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Bell Bank

Bell Bank is an FDIC insured institution headquartered at 520 Main Ave, Fargo, ND 58103.
It was founded in 1966 and has approximately $14 billion in assets. Customers can open an account at one of its 21 branches.

Deposit Rates - August 23, 2026

SAVINGS RATES	APY	MIN
SAV	0.20%	$50	Compare

CD RATES	APY	MIN
3 Mo CD	3.50%	$500	Compare
3 Mo CD	3.58%	$99,999	Compare
6 Mo CD	3.25%	$500	Compare
6 Mo CD	3.30%	$99,999	Compare
7 Mo CD	4.25%	$500	Compare
7 Mo CD	4.34%	$99,999	Compare
10 Mo CD	3.25%	$2,500	Compare
10 Mo CD	3.26%	$100,000	Compare
12 Mo CD	3.00%	$500	Compare
12 Mo CD	3.07%	$99,999	Compare
14 Mo CD	4.75%	$500	Compare
14 Mo CD	4.80%	$99,999	Compare
15 Mo CD	2.75%	$2,500	Compare
15 Mo CD	2.75%	$100,000	Compare
18 Mo CD	3.00%	$500	Compare
18 Mo CD	3.05%	$99,999	Compare
24 Mo CD	3.00%	$500	Compare
24 Mo CD	3.05%	$99,999	Compare
30 Mo CD	2.75%	$2,500	Compare
30 Mo CD	2.77%	$100,000	Compare
36 Mo CD	3.00%	$500	Compare
36 Mo CD	3.05%	$99,999	Compare
60 Mo CD	3.00%	$500	Compare
60 Mo CD	3.05%	$99,999	Compare

MM RATES	APY	MIN
Money Market	0.20%	$500	Compare
Money Market	0.20%	$5,000	Compare
Money Market	0.20%	$100,000	Compare
Money Market	2.27%	$500,000	Compare
Money Market	2.53%	$1,000,000	Compare

FIXED IRA RATES	APY	MIN
7 Mo FIRA	4.25%	$500
7 Mo FIRA	4.34%	$99,999
14 Mo FIRA	4.75%	$500
14 Mo FIRA	4.80%	$99,999

VARIABLE IRA RATES	APY	MIN
VIRA	0.40%	$50

INT CHECKING RATES	APY	MIN
INTCK	3.56%	$500

Overview 2026

General Bank Information

FDIC Insured	Yes
FDIC Certificate	# 19581
Date Established	1966
Assets	$ 14.44 billion
Loans	$ 12.36 billion
Deposits	$ 12.38 billion
Capital	$ 1,412.59 million

Summary Balance Sheet as of December 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 1,004.38 million
Interest-bearing balances	$ 923.02 million
Total securities	$ 211.83 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 12.36 billion
Loan loss allowance	$ 129.65 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	$ 1.04 million
Goodwill and other intangibles	$ 216.22 million
All other assets	$ 224.15 million
Total Assets	$ 13.03 billion

LIABILITIES
Total deposits	$ 12.38 billion
Interest-bearing deposits	$ 10.21 billion
Deposits held in domestic offices	$ 12.38 billion
% insured (estimated)"	75.21%
Federal funds purchased and repurchase agreements	$ 32.49 million
Trading liabilities	N.A.
Other borrowed funds	$ 354.24 million
Subordinated debt	N.A.
All other liabilities	$ 129.53 millionn
Total Liabilities	$ 13.03 billion
Shareholders’ Equity	$ 1,412.59 million

Summary Income Statement as of December 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 695.16 million
Total Interest Expense	$ 375.97 million
Net interest income	$ 319.19 million
Provision for loan and lease losses	$ 9.00 million
Total non interest income	$ 230.70 million
Total non interest expense	$ 424.97 million
Pre-tax Net Operating Income	$ 100.54 million

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