Bell Bank: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Bell Bank reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 11.01% in Q3 2026, down 0.88 percentage points from 11.89% in Q3 2025. Across the 12 quarters shown it ranged from 10.67% (Q4 2023) to 11.94% (Q2 2025).
Compared with Q2 2026, Risk-weighted assets rose 3.4% in Q3 2026 to $13.33B, the biggest move on this page. Within North Dakota, Bell Bank is 21st of 24 on CET1 ratio, 11.01% as of Q3 2026. Bell Bank reported 11.01% on CET1 ratio for Q3 2026, 1.87 points below the 12.88% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
Largest change in this table: common equity Tier 1 ratio, down 0.32 points to 11.01% in Q3 2026 after 11.33% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 9.74% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $1.47B |
| Tier 1 capital | $1.47B |
| Total risk-based capital | $1.61B |
| Total equity capital | $1.48B |
| Risk-weighted assets | $13.33B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCON3210).
Capital adequacy
Largest change in this table: equity capital to average assets, down 0.22 points to 9.83% in Q3 2026 after 10.05% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 9.70% |
| Tangible equity to tangible assets | 9.63% |
| Equity capital to average assets | 9.83% |
| Internal capital growth rate | 1.91% |
Capital structure
Largest change in this table: retained earnings, up 0.7% to $1.03B in Q3 2026 after $1.02B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $600K |
| Common stock surplus | $450.6M |
| Retained earnings | $1.03B |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $1.7M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 10.67% | 10.67% | 11.77% | 9.39% | $12.06B |
| Q1 2024 | 10.86% | 10.86% | 11.97% | 9.30% | $11.98B |
| Q2 2024 | 11.09% | 11.09% | 12.20% | 9.66% | $11.87B |
| Q3 2024 | 11.35% | 11.35% | 12.48% | 9.57% | $11.73B |
| Q4 2024 | 11.58% | 11.58% | 12.70% | 9.36% | $11.61B |
| Q1 2025 | 11.88% | 11.88% | 13.01% | 9.50% | $11.48B |
| Q2 2025 | 11.94% | 11.94% | 13.04% | 9.89% | $11.63B |
| Q3 2025 | 11.89% | 11.89% | 12.98% | 9.98% | $11.88B |
| Q4 2025 | 11.49% | 11.49% | 12.60% | 9.77% | $12.22B |
| Q1 2026 | 11.51% | 11.51% | 12.61% | 9.83% | $12.51B |
| Q2 2026 | 11.33% | 11.33% | 12.42% | 9.98% | $12.89B |
| Q3 2026 | 11.01% | 11.01% | 12.10% | 9.74% | $13.33B |
Bell Bank capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Bell Bank profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 19581) · FFIEC NIC profile (RSSD 929352)