Gate City Bank
Fargo, ND · Cert 27774 · Peer group: banks $1B-$10B in assets (n=322-328)
State savings bank · OCC · 46 branches
Q2 2026
$4.0BAssets
$3.0BLoans
$3.6BDeposits
$373.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 49% of banks $1B-$10B in assets (rank 167 of 328).
- Widest gap: total risk-based capital ratio trails 97% of banks $1B-$10B in assets (rank 319 of 328).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.84%
Rank 261 of 328
Net Interest Margin
3.44%
Rank 167 of 328
Efficiency Ratio
74.56%
Rank 289 of 328
Equity / Assets
9.24%
Rank 239 of 328
Non-interest income vs. expense
Unfavorable gap of $87.8M · efficiency ratio beats 12% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.84% | 0.91% | 1.22% | 1.52% | Beats 20% | 261 / 328 | | |
| Return on Equity | 9.10% | 8.43% | 11.45% | 14.43% | Beats 30% | 230 / 328 | | |
| Net Interest Margin | 3.44% | 3.03% | 3.45% | 3.83% | Beats 49% | 167 / 328 | | |
| Efficiency Ratio | 74.56% | 51.61% | 59.56% | 67.53% | Beats 12% | 289 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.69% | 0.24% | 0.51% | 1.03% | Beats 38% | 201 / 322 | | |
| Net Charge-Offs / Loans | 0.10% | 0.01% | 0.03% | 0.10% | Beats 26% | 239 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 9.85% | 11.75% | 13.15% | 15.47% | Beats 4% | 316 / 328 | | |
| Total Risk-Based Capital Ratio | 9.85% | 12.63% | 14.15% | 16.46% | Beats 3% | 319 / 328 | | |
| Equity / Assets | 9.24% | 9.15% | 10.33% | 12.01% | Beats 27% | 239 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.08% | 76.63% | 87.92% | 95.36% | 39th pctl | 198 / 323 | | |
| Loans / Assets | 74.21% | 65.18% | 74.15% | 79.98% | 50th pctl | 163 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |