FDIC Cert #19581 · Fargo, North Dakota · Est. 1966

Bell Bank - FDIC Bank Health Profile

A community-scale look at Bell Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$14.4B
Total assets
C
Health grade · Fair
0.59%
Return on assets
11.5%
Tier 1 capital

Data updated July 2026

The verdict

Bell Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.49% Tier 1, 0.59% ROA, 77% efficiency ratio.

#131
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
11.49%
Tier 1 ratio - above the 10% well-capitalized line
19th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 19581 · ND C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-LARGE · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3599/4307
  • PHOTO-FINISH Bank of Lindsay · NE
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-CLEAN 7.2% Texas
  • ROA-THIN 0.59% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside North Dakota: Bank of Lindsay, NE (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Bell Bank

Lowest and highest poles plus nearest scored peers outside North Dakota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Lindsay · NE · near62/100Bell Bank · ND · this bank62/100Citizens Guaranty Bank · KY …62/100First Independence B… · MI ·…62/100First Independent Bank · MO …62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Bell Bank · July 2026

Plate reading for Bell Bank where failures stay rare

Bell Bank (FDIC Cert #19581) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,599 of 4,307. Tier 1 capital prints at 11.49%, clearing the 10% well-capitalized line. The Texas Ratio is 7.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.59%. Balance-sheet scale is $14.4B, 131st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Lindsay (NE), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Bell Bank

Zero FAILURE resolutions in North Dakota since 2000

Bell Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (0 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • FIRST FS & LA OF FARGO FARGO, ND 1991 → FIRST NB OF ND
  • FIRST NATIONAL BANK OF CROSBY CROSBY, ND 1990 → FIRST NATIONAL BANK & TRUST
  • THE FIRST STATE BANK OF REGENT REGENT, ND 1990 → FIRST NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and North Dakota banks.

How Bell Bank's 62/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10062/100
Bell Bank's composite health score
Tier 1 Capital Ratio (11.49%) 28/40
Return on Assets (ROA) (0.59%) 14/25
Texas Ratio (7.17%) 16/20
Efficiency Ratio (77.28%) 4/15

62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$14.4B

Total balance-sheet footings

Total Deposits

$12.4B

Customer-funded liabilities

Net Loans

$12.4B

Outstanding loan book

Net Income

$85M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.09% 11.49% 12.89%
Basel III capital ratios - Bell Bank

Where Bell Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Bell Bank's score of 62/100 falls in the highlighted band.

Bell Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Bell Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Bell Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Bell Bank's $14.4B falls in the highlighted band.

Safety metrics: Bell Bank

Tier 1 capital ratio
Well-capitalized 10%

11.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.49%
Texas Ratio
7.17%
Equity Capital
$1.4B

What these ratios mean →

Profitability metrics: Bell Bank

Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
6.11%
Efficiency Ratio
77.28%

What these mean →

Income & expense at Bell Bank

$695M
Interest Income
$231M
Non-Interest Income
$425M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Bell Bank reports a Texas Ratio of 7.17% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Bell Bank on FDIC BankFind →

Top banks in North Dakota by total assets

Largest banks headquartered in North Dakota
  1. 1
    Bell Bank $14.4B

    Fargo, ND · Grade C

  2. 2
    First International Bank & Trust $6.2B

    Watford City, ND · Grade B

  3. 3
    Choice Financial Group $6.0B

    Fargo, ND · Grade B

  4. 4
    Alerus Financial $5.2B

    Grand Forks, ND · Grade C

  5. 5
    Gate City Bank $4.0B

    Fargo, ND · Grade D

Top 5 banks in North Dakota ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Bell Bank by assets

Measured strictly by total assets rather than geography, Bell Bank's closest national peers include Israel Discount Bank of New York, OceanFirst Bank, Beal Bank USA, ConnectOne Bank, spanning 5 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within North Dakota. Averaged across this asset-matched cohort, return on assets runs 0.76% (Bell Bank is below that at 0.59%), the efficiency ratio averages 55.03% (Bell Bank runs higher at 77.28%), and Tier 1 capital averages 19.39% (Bell Bank holds less at 11.49%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $14.4B in assets, Bell Bank has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Bell Bank nationally by total assets
  1. 1
    Israel Discount Bank of New York $14.4B

    New York, NY · Grade B

  2. 2
    OceanFirst Bank $14.5B

    Toms River, NJ · Grade B

  3. 3
    Beal Bank USA $14.5B

    Las Vegas, NV · Grade A

  4. 4
    ConnectOne Bank $14.0B

    Englewood Cliffs, NJ · Grade A

  5. 5
    NexBank $13.9B

    Dallas, TX · Grade A

  6. 6
    Live Oak Banking Company $15.1B

    Wilmington, NC · Grade C

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Bell Bank (this bank) ND $14.4B 0.59% 77.28% 11.49%
Israel Discount Bank of New York NY $14.4B 0.54% 71.49% 13.84%
OceanFirst Bank, National Association NJ $14.5B 0.61% 68.55% 11.54%
Beal Bank USA NV $14.5B 0.63% 37.43% 53.51%
ConnectOne Bank NJ $14.0B 0.77% 54.90% 12.36%
NexBank TX $13.9B 1.17% 41.69% 14.62%
Live Oak Banking Company NC $15.1B 0.82% 56.12% 10.46%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($14.4B here), outside North Dakota so the neighborhood is not state containment.

Israel Discount Bank of New York $14.4B · NY OceanFirst Bank $14.5B · NJ Beal Bank USA $14.5B · NV ConnectOne Bank $14.0B · NJ

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Bell Bank (FDIC Cert #19581) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Bell Bank Call Report profile · FDIC Failed Bank List · North Dakota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in North Dakota

All North Dakota banks →
BankAssetsGradeROA
First International Bank & TrustWatford City $6.2B B 1.69%
Choice Financial GroupFargo $6.0B B 1.22%
Alerus Financial, National AssociationGrand Forks $5.2B C 0.42%
Gate City BankFargo $4.0B D 0.60%
Bravera BankDickinson $3.8B B 1.12%
Western State BankDevils Lake $2.6B A 1.79%
First Western Bank & TrustMinot $2.3B C 0.84%
Starion BankBismarck $2.1B B 0.80%