Bell Bank: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
Bell Bank reported all 23 line items on this page on its Q3 2026 filing. CET1 capital ratio was 11.01% in Q3 2026, down 0.88 percentage points from 11.89% in Q3 2025. Across the 12 quarters shown it ranged from 10.67% (Q4 2023) to 11.94% (Q2 2025).
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 3.68 percentage points lower than in Q2 2026, at 110.24%. On return on assets, Bell Bank is 1st from the bottom among 60 North Dakota banks, 0.52% (Q3 2026). Bell Bank's return on assets of 0.52% is well below the 1.25% median for banks in the $10B-100B asset tier, a gap of 0.74 points (Q3 2026).
Capital adequacy
Largest change in this table: CET1 capital ratio, down 0.32 points to 11.01% in Q3 2026 after 11.33% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 12.10% |
| Tier 1 leverage ratio | 9.74% |
| Equity capital to assets | 9.70% |
| Tangible equity to tangible assets | 9.63% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.94% |
| Nonperforming assets ratio | 0.84% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 3.50% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of nonperforming loans | 110.24% |
Earnings
Largest change in this table: return on equity, down 3.99 points to 5.28% in Q3 2026 after 9.27% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 0.52% |
| Return on equity | 5.28% |
| Net interest margin | 3.03% |
| Efficiency ratio | 78.13% |
| Yield on earning assets | 5.37% |
| Cost of funds | 2.53% |
Liquidity and funding
Largest change in this table: deposits to assets, up 3.05 points to 84.48% in Q3 2026 after 81.43% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 104.81% |
| Core deposits to total deposits | 86.09% |
| Brokered deposits to total deposits | 8.89% |
| Deposits to assets | 84.48% |
| Securities to assets | 1.16% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 10.67% | 10.67% | 11.77% | 9.39% | 0.45% |
| Q1 2024 | 10.86% | 10.86% | 11.97% | 9.30% | 0.42% |
| Q2 2024 | 11.09% | 11.09% | 12.20% | 9.66% | 0.45% |
| Q3 2024 | 11.35% | 11.35% | 12.48% | 9.57% | 0.41% |
| Q4 2024 | 11.58% | 11.58% | 12.70% | 9.36% | 0.36% |
| Q1 2025 | 11.88% | 11.88% | 13.01% | 9.50% | 0.55% |
| Q2 2025 | 11.94% | 11.94% | 13.04% | 9.89% | 0.67% |
| Q3 2025 | 11.89% | 11.89% | 12.98% | 9.98% | 0.68% |
| Q4 2025 | 11.49% | 11.49% | 12.60% | 9.77% | 0.49% |
| Q1 2026 | 11.51% | 11.51% | 12.61% | 9.83% | 0.95% |
| Q2 2026 | 11.33% | 11.33% | 12.42% | 9.98% | 0.92% |
| Q3 2026 | 11.01% | 11.01% | 12.10% | 9.74% | 0.52% |
Bell Bank vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and 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)