Bell Bank Mortgage Rates, Fees & Info

Fargo, ND

LEI: 549300WYBPIWKK6SQC06

Tax ID: 45-0283315

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

Jump to:

Mortgage Data

Bank Data

Review & Overview

Bell Bank is a small bank specializing in Home Purchase loans. Bell Bank has a high proportion of conventional loans. They have an average proportion of FHA loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Minneapolis, Phoenix, Fargo, Rochester, and Fergus Falls among others. We have data for 65 markets. (Some data included below & more in-depth data is available with an active subscription.)

Bell Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Bell Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
Home Equity Line of Credit (HELOC) 6.27% 3/28/24
30 Year Conventional Purchase 6.63% 3/28/24
30 Year Conventional Refi 6.53% 3/28/24
30 Year Cash-out Refi 6.74% 3/28/24
30 Year FHA Purchase 7.39% 3/28/24
30 Year FHA Refi 7.44% 3/28/24
30 Year VA Purchase 6.26% 3/28/24
30 Year VA Refi 6.04% 3/28/24
30 Year USDA Purchase 6.65% 3/28/24
15 Year Conventional Purchase 6.07% 3/28/24
15 Year Conventional Refi 5.93% 3/28/24
15 Year Cash-out Refi 5.93% 3/28/24
15 Year VA Refi 5.73% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Bell Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Bell Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

9,819

Origination Dollar Volume (All Markets)

