Bell Bank: Peer Group Comparison
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Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bell Bank of Fargo, ND against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.
How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.
Profitability
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| ROAA | 0.52% | 1.31% | -0.79% | 7th worst quarter |
| ROAE | 5.28% | 11.12% | -5.84% | 8th worst quarter |
| Net Interest Margin | 3.03% | 3.67% | -0.64% | 19th worst quarter |
| Efficiency Ratio | 78.13% | 53.24% | +24.89% | 96th worst quarter |
| PPNR / Avg Assets | 0.86% | 1.88% | -1.02% | 6th worst quarter |
| Yield on Earning Assets | 5.37% | 5.46% | -0.09% | 42nd |
| Cost of Funds | 2.53% | 1.98% | +0.55% | 78th worst quarter |
| Net Interest Spread | 2.38% | 2.98% | -0.60% | 21st worst quarter |
Asset Quality
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| NPL / Total Loans | 0.94% | 0.67% | +0.27% | 72nd worse half |
| NPA / Total Assets | 0.84% | 0.49% | +0.35% | 78th worst quarter |
| NCO / Avg Loans | 0.03% | 0.14% | -0.11% | 14th best quarter |
| ACL / Total Loans | 1.03% | 1.12% | -0.09% | 36th |
| ACL / NPLs (Coverage) | 110.24% | 181.80% | -71.56% | 21st worst quarter |
| Texas Ratio | 3.50% | 4.26% | -0.76% | 38th better half |
| Provision / NCO | 722.02% | 113.11% | +608.91% | 97th |
| CRE / Total Capital | 279.63% | 217.03% | +62.60% | 81st worst quarter |
Capital Adequacy
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| CET1 Ratio | 11.01% | 12.93% | -1.92% | 4th worst quarter |
| Tier 1 Ratio | 11.01% | 13.04% | -2.03% | 3rd worst quarter |
| Total Capital Ratio | 12.10% | 14.24% | -2.14% | 4th worst quarter |
| Leverage Ratio | 9.74% | 10.21% | -0.47% | 37th worse half |
| Equity / Assets | 9.70% | 11.26% | -1.56% | 24th worst quarter |
| TCE / Tangible Assets | 9.63% | 9.38% | +0.25% | 58th better half |
Liquidity & Funding
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Loan / Deposit | 104.81% | 86.53% | +18.28% | 94th |
| Core Deposit Ratio | 86.09% | 91.81% | -5.72% | 28th worse half |
| Uninsured Deposit Ratio | 24.97% | 39.38% | -14.41% | 21st best quarter |
| Borrowings / Total Assets | 3.84% | 3.64% | +0.20% | 53rd worse half |
Growth & Management
| Metric | This bank | Peer median | Diff | Percentile and standing |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.09% | 5.37% | +2.72% | 70th |
| Loan Growth (Y/Y) | 10.47% | 6.53% | +3.94% | 66th |
| Deposit Growth (Y/Y) | 7.16% | 4.86% | +2.30% | 59th |
See Bell Bank's peers by name
The 124 banks in this peer group, by name · build custom peer groups · percentile history · watchlist alerts
Unlock this bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bell Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bell Bank peer analysis.