Bell Bank: Liquidity and Borrowings
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Data as of · Call Report Schedules RC and RC-M How we update
Bell Bank reported all 15 line items on this page on its Q3 2026 filing. Cash and balances due from depository institutions was $762.4M in Q3 2026, down 25.3% from $1.02B in Q3 2025. That is 5.0% of its total assets. Across the 12 quarters shown it ranged from $671.6M (Q1 2024) to $1.72B (Q1 2025).
Fed funds purchased and repos dropped 68.7% in Q3 2026, from $33.5M to $10.5M. It was the largest change from Q2 2026 among the key lines here. Within North Dakota, Bell Bank is 7th of 60 on loan-to-deposit ratio, 104.81% as of Q3 2026. The median for banks in the $10B-100B asset tier is 85.97% on loan-to-deposit ratio. Bell Bank sits 18.85 points higher, at 104.81% (Q3 2026).
Liquid assets
Cash and balances due from depository institutions changed the most here, down 19.0% to $762.4M in Q3 2026 from $941.2M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cash and balances due from depository institutions | $762.4M |
| Cash and noninterest-bearing balances to assets | 4.99% |
| Cash and securities | $938.9M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
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Borrowed funds
| Line item | Q3 2026 |
|---|---|
| Fed funds purchased and repos | $10.5M |
| Other borrowed money | $576.5M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 3.77% |
| Trading liabilities | $0 |
Funding structure
Loans and leases to core deposits changed the most here, down 2.40 points to 110.36% in Q3 2026 from 112.76% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 104.81% |
| Net loans and leases to deposits | 103.73% |
| Loans and leases to core deposits | 110.36% |
| Core deposits to total deposits | 86.09% |
| Brokered deposits to total deposits | 8.89% |
Liquidity and Borrowings trend
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q4 2023 | 99.58% | 80.73% | $35.9M | $38.4M |
| Q1 2024 | 101.55% | 83.10% | $33.8M | $38.2M |
| Q2 2024 | 102.99% | 85.04% | $29.4M | $407.6M |
| Q3 2024 | 100.44% | 77.90% | $29.1M | $169.0M |
| Q4 2024 | 94.17% | 79.05% | $33.0M | $172.4M |
| Q1 2025 | 93.94% | 82.25% | $31.5M | $175.4M |
| Q2 2025 | 101.07% | 81.19% | $28.5M | $366.2M |
| Q3 2025 | 101.67% | 84.62% | $33.0M | $374.8M |
| Q4 2025 | 100.89% | 85.84% | $32.5M | $375.0M |
| Q1 2026 | 101.01% | 86.28% | $22.8M | $375.4M |
| Q2 2026 | 107.00% | 86.78% | $33.5M | $1.02B |
| Q3 2026 | 104.81% | 86.09% | $10.5M | $576.5M |
Bell Bank liquidity and borrowings, quarter by quarter
Liquidity and Borrowings since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC and RC-M, 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)