Bell Bank: Loan Portfolio
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Data as of · Call Report Schedule RC-C How we update
Bell Bank reported all 18 line items on this page on its Q3 2026 filing. Total loans and leases was $13.53B in Q3 2026, up 10.5% from $12.25B in Q3 2025. That is 88.5% of its total assets. Across the 12 quarters shown it ranged from $11.91B (Q1 2025) to $13.53B (Q3 2026).
The standout move of Q3 2026 was in CRE concentration (Tier 1 capital + allowance): 6.54 percentage points higher than in Q2 2026, at 279.63%. Bell Bank ranks 7th of 60 North Dakota banks on loan-to-deposit ratio, in the upper half at 104.81% (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).
Loan totals
Largest change in this table: loans held for sale, down 24.8% to $353.6M in Q3 2026 after $470.2M in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $13.53B |
| Net loans and leases | $13.39B |
| Loans held for sale | $353.6M |
| Loans to total assets | 88.55% |
| Loan-to-deposit ratio | 104.81% |
| Net loans to equity capital | 9.04× |
Source: Call Report Schedule RC-C, Part I: Total loans and leases (item 12, RCON2122).
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Portfolio mix (share of total loans)
Largest change in this table: commercial real estate (nonfarm nonresidential), up 0.57 points to 28.08% in Q3 2026 after 27.51% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 28.08% |
| Multifamily (5+ residential) | 9.33% |
| Commercial and industrial | 16.11% |
| Consumer | 1.54% |
| Credit cards | 0.00% |
| Farm | 1.92% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.87% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 279.63% |
| Construction concentration (Tier 1 capital + allowance) | 26.58% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
Yield on loans moved most in this table, up 0.13 points: 5.36% in Q2 2026, 5.49% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 5.49% |
| Interest income on loans | $177.9M |
Loan Portfolio trend
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $12.41B | $12.46B | 28.35% | 17.33% | 1.88% |
| Q1 2024 | $12.38B | $12.19B | 29.49% | 16.59% | 1.85% |
| Q2 2024 | $12.34B | $11.98B | 28.73% | 16.05% | 2.01% |
| Q3 2024 | $12.21B | $12.15B | 28.87% | 16.71% | 1.70% |
| Q4 2024 | $11.99B | $12.73B | 28.89% | 14.63% | 1.73% |
| Q1 2025 | $11.91B | $12.68B | 29.10% | 14.20% | 1.95% |
| Q2 2025 | $12.15B | $12.03B | 28.34% | 14.70% | 1.90% |
| Q3 2025 | $12.25B | $12.05B | 28.64% | 14.41% | 1.92% |
| Q4 2025 | $12.49B | $12.38B | 28.61% | 15.00% | 1.62% |
| Q1 2026 | $12.80B | $12.67B | 28.00% | 15.51% | 1.67% |
| Q2 2026 | $13.23B | $12.36B | 27.51% | 15.90% | 1.51% |
| Q3 2026 | $13.53B | $12.91B | 28.08% | 16.11% | 1.54% |
Bell Bank loan portfolio, quarter by quarter
Loan Portfolio since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-C, 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)