Bell Bank
Bell Bank is an FDIC-insured commercial bank headquartered in Fargo, ND, supervised by the FDIC, with $15.28B in total assets at Q3 2026, up 8.1% from Q3 2025, the largest of 60 banks headquartered in North Dakota. It was established in 1966 and holds FDIC certificate 19581. Its CET1 capital ratio was 11.01% at Q3 2026, above regulatory requirements.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19581
- Headquarters
- Fargo, ND
- Established
- 1966
- Total assets, Q3 2026
- $15.28B
- Assets vs Q3 2025
- +8.1%
- CET1 ratio, Q3 2026
- 11.01%
- Domestic offices
- 33 branches
- Routing number
- 091310521
- Safety and soundness
- Is Bell Bank safe?
- Latest call report
- Q3 2026, FFIEC 041 · Bell Bank call report
- Holding company
- STATE BANKSHARES, INC.
- Asset rank in state
- 1st of 60 in North Dakota
Bell Bank spends more to run itself than most banks of its size. The Fargo, North Dakota bank had $15.3 billion in assets at September 30, 2026, up 8.1% from a year earlier. It earns about $0.52 a year on every $100 of assets, about a third the median of $1.31 for the 124 banks with $10 billion to $100 billion in assets. It also spends about 78 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 53 cents).
Net income for the quarter slipped 19% from a year earlier, to $20 million. Over the same year, loans grew 10.5% and deposits grew 7.2%. Where it has less room is capital: it holds common equity equal to 11.01% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 12.93%).
As of September 30, 2026, Bell Bank reported a CET1 capital ratio of 11.01%, a return on assets of 0.52%, a nonperforming-loan ratio of 0.94% and a Texas ratio of 3.50%. The figures come from its call report filed with the FFIEC.
Of the 60 banks headquartered in North Dakota, Bell Bank is the largest by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 0.6% to $15.28B, loans rose 2.3% and deposits rose 4.4%. Its loan book on September 30, 2026 was led by 1-4 family residential loans, at 34.0% of total loans, followed by non-owner-occupied commercial real estate loans at 20.5%. The FDIC Summary of Deposits lists 33 offices for it, in 25 cities across 4 states; its Golden Valley office books 26% of its branch deposits. Judged on its Q3 2026 call report, Bell Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 33 branches
- Employees (FTE)
- 1,970
- Domestic deposits
- $12.91B
- Allowance for credit losses
- $139.5M
- Net charge-offs (YTD)
- $2.2M
- Average total assets
- $15.08B
- Average total loans
- $13.03B
- Average interest-bearing deposits
- $10.46B
- 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
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Bell Bank's total assets ranged from $13.74B (Q1 2024) to $15.28B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$15.28B total assets against $14.14B; $13.80B total liabilities against $12.72B.
$13.39B net loans and leases against $12.12B; $12.91B total deposits against $12.05B.
$176.5M securities against $150.9M; $762.4M cash and balances due against $1.02B.
$191.4M total interest income against $176.2M; $83.5M total interest expense against $94.9M.
$107.8M net interest income against $81.3M.
$41.7M total noninterest income against $58.9M; $117.1M total noninterest expense against $106.5M.
$6.0M provision for credit losses against $1.5M.
$19.5M net income against $24.1M.
0.52% return on assets against 0.68%; 3.03% net interest margin against 2.44%.
11.01% CET1 capital ratio against 11.89%; 9.74% tier 1 leverage ratio against 9.98%.
Inside the full Bell Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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. The 200% line is a BankRegReports watch band, not a supervisory threshold; the 2006 interagency guidance level is 300%. BankRegReports early-warning band below the 300% guidance.
Bell Bank rankings
Its closest position to the top of a national ranking is 124 of 4,193, for total assets; its furthest is 1,875 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 0.36% (Q4 2024) to 0.95% (Q1 2026) and its net interest margin ran from 1.92% (Q4 2024) to 3.03% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.01% | 0.52% | 0.94% | 3.50% | 3.03% |
| Q2 2026 | 11.33% | 0.92% | 0.90% | 3.48% | 2.98% |
| Q1 2026 | 11.51% | 0.95% | 0.94% | 3.41% | 2.77% |
| Q4 2025 | 11.49% | 0.49% | 0.89% | 3.80% | 2.66% |
| Q3 2025 | 11.89% | 0.68% | 0.75% | 3.05% | 2.44% |
| Q2 2025 | 11.94% | 0.67% | 0.72% | 3.70% | 2.33% |
| Q1 2025 | 11.88% | 0.55% | 0.75% | 3.67% | 2.07% |
| Q4 2024 | 11.58% | 0.36% | 0.76% | 4.12% | 1.92% |
Swipe the table sideways to see every column.
Branch Network
View all 33 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- 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
- 53 loans, $27.3M approved, $515K 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.
- Not on file
- Enforcement actions, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bell Bank
What are Bell Bank's total assets?
As of the Q3 2026 filing, Bell Bank reported total assets of $15.28 billion in its FFIEC call report.
Where is Bell Bank headquartered?
It is headquartered in Fargo, ND, United States.
When was Bell Bank founded?
It was established in 1966, per the FDIC institution directory.
Is Bell Bank FDIC-insured?
Yes. It 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.
What is Bell Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 11.01% in its Q3 2026 call report, above regulatory requirements.
How many branches does Bell Bank operate?
It 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?
Its Texas Ratio is 3.50% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
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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