Bell Bank
Fargo, North Dakota · FDIC Cert #19581
Bell Bank is an FDIC-insured bank (Certificate #19581) with $13.9B in total assets and $12.0B in total deposits as of the Q2 2024 Call Report. Headquartered in Fargo, North Dakota, the bank maintains a Tier 1 capital ratio of 11.09% (Well-Capitalized) and a nonperforming loan ratio of 0.60%. BankHealthData assigns a composite Health Grade of C (57/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Bell Bank (FDIC cert 19581) is a large bank with $13.9B in total assets and $12.0B in deposits, headquartered in Fargo, North Dakota. Banks at this scale typically operate across multiple states and face enhanced regulatory scrutiny under the federal banking-supervisory framework.
Capital position is adequate: Tier 1 capital ratio of 11.09% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is normal: non-performing loan ratio of 0.60% sits in the typical 0.5-2% range for healthy U.S. banks. Some NPL is unavoidable in any meaningful lending portfolio. Liquidity is thin: 6.9% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.59% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Bell Bank carries a composite BankHealth grade of C (57/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Bell Bank
- Total Assets
- $13.9B
- Total Deposits
- $12.0B
- Tier 1 Capital Ratio
- 11.09%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.60%
- Liquidity Ratio
- 6.95%
- Return on Assets
- 0.59%
- Headquarters
- Fargo, North Dakota
- FDIC Certificate
- #19581
- Health Grade
- C (57/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Bell Bank holds a Tier 1 capital ratio of 11.09%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Bell Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Bell Bank shows average financial health. While not alarming, its Health Score of 57/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Bell Bank Compares
Bell Bank’s Health Score of 57 is 11 points below the North Dakota state average of 68 across 55 FDIC-insured banks. Its 11.09% Tier 1 capital ratio is 2.9 points below the US banking industry average near 14%. The 0.60% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.59% is below the national ROA benchmark of ~1.1%. Among 130 similarly-sized banks, the average Health Score is 77, meaning this bank ranks below its size cohort. Site-wide, Bell Bank is 13 points below the portfolio average of 70.
Frequently Asked Questions
Bell Bank has a Bank Health Score of C (57/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.09%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Bell Bank's Tier 1 capital ratio of 11.09% and nonperforming loan ratio of 0.60% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Bell Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #19581). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Bell Bank holds $13.9B in total assets and $12.0B in total deposits. It is headquartered in Fargo, North Dakota (FDIC Certificate #19581).
Bell Bank has a Tier 1 capital ratio of 11.09%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.60%, and the return on assets is 0.59%.
Yes. Bell Bank is FDIC-insured (Certificate #19581). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Bell Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.