$2,235,975,000

Employee count

1,158 Show all (14) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 6,523 $1,601,055,000 $245,448 $4,435 4.70%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 832 $215,480,000 $258,990 $3,930 4.84%
FARGO, ND-MN (FHA|USDA|VA) 1,051 $153,315,000 $145,875 $1,717 4.50%
Outside of Metro Areas 319 $48,075,000 $150,705 $2,555 4.59%
ROCHESTER, MN (FHA|USDA|VA) 186 $36,680,000 $197,204 $4,249 4.70%
Fergus Falls, MN (FHA|USDA|VA) 202 $24,260,000 $120,099 $1,709 4.59%
Alexandria, MN (FHA|USDA|VA) 145 $20,705,000 $142,793 $2,445 4.58%
Red Wing, MN (FHA|USDA|VA) 80 $14,760,000 $184,500 $4,760 4.61%
Faribault-Northfield, MN (FHA|USDA|VA) 64 $14,370,000 $224,531 $4,508 4.63%
ST. CLOUD, MN (FHA|USDA|VA) 62 $12,350,000 $199,194 $3,923 4.68%
GRAND FORKS, ND-MN (FHA|USDA|VA) 6 $10,900,000 $1,816,667 $0 4.90%
BISMARCK, ND (FHA|USDA|VA) 5 $10,435,000 $2,087,000 $4,440 4.78%
Brainerd, MN (FHA|USDA|VA) 40 $8,720,000 $218,000 $3,505 4.59%
Wahpeton, ND-MN (FHA|USDA|VA) 74 $7,370,000 $99,595 $1,974 4.52%
DULUTH, MN-WI (FHA|USDA|VA) 28 $6,840,000 $244,286 $3,594 4.70%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 29 $6,235,000 $215,000 $2,912 5.05%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 16 $4,450,000 $278,125 $4,252 4.66%
Aberdeen, SD (FHA|USDA|VA) 3 $3,185,000 $1,061,667 $0 4.75%
Yankton, SD (FHA|USDA|VA) 1 $2,725,000 $2,725,000 $0 5.10%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 7 $2,455,000 $350,714 $4,811 4.60%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 7 $2,455,000 $350,714 $4,132 4.63%
Hutchinson, MN (FHA|USDA|VA) 13 $2,405,000 $185,000 $3,968 4.49%
TUCSON, AZ (FHA|USDA|VA) 12 $2,240,000 $186,667 $3,457 4.61%
MANKATO, MN (FHA|USDA|VA) 10 $2,210,000 $221,000 $4,228 4.50%
FLAGSTAFF, AZ (FHA|USDA|VA) 5 $1,865,000 $373,000 $3,619 5.00%
Owatonna, MN (FHA|USDA|VA) 9 $1,625,000 $180,556 $3,526 4.72%
Grand Rapids, MN (FHA|USDA|VA) 7 $1,615,000 $230,714 $4,279 4.66%
EAU CLAIRE, WI (FHA|USDA|VA) 5 $1,455,000 $291,000 $4,166 4.60%
Edwards, CO (FHA|USDA|VA) 1 $1,105,000 $1,105,000 $3,373 3.45%
Show Low, AZ (FHA|USDA|VA) 6 $1,060,000 $176,667 $3,386 4.92%
SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) 1 $995,000 $995,000 $2,607 3.75%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $795,000 $265,000 $2,890 5.00%
DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 2 $780,000 $390,000 $3,961 4.81%
ALBUQUERQUE, NM (FHA|USDA|VA) 5 $755,000 $151,000 $2,152 5.17%
Winona, MN (FHA|USDA|VA) 5 $715,000 $143,000 $3,817 4.38%
Clovis, NM (FHA|USDA|VA) 6 $700,000 $116,667 $3,708 5.29%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $690,000 $345,000 $3,332 4.88%
Menomonie, WI (FHA|USDA|VA) 3 $655,000 $218,333 $3,675 4.33%
DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 2 $580,000 $290,000 $2,465 4.38%
Payson, AZ (FHA|USDA|VA) 2 $520,000 $260,000 $3,136 4.75%
GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $505,000 $505,000 $2,519 3.65%
Willmar, MN (FHA|USDA|VA) 4 $470,000 $117,500 $2,124 4.81%
Austin, MN (FHA|USDA|VA) 5 $465,000 $93,000 $3,833 5.13%
New Ulm, MN (FHA|USDA|VA) 4 $430,000 $107,500 $3,228 4.78%
SANTA FE, NM (FHA|USDA|VA) 2 $420,000 $210,000 $3,313 4.75%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 2 $390,000 $195,000 $4,365 4.69%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $385,000 $385,000 $0 5.00%
Albert Lea, MN (FHA|USDA|VA) 2 $300,000 $150,000 $2,721 4.88%
PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 2 $300,000 $150,000 $3,221 4.25%
DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $285,000 $285,000 $6,972 3.75%
Bemidji, MN (FHA|USDA|VA) 2 $280,000 $140,000 $3,656 4.38%
Manitowoc, WI (FHA|USDA|VA) 1 $255,000 $255,000 $2,811 4.99%
WAUSAU-WESTON, WI (FHA|USDA|VA) 1 $225,000 $225,000 $2,114 4.75%
JACKSONVILLE, FL (FHA|USDA|VA) 1 $215,000 $215,000 $3,566 4.38%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $205,000 $205,000 $1,632 3.60%
Los Alamos, NM (FHA|USDA|VA) 1 $205,000 $205,000 $0 6.00%
RACINE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $4,617 4.50%
Marshall, MN (FHA|USDA|VA) 1 $145,000 $145,000 $2,723 4.63%
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $135,000 $135,000 $4,619 4.88%
Fairmont, MN (FHA|USDA|VA) 1 $135,000 $135,000 $5,304 4.75%
PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 4.95%
MADISON, WI (FHA|USDA|VA) 1 $105,000 $105,000 $2,263 4.75%
LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 1 $95,000 $95,000 $0 5.63%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 1 $95,000 $95,000 $3,885 4.13%
Minot, ND (FHA|USDA|VA) 1 $85,000 $85,000 $0 4.00%
Bell Bank's top markets include Minneapolis, Phoenix, Fargo, Rochester, and Fergus Falls among others.

