Bell Bank

What sets Bell Bank apart

• Few banks of $10 bn to $100 bn report a higher efficiency ratio than Bell Bank, at 70.65% in Q2 2026 against a group median of 55.14%.
• Over the year to Q2 2026, the net interest margin of Bell Bank rose by 0.69 pp to 2.88%, a bigger rise than at 96% of covered banks.

How large is Bell Bank?

The balance sheet of Bell Bank at Q2 2026: assets $15.2 bn, deposits $12.4 bn, net loans $13.1 bn (loans equal to 105.90% of deposits). Securities make up 1.2% of total assets at Bell Bank. Since Q1 2016, when Bell Bank held $3.9 bn, its assets grew 290.4%. In the year to Q2 2026, deposits at Bell Bank rose 2.8% while its total assets rose 7.9%. At Q2 2026, Bell Bank employed 1,945 full-time equivalent staff across 33 offices, about $7.8 mn of assets per employee and $374.6 mn of deposits per office.

How much funding at Bell Bank is uninsured?

At Bell Bank, uninsured deposits (above the FDIC limit) made up 25.29% of domestic deposits at Q2 2026 (+2.17 pp on a year earlier); Bell Bank ranks 375th of 500 on this measure. In dollars, Bell Bank estimated $3.1 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Bell Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Bell Bank stood at 11.33% in Q2 2026, -0.61 pp year on year. Low and high at Bell Bank since Q1 2016: 9.86% (Q2 2016) to 13.18% (Q4 2020). Equity capital of Bell Bank at Q2 2026: $1.5 bn, or 9.7% of total assets. Bell Bank also reported a total capital ratio of 12.42% for Q2 2026, and a tier 1 leverage ratio of 9.98%.

The available-for-sale portfolio of Bell Bank showed an unrealized loss of $4.8 mn at Q2 2026; the loss narrowed by $1.8 mn over the year.

For the year to Q2 2026, Bell Bank earned a return on equity of 9.53%; return on assets: 0.93%. Net interest margin at Bell Bank: 2.88%, +0.69 pp in a year. Bell Bank net income: $68.8 mn, up 58.9% year on year. The efficiency ratio of Bell Bank was 70.65%: about 71 cents cost per revenue dollar, against 52 cents at the median peer.

At Q2 2026, noncurrent loans were 0.90% of total loans at Bell Bank; net charge-offs: 0.02% of average loans. Gross loans and leases at Bell Bank: $13.2 bn, up 8.8% in a year.

The peer group of Bell Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 0 share the charter type of Bell Bank (state nonmember bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in North Dakota. Against them, Bell Bank shows CET1 ratio 11.33% against a peer median of 14.54%, return on equity 9.53% against a peer median of 7.50% and uninsured deposit share 25.29% against a peer median of 32.27%.

No merger or acquisition by Bell Bank appears in the FDIC history since Q1 2016, and its total assets never moved more than 25% in one quarter.