Bank · FDIC insured
Gate City Bank
A $4B bank, the 326th largest of 4,207, headquartered in Fargo, ND, with 45 branches in 2 states. Best rates: CDs 4.00% and savings 0.35% APY.
Gate City Bank Carrot Score
74
Carrot Score
Higher than 38% of U.S. banks and credit unions
#18 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Gate City Bank
Gate City Bank has been serving communities since 1923, operating across North Dakota and central Minnesota.
The bank operates 45 locations across 23 communities in North Dakota and central Minnesota.
- Headquarters
- 500 2nd Ave N, Fargo, ND 58102
- FDIC certificate
- 27774 ↗
Branches
45 branches in 2 states
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North Dakota
35 branches
Fargo area · 12
- Gate City BankMain office500 2nd Ave N, Fargo, ND 58102Directions
- 1501 S. University Drive Branch1501 University Dr S, Fargo, ND 58103Directions
- 2501 Broadway Branch2501 Broadway N, Fargo, ND 58102Directions
- 3100 25 St S Branch3100 25th St S, Fargo, ND 58103Directions
- 32nd South Branch1532 32nd Ave S, Fargo, ND 58103Directions
- 3909 13th Ave So Branch3909 13th Ave S, Fargo, ND 58103Directions
- 4101 13th Ave S Branch4101 13th Ave S, Fargo, ND 58103Directions
- 45th Street Fargo Branch4151 45th St S, Fargo, ND 58104Directions
- Fargo Woodhaven Branch3800 51st Ave S, Fargo, ND 58104Directions
- 837 31st Ave E Branch837 31st Ave E, West Fargo, ND 58078Directions
- Hornbacher'S West Fargo Office2050 Sheyenne St, West Fargo, ND 58078Directions
- West Fargo Branch1119 9th St E, West Fargo, ND 58078Directions
Bismarck area · 6
- 2710 State Street Branch2710 State St, Bismarck, ND 58503Directions
- 304 Rosser Avenue Branch304 E Rosser Ave, Bismarck, ND 58501Directions
- Bismarck Cash Wise Office Branch1144 E Bismarck Expy, Bismarck, ND 58504Directions
- Bismarck Sunrise Town Centre Branch3204 Yorktown Dr, Bismarck, ND 58503Directions
- Golf Drive Branch1725 Golf Dr, Bismarck, ND 58503Directions
- Mandan Branch405 E Main St, Mandan, ND 58554Directions
Grand Forks area · 3
- 2850 24th Ave. S. Branch2850 24th Ave S, Grand Forks, ND 58201Directions
- Demers Avenue Branch501 Demers Ave, Grand Forks, ND 58201Directions
- South Washington Grand Forks Branch3205 S Washington St, Grand Forks, ND 58201Directions
Minot area · 3
- 1017 S. Broadway Branch1017 S Broadway, Minot, ND 58701Directions
- Dakota Square Branch924 31st Ave Sw, Dakota Square, Minot, ND 58702Directions
- 101 East Main St Branch101 Main St E, Mohall, ND 58761Directions
Dickinson area · 2
- 204 Sims St Branch204 Sims St, Dickinson, ND 58601Directions
- Dickinson Cash Wise Branch1761 3rd Ave W, Dickinson, ND 58601Directions
Williston area · 2
- 422 Main Branch422 Main St, Williston, ND 58801Directions
- Williston-Cash Wise Branch300 11th St W, Williston, ND 58801Directions
Carrington area · 1
- 720 Main Branch720 Main St, Carrington, ND 58421Directions
Devils Lake area · 1
- 601 Fourth Street Branch601 4th St Ne, Devils Lake, ND 58301Directions
Hettinger area · 1
- 111 South Main St Branch111 S Main St, Hettinger, ND 58639Directions
Jamestown area · 1
- Jamestown Branch309 2nd Ave Sw, Jamestown, ND 58401Directions
Mayville area · 1
- 11 1st St Se Branch11 1st St Se, Mayville, ND 58257Directions
Park River area · 1
- 201 Briggs Ave So Branch201 Briggs Ave S, Park River, ND 58270Directions
Wahpeton area · 1
- 802 Dakota Ave Branch802 Dakota Ave, Wahpeton, ND 58075Directions
Minnesota
10 branches
Fargo area · 4
- Moorhead Branch2929 20th St S, Moorhead, MN 56560Directions
- Moorhead Downtown Branch305 8th St S, Moorhead, MN 56560Directions
- Moorhead Hornbacher'S Branch101 11th St S, Moorhead, MN 56560Directions
- South Moorhead Hornbachers Branch950 40th Ave S, Moorhead, MN 56560Directions
St. Cloud area · 3
- Sauk Rapids Coborns Branch110 1st St S, Sauk Rapids, MN 56379Directions
- Saint Cloud Cash Wise Foods Branch1001 4th St Se, St. Cloud, MN 56304Directions
- Waite Park Branch113 Waite Ave S, Waite Park, MN 56387Directions
Alexandria area · 1
- Alexandria Branch1630 Broadway St, Alexandria, MN 56308Directions
Minneapolis area · 1
- Elk River - Coborn'S Branch19425 Evans Street Nw, Elk River, MN 55330Directions
Fergus Falls area · 1
- Fergus Falls Branch428 W Lincoln Ave, Fergus Falls, MN 56537Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.85% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.69% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.85% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $83 | $88 | — |
- CapitalLeverage ratio9.85%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.69%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.85%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$83Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Gate City Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.