Gate City Bank

Headquarters: Fargo, North Dakota
Charter: Bank
Assets: $4.0B
Fed district: Minneapolis
Regulator: OCC

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Gate City Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FFIEC call report (bulk data) RCON2170	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Revenue	Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4074 + RIAD4079	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge income	Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed)	FFIEC call report (bulk data) RIAD4080	Q2 2026 Quarter ended Jun 30, 2026	Nov 1, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Gate City Bank's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FFIEC call report (bulk data)
Entity: Gate City Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

What stands out

Service-charge income was $5.4M in Q2 2026, about level with the same quarter a year earlier ($5.4M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $4.98, the middle of its prices
Gate City Bank: $4.95 to $10
Gate City Bank: $4.95 to $10
U.S. median: no median
Overdraft (OD)
Gate City Bank: $32
Gate City Bank: $32
U.S. median: no median
NSF / Returned Item
Gate City Bank: No fee
Gate City Bank: No fee
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for North Dakota, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
North Dakota: Banks and credit unions headquartered in North Dakota that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 10% from Q3 2025 to Q2 2026, to $5.4M.

Service-charge income, Q2 2026

$5.4M

$6.1MQ3 2025

$5.7MQ4 2025

$5.3MQ1 2026

$5.4MQ2 2026

Against the median

Gate City BankMedian

Sources and open questions

FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

Gate City Bank · $4B in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.

Banks only
$3.7B to $4.4B in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Gate City Bank(this institution)	Fargo, ND	$4B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bank of the Sierra	Porterville, CA	$3.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Bank of Utah	Ogden, UT	$3.8B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Capital Bank, National Association	Rockville, MD	$3.8B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Central Bank & Trust Co.	Lexington, KY	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Civista Bank	Sandusky, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Commercial Bank of California	Irvine, CA	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Cornerstone Capital Bank, SSB	Houston, TX	$3.7B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First Bank	Hamilton, NJ	$4.1B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Guaranty Bank	Hammond, LA	$3.9B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Frandsen Bank & Trust	Lonsdale, MN	$3.7B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Gulf Coast Bank and Trust Company	New Orleans, LA	$3.9B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank of Kentucky	Owensboro, KY	$3.8B	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
NATIONAL COOPERATIVE BANK, N.A.	Hillsboro, OH	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Pinnacle Bank	Elberton, GA	$4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Primis Bank	Tappahannock, VA	$4.3B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
RCB Bank	Claremore, OK	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
River Bank & Trust	Prattville, AL	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Security Bank of Kansas City	Kansas City, KS	$3.9B	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Spencer Savings Bank, SLA	Elmwood Park, NJ	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
State Bank of India	Chicago, IL	$4.3B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Sunwest Bank	Sandy, UT	$4.4B	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Texas Bank and Trust Company	Longview, TX	$4.3B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Union Savings Bank	Cincinnati, OH	$4B	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Publishes Overdraft
West Bank	West Des Moines, IA	$4B	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Woori America Bank	New York, NY	$4.1B	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $3.03 (38%) below the median of similar-sized banks.

Compared at $4.98, the middle of its four prices, against a peer median of $8 among 16 publishing peers.

Its four checking prices are $4.95, $4.95, $5 and $10.

$4.98 is a comparison price, not a fee anyone is charged.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

Gate City Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Gate City Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 62 quarters on file

Latest, Q2 2026: $5.4M
vs prior quarter: +$162K+3.1%; from Q1 2026
vs a year earlier: $00.0%; from Q2 2025
vs start of range: −$952K−14.9%; from Q3 2024

Details

Source: FFIEC call report (bulk data)
Entity: Gate City Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: RIAD4080
Retrieved: Nov 1, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$5.4M	+$162K	+3.1%
Q1 2026	$5.3M	−$429K	−7.5%
Q4 2025	$5.7M	−$342K	−5.7%
Q3 2025	$6.1M	+$609K	+11.2%
Q2 2025	$5.4M	−$145K	−2.6%
Q1 2025	$5.6M	−$616K	−9.9%
Q4 2024	$6.2M	−$191K	−3.0%
Q3 2024	$6.4M	+$40K	+0.6%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Gate City Bank’s own schedules, with a source for each figure.

