Bell Bank
Fargo, ND
IDRSSD: 929352
Total Assets
$14.14B
Latest filing
Total Deposits
$12.05B
Latest filing
Net Interest Margin
2.47%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Bell Bank
520 Main Ave
Fargo, ND 58103
Limited Service - Administrative
Updated 11/14/2025Established 05/06/1966FDIC Certificate 13381
Branches (32)
Page 1 of 5| Name | Address | City / State |
|---|---|---|
| Bell Bank (Main) | 520 Main Ave | Fargo, ND |
| DILWORTH BRANCH | 101 Center Ave E | Dilworth, MN |
| SOUTH BRANCH | 2501 University Dr S | Fargo, ND |
| NORTH BROADWAY BRANCH | 2704 Broadway N | Fargo, ND |
| FARGO BELL TOWER - HEADQUARTERS BRANCH | 520 Main Avenue | Fargo, ND |
| HAWLEY BRANCH | 1018 Hobart St | Hawley, MN |
| TIMBER CREEK OFFICE BRANCH | 2870 52nd Ave S | Fargo, ND |
| TIME SQUARE BRANCH | 5050 13th Ave S | Fargo, ND |
Showing 7 of 32
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/06/1966 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 58103 |
| State and County Number | 38017 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Fargo, ND-MN |
Operational Info
| Number of Employees | 1,887 |
| Domestic Offices | 32 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 07/22/2024 |
| Date of Deposit Insurance | 05/06/1966 |
| Primary Insurance Agency | DIF |
| Website | www.bell.bank |
| Data Updated | 11/14/2025 |
| CERT | 19581 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $14.14B |
| Total Deposits | $12.05B |
| Total Liabilities | $12.72B |
| Total Equity Capital | $1.42B |
| Net Income | $24.05M |
| Net Loans and Leases | $12.12B |
| Assets Per Employee ($Millions) | $7.42M |
| Bank Premises and Fixed Assets | $367.86M |
| Cash and Balances due from Depository Institutions | $1.02B |
| Deposits Held in Domestic Offices | $12.05B |
Key Performance Ratios
| Return on Assets (ROA) | 0.68% |
| Return on Equity (ROE) | 6.83% |
| Net Interest Margin | 2.47% |
| Efficiency Ratio | 75.94% |
| Tier 1 Risk-Based Capital Ratio | 11.892% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.046% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $176.24M |
| Total Noninterest Income | $58.93M |
| Total Interest Expense | $94.90M |
| Total Noninterest Expense | $106.52M |
| Net Interest Income | $81.34M |
| Pre-tax Net Operating Income | $32.24M |
| Provision for Credit Losses | $1.50M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $1.32M |
| Other borrowed funds | $374.85M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $33.02M |
| All Other Liabilities | $261.78M |
| Total Liabilities and Capital | $14.14B |
Securities
| Securities | $150.90M |
| Available-for-sale debt securities | $150.51M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $257.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bell Bank?
$14.14B as of the latest filing.
How much are Bell Bank's total deposits?
$12.05B in total deposits.
Where is Bell Bank located?
Fargo, ND.
What is the Net Interest Margin?
2.47%.
How many domestic offices does it operate?
32.
When was it established?
05/06/1966.
What is the Return on Assets (ROA)?
0.68%.
How much are total loans and leases?
$12.12B (latest filing).
What is the total interest income (latest filing)?
$176.24M.