Bell Bank: Deposit Base
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Data as of · Call Report Schedules RC-E and RC-O How we update
On its Q3 2026 filing, Bell Bank reported 22 of the 23 line items on this page. It did not report foreign office deposits. Total deposits was $12.91B in Q3 2026, up 7.2% from $12.05B in Q3 2025. That is 84.5% of its total assets. Across the 12 quarters shown it ranged from $11.98B (Q2 2024) to $12.91B (Q3 2026).
The standout move of Q3 2026 was in Deposits to total liabilities: 3.38 percentage points higher than in Q2 2026, at 93.55%. Bell Bank has the highest total deposits of the 60 banks headquartered in North Dakota, $12.91B as of Q3 2026. Bell Bank reported $12.91B on total deposits for Q3 2026, 29% below the $18.20B median for banks in the $10B-100B asset tier.
Deposit totals
| Line item | Q3 2026 |
|---|---|
| Total deposits | $12.91B |
| Domestic office deposits | $12.91B |
| Foreign office deposits | — |
| Deposits to total assets | 84.48% |
| Deposits to total liabilities | 93.55% |
Source: Call Report Schedule RC: Total deposits (item 13.a, RCON2200).
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Deposit composition
Largest change in this table: noninterest-bearing share of deposits, down 1.29 points to 17.33% in Q3 2026 after 18.62% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Demand deposits | $5.60B |
| Savings deposits | $200.8M |
| Transaction accounts to domestic deposits | 49.36% |
| Time deposits to total deposits | 18.44% |
| Time deposits under $100k | $1.13B |
| Time deposits $100k to $250k | $601.1M |
| Time deposits over $250k | $648.7M |
| Noninterest-bearing share of deposits | 17.33% |
Stability of funding
Brokered deposits moved most in this table, up 14.4%: $1.00B in Q2 2026, $1.15B in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Core deposits | $11.11B |
| Core deposits to total deposits | 86.09% |
| Insured deposits | $9.71B |
| Uninsured deposits | $3.22B |
| Uninsured deposits to total deposits | 24.97% |
| Brokered deposits | $1.15B |
| Brokered deposits to total deposits | 8.89% |
Cost of deposits
Loans and leases to core deposits moved most in this table, down 2.40 points: 112.76% in Q2 2026, 110.36% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of interest-bearing deposits | 3.04% |
| Interest expense on deposits | $78.8M |
| Loans and leases to core deposits | 110.36% |
Deposit Base trend
Deposit Base by quarter
| Quarter | Total deposits | Core deposits | Uninsured deposits | Brokered deposits | Cost of interest-bearing deposits |
|---|---|---|---|---|---|
| Q4 2023 | $12.46B | 80.73% | 19.26% | 15.42% | 4.23% |
| Q1 2024 | $12.19B | 83.10% | 20.07% | 12.36% | 4.33% |
| Q2 2024 | $11.98B | 85.04% | 19.61% | 10.44% | 4.26% |
| Q3 2024 | $12.15B | 77.90% | 20.28% | 16.45% | 4.42% |
| Q4 2024 | $12.73B | 79.05% | 21.34% | 16.03% | 4.08% |
| Q1 2025 | $12.68B | 82.25% | 21.32% | 12.94% | 3.63% |
| Q2 2025 | $12.03B | 81.19% | 23.12% | 13.75% | 3.55% |
| Q3 2025 | $12.05B | 84.62% | 24.74% | 9.87% | 3.49% |
| Q4 2025 | $12.38B | 85.84% | 24.84% | 8.76% | 3.27% |
| Q1 2026 | $12.67B | 86.28% | 24.68% | 8.54% | 3.01% |
| Q2 2026 | $12.36B | 86.78% | 25.29% | 8.11% | 2.93% |
| Q3 2026 | $12.91B | 86.09% | 24.97% | 8.89% | 3.04% |
Bell Bank deposit base, quarter by quarter
Deposit Base since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC-E and RC-O, 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)