# GATE CITY BANK
FARGO, ND · FDIC certificate 27774 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *auto lender*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $4.04B | |
| Deposits | $3.61B | |
| Loans and leases | $3.00B | |
| Total equity | $373.7M | |
| Loans / deposits | 82.50% (p38 of band) | 87.10% |
| Liquid assets / assets | 20.28% (p46 of band) | |
| Uninsured deposits / deposits | 10.91% (p5 of band) | 30.76% |
| Brokered deposits | 0.34% | |
| Wholesale funding | 0.97% (p22 of band) | |
| FHLB advances / assets | 0.63% | |
| Tier 1 leverage | 9.85% (p33 of band) | 10.50% |
| Unrealized securities loss / equity | -7.70% (p50 of band) | -7.75% |
| AOCI / equity | -0.80% (p23 of band) | |
| ROA (annualized) | 0.85% (p21 of band) | 1.26% |
| Net interest margin | 3.70% (p50 of band) | 3.70% |
| Efficiency ratio | 74.56% (p86 of band) | |
| Noncurrent loans | 0.69% (p62 of band) | 0.51% |
| Net charge-offs (annualized) | 0.12% (p78 of band) | |
| Reserve coverage of noncurrent | 101.17% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 24.75% (p23 of band) | |
| Auto loans | $327.0M (10.90% of loans; DQ 1.01%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 8.3% | |
| Employees | 683 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | liquid assets <10% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | expense ratio p90, uninsured deposits leaving |  |
| 2017-06 | 4 | loans exceed deposits |  |
| 2017-09 | 5 | capital falling |  |
| 2017-12 | 4 |  | uninsured deposits leaving |
| 2018-03 | 3 |  | capital falling |
| 2018-06 | 3 |  |  |
| 2018-09 | 4 | capital falling |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 3 |  | capital falling |
| 2019-06 | 2 |  | expense ratio p90 |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 4 | capital falling, uninsured deposits leaving |  |
| 2020-06 | 3 | expense ratio p90 | loans exceed deposits, uninsured deposits leaving |
| 2020-09 | 0 |  | liquid assets <10%, capital falling, expense ratio p90 |
| 2020-12 | 2 | expense ratio p90, uninsured deposits leaving |  |
| 2021-03 | 3 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2021-06 | 2 |  | charge-offs p90 |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | capital falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 1 |  | capital falling |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | reserve under noncurrent |  |
| 2024-09 | 3 | capital falling |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 2 |  | capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | expense ratio p90 |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-13 [Gate City Bank Named First-Ever All-Sport Jersey Patch Partner of NDSU Athletics - gobison.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPS2tVYUxackNZNElWSXJtWkVaeUQwNlB1UzlXM05fWXFZcC1tcVc0d2hPMnJZTDVkRlpSSEVhekpURVRfaWpkQU5iSWE2ZjVoanh1WFJ2Q1VCRkRBSHFoNW1YNUNJMVQ1WFduMU9ONDdQVnB5aDU2N09ZQmdrLWZCRlVEM1FqS0t6NU9uTkkteHJNZnhTaUsySURRQnVKc3BNSzNlbjBBNjlfcjlIU1h4MVlkQWJoWFZZejl4TFg3WXg?oc=5) · gobison.com