Their top states include:
  • Minnesota (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • North Dakota (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Bell Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    GREAT RIVER FEDERAL CREDIT UNION
    Similarity Rank: 12
    METROPLEX MORTGAGE SERVICES, INC.
    Similarity Rank: 52
    FIRST COMMUNITY CREDIT UNION
    Similarity Rank: 70
    Guardian Credit Union
    Similarity Rank: 99
    Community Bank of Trenton
    Similarity Rank: 108
    The Equitable Bank, S.S.B.
    Similarity Rank: 130
    PyraMax Bank, FSB
    Similarity Rank: 152
    Liberty Bank Minnesota
    Similarity Rank: 156
    Gate City Bank
    Similarity Rank: 180

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 7,535 $1,818,155,000 $241,295 $3,467 4.64%
    FHA 944 $209,290,000 $221,706 $7,378 4.65%
    HELOC 863 $95,065,000 $110,156 n/a 5.19%
    VA 338 $89,210,000 $263,935 $5,189 4.56%
    USDA 139 $24,255,000 $174,496 $4,807 4.41%

    For 2018, Bell Bank's most frequently originated type of loan was Conventional, with 7,535 originations. Their 2nd most popular type was FHA, with 944 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 7,262 $1,832,720,000 $252,371 $4,436 4.67%
    Refi 864 $176,120,000 $203,843 $2,294 4.57%
    Cash Out Refi 602 $133,440,000 $221,661 $3,673 4.74%
    Home Improvement 552 $35,460,000 $64,239 $216 4.83%
    Other 539 $58,235,000 $108,043 $288 4.83%

    For 2018, Bell Bank's most frequently cited loan purpose was Home Purchase, with 7,262 originations. The 2nd most popular reason was Refi, with 864 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 7,387 $1,861,105,000 $251,943 $4,437 4.68%
    10 Year 1,227 $184,025,000 $149,980 $413 4.95%
    15 Year 512 $93,620,000 $182,852 $2,521 4.33%
    20 Year 281 $45,305,000 $161,228 $2,407 5.05%
    5 Year 193 $11,665,000 $60,440 $147 3.95%
    Other 176 $31,340,000 $178,068 $377 4.15%
    1 Year 38 $7,470,000 $196,579 $0 4.88%
    3 Year 4 $1,100,000 $275,000 $0 5.33%
    30+ year 1 $345,000 $345,000 $7,266 4.88%

    For 2018, Bell Bank's most frequently cited loan duration was 30 Year, with 7,387 originations. The 2nd most popular length was 10 Year, with 1,227 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 4,771 $1,007,595,000 $211,192
    $1k-2k 1,763 $401,995,000 $228,018
    $2k-3k 1,071 $270,125,000 $252,218
    $3k-4k 491 $147,385,000 $300,173
    $4k-5k 233 $85,165,000 $365,515
    $5k+ 186 $87,890,000 $472,527

    Bell Bank's average total fees were $4,437, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 4,771 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 7,205 $1,736,315,000 $240,988
    5-6% 1,645 $302,185,000 $183,699
    3-4% 925 $191,735,000 $207,281
    6-7% 41 $5,225,000 $127,439

    During 2018, Bell Bank's average interest rate for loans was 4.68%, while their most frequently originated rate bucket for loans was 4-5%, with 7,205 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 4,474 $1,214,390,000 $271,433 $4,619 4.64%
    $100k-200k 3,029 $475,355,000 $156,935 $3,417 4.71%
    $100,000 or less 1,545 $77,295,000 $50,029 $903 4.79%
    $400k-600k 597 $273,175,000 $457,580 $5,428 4.61%
    $600k-1MM 124 $91,900,000 $741,129 $6,232 4.58%
    $1MM+ 50 $103,860,000 $2,077,200 $5,618 4.55%

    2018 saw Bell Bank place emphasis on $200k-400k loans with 4,474 originations, totaling $1,214,390,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k-75k 2,355 $437,805,000 $185,904 $3,977 4.65%
    $100k-150k 2,145 $514,765,000 $239,984 $4,126 4.70%
    $75k-100k 1,853 $391,865,000 $211,476 $4,167 4.68%
    $150k-250k 1,324 $370,450,000 $279,796 $4,112 4.73%
    $50k or less 1,288 $179,670,000 $139,495 $3,292 4.65%
    $250k+ 578 $230,020,000 $397,958 $4,284 4.71%

