Bank Comparison
Bell Bank vs Popular Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Bell Bank | Popular Bank |
|---|---|---|
| CET1 Ratio | 11.51% | 14.24% |
| Tier 1 Capital Ratio | 11.51% | 14.24% |
| Total Capital Ratio | 12.61% | 15.07% |
| Tier 1 Leverage Ratio | 9.83% | 11.48% |
| Equity / Assets | 9.78% | 14.22% |
Profitability
| Metric | Bell Bank | Popular Bank |
|---|---|---|
| Return on Assets (ROA) | 0.95% | 0.98% |
| Return on Equity (ROE) | 9.77% | 7.01% |
| Net Interest Margin (NIM) | 2.77% | 3.12% |
| Yield on Earning Assets | 5.11% | 5.53% |
| Cost of Funds | 2.51% | 2.71% |
Asset quality
| Metric | Bell Bank | Popular Bank |
|---|---|---|
| Texas Ratio | 8.30% | 5.32% |
| Non-Performing Loan Ratio | 1.01% | 0.85% |
| Non-Performing Asset Ratio | 0.88% | 0.66% |
| Net Charge-Off Ratio | 0.02% | 0.04% |
| ACL / Loans | 1.04% | 0.79% |
Balance sheet
| Metric | Bell Bank | Popular Bank |
|---|---|---|
| Total Assets | $14,816M | $14,953M |
| Total Deposits | $12,670M | $12,230M |
| Total Loans | $12,797M | $11,615M |
| Total Equity | $1,449M | $2,125M |
| Net Income (quarter) | $34,969K | $36,965K |
Liquidity & funding
| Metric | Bell Bank | Popular Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 101.01% | 94.97% |
| Core Deposit Ratio | 94.82% | 88.63% |
| Uninsured Deposit Ratio | 24.68% | 32.49% |
Identity
| Metric | Bell Bank | Popular Bank |
|---|---|---|
| Headquarters City | FARGO | NEW YORK |
| Headquarters State | ND | NY |
| Asset Tier | Regional | Regional |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 34 | 38 |
| Employees (FTE) | 1,918 | 795 |
| Established | May 6, 1966, midnight | Jan. 2, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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