BlastPoint's Banking Scorecard
Gate City Bank
Community
Specialty: Mortgage
ND
FDIC cert 27774
Fargo, ND
1484
banks in Community tier nationally
17 in ND
View Community leaderboard (ND) →
Gate City Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 43% in Community
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+5.7% YoY
+4.1% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$2.9B
+2.1% YoY
+0.4% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$3.6B
+8.8% YoY
+4.6% QoQ
|
+$2.4B |
$1.2B
+1.7% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.60%
+89.6% YoY
+7.2% QoQ
|
-0.56% |
1.16%
+17.2% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.44%
+16.3% YoY
+1.7% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
80.09%
-8.8% YoY
-0.3% QoQ
|
+17.46% |
62.63%
-5.3% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.72%
-8.6% YoY
-0.0% QoQ
|
+0.09% |
0.63%
+18.3% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
82.50%
-6.2% YoY
-4.0% QoQ
|
-0.56% |
83.06%
+0.3% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
13.51%
+0.2% YoY
-3.4% QoQ
|
-7.53% |
21.05%
-0.9% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.54%
-11.7% YoY
-2.3% QoQ
|
+0.04% |
0.50%
+20.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.56%
-8.6% YoY
+28.1% QoQ
|
+0.82% |
0.74%
-1.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#160 of 371 · Top 43% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.56%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
0.60%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Efficiency Drag
risk
#76 of 152 · Bottom 50% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.09%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B
97
97th pctile
Total Loans
Current: $2.9B · Tier avg: $975.5M
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
94
94th pctile
Non-Interest Income / Assets
Current: 1.56% · Tier avg: 0.74%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.50% · Tier avg: 83.06%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
34
34th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.51% · Tier avg: 21.05%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 80.09% · Tier avg: 62.63%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 80.09% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.16%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.51% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.63%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.50% · Tier avg: 83.06%
94
94th pctile
Non-Interest Income / Assets
Current: 1.56% · Tier avg: 0.74%
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
97
97th pctile
Total Loans
Current: $2.9B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.6B · Tier avg: $1.2B