Introducing our NEW Mortgage Rate Relief Program, offering rates approximately 2% lower than current market rates to eligible homebuyers. Find out more!

Sunrise at Gate City Bank headquarters in downtown Fargo, ND

Bold History. 
Bright Horizons.

At Gate City Bank, we’ve been proud to create a better way of life since 1923. Come enjoy a look back through the decades in the communities we love, and see why we’re just getting started.

two young women on couch, laughing and reading the Gate City Bank book in commemoration of 100 years

Download the Free Book.

Explore over a century of history, photos and heartfelt stories with Gate City Bank, dating back to the day we first opened our doors in downtown Fargo, ND.

Download on the Apple App Store

A Legacy on the Grow.

Years Strong
Locations and Counting
Communities Across ND and MN
in Charitable Giving Since 2003
Start of the timeline.

A History of Better Banking.

1920s black and white photo of community members gathering in front of Gate City Building and Loan Association building


A New Frontier

Gate City opened its doors in 1923, becoming a pioneer in the Gateway to the West.

1930s color photo of Gate City Savings and Loan building in downtown Fargo North Dakota


Hope in Hard Times

After a decade of growth, the bank stood strong with our communities, facing challenges together – from droughts to the Great Depression.

1940s black and white photo of Gate City Building and Loan Association building in downtown Fargo North Dakota


Support at Home & Abroad

At the dawn of World War II, more than 58,000 North Dakotans enlisted. Upon their return home, businesses – and the American dream of homeownership – began to boom.

1950s black and white aerial photo of downtown Fargo North Dakota


Growing Together

As our communities grew, so did Gate City – expanding with new locations throughout the region.

1960s black and white photo of seven Gate City Bank leaders and associates breaking ground at a new site


Building Something Better

Gate City continued to grow, opening branches statewide and adding more offerings for our customers.

1970s color photo of two Gate City Bank female tellers assisting a male customer in the lobby


Back to Our Roots

After briefly expanding into Utah and South Carolina, Gate City returned to our ND roots with renewed focus on serving our local communities.

1980s color photo of outdoor Gate City Federal Savings Bank sign featuring Totally Free Checking


Weathering the Storms

Despite the challenges of a recession and rising regulations, Gate City continued working tirelessly to serve customers – becoming the first in the state to offer adjustable-rate mortgages.

1990s color photo of former president and CEO Steve Swiontek posing with Fargo police officers after donating protective helmets


Leading Locally

As the only mutually owned bank in North Dakota, Gate City maintained local control – allowing us to focus on long-term programs and invest profits back into the communities we serve.

2000s color photo of five happy team members lined up and smiling while dressed as Gate City Bank cookies


The Sweetest Culture

Gate City Bank grew to 30 locations, becoming widely known for our exemplary customer service and fun culture – oh, and the best cookies in town.

2010s color photo of president and CEO Kevin Hanson volunteering at food pantry with fellow team members


Forward Thinking

In addition to making the most of new technologies, the bank continued leading the way with community giving and innovative programs, such as our BetterLife™ Student Loan – the first and only program of its kind in the nation.

Beautiful evening view of Gate City Bank’s blue lights during the holiday season in downtown Fargo, ND


Onward and Upward

In the face of an unprecedented pandemic, the bank discovered new ways to go above and beyond for our customers. And now, with 45 locations in ND and central MN, it’s just getting better.

Download eBook for Apple Devices

End of the timeline.

Today. Tomorrow. Together.

sorting blue food pantry bags in West Fargo, ND

About Us

At Gate City Bank, we have a wonderful story to tell. It's aligned with our core purpose, focusing on investing in our customers, communities and team members. Learn more about us!

Gate City Bank’s executive leadership team gathers together for a group photo


Get to know our executive leaders, thoughtfully guiding the future of Gate City Bank with excellence, passion and innovation.

Gate City Bank's board members gather next to a conference room table and smile at the camera

Board of Directors

Meet our board of directors who help support Gate City Bank’s strategic goals and commitment to delivering best-in-class service to our customers.