Gate City Bank: Bank Stress & Real-Estate Credit Exposure

Gate City Bank (FDIC Cert #27774) carries a DLRadar bank-stress score of 76/100, a severe reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Gate City Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The Gate City Bank score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 21-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Gate City Bank is directly comparable to any lender in the country. Gate City Bank runs a mid-sized, regionally concentrated real-estate lending footprint — 21 U.S. counties across 2 states, spanning 302 ZIP codes. The deepest footprints are North Dakota (15 counties), Minnesota (6 counties). Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. County by county, that footprint includes Otter Tail County, MN, Stearns County, MN, Cass County, ND, Ward County, ND, among others DLRadar tracks parcel by parcel. DLRadar does not model Gate City Bank in isolation: the 302-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 21 counties, so a shift in the bank's severe posture can be read directly against on-the-ground distress. Read against its 21-county reach, a severe score sets the credit tone for every market on its map.

The acquisition angle is simple — lending capacity is what moves deals. As Gate City Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. The result is an early, auditable read on supply, every figure anchored to public data.