BELL BANK

FDIC #19581 · ND · period 20260630

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Total assets3,889,293-12.14% YoY

Total deposits3,483,633-12.38% YoY

Net loans and leases3,437,981-10.45% YoY

Return on assets0.94%-11.19% YoY

Return on equity10.19%-12.61% YoY

Net interest margin3.80%+2.92% YoY

Peer position

Return on assets25thopportunity · n=112

Return on equity41stin line · n=108

Net interest margin22ndopportunity · n=112

Equity to assets22ndopportunity · n=108

Noncurrent loans32ndin line · n=106

Liquid assets2ndopportunity · n=108

Brokered deposits26thopportunity · n=107

Loans to deposits7thopportunity · n=107

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	3,889,293	3,483,633	3,437,981	0.94	10.19	3.80
2016-06-30	3,891,762	3,422,387	3,646,293	1.04	11.21	3.82
2016-09-30	3,993,362	3,559,560	3,672,294	1.14	12.20	3.87
2016-12-31	4,181,458	3,743,793	3,655,518	1.09	11.76	3.85
2017-03-31	4,426,653	3,976,065	3,838,986	1.06	11.66	3.69
2017-06-30	4,421,685	3,956,708	4,089,887	1.14	12.43	3.80
2017-09-30	4,581,144	4,093,321	4,238,001	1.19	12.92	3.87
2017-12-31	4,763,242	4,243,941	4,425,988	1.12	12.22	3.90
2018-03-31	4,929,519	4,392,726	4,418,516	1.08	11.74	3.90
2018-06-30	4,996,610	4,353,387	4,697,264	1.19	12.85	3.98
2018-09-30	5,125,592	4,410,361	4,836,761	1.29	13.78	4.03
2018-12-31	5,394,695	4,671,202	5,079,258	1.23	13.19	4.05
2019-03-31	6,005,816	5,379,579	5,288,630	1.00	10.87	3.89
2019-06-30	6,039,150	5,241,365	5,679,447	1.14	12.22	4.00
2019-09-30	6,266,153	5,446,489	5,900,740	1.21	12.94	4.04
2019-12-31	6,492,180	5,663,196	6,129,063	1.20	12.78	4.04
2020-03-31	7,377,097	6,267,028	6,612,987	0.84	8.13	3.75
2020-06-30	8,178,319	7,025,517	7,341,768	0.94	9.25	3.72
2020-09-30	8,224,807	7,033,143	7,440,131	1.23	11.95	3.63
2020-12-31	8,771,234	7,635,296	7,249,738	1.48	14.42	3.58
2021-03-31	9,833,622	8,592,190	7,833,443	1.81	18.20	3.19
2021-06-30	10,213,692	8,943,946	7,830,061	5.04	52.01	3.15
2021-09-30	10,770,660	9,526,004	8,042,276	3.66	38.50	3.12
2021-12-31	9,729,918	8,588,558	8,400,701	3.02	31.24	3.16
2022-03-31	10,093,897	8,716,164	8,709,913	1.75	17.08	3.34
2022-06-30	11,026,925	9,454,541	9,638,806	1.36	13.56	3.36
2022-09-30	11,715,378	9,812,245	10,626,114	1.17	11.75	3.32
2022-12-31	12,493,973	11,095,036	11,417,135	1.04	10.55	3.12
2023-03-31	13,134,999	11,692,564	11,706,403	0.60	6.27	2.19
2023-06-30	13,448,073	11,664,721	12,172,673	0.56	5.93	2.08
2023-09-30	13,838,676	12,089,523	12,359,599	0.52	5.60	2.02
2023-12-31	14,010,713	12,462,050	12,290,890	0.50	5.41	1.96
2024-03-31	13,744,804	12,194,508	12,259,427	0.42	4.50	1.81
2024-06-30	13,930,376	11,980,478	12,214,174	0.43	4.57	1.80
2024-09-30	13,898,999	12,154,064	12,084,177	0.42	4.48	1.80
2024-12-31	14,533,697	12,732,444	11,868,668	0.41	4.34	1.83
2025-03-31	14,499,349	12,679,006	11,786,115	0.54	5.79	2.07
2025-06-30	14,066,290	12,025,413	12,030,230	0.60	6.31	2.19
2025-09-30	14,135,435	12,045,776	12,122,579	0.63	6.49	2.28
2025-12-31	14,443,599	12,375,717	12,355,638	0.59	6.11	2.38
2026-03-31	14,816,488	12,670,338	12,664,720	0.96	9.77	2.82
2026-06-30	15,182,711	12,362,769	13,092,507	0.93	9.53	2.88

Structure and branch footprint

33 current branch locations across 4 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2013-09-21	1	2897400	929352
2012-09-22	1	22954	929352
2005-06-01	1	331656	929352
2004-01-02	1	3165441	929352
2003-09-02	1	952051	929352
2003-09-02	1	2509486	929352

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.