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Bell Bank
Fargo, ND · FDIC Certificate #19581 · Chartered 05/0
Total assets
$15.18B
Total deposits
$12.36B
Total equity
$1.47B
Net loans
$13.09B
Branches (offices)
33
Net income (YTD)
$68.82M
Rank: #128 of 4,213 U.S. banks by assets · #1 of 60 in North Dakota. Assets changed 7.9% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 9.53% |
| Net interest margin (YTD) | 2.88% |
| Equity to assets | 9.70% |
| Tier 1 leverage ratio | 9.98% |
| Uninsured deposits (share of deposits) | 25.3% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 105.9% |
| Real estate loans (share of loans) | 77.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $10.18B | 77.7% | |
| Commercial & industrial | $2.10B | 16.1% | |
| Consumer / individual | $199.22M | 1.5% | |
| Construction & development | $433.00M | 3.3% | |
| Agricultural | $108.08M | 0.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $11.03B | $9.45B | $69.89M | $1.06B |
| Jun 2023 | $13.45B | $11.66B | $36.41M | $1.25B |
| Jun 2024 | $13.93B | $11.98B | $29.83M | $1.32B |
| Jun 2025 | $14.07B | $12.03B | $43.32M | $1.40B |
| Jun 2026 | $15.18B | $12.36B | $68.82M | $1.47B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $6.75B | 17 |
| North Dakota | $3.45B | 11 |
| Arizona | $2.16B | 4 |
| Idaho | $0 | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $12.36B.
Similar-sized banks
First Financial Bank ($15.23B) · Dime Commercial Bank ($15.03B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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