# BELL BANK
FARGO, ND · FDIC certificate 19581 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $15.18B | |
| Deposits | $12.36B | |
| Loans and leases | $13.23B | |
| Total equity | $1.47B | |
| Loans / deposits | 105.90% (p94 of band) | 85.78% |
| Liquid assets / assets | 7.42% (p2 of band) | |
| Uninsured deposits / deposits | 25.29% (p23 of band) | 38.39% |
| Brokered deposits | 6.60% | |
| Wholesale funding | 13.52% (p77 of band) | |
| FHLB advances / assets | 6.59% | |
| Tier 1 leverage | 9.98% (p45 of band) | 10.17% |
| Unrealized securities loss / equity | -0.34% (p93 of band) | -7.43% |
| AOCI / equity | 0.23% (p90 of band) | |
| ROA (annualized) | 0.93% (p23 of band) | 1.24% |
| Net interest margin | 2.88% (p21 of band) | 3.57% |
| Efficiency ratio | 70.65% (p91 of band) | |
| Noncurrent loans | 0.90% (p68 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p20 of band) | |
| Reserve coverage of noncurrent | 113.92% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 29.41% (p50 of band) | |
| Auto loans | $59.8M (0.45% of loans; DQ 0.62%, NCO 0.00%) | |
| Loans to nondepository financials | $378.3M (26% of equity) (p72 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 1945 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | capital falling |  |
| 2012-06 | 2 |  | capital falling |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 3 | capital falling |  |
| 2014-06 | 2 |  | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 | capital falling | loans exceed deposits, liquid assets <10% |
| 2015-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2015-09 | 2 |  |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 | capital falling | loans exceed deposits |
| 2016-06 | 2 | loans exceed deposits | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 1 |  | loans exceed deposits |
| 2017-03 | 2 | capital falling, uninsured deposits leaving | liquid assets <10% |
| 2017-06 | 3 | loans exceed deposits, liquid assets <10% | capital falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | uninsured deposits leaving |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | loans exceed deposits |
| 2019-06 | 3 | loans exceed deposits, capital falling |  |
| 2019-09 | 2 |  | capital falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | capital falling |  |
| 2020-12 | 0 |  | liquid assets <10%, loans exceed deposits, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 | liquid assets <10% | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | loans exceed deposits |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | brokered >10%, expense ratio p90 |  |
| 2023-03 | 6 | capital falling, NIM <2.5% |  |
| 2023-06 | 5 |  | capital falling |
| 2023-09 | 6 | wholesale funding >15% |  |
| 2023-12 | 5 | capital falling | loans exceed deposits, wholesale funding >15% |
| 2024-03 | 6 | loans exceed deposits |  |
| 2024-06 | 4 |  | brokered >10%, capital falling |
| 2024-09 | 5 | brokered >10%, wholesale funding >15% | loans exceed deposits |
| 2024-12 | 5 | capital falling | liquid assets <10% |
| 2025-03 | 3 |  | wholesale funding >15%, capital falling |
| 2025-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2025-09 | 4 |  | brokered >10% |
| 2025-12 | 3 |  | loans exceed deposits |
