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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 214th largest bank in the nation. It was established in 1966 and as of March of 2018, it had grown to 1,068 employees at 20 locations. Bell Bank's money market rates are 2X the national average, and it boasts 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 - YTD1.08%
Return on Equity - YTD11.74%
Annual Interest Income$49.4MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$4.93B$4.43B
LoansQ1 2018vs Q1 2017$4.42B$3.84B
DepositsQ1 2018vs Q1 2017$4.39B$3.98B
Equity CapitalQ1 2018vs Q1 2017$453.2MM$397.2MM
Loan Loss AllowanceQ1 2018vs Q1 2017$47.1MM$39.0MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.9MM$6.1MM
Real Estate OwnedQ1 2018vs Q1 2017$1.4MM$214.00K
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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

0.40%$50-IRA Variable Rate Savings
0.05%$50$2,500Regular Savings
0.05%$50$2,500Business Regular Savings

Bell Bank Money Market Rates

1.00%*$500k*-Premier Money Market Savings
OTHER TIERS: 0.30% $5k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k
1.00%*$500k*-Premier Money Market Savings Plus
OTHER TIERS: 0.30% $5k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k
1.00%*$500k*-Business Premier Money Market Savings Plus
OTHER TIERS: 0.30% $5k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k
1.00%*$500k*-Business Premier Money Market Savings
OTHER TIERS: 0.30% $5k - $100k | 0.40% $100k - $250k | 0.50% $250k - $500k
0.20%$500-Money Market Savings
0.20%$500-Money Market Savings Plus
0.20%$500-Business Money Market Savings Plus
0.20%$500-Business Money Market Savings

Bell Bank Checking Account Rates

0.25%*$100k*-America's Best Premier Interest Checking
OTHER TIERS: 0.15% $5k - $50k | 0.20% $50k - $100k
0.10%$500-America's Best Interest Checking

Bell Bank CD Rates

1.75%$500-37 Month CD Special
1.60%$500-5 Year CD w/ Checking
1.50%$2,500-30 Month Flexible CD
1.50%$500-5 Year CD
1.50%$500-17 Month CD Special
1.25%$2,500-15 Month Flexible CD
1.00%$500-3 Year CD w/ Checking
0.90%$500-3 Year CD
0.75%$2,500-10 Month Flexible CD
0.75%$500-7 Month CD Special
0.75%$500-2 Year CD w/ Checking
0.65%$500-2 Year CD
0.65%$500-18 Month CD w/ Checking
0.60%$500-1 Year CD w/ Checking
0.55%$500-18 Month CD
0.50%$500-1 Year CD
0.50%$500-6 Month CD w/ Checking
0.45%$500-3 Month CD w/ Checking
0.40%$500-6 Month CD
0.35%$500-3 Month CD

Bell Bank IRA Rates

1.75%$500-37 Month IRA Special
1.60%$500-5 Year IRA w/ Checking
1.50%$500-5 Year IRA
1.50%$500-17 Month IRA Special
1.00%$500-3 Year IRA w/ Checking
0.90%$500-3 Year IRA
0.75%$500-7 Month IRA Special
0.75%$500-2 Year IRA w/ Checking
0.65%$500-2 Year IRA
0.65%$500-18 Month IRA w/ Checking
0.60%$500-1 Year IRA w/ Checking
0.55%$500-18 Month IRA
0.50%$500-1 Year IRA
0.50%$500-6 Month IRA w/ Checking
0.45%$500-3 Month IRA w/ Checking
0.40%$500-6 Month IRA
0.35%$500-3 Month IRA


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