Average User Rating:
5 star rating based on 1 review.

Bell State Bank & Trust

3100 13th Avenue, South
Fargo, ND 58103
800-450-8949
www.bellbanks.com

FDIC

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As stewards, dedicated to the growth and reputation of this independently owned organization, State Bank & Trust is committed to: *Promoting and sustaining their family atmosphere *Providing unequaled personal service to each and every customer *"Paying it forward" by giving back to the communities they serve

Bell State Bank & Trust Routing Number: 091310521

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See Rates for: Checking | Savings | Money Market | CD | IRA

Bell State Bank & Trust Checking Account Rates

Apy	Min	Max	Product
0.20%	$100k	-	VIP Gold Interest Checking
0.05%	$500	-	VIP Interest Checking

Bell State Bank & Trust Savings Account Rates

Apy	Min	Max	Product
1.00%	$10k	-	HSA Checking
0.15%	$50	-	IRA Variable Rate Savings
0.15%	$50	-	Roth IRA Variable Rate Savings
0.15%	$50	-	CESA Variable Rate Savings
0.15%	$50	-	SEP IRA Variable Rate Savings
0.05%	$50	$2,500	Regular Savings
0.05%	$50	$2,500	Business Regular Savings

Bell State Bank & Trust Money Market Rates

Apy	Min	Max	Product
0.30%	$1m	-	Premier Money Market Savings
0.30%	$1m	-	Premier Money Market Savings Plus
0.30%	$1m	-	Business Premier Money Market Savings Plus
0.10%	$500	-	Money Market Savings
0.10%	$500	-	Money Market Savings Plus
0.10%	$500	-	Business Money Market Savings Plus

Bell State Bank & Trust CD Rates

Apy	Min	Max	Product
1.30%	$500	-	5 Year CD
1.30%	$500	-	Business 5 Year CD
0.75%	$500	-	3 Year CD
0.75%	$500	-	Business 3 Year CD
0.55%	$2,500	-	30 Month Flexible CD
0.55%	$500	-	26 Month CD Special
0.55%	$500	-	Business 26 Month CD Special
0.55%	$2,500	-	Business 30 Month Flexible CD
0.50%	$500	-	2 Year CD
0.50%	$500	-	19 Month CD Special
0.50%	$500	-	Business 19 Month CD Special
0.50%	$500	-	Business 2 Year CD
0.35%	$500	-	18 Month CD
0.35%	$500	-	Business 18 Month CD
0.30%	$2,500	-	15 Month Flexible CD
0.30%	$500	-	13 Month CD Special
0.30%	$500	-	Business 13 Month CD Special
0.30%	$2,500	-	Business 15 Month Flexible CD
0.25%	$500	-	1 Year CD
0.25%	$500	-	Business 1 Year CD
0.15%	$2,500	-	10 Month Flexible CD
0.15%	$500	-	6 Month CD
0.15%	$500	-	Business 6 Month CD
0.15%	$2,500	-	Business 10 Month Flexible CD
0.10%	$500	-	3 Month CD
0.10%	$500	-	Business 3 Month CD

Bell State Bank & Trust IRA Rates

Apy	Min	Max	Product
1.30%	$500	-	5 Year IRA
1.30%	$500	-	5 Year Roth IRA
1.30%	$500	-	5 Year CESA
1.30%	$500	-	5 Year SEP IRA
0.75%	$500	-	3 Year IRA
0.75%	$500	-	3 Year Roth IRA
0.75%	$500	-	3 Year CESA
0.75%	$500	-	3 Year SEP IRA
0.55%	$500	-	26 Month CESA Special
0.55%	$500	-	26 Month IRA Special
0.55%	$500	-	26 Month Roth IRA Special
0.55%	$500	-	26 Month SEP IRA Special
0.50%	$500	-	2 Year IRA
0.50%	$500	-	2 Year Roth IRA
0.50%	$500	-	2 Year CESA
0.50%	$500	-	2 Year SEP IRA
0.50%	$500	-	19 Month CESA Special
0.50%	$500	-	19 Month IRA Special
0.50%	$500	-	19 Month Roth IRA Special
0.50%	$500	-	19 Month SEP IRA Special
0.35%	$500	-	18 Month IRA
0.35%	$500	-	18 Month Roth IRA
0.35%	$500	-	18 Month CESA
0.35%	$500	-	18 Month SEP IRA
0.30%	$500	-	13 Month IRA Special
0.30%	$500	-	13 Month Roth IRA Special
0.30%	$500	-	13 Month CESA Special
0.30%	$500	-	13 Month SEP IRA Special
0.25%	$500	-	1 Year IRA
0.25%	$500	-	1 Year Roth IRA
0.25%	$500	-	1 Year CESA
0.25%	$500	-	1 Year SEP IRA
0.15%	$500	-	6 Month IRA
0.15%	$500	-	6 Month Roth IRA
0.15%	$500	-	6 Month CESA
0.15%	$500	-	6 Month SEP IRA
0.10%	$500	-	3 Month IRA
0.10%	$500	-	3 Month Roth IRA
0.10%	$500	-	3 Month CESA
0.10%	$500	-	3 Month SEP IRA

Rates updated: 5/21/2013

Data for Q4 2012

Institution Statistics

Bell State Bank & Trust
FDIC Certificate #	19581
BankRate Report	View
Year Established	1966
Employees	750
Primary Regulator	FDIC
Assets and Liabilities
Assets	$2.61 billion
Loans	$2.32 billion
Deposits	$2.27 billion
Equity Capital	$236.31 million
Loan Loss Allowance	$21.55 million
Unbacked Noncurrent Loans	$9.89 million
Real Estate Owned	$4.27 million
Historic Data - December 2011
Assets	$2.23 billion
Equity Capital	$207.11 million
Loan Loss Allowance	$23.19 million
Unbacked Noncurrent Loans	$14.77 million
Real Estate Owned	$7.51 million
Profit Margin - Quarterly
Net Interest Margin	4.08%
Return on Assets	1.26%
Return on Equity	13.53%
Interest Income	$107.02 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Bell State Bank & Trust had $14.15 million in non-current loans and owned real-estate with $257.86 million in equity and loan loss allowances on hand to cover it. This gives Bell State Bank & Trust a Texas Ratio of 5.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Bell State Bank & Trust decreased significantly from 9.86% as of December 31, 2011 to 5.49% as of December 31, 2012, resulting in a positive change of 44.34%.This indicates that the balance sheet and financial strength for Bell State Bank & Trust has improved significantly in recent periods.
Deposit Growth
In the past year, Bell State Bank & Trust has increased its total deposits by $355.87 million, resulting in 18.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bell State Bank & Trust has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bell State Bank & Trust has $2.61 billion in assets with $257.86 million in equity, resulting in a capitalization level of 9.88%, which is average.

Personal Banking
5 stars

- ClaudiaH - Saturday, May 14, 2011 - 5:52 PM

This is one of the best Banks I worked with. I got a sign on Bonus of $4o dollars just to open my account without a minimum Balance.I get free checkblanks for life every time I use my debitcard I get 10 cents to my account for a over $25 dollar purchase. Free Bill paying on line and many more I can save up to $365 a year. Plus once I had a overdraft problem they helped me and fixed it without charge. Also everytime you go there they have fresh baked cookies. Great Bank and great people.