Total Assets
$14.4B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$12.4B
Customer-funded liabilities
Net Loans
$12.4B
Outstanding loan book
Net Income
$85M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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
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
Profitability metrics
Return on Assets (ROA)
19th percentile nationally
0.59%
Return on Equity (ROE)
6.11%
Efficiency Ratio
77.28%
What the numbers say about Bell Bank
Bell Bank is an FDIC-insured institution (Certificate #19581) headquartered in Fargo, North Dakota, established in 1966. It holds $14.4B in total assets - 131st of 4,313 FDIC-insured banks, $12.4B in customer deposits, and $12.4B in net loans. Its capital position: a Tier 1 ratio of 11.49%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 7.17% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Bell Bank sits in the top decile of all FDIC-insured institutions by asset size (131st of 4,313), and within North Dakota it ranks 1st of 61 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First International Bank & Trust, at $6.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in North Dakota by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in North Dakota
All North Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Bell Bank's health grade?▼
Bell Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Bell Bank?▼
Bell Bank holds $14.4B in total assets and $12.4B in deposits, ranking 131st of 4,313 FDIC-insured banks by asset size. It is headquartered in Fargo, North Dakota.
Is my money safe at Bell Bank?▼
Yes, deposits at Bell Bank (Certificate #19581) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Bell Bank's Tier 1 Capital Ratio?▼
Bell Bank has a Tier 1 Capital Ratio of 11.49%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Bell Bank?▼
Bell Bank has a Texas Ratio of 7.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Bell Bank?▼
Bell Bank has an Efficiency Ratio of 77.28%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Bell Bank's profile as a depositor or analyst.
- Bell Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Bell Bank against other North Dakota banks before moving funds. North Dakota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.