    Bell Bank lent most frequently to those with incomes in the $50k-75k range, with 2,355 originations. The second most popular income band? $100k-150k, with 2,145 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 2,022 $438,170,000 $216,701 $3,588 4.64%
    30-36% 1,897 $414,385,000 $218,442 $3,738 4.67%
    <20% 686 $143,490,000 $209,169 $3,125 4.55%
    41% 427 $96,985,000 $227,131 $3,959 4.76%
    42% 421 $94,455,000 $224,359 $4,012 4.73%
    44% 421 $92,415,000 $219,513 $4,020 4.72%
    43% 373 $84,365,000 $226,180 $4,139 4.73%
    40% 371 $84,875,000 $228,774 $3,889 4.74%
    37% 369 $90,375,000 $244,919 $3,964 4.69%
    39% 364 $80,700,000 $221,703 $3,968 4.69%
    38% 364 $84,320,000 $231,648 $3,942 4.68%
    50-60% 312 $73,940,000 $236,987 $6,887 4.62%
    36% 309 $68,945,000 $223,123 $3,827 4.74%
    45% 277 $62,165,000 $224,422 $4,389 4.69%
    47% 268 $54,670,000 $203,993 $4,132 4.74%
    46% 255 $56,355,000 $221,000 $4,286 4.72%
    49% 255 $59,415,000 $233,000 $4,720 4.68%
    48% 237 $55,745,000 $235,211 $4,654 4.75%
    >60% 8 $2,640,000 $330,000 $3,458 4.52%

    Bell Bank lent most frequently to those with DTI ratios of 20-30%, with 2,022 originations. The next most common DTI ratio? 30-36%, with 1,897 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 8,452 $1,859,500,000 $220,007 $3,880 4.67%
    Not provided 594 $142,580,000 $240,034 $4,220 4.73%
    Not applicable 140 $88,980,000 $635,571 $187 4.77%
    Asian 348 $82,380,000 $236,724 $4,788 4.73%
    Black 204 $47,090,000 $230,833 $5,522 4.75%
    American Indian 42 $7,980,000 $190,000 $4,303 4.76%
    Other Asian 16 $2,880,000 $180,000 $4,031 4.85%
    Asian Indian 9 $1,925,000 $213,889 $2,572 5.01%
    Native Hawaiian or Islander 9 $1,815,000 $201,667 $4,577 4.93%
    Chinese 1 $335,000 $335,000 $2,969 5.38%
    1 $335,000 $335,000 $6,663 4.38%
    Japanese 3 $175,000 $58,333 $82 4.62%

    Approval Rates

    Total approvals of all applications
    97.81%

    Bell Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    88.54%

    Bell Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 9,819 $2,235,975,000 $227,719

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 45 $67,545,000 $1,501,000
    Single Family (1-4 Units):Manufactured 11 $935,000 $85,000
    Single Family (1-4 Units):Site-Built 9,763 $2,167,495,000 $222,011

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 706 $75,490,000 $106,926 $1,349 4.80%
    40-60% 608 $135,400,000 $222,697 $2,773 4.54%
    60-80% 2,394 $661,760,000 $276,424 $3,785 4.68%
    80-100% 5,127 $1,292,675,000 $252,131 $4,623 4.66%
    Over 100% 87 $26,785,000 $307,874 $8,578 4.54%
    Under 20% 892 $43,510,000 $48,778 $260 4.82%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Bell Bank 1001 Broadway Street Alexandria, MN 56308 Full Service B&M $120,972
    Bell Bank 101 Center Avenue East Dilworth, MN 56529 Full Service B&M $26,205
    Bell Bank 1018 Hobart Street Hawley, MN 56549 Full Service B&M $53,344
    Bell Bank 1333 8th Street South Moorhead, MN 56560 Full Service B&M $269,423
    Bell Bank 15 Broadway Fargo, ND 58102 Full Service B&M $104,268
    Bell Bank 15 North Broadway Pelican Rapids, MN 56572 Full Service B&M $44,103
    Bell Bank 205 West Washington Avenue Fergus Falls, MN 56537 Full Service B&M $92,144
    Bell Bank 214 5th Street North Breckenridge, MN 56520 Full Service B&M $7,840
    Bell Bank 2501 South University Drive Fargo, ND 58103 Full Service B&M $197,119
    Bell Bank 2704 North Broadway Fargo, ND 58102 Full Service B&M $366,512
    Bell Bank 2870 52nd Avenue South Fargo, ND 58104 Full Service B&M $52,486
    Bell Bank 3100 13th Avenue, South Fargo, ND 58103 Full Service B&M $1,505,538
    Bell Bank 412 Sheyenne Street West Fargo, ND 58078 Full Service B&M $196,141
    Bell Bank 5050 13th Avenue, S.W. Fargo, ND 58103 Full Service B&M $69,237
    Bell Bank 5500 Wayzata Boulevard Golden Valley, MN 55416 Full Service B&M $994,436
    Bell Bank 563 Bielenberg Drive Woodbury, MN 55125 Full Service B&M $61,896
    Bell Bank 5680 23rd Avenue South, Suite 101 Fargo, ND 58104 Full Service B&M $23,854
    Bell Bank 717 2nd Avenue North Wahpeton, ND 58075 Full Service B&M $71,285
    Bell Bank 7661 West Riverside Drive, Suite 105 Boise, ID 83714 Limited, Trust Office $0
    Bell Bank 920 Lake Avenue Detroit Lakes, MN 56501 Full Service B&M $96,584

