Gate City Bank (FDIC #27774): Bank Stress & Real-Estate Credit Exposure
Gate City Bank (FDIC Cert #27774): bank stress 76/100, severe, STABLE over 7 days.
Gate City Bank (#27774) lends in 21 counties across 2 states; Gate City Bank (#27774) reaches 302 ZIP codes: North Dakota 15 counties, 197 ZIPs; Minnesota 6 counties, 105 ZIPs.
Gate City Bank (#27774) largest markets: Otter Tail County, MN (34 branches, 34 ZIPs) (#27774), Stearns County, MN (33 branches, 33 ZIPs) (#27774), Cass County, ND (390 branches, 30 ZIPs) (#27774), Ward County, ND (48 branches, 24 ZIPs) (#27774), Grand Forks County, ND (66 branches, 22 ZIPs) (#27774), Stutsman County, ND (21 branches, 21 ZIPs) (#27774).
Gate City Bank (#27774) reports $4.04 billion in total assets; Gate City Bank (#27774) equity $373.7 million (9.2% of Gate City Bank (#27774) assets); Gate City Bank (#27774) domestic deposits $3.61 billion; Gate City Bank (#27774) net income $17.0 million; Gate City Bank (#27774) return on assets 0.85%; Gate City Bank (#27774) return on equity 9.30%; Gate City Bank (#27774) net interest income $69.1 million; Gate City Bank (#27774) call report June 30, 2026.
Gate City Bank (#27774) noncurrent real-estate loans: none reported; Gate City Bank (#27774) net charge-offs on real estate 0.72%; Gate City Bank (#27774) residential charge-offs 1.39%.
Gate City Bank (#27774) net interest margin 3.70% against an eight-quarter Gate City Bank (#27774) average of 3.31% (Gate City Bank (#27774) compression -0.40 points); Gate City Bank (#27774) real-estate loans 0.2% of equity; Gate City Bank (#27774) non-residential real estate 139.2% of equity; Gate City Bank (#27774) rate-exposure score 40/100, Gate City Bank (#27774) fixed-rate trap 40/100; Gate City Bank (#27774) risk type credit driven; Gate City Bank (#27774) rate regime rates elevated, Gate City Bank (#27774) snapshot October 19, 2026.
Gate City Bank (#27774) stress score moved from 76 on June 22, 2026 to 76.3 on October 19, 2026; Gate City Bank (#27774) ranged 76 to 76.3 over 116 snapshots.
Gate City Bank (#27774) alerts: 21 counties; top Gate City Bank (#27774) alert scores: Grand Forks County, ND 48 (moderate); Hettinger County, ND 35 (low); Alexandria County, ND 25 (low); Bismarck County, ND 25 (low); Carrington County, ND 25 (low).