Bell Bank: Income and Expense
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Data as of · Call Report Schedule RI How we update
Bell Bank reported all 18 line items on this page on its Q3 2026 filing. Net income was $19.5M in Q3 2026, down 18.9% from $24.1M in Q3 2025.
The standout move of Q3 2026 was in Provision for credit losses: 100.0% higher than in Q2 2026, at $6.0M. On return on assets, Bell Bank is 1st from the bottom among 60 North Dakota banks, 0.52% (Q3 2026). Against a median of 1.25% for banks in the $10B-100B asset tier, Bell Bank reported 0.52% on return on assets in Q3 2026, 0.74 points lower.
Net income
Net income changed the most here, down 42.4% to $19.5M in Q3 2026 from $33.9M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Net income | $19.5M |
| Return on assets | 0.52% |
| Return on equity | 5.28% |
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Interest income and expense
Total interest expense changed the most here, up 5.4% to $83.5M in Q3 2026 from $79.3M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $177.9M |
| Total interest expense | $83.5M |
| Interest expense on deposits | $78.8M |
| Net interest margin | 3.03% |
Noninterest income and expense
Efficiency ratio changed the most here, up 8.74 points to 78.13% in Q3 2026 from 69.39% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total noninterest expense | $117.1M |
| Salaries and general administrative expense | $83.2M |
| Amortization of intangibles | $0 |
| Other noninterest expense | $33.9M |
| Efficiency ratio | 78.13% |
Productivity
| Line item | Q3 2026 |
|---|---|
| Assets per employee | $7.8M |
| Revenue per employee | $304K |
| Full-time equivalent employees | 1,970 |
Credit costs and securities results
| Line item | Q3 2026 |
|---|---|
| Provision for credit losses | $6.0M |
| Provision expense to average assets | 0.16% |
| Realized gain/(loss) on securities | $0 |
Income and Expense trend
Each bar is that quarter alone, not a year-to-date total.
Lower is better: it is expense as a share of revenue.
Income and Expense by quarter
| Quarter | Net income | Return on assets | Return on equity | Efficiency ratio |
|---|---|---|---|---|
| Q4 2023 | $15.5M | 0.45% | 4.85% | 78.06% |
| Q1 2024 | $14.6M | 0.42% | 4.50% | 81.78% |
| Q2 2024 | $15.2M | 0.45% | 4.64% | 81.26% |
| Q3 2024 | $14.3M | 0.41% | 4.31% | 83.27% |
| Q4 2024 | $13.1M | 0.36% | 3.91% | 83.85% |
| Q1 2025 | $19.7M | 0.55% | 5.79% | 78.34% |
| Q2 2025 | $23.6M | 0.67% | 6.83% | 76.00% |
| Q3 2025 | $24.1M | 0.68% | 6.83% | 75.72% |
| Q4 2025 | $17.5M | 0.49% | 4.94% | 78.23% |
| Q1 2026 | $35.0M | 0.95% | 9.77% | 71.70% |
| Q2 2026 | $33.9M | 0.92% | 9.27% | 69.39% |
| Q3 2026 | $19.5M | 0.52% | 5.28% | 78.13% |
Bell Bank income and expense, quarter by quarter
Income and Expense since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RI, 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)