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Overview / Commentary
3100 13th Avenue, South
Fargo, ND 58103

Bell Bank is headquartered in Fargo and is the largest bank in the state of North Dakota. It is also the 242nd largest bank in the nation. It was established in 1966 and as of September of 2016, it had grown to 995 employees at 21 locations. Bell Bank has an A health rating.

Reviews (2)

I Love My Bank!

Posted by: Anonymous | Aug 12, 2011

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

Posted by: ClaudiaH | May 14, 2011

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.


Health Grade Components

FDIC Certificate #19581
Year Established1966
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.14%
Return on Equity - YTD12.2%
Annual Interest Income$113.9MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$3.99B$3.51B
LoansQ3 2016vs Q3 2015$3.67B$3.21B
DepositsQ3 2016vs Q3 2015$3.56B$3.11B
Equity CapitalQ3 2016vs Q3 2015$376.5MM$337.5MM
Loan Loss AllowanceQ3 2016vs Q3 2015$34.8MM$28.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$4.3MM$4.1MM
Real Estate OwnedQ3 2016vs Q3 2015$975.00K$307.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bell Bank Savings Account Rates

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 Bank Money Market Rates

0.25%*$1m*-Premier Money Market Savings
OTHER TIERS: 0.10% $5k - $100k | 0.15% $100k - $500k | 0.20% $500k - $1mm
0.25%*$1m*-Premier Money Market Savings Plus
OTHER TIERS: 0.10% $5k - $100k | 0.15% $100k - $500k | 0.20% $500k - $1mm
0.25%*$1m*-Business Premier Money Market Savings Plus
OTHER TIERS: 0.10% $5k - $100k | 0.15% $100k - $500k | 0.20% $500k - $1mm
0.10%$500-Money Market Savings
0.10%$500-Money Market Savings Plus
0.10%$500-Business Money Market Savings Plus

Bell Bank Checking Account Rates

0.20%*$100k*-America's Best Premier Interest Checking
OTHER TIERS: 0.10% $5k - $50k | 0.15% $50k - $100k
0.05%$500-America's Best Interest Checking

Bell Bank 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%$500-19 Month CD Special
0.50%$500-Business 19 Month CD Special
0.45%$500-2 Year CD
0.45%$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%$2,500-Business 15 Month Flexible CD
0.30%$500-8 Month CD Special
0.30%$500-Business 8 Month CD Special
0.20%$500-1 Year CD
0.20%$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 Bank IRA Rates

1.30%$500-5 Year IRA
0.75%$500-3 Year IRA
0.55%$500-26 Month IRA Special
0.50%$500-19 Month IRA Special
0.45%$500-2 Year IRA
0.35%$500-18 Month IRA
0.30%$500-8 Month IRA Special
0.20%$500-1 Year IRA
0.15%$500-6 Month IRA
0.10%$500-3 Month IRA

Bell Bank has 19 locations. Click to view all Bell Bank locations.