Bell Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Bell Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $15.2 billion at June 30, 2026, up 7.9% from a year earlier; it is based in Fargo, North Dakota. It holds common equity equal to 11.33% of its risk-weighted assets, lower than about 9 in 10 of the 127 banks with $10 billion to $100 billion in assets (median 12.98%). It also spends about 69 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 53 cents).
Earnings jumped: net income for the quarter was $34 million, 43% above the same quarter a year earlier. Over the same year, loans grew 8.8% and deposits grew 2.8%. Profitability lags: it earns about $0.92 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.32).
As of June 30, 2026, Bell Bank reported a CET1 capital ratio of 11.33%, a return on assets of 0.92%, a nonperforming-loan ratio of 0.97% and a Texas ratio of 3.48%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 520 Main Ave, Fargo, ND 58103
- County
- Cass
- Metro Area
- Fargo, ND-MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 6, 1966
- Former names
- Bell State Bank & Trust (2012-2016); State Bank & Trust (2003-2012); State Bank of Fargo (1975-2003)
- Offices
- 33 domestic
- Employees (FTE)
- 1,945
- Domestic deposits
- $12.36B
- Allowance for credit losses
- $135.3M
- Net charge-offs (YTD)
- $1.4M
- Average total assets
- $14.65B
- Average total loans
- $12.68B
- Average interest-bearing deposits
- $10.08B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 6, 1966
- FDIC Cert
- 19581
- Fed RSSD
- 929352
- SEC CIK
- 1861092 → filed by STATE BANKSHARES, INC.
- Website
- www.bell.bank →
- Parent Holding Company
- STATE BANKSHARES, INC. (RSSD 1417333)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bell Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bell Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bell Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.33% | 0.92% | 0.97% | 3.48% | 2.98% |
| Q1 2026 | 11.51% | 0.95% | 1.01% | 3.41% | 2.77% |
| Q4 2025 | 11.49% | 0.49% | 0.96% | 3.80% | 2.66% |
| Q3 2025 | 11.89% | 0.68% | 0.90% | 3.05% | 2.44% |
| Q2 2025 | 11.94% | 0.67% | 0.89% | 3.70% | 2.33% |
| Q1 2025 | 11.88% | 0.55% | 0.91% | 3.67% | 2.07% |
| Q4 2024 | 11.58% | 0.36% | 0.87% | 4.12% | 1.92% |
| Q3 2024 | 11.35% | 0.41% | 0.76% | 3.86% | 1.78% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 33 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Colonnade Branch | Golden Valley , MN | 55416 | $3.23B |
| Bloomington Bell Plaza Branch | Bloomington , MN | 55431 | $1.38B |
| Phoenix-Biltmore Branch | Phoenix , AZ | 85016 | $1.00B |
| Center Branch | Fargo , ND | 58103 | $988.0M |
| Peoria (Arrowhead) Branch | Peoria , AZ | 85382 | $922.2M |
| North Broadway Branch | Fargo , ND | 58102 | $469.1M |
| Fargo Bell Tower - Headquarters Branch | Fargo , ND | 58103 | $462.7M |
| Moorhead Branch | Moorhead , MN | 56560 | $439.6M |
| West Fargo Branch | West Fargo , ND | 58078 | $427.3M |
| Wahpeton Branch | Wahpeton , ND | 58075 | $298.1M |
| Alexandria Branch | Alexandria , MN | 56308 | $286.2M |
| South Branch | Fargo , ND | 58103 | $269.6M |
| Detroit Lakes Branch | Detroit Lakes , MN | 56501 | $256.2M |
| Fergus Falls Branch | Fergus Falls , MN | 56537 | $250.3M |
| Timber Creek Office Branch | Fargo , ND | 58104 | $231.4M |
| Gilbert (Val Vista) Branch | Gilbert , AZ | 85297 | $225.4M |
| Duluth Branch | Duluth , MN | 55802 | $185.7M |
| Time Square Branch | Fargo , ND | 58103 | $158.6M |
| Hawley Branch | Hawley , MN | 56549 | $151.2M |
| Pelican Rapids Branch | Pelican Rapids , MN | 56572 | $142.1M |
| Maple Grove Branch | Maple Grove , MN | 55369 | $113.3M |
| Woodbury Branch | Woodbury , MN | 55125 | $96.0M |
| Veterans Boulevard | Fargo , ND | 58104 | $86.6M |
| Dilworth Branch | Dilworth , MN | 56529 | $73.9M |
| Grand Forks-South Branch | Grand Forks , ND | 58201 | $62.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 22, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 21, 2013 | Structure Change | Acquired The Business Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 23, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 22, 2012 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 1, 2005 | Structure Change | Acquired First State Bank of Audubon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 31, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 2, 2004 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
| January 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 2, 2003 | Structure Change | Acquired State Bank of West Fargo Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 10 events.
Regulatory record
What the public regulatory sources show for Bell Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 8.1% of deposits in ND, rank 2 of 70 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 14,549 applications, 11,534 loans originated, $3.92B originated, across 38 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 54 loans, $27.6M approved, $511K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 6 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2020-Q2 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bell Bank
What are Bell Bank's total assets?
As of the Q2 2026 filing, Bell Bank reported total assets of $15.18 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bell Bank headquartered?
Bell Bank is headquartered in Fargo, ND, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Bell Bank founded?
Bell Bank was established in 1966, per the FDIC institution directory.
Is Bell Bank FDIC-insured?
Yes. Bell Bank is an FDIC-insured commercial bank (FDIC Certificate #19581). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bell Bank?
Bell Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bell Bank's CET1 capital ratio?
Bell Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.33% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bell Bank operate?
Bell Bank operates 33 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bell Bank's Texas Ratio?
Bell Bank's Texas Ratio is 3.48% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Bell Bank previously called?
The charter now named Bell Bank has also operated as Bell State Bank & Trust (2012-2016), State Bank & Trust (2003-2012), State Bank of Fargo (1975-2003), per FDIC structure-change records.
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