Bell Bank
Total assets
$15.18B
▲ +7.9% YoY
Deposits
$12.36B
▲ +2.8% YoY
Loans
$13.09B
▲ +8.8% YoY
Offices
33
STATE BANKSHARES INC
ROA (annualized)
0.93%
peers 1.23%
ROE (annualized)
9.53%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | Bell Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.9% | +5.9% | +2.1 pts |
| Deposit growth (YoY) | +2.8% | +5.7% | -2.9 pts |
| Loan growth (YoY) | +8.8% | +6.9% | +1.9 pts |
| ROA | 0.93% | 1.23% | -0.3 pts |
| ROE | 9.5% | 11.2% | -1.7 pts |
ROA ranks in the 19th percentile of its peer group · Q2 2026
Profile
- Established
- 1966
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- STATE BANKSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 520 Main Ave, Fargo, ND, 58103
- County
- Cass
- Metro area
- Fargo, ND-MN
- Offices
- 33
- FDIC cert #
- 19581
- RSSD ID
- 929352
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.18B | $12.36B | $13.09B | $1.47B | $68.8M | 0.93% | 2.88% | 0.79% |
| Q1 2026 | $14.82B | $12.67B | $12.66B | $1.45B | $35.0M | 0.96% | 2.82% | 0.82% |
| Q4 2025 | $14.44B | $12.38B | $12.36B | $1.41B | $84.8M | 0.59% | 2.38% | 0.77% |
| Q3 2025 | $14.14B | $12.05B | $12.12B | $1.42B | $67.4M | 0.63% | 2.28% | 0.66% |
| Q2 2025 | $14.07B | $12.03B | $12.03B | $1.40B | $43.3M | 0.60% | 2.19% | 0.62% |
| Q1 2025 | $14.50B | $12.68B | $11.79B | $1.37B | $19.7M | 0.54% | 2.07% | 0.62% |
| Q4 2024 | $14.53B | $12.73B | $11.87B | $1.35B | $57.3M | 0.41% | 1.83% | 0.63% |
| Q3 2024 | $13.90B | $12.15B | $12.08B | $1.34B | $44.1M | 0.42% | 1.80% | 0.60% |
Loan mix (Q2 2026): real estate $10.18B · commercial $2.10B · consumer $199.2M · securities $185.7M
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Bell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.23% | 19th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.3% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.88% | 3.55% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 54.9% | 92th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Bell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Bell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Bell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Bell Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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