| 2026-03 | 1 |  | expense ratio p90, NIM <2.5% |
| 2026-06 | 3 | loans exceed deposits, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-04 [Bell Bank - Forbes](https://news.google.com/rss/articles/CBMiVkFVX3lxTE9BdE5lcVRuNGt3MGM4QUNhckV1aGNqSFRwTjBHQ0hvYjBSZEJRV2ZaaWdObEdaUjNncUpUeHlzMmtpcU42aTBnT2djTDFsdUNrUGRmUEF3?oc=5) · Forbes
- 2026-03-24 [UND has strong showing at Bell Bank "Pay It Forward" Collegiate - fightinghawks.com](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNbmpLeGJkR3Vnb0lWTWlXZXdWaEhwUEtmLUF1blVqYzFCLVYzMm5mZENNVTNWUTdFajhWMHgydERvQkFmTHY2em8zWWFDZzJ2R21wVThEQTBjYjdKZFZOOHgzSG5sVjVJM3pIQ2NwZC0yRFRQZm5kLS1UQ2VKZmEybEJNbjNURDJCTmo2OUtRUFVacGpVU2V1dzd3Vmo5bUVHdTFFeGdwaWJOajFEa3MtZVM5TW85ZDVO?oc=5) · fightinghawks.com
- 2026-03-23 [Hicks Guides NDSU Women’s Golf on Day One of Bell Bank “Pay It Forward” Collegiate - gobison.com](https://news.google.com/rss/articles/CBMixAFBVV95cUxQeXcwbmEtRTRJVnFac1hBdTFtd21qQkl0SlRXamtVUFZIVGZCYll2bWRpcHNHV3VRNE5QbElDWTFtb2EzdlhxMnlPMG5XRkVxYjVMRkFBYnpWV3pfNVpLSE91cW03Q1JwN0RiMmNTY1MtaGl2VndKOGw3VUp4X21LWGJXRm1iZm90WVNkQ19zSGl0cE9uWXljeUtiSUJoSHdrclo2Z2FLRmFLNkJDNEV0OEpDbEROTHV4WHFsZXplSDdyM0Vi?oc=5) · gobison.com
- 2026-07-04 [Bell Bank settles into Westport site in Baxter - Brainerd Dispatch](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRWx4YXNOTGRNSjU0WFppbEhkM0ZMcWtwSUFPdThGNnBlcllyTFJwMHgyN2hiMVhKSDlja0tNRC13Rno4WEJ4WVFqWVBZZUYyZUVuWHFETkpUZE02RUk1dlJPSlZJSFhuWGlfNmM3amNXZ2w1Yi1MejFWd1ZVNGI4b2hEbXJTU0p4bEFrWmZ2R0N1Zw?oc=5) · Brainerd Dispatch
- 2026-06-26 [Bell Bank town halls put focus on employees, community - InForum](https://news.google.com/rss/articles/CBMijwFBVV95cUxOYjFtaFBvb0hnQXhrVXd0dUVFbG56SGFkNVVramtSbnFiNmdGcDU5dWswMFlrNFI2aEtmM1hpS2RDM1E4RVhnS2ZDUWdlTkFtbzVfX0p3d1F4Yk1kZkZBY0Nka0ZlWkY3T0poRDROay1UT1g4ZktGY183Y3dZVGgzQWZfcUpMM2h0ZHZEV0ZBRQ?oc=5) · InForum
- 2026-03-21 [Minnesota to Host Bell Bank “Pay it Forward” Collegiate - University of Minnesota Athletics - gophersports.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNQWc5OHJJdl9Tb0tYSjZ4OWlzM3Fta2szX05yUEZMQTU0a0lrLTctQ2FBN3FrRXoxdlNFQWdVOU9Bbmw2NzZJbl9rT1NfYkpKcTRuLThKTDUzbVpaTFhaQ2lUWW52RXBBSDNremN5X0s0ZGRmZnpiR1Zsd2h1anBfTERhZWJSU0hOTnUzTElPeDNoRzNJMDJ6VU1fczh0RmlBRlo5eFNJcGU?oc=5) · gophersports.com
- 2026-07-23 [Bridgette Readel: Key Takeaways from Bell Bank AgViews Live - The Flag - AM 1100 and FM 92.3 WZFG](https://news.google.com/rss/articles/CBMimgFBVV95cUxOLVMyUm9MR2hRYTdNaHNIVHpVN0t1S0R4bWhVVHBDd21WbEptRXV2SnliR3ZYaTNxQ0xlYmlxeWFzTlFzNnhUeVFhV1Fqc1A4aFBXa1N6N0RJMzdZdXhhdEVfNjRQTUROOUlXdndXYzdyTTdKQnB0VmdqTnpyM0FsVVJhS0dtbGota1g4aXAxd0w5VXFzSG5wOXpn?oc=5) · The Flag - AM 1100 and FM 92.3 WZFG
- 2025-12-18 [Old National accuses Bell Bank of ‘coup d’état’ - Banking Dive](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQREh3OEp6ajd4MmNLRXg0cmFYcFAxSkV3WEZqenhvNGdobVpLUXF4Mk1Gc3lkM1ZlVzkyelhpRTlTMlVUb3R5aDBYMkJPSmZ2Z1diSmk1UTREUXVZZmZ2SkxCRVNTRVFGckhPZGRSYm1nLUdmNmQyVnBzOVUwTEt0V2l4TGFDdzZRX2JJSnU3d1dBaWF1SzBRZG91eG9vUnZKYy14UzFPc2pxNFdwQURFVXpQaXFES1lsVWJvSGNwOWF3czhuUGM0Z3pEZGRUeWt4MXVGWm9n?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19581 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/61.json (key "19581", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide