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3100 13th Avenue, South
Fargo, ND 58103

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

Reviews (2)

I Love My Bank!

I love, love, love, love, love Bell State Bank & Trust. There is no way I would ever bank anyplace else. Their service is superior. If I have a problem, I'm not stuck in call center hell. I recently had a huge problem with our car loan company losing our payment. I had paid through State Bank Bill pay. State Bank was SO HELPFUL in getting this resolved. They bent over backwards to help me get the problem straightened out. Lesson learned - I will never do business with another big bank again. Next loan will be with State Bank!

Personal Banking

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.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bell State Bank & Trust had $12.77 million in non-current loans and owned real-estate with $306.36 million in equity and loan loss allowances on hand to cover it. This gives Bell State Bank & Trust a Texas Ratio of 4.17% 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 slightly from 4.87% as of March 31, 2013 to 4.17% as of March 31, 2014, resulting in a positive change of 14.42%.This indicates that the balance sheet and financial strength for Bell State Bank & Trust has improved slightly in recent periods.

Deposit Growth


In the past year, Bell State Bank & Trust has increased its total deposits by $351 million, resulting in 15.45% 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.



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 $3 billion in assets with $306.36 million in equity, resulting in a capitalization level of 10.21%, which is above average.

Institution Statistics

FDIC Certificate #19581
Year Established1966
Primary RegulatorFDIC
Assets and Liabilities
Assets$3.00 billion
Loans$2.65 billion
Deposits$2.62 billion
Equity Capital$283.43 million
Loan Loss Allowance$22.92 million
Unbacked Noncurrent Loans$9.96 million
Real Estate Owned$2.81 million
Historic Data - March 2013
Assets$2.61 billion
Equity Capital$244.96 million
Loan Loss Allowance$21.87 million
Unbacked Noncurrent Loans$9.96 million
Real Estate Owned$3.84 million
Profit Margin - Quarterly
Net Interest Margin3.83%
Return on Assets0.81%
Return on Equity8.5%
Interest Income$29.36 million

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Bell State Bank & Trust Savings Account Rates

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$2,500Regular Savings
0.05%$50$2,500Business Regular Savings

Bell State Bank & Trust Money Market Rates

0.25%$1m-Premier Money Market Savings
0.25%$1m-Premier Money Market Savings Plus
0.25%$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 Checking Account Rates

0.20%$100k-VIP Gold Interest Checking
0.05%$500-VIP Interest Checking

Bell State Bank & Trust CD Rates

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-Business 2 Year CD
0.50%$500-20 Month CD Special
0.50%$500-Business 20 Month CD Special
0.35%$500-18 Month CD
0.35%$500-Business 18 Month CD
0.30%$2,500-15 Month Flexible CD
0.30%$2,500-Business 15 Month Flexible CD
0.30%$500-9 Month CD Special
0.30%$500-Business 9 Month CD Special
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

1.30%$500-5 Year IRA
0.75%$500-3 Year IRA
0.55%$500-26 Month IRA Special
0.50%$500-2 Year IRA
0.50%$500-20 Month IRA Special
0.35%$500-18 Month IRA
0.30%$500-9 Month IRA Special
0.25%$500-1 Year IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA

Bell State Bank & Trust has 21 locations. Click to view all Bell State Bank & Trust locations.