FARGO, N.D. – Mature neighborhoods across North Dakota and central Minnesota are about to get a big boost as Gate City Bank joins forces with 14 cities on revitalization efforts. Beginning March 16, local homeowners can apply for below-market interest rate loans from $10,000 to $100,000 to make repairs and home improvements.

Qualifying projects for the bank’s home improvement programs range from patio additions and new garages to safety repairs like furnace replacements and accessibility adjustments. Funds may also be used to address code and structural corrections, energy improvements and general property upgrades.

“At Gate City Bank, we’re deeply grateful for the trust our communities place in us, and we’re committed to providing solutions that help them thrive,” said Jeana Marshall, Senior Vice President of Personal Lending Operations. “These partnerships allow us to make a meaningful difference for local homeowners while helping keep our neighborhoods beautiful and strong.”

Gate City Bank has been supporting and investing in this initiative for local communities since 2003, contributing $127 million overall. In 2026 alone, the bank has allocated more than $20 million. Programs will be available for the following cities:
North Dakota
 Fargo ($2 million)
 Bismarck ($2 million)
 Grand Forks ($2 million)
 West Fargo ($2 million)
 Dickinson ($1 million)

North Dakota (cont.)
 Mandan ($2 million)
 Jamestown ($1 million)
 Wahpeton ($1 million)
 Williston ($2 million)
 Devils Lake ($1 million)

Minnesota
 Moorhead ($2 million)
 Sauk Rapids ($2 million)
 East Grand Forks ($2 million)
 Breckenridge ($1 million)

Applications are open for a limited time. Projects must generally fall within the boundaries of participating cities.
Each application is subject to credit qualification and a home evaluation, and each will be reviewed on a first-come,
first-served basis as funds are available. Each location may have varied rates and requirements. To learn more, please
visit GateCity.Bank/CityPrograms