What is Bell Bank's financial health grade?

Bell Bank has a TFS Financial Health Grade of D (score: 65.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Bell Bank have?

Bell Bank has 34 branch locations across the United States.

Is Bell Bank FDIC insured?

Yes, Bell Bank is FDIC insured (Certificate #19581).

What are the total assets of Bell Bank?

Bell Bank has total assets of $14.4B as reported in its most recent FDIC filing.

Bell Bank

BankFargo, North Dakota

www.bell.bank

Total Assets

$14.4B

Total Deposits

$12.4B

Branches

Established

1966

TFS Health Grade

65.1 / 100

Below average financial health

How we grade

Bell Bank is a bank headquartered in Fargo, North Dakota, established in 1966. With $14.4B in total assets and 33 branch locations, it has a TFS Financial Health Grade of D (65.1/100).

Capital & Safety

Tier 1 Capital Ratio

9.77%(8%)

Total Capital Ratio

12.60%(10%)

Non-Performing Loan Ratio

0.89%

Profitability

Return on Assets (ROA)

0.59%(1%)

Return on Equity (ROE)

6.11%(10%)

Net Interest Margin

2.38%

Efficiency Ratio

77.28%(60%)

Lending & Liquidity

Total Loans

$12.5B

Loan-to-Deposit Ratio

99.84%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

-0.62%

Deposit Growth (YoY)

-2.80%

Net Income

$84.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Bell BankHQ	520 Main Ave	Fargo	ND	21
Bell Bank	1850 E Northrop Blvd	Chandler	AZ	11
Bell Bank	3683 S Val Vista Dr	Gilbert	AZ	11
Bell Bank	6838 N 58th Drive	Glendale	AZ	11
Bell Bank	8349 W Bell Rd	Peoria	AZ	11
Bell Bank	2710 E Camelback Rd	Phoenix	AZ	11
Bell Bank	172 S Academy Ave	Eagle	ID	30
Bell Bank	1001 Broadway St	Alexandria	MN	11
Bell Bank	14091 Baxter Dr	Baxter	MN	11
Bell Bank	3800 American Blvd W	Bloomington	MN	11
Bell Bank	920 Lake Ave	Detroit Lakes	MN	11
Bell Bank	101 Center Ave E	Dilworth	MN	11
Bell Bank	201 E Superior St	Duluth	MN	11
Bell Bank	3501 W Arrowhead Rd	Duluth	MN	11
Bell Bank	205 W Washington Ave	Fergus Falls	MN	11
Bell Bank	19810 Headwaters Blvd N	Forest Lake	MN	11
Bell Bank	5500 Wayzata Blvd	Golden Valley	MN	11
Bell Bank	1018 Hobart St	Hawley	MN	11
Bell Bank	15490 101st Ave N	Maple Grove	MN	11
Bell Bank	40 S 7th St	Minneapolis	MN	11
Bell Bank	1333 8th St S	Moorhead	MN	11
Bell Bank	11 S Broadway	Pelican Rapids	MN	11
Bell Bank	13999 60th St N	Stillwater	MN	11
Bell Bank	563 Bielenberg Dr	Woodbury	MN	11
Bell Bank	5680 23rd Ave S Ste 101	Fargo	ND	11
Bell Bank	5050 13th Ave S	Fargo	ND	11
Bell Bank	2870 52nd Ave S	Fargo	ND	11
Bell Bank	520 Main Avenue	Fargo	ND	11
Bell Bank	3100 13th Ave S	Fargo	ND	11
Bell Bank	2704 Broadway N	Fargo	ND	11
Bell Bank	2501 University Dr S	Fargo	ND	11
Bell Bank	4303 S Columbia Rd.	Grand Forks	ND	11
Bell Bank	717 2nd Ave N	Wahpeton	ND	11
Bell Bank	320 32nd Ave W	West Fargo	ND	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.