Account Maintenance

All for a monthly service charge$4.95
per month
Monthly Service Charge$10
per month
Monthly Service Charge$5
per month
Monthly Service Charge$4.95
per month
Below Minimum Balance Fee - Savings (audience not stated, treated as personal)$5
per month
Account Research (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour
Balancing Assistance (audience not stated, treated as personal)$30
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Overdraft Fees (audience not stated, treated as personal)$32
per item
Non-Sufficient Funds (NSF) Fee for items returned (audience not stated, treated as personal)No charge
per item

ATM & Card

Non-Network ATMNo charge
Excessive Card Replacement$5
per item
Domestic Rush Order$25
per item

Wire Transfers

Domestic Outgoing Wire Fee$20
per item
Incoming Wire Fee$15
per item
Foreign Outgoing Wire Fee$50
per item

Check Services

Official Check$5
per item
Stop PaymentNo charge
per item
Stop Payment$30
per item
Non-Collection Items (audience not stated, treated as personal)$10
per item

Cash & Deposit

Deposited Items Returned (audience not stated, treated as personal)$5
per item
Night Deposit Key Replacement (audience not stated, treated as personal)$25
per item

Account Services

Notary FeeNo charge
per item

Other Fees

Overnight Delivery Fee$20
Copy Fee$0.25
Not compared: Charged per page; comparison unavailable
per page
Fax Fee$2
Not compared: Charged per page; comparison unavailable
per page

Fee	Amount	Basis	Note
Account Maintenance
All for a monthly service charge	$4.95	per month	None
Monthly Service Charge	$10	per month	None
Monthly Service Charge	$5	per month	None
Monthly Service Charge	$4.95	per month	None
Below Minimum Balance Fee - Savings (audience not stated, treated as personal)	$5	per month	None
Account Research (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Balancing Assistance (audience not stated, treated as personal)	$30Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Overdraft Fees (audience not stated, treated as personal)	$32	per item	None
Non-Sufficient Funds (NSF) Fee for items returned (audience not stated, treated as personal)	No charge	per item	None
ATM & Card
Non-Network ATM	No charge	Not stated	None
Excessive Card Replacement	$5	per item	None
Domestic Rush Order	$25	per item	None
Wire Transfers
Domestic Outgoing Wire Fee	$20	per item	None
Incoming Wire Fee	$15	per item	None
Foreign Outgoing Wire Fee	$50	per item	None
Check Services
Official Check	$5	per item	None
Stop Payment	No charge	per item	None
Stop Payment	$30	per item	None
Non-Collection Items (audience not stated, treated as personal)	$10	per item	None
Cash & Deposit
Deposited Items Returned (audience not stated, treated as personal)	$5	per item	None
Night Deposit Key Replacement (audience not stated, treated as personal)	$25	per item	None
Account Services
Notary Fee	No charge	per item	None
Other Fees
Overnight Delivery Fee	$20	Not stated	None
Copy Fee	$0.25Not compared: Charged per page; comparison unavailable	per page	None
Fax Fee	$2Not compared: Charged per page; comparison unavailable	per page	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Gate City Bank operates, and what regulators and customers have on file.

Market position

In Fargo, ND-MN, Gate City Bank holds 9.3% of bank deposits, #3 of 32, with 17 offices.

Compare fees with the 23 Fargo, ND-MN banks and credit unions in its home-metro peer set →

Offices in the metro

122 offices of 44 institutions shown.

Gate City BankOther banksCredit unions

Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).

Details

Source: FDIC Summary of Deposits (bank offices, June 30, 2026); NCUA credit union branch file (quarter ending June 30, 2026)
Area: Fargo, ND-MN metro (FDIC metro code 22020), drawn from its counties
Coverage: Bank offices the FDIC places in the metro. Credit union offices in the cities those bank offices are in.
Asset band: Each institution's total assets as on file in our institution registry
Not drawn: 5 offices have no coordinates on file

Share of bank deposits

As of June 30, 2026. FDIC-insured offices only; credit unions are not included.

1Bell Bank29.1%
2First International Bank & Trust11.9%
3Gate City Bank9.3%
4Choice Financial Group7.9%
5U.S. Bank National Association7.2%
6Wells Fargo Bank, National Association5.3%
7Alerus Financial, National Association4.7%
8Western State Bank3.5%

8 of 32 institutions shown. $12.9B in bank deposits in the metro.

Source: FDIC Summary of Deposits, as of June 30, 2026.

Details

Source: FDIC Summary of Deposits
Reporting date: June 30, 2026
Area: Fargo, ND-MN metro (FDIC metro code 22020)
Coverage: Deposits booked at FDIC-insured bank and savings institution offices. Credit unions are not in the survey.
Calculation: An institution's deposits at its offices in the metro, divided by all surveyed deposits there. Ranked by deposits.

Position over time, 2010 to 2026

June 2026: 9.3% share, 17 offices, #3 of 32

Deposit share

Offices

Rank (1 is largest)

Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.

Details

Source: FDIC Summary of Deposits, every survey year on file
Reporting dates: June 30 of each year, 2010 to 2026
Area: Fargo, ND-MN metro as the FDIC coded each office that year; metro boundaries can change between years
Calculation: Same as the share chart, year by year. Offices counted at June 30. A merger moves the acquired offices to the buyer from that year on.

Credit unions, reported separately

32 offices of 13 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.

Source: NCUA branch file, quarter ending June 30, 2026.

Enforcement actions

None on file with the OCC

The OCC has no public enforcement action against this bank or its holding company on file.

Source: public enforcement action lists from the OCC, read November 4, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.

Fee change alerts

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