Bell Bank: Yields and Funding Costs
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Data as of · Call Report Schedules RI and RC-K How we update
Bell Bank reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 5.37% in Q3 2026, up 0.10 percentage points from 5.27% in Q3 2025. Across the 12 quarters shown it ranged from 4.99% (Q1 2025) to 5.37% (Q3 2026).
The largest change between Q2 2026 and Q3 2026 was in Total interest expense, which rose 5.4% to $83.5M. On net interest margin, Bell Bank is 3rd from the bottom among 60 North Dakota banks, 3.03% (Q3 2026). The median for banks in the $10B-100B asset tier is 3.65% on net interest margin. Bell Bank sits 0.62 points lower, at 3.03% (Q3 2026).
Asset yields
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 earning assets | 5.37% |
| Yield on loans | 5.49% |
| Yield on securities | 3.09% |
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Funding costs
Cost of borrowings changed the most here, down 0.18 points to 4.02% in Q3 2026 from 4.20% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 2.53% |
| Cost of interest-bearing deposits | 3.04% |
| Cost of interest-bearing liabilities | 2.99% |
| Cost of borrowings | 4.02% |
Spread and margin
Net interest margin moved most in this table, up 0.05 points: 2.98% in Q2 2026, 3.03% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 3.03% |
| Yield to cost spread | 2.38% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $177.9M |
| Total interest expense | $83.5M |
| Interest expense on deposits | $78.8M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 5.16% | 3.58% | 1.79% | 5.19% | 2.24% |
| Q1 2024 | 5.17% | 3.51% | 1.78% | 5.17% | 2.09% |
| Q2 2024 | 5.19% | 3.62% | 1.81% | 5.23% | 1.97% |
| Q3 2024 | 5.27% | 3.75% | 1.78% | 5.30% | 2.42% |
| Q4 2024 | 5.15% | 3.44% | 1.92% | 5.22% | 2.91% |
| Q1 2025 | 4.99% | 3.11% | 2.07% | 5.10% | 2.74% |
| Q2 2025 | 5.15% | 3.03% | 2.33% | 5.26% | 2.55% |
| Q3 2025 | 5.27% | 3.03% | 2.44% | 5.36% | 2.41% |
| Q4 2025 | 5.22% | 2.75% | 2.66% | 5.35% | 2.40% |
| Q1 2026 | 5.11% | 2.50% | 2.77% | 5.26% | 2.72% |
| Q2 2026 | 5.27% | 2.46% | 2.98% | 5.36% | 2.99% |
| Q3 2026 | 5.37% | 2.53% | 3.03% | 5.49% | 3.09% |
Bell Bank yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)