Wells Fargo got worse and worse with bad customer service, endless annoying calls, and high fees. A few years ago my fiance and I decided to switch to a local North Dakota bank called Gate City Bank. The transition went smooth and I had a great first experience with the customer service at Gate City. It was a welcome environment in the smaller bank and the workers were great. Since opening checking and savings accounts with Gate city I have also gotten a car loan and mortgage through them. I found that they definitely had some of the best interest rates around. Every time I set foot in our bank I feel welcomed and get great service which is such a nice change from Wells Fargo. Our mortgage process with them was quick and a lot easier than I thought it would be since we were first time home buyers. I am very happy with Gate City Bank.


Health Grade Components

FDIC Certificate #27774
Year Established1923
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD4.72%
Annual Interest Income$30.8MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.02B$1.88B
LoansQ2 2017vs Q2 2016$1.79B$1.65B
DepositsQ2 2017vs Q2 2016$1.75B$1.65B
Equity CapitalQ2 2017vs Q2 2016$225.5MM$214.9MM
Loan Loss AllowanceQ2 2017vs Q2 2016$10.8MM$9.8MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$1.4MM$1.5MM
Real Estate OwnedQ2 2017vs Q2 2016$419.00K$1.2MM
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Gate City Bank Savings Account Rates

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

0.03%$500-Money Market Savings Account
0.03%$500-Business Money Market Account Savings

Gate City Bank Checking Account Rates

0.02%$2,500-Premium Interest Checking Account
0.01%--Non-Profit Interest Checking
0.01%$1,500-Business Interest Checking
0.01%--Benefit Interest Checking
0.01%--50+ Free Interest Checking
0.01%--VIP FREE Interest Checking

Gate City Bank CD Rates

1.75%$1k-42 Month Adjust-a-Rate Relationship CD
1.75%$1k-Business 42 Month Adjust-a-Rate Relationship CD
1.65%$1k-42 Month Adjust-a-Rate CD
1.65%$1k-Business 42 Month Adjust-a-Rate CD
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
0.85%$1k-3 Year Relationship CD
0.85%$1k-Business 3 Year Relationship 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

1.75%$100-42 Month Adjust-a-Rate IRA
1.60%$100-7 Year IRA
1.50%$100-5 Year IRA
1.25%$100-4 Year 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