- 2026-07-13 [Gate City Bank becomes NDSU’s first all-sport jersey patch partner - Valley News Live](https://news.google.com/rss/articles/CBMirAFBVV95cUxNdXREM0NqbzEzV1gwRjU2VFhVMUFJbDVwbnd2VFh3TlJuRDVGZGpKSE14NjlyZ3Nmazd1TXdkTGxxZE90cW93cnQ5aHk0b3VSUkxuWUh4bXAtTVFoanNkd3NkT2VIbzZCdk16bl8yczRwNXB0WkdIYmJuQzR5cVVZQnFsdUpBelU3T1FEUWtqeTRJV19lVzdBYmNDcVV0cGZSWnFTNnlrY005M2tN?oc=5) · Valley News Live
- 2026-06-08 [Insights and meaningful stories shared at Gate City Bank's Connecting Women Leaders event - Grand Forks Herald](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNV2o5bXZoM254bmNRbVpaZUd2Vi10bnNNLTJBYmhrUEd4RWdHTU1kazdPM1hiREc4VHFybDBHMkp6c2RrazI5R28wVWFBTURIdXliSHFjVzIyd1FNUDhYUm8wdXNnV3pvWVFKZ0R2ZjJYU3VJMHprcERwQnVCTFgzQndGdkFKeFozeXdVOE1DWlpCbi0tclBiVGJ6TEFaVGtfWHBfcG1MeXpDNWU2MTF4RGJJdkVTa1lxMGtDT3J1LTlvT0dfY2s3a3EwQlJuSXhjeU1POQ?oc=5) · Grand Forks Herald
- 2026-06-17 [Gate City Bank - Forbes](https://news.google.com/rss/articles/CBMiXEFVX3lxTE0tSi0tbVoxNVFSekJGZ1RfOTZCX2dwUi1hNVlkWmhXOThFdjJDbGFNMllVQ2pMUEVrXzQteGhHNVducmJEOHcyNUhuQkhEdV9Lb2gxTEhXaUdhd0l1?oc=5) · Forbes
- 2026-05-04 [Gate City Bank Approved For Downtown St. Cloud Branch - KNSI](https://news.google.com/rss/articles/CBMiUkFVX3lxTE9fU3hXZzJRelB6UGFrWGRWUFdwUmlETWF5QVUtSldXbHZuNlloZFNSdW0wRzd2N2RQZHNQOTBiSkxxZG5VQVNrYmtzUjJGUmhCVmc?oc=5) · KNSI
- 2026-04-02 [Gate City Bank launches Mortgage Rate Match Guarantee Program - KX News](https://news.google.com/rss/articles/CBMikwFBVV95cUxOMWRWNUFEZUdfbTZHRHFYdFJ3em9tMmFhWG16amlrRWJKcmYyaFlHM1FSNWVuV19lN29ja3NWN1lKWTBfRGI0elhVY2Z0cGxWRFRQUnZuSWN2RXozNFRIREpOb1dGVEViLVUyd003VmxNNDhxeHgyekxmT1paLVB5NDZVOWh1LTk1QVFrTWwyaDQ4Mm_SAZgBQVVfeXFMTmVlSF8tSXFDbzdMMkdNRHljQS1XaE9ZUjBxa0o1anNieDJTcFoyMmZqMjBCM0R3V25PLUZrQTQ5ZkFwd09NRE9iRlNGQkM5c01JTURRRUZLX3FqTG9wNHYzZGdkbHh2MWJYWDE0ZzlqMTROcXFJMkhfdl9VWHdWLVU2VVY5dHFlT1Qxdm94SkZ1UnZDVWpUMms?oc=5) · KX News
- 2026-07-13 [NDSU, Gate City Bank reach deal for jersey patches - InForum](https://news.google.com/rss/articles/CBMipwFBVV95cUxNakVZN2VCV2JvSW9wenlLMVlZcGQtNUVMX3RTNDBzTFl0aGZfSTFJaUZfX1FQZFd6M0VoY0drTFZkWklRSllTeHZ1RTMyXzJmS2FnQk8xQjl5ZktKSFZWcktIaGF1ajNER0xBX2RfUDdVLWh1a05na2duN1Y5bVBMSVBTNkg0TUxEQkNCWTcxSTc2VU9qR2NxYk4zVVFkV0xLWHZILUJUVQ?oc=5) · InForum
- 2026-07-13 [Gate City Bank partnering with NDSU Athletics as all-sport jersey patch sponsor - WDAY Radio](https://news.google.com/rss/articles/CBMitwFBVV95cUxPNmdncXBDaHNkV3NnOVJ0b2JNUFFFd1BZTXZ6cE1wWG1DRlhJaXBqOFhYQ2kwbk1EQ0xOMWc5VmJzUEZZZWcwdXZtOEljZTJTSzZGQnYza2kwQzB3VXY0eUZ3NVBGeG1oZGZ5ZUtNVG5TY01PZkQtcHFfQ3kwbkhwQmlJREx2NzJUZzRJdnZxMnhob3dSdmtsdWpLRFRPVmNaVkFIM01zYVNxOGFFTGRSSEZ0eVFPc1k?oc=5) · WDAY Radio

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=27774 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/62.json (key "27774", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide