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Overview / Commentary
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!

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

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