Bank Safety Analysis
Is Bell Bank Safe? Fargo, North Dakota
Based on its Q3 2026 call report, Bell Bank meets every capital ratio test for well capitalized, its Texas ratio is 3.50%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Bell Bank safe?
On its Q3 2026 call report, Bell Bank's CET1 ratio is 11.01%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 11.01%
- Tier 1 leverage ratio (Q3 2026): 9.74%
- Texas ratio (Q3 2026): 3.50%
- Noncurrent loans ratio (Q3 2026): 0.94%
Bell Bank is an FDIC-insured commercial bank (FDIC Certificate #19581). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Bell Bank (FDIC Certificate #19581) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Bell Bank meets regulatory minimums but is on the watch band for 1 of 5 safety dimensions. 2 risk screens are flagged: loan-to-deposit ratio and commercial real estate to capital.
The standout move of Q3 2026 was in return on assets: 0.41 percentage points lower than in Q2 2026, at 0.52%. Within North Dakota, Bell Bank is 21st of 24 on CET1 ratio, 11.01% as of Q3 2026. Bell Bank reported 11.01% on CET1 ratio for Q3 2026, 1.87 points below the 12.88% median for banks in the $10B-100B asset tier.
From Q4 2023 to Q3 2026, Bell Bank's CET1 ratio ranged between 10.67% (Q4 2023) and 11.94% (Q2 2025) and its Texas ratio ranged between 3.05% (Q3 2025) and 5.12% (Q2 2024). Between Q3 2025 and Q3 2026, Bell Bank's CET1 ratio fell from 11.89% to 11.01%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.75% to 0.94%, Texas ratio rose from 3.05% to 3.50% and return on assets fell from 0.68% to 0.52%.
Bell Bank ranks as the largest of the 60 banks based in North Dakota, by total assets at Q3 2026. 1-4 family residential loans are its largest loan category, $4.60B of $13.53B in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, Bell Bank's CET1 ratio of 11.01% is below the 12.88% median, Tier 1 leverage ratio of 9.74% is below the 10.21% median, nonperforming loans ratio of 0.94% is above the 0.67% median, Texas ratio of 3.50% is below the 4.26% median, and efficiency ratio of 78.13% is above the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Bell Bank's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Bell Bank score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does Bell Bank trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 11.01% | Within range |
| Texas ratio BankRegReports band | 3.50% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.94% | Within range |
| Uninsured deposit share BankRegReports band | 24.97% | Within range |
| Loan-to-deposit ratio BankRegReports band | 104.81% | Flagged |
| Commercial real estate to capital BankRegReports band | 279.63% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 11.01% |
| Q2 2026 | 11.33% |
| Q1 2026 | 11.51% |
| Q4 2025 | 11.49% |
| Q3 2025 | 11.89% |
| Q2 2025 | 11.94% |
| Q1 2025 | 11.88% |
| Q4 2024 | 11.58% |
| Q3 2024 | 11.35% |
| Q2 2024 | 11.09% |
| Q1 2024 | 10.86% |
| Q4 2023 | 10.67% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 3.50% |
| Q2 2026 | 3.48% |
| Q1 2026 | 3.41% |
| Q4 2025 | 3.80% |
| Q3 2025 | 3.05% |
| Q2 2025 | 3.70% |
| Q1 2025 | 3.67% |
| Q4 2024 | 4.12% |
| Q3 2024 | 3.86% |
| Q2 2024 | 5.12% |
| Q1 2024 | 4.46% |
| Q4 2023 | 3.46% |
Loans by type, Q3 2026
- 1-4 family residential loans: $4.60B
- Non-owner-occupied commercial real estate loans: $2.77B
- Commercial and industrial loans: $2.18B
- Multifamily loans: $1.26B
- Owner-occupied commercial real estate loans: $1.03B
- Construction and land development loans: $427.2M
- Loans to nondepository financial institutions: $425.6M
- Loans to states and political subdivisions: $118.3M
How have Bell Bank's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $15.28B | 11.01% | 9.74% | 0.94% | 3.50% | 78.13% |
| Jun 30, 2026 | $15.18B | 11.33% | 9.98% | 0.90% | 3.48% | 69.39% |
| Mar 31, 2026 | $14.82B | 11.51% | 9.83% | 0.94% | 3.41% | 71.70% |
| Dec 31, 2025 | $14.44B | 11.49% | 9.77% | 0.89% | 3.80% | 78.23% |
| Sep 30, 2025 | $14.14B | 11.89% | 9.98% | 0.75% | 3.05% | 75.72% |
| Jun 30, 2025 | $14.07B | 11.94% | 9.89% | 0.72% | 3.70% | 76.00% |
| Mar 31, 2025 | $14.50B | 11.88% | 9.50% | 0.75% | 3.67% | 78.34% |
| Dec 31, 2024 | $14.53B | 11.58% | 9.36% | 0.76% | 4.12% | 83.85% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Bell Bank FDIC insured?
Yes. Bell Bank is an FDIC-insured commercial bank (FDIC Certificate #19581). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Bell Bank well capitalized?
On its Q3 2026 call report, Bell Bank's CET1 ratio is 11.01%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Bell Bank's key safety ratios?
For Q3 2026, Bell Bank reports CET1 11.01%, leverage 9.74%, Texas ratio 3.50%, noncurrent loans 0.94%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if Bell Bank fails?
For Q3 2026, Bell Bank reported $12.91B in total deposits, 24.97% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Bell Bank profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Bell Bank fails or is near these bands: Efficiency Ratio, pass ≤ 75% (lower is better) and fail ≥ 90%. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 19581) · FFIEC NIC profile (RSSD 929352)
Explore: Full Bell Bank profile · Other banks in ND · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.