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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 218th largest bank in the nation. It was established in 1966 and as of December of 2017, it had grown to 1,053 employees at 20 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 - YTD1.12%
Return on Equity - YTD12.22%
Annual Interest Income$178.6MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$4.76B$4.18B
LoansQ4 2017vs Q4 2016$4.43B$3.66B
DepositsQ4 2017vs Q4 2016$4.24B$3.74B
Equity CapitalQ4 2017vs Q4 2016$440.9MM$385.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$44.9MM$38.5MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$4.4MM$4.3MM
Real Estate OwnedQ4 2017vs Q4 2016$339.00K$237.00K

Rates for Bell Bank are currently being reviewed.