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BDI
GC

Gate City Bank

Fargo, North DakotaFDIC Cert #27774

OCCEstablished 192346 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.34%
+4.7%y/y
Peer standing41st percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP3ASSET + LNLSGR
90+ %
0.04%
+26.5%y/y
Peer standing12th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.68%
−8.7%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNAASSET + LNLSGR
Noncurrent %
0.72%
−7.2%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.54%
−9.9%y/y
Peer standing37th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$21.6M
−4.7%y/y
Peer standing26th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.18%
+14.9%y/y
Peer standing20th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNTLNLS + LNLSGR
NCO
$1.32M
+17.1%y/y
Peer standing18th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.70%
+9.8%y/y
Percentile by value27th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNATRES + LNLSGR
30–89
$9.99M
+6.8%y/y
Peer standing23rd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP3ASSET
90+
$1.21M
+29.1%y/y
Peer standing10th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET
Nonaccrual
$20M
−6.8%y/y
Peer standing28th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNAASSET