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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 - July 24, 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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