    For 2018, Bell Bank had 20 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $216,425
    Net interest income $196,180
    Total noninterest income $102,457
    Gross Fiduciary activities income $16,634
    Service charges on deposit accounts $4,555
    Trading account gains and fees $0
    Additional Noninterest Income $81,268
    Pre-tax net operating income $85,502
    Securities gains (or losses, -) $88
    Income before extraordinary items $62,244
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $62,244
    Minority interest net income $0
    Net income $62,244
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $62,174

    Bell Bank's gross interest income from loans was $216,425,000.
    Bell Bank's net interest income from loans was $196,180,000.
    Bell Bank's fee based income from loans was $4,555,000.
    Bell Bank's net income from loans was $62,244,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $20,245
    Provision for credit losses $9,750
    Total noninterest expense $203,385
    Salaries and employee benefits $127,043
    Premises and equipment expense $17,513
    Additional noninterest expense $58,829
    Applicable income taxes $23,346
    Net charge-offs $980
    Cash dividends $0

    Bell Bank's interest expense for loans was $20,245,000.
    Bell Bank's payroll and benefits expense were $127,043,000.
    Bell Bank's property, plant and equipment expenses $17,513,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $4,671,202
    Deposits held in domestic offices $4,671,202
    Deposits by Individuals, partnerships, and corporations $4,603,122
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $67,984
    Deposits by Commercial banks and other depository institutions in U.S. $96
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $536,397
    Demand deposits $222,230
    Nontransaction accounts $4,134,805
    Money market deposit accounts (MMDAs) $1,232,244
    Other savings deposits (excluding MMDAs) $2,431,566
    Total time deposits $470,995
    Total time and savings deposits $4,448,972
    Noninterest-bearing deposits $998,040
    Interest-bearing deposits $3,673,162
    Retail deposits $4,562,156
    IRAs and Keogh plan accounts $124,572
    Brokered deposits $67,153
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $5,394,695
    Cash & Balances due from depository institutions $67,816
    Interest-bearing balances $11,283
    Total securities $83,126
    Federal funds sold & reverse repurchase $0
    Net loans and leases $5,079,258
    Loan and leases loss allowance $53,681
    Trading account assets $0
    Bank premises and fixed assets $59,414
    Other real estate owned $1,028
    Goodwill and other intangibles $30,156
    All other assets $73,897

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $5,394,695
    Total Liabilities $4,885,193
    Total deposits $4,671,202
    Interest-bearing deposits $3,673,162
    Deposits held in domestic offices $4,671,202
    % insured (estimated) $87
    Federal funds purchased and repurchase agreements $11,058
    Trading liabilities $0
    Other borrowed funds $161,093
    Subordinated debt $0
    All other liabilities $41,840

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,079,258
    Loan and leases loss allowance $53,681
    Total loans and leases (domestic) $5,132,939
    All real estate loans $3,559,997
    Real estate loans in domestic offices $3,559,997
    Construction and development loans $200,671
    Residential 1-4 family construction $22,455
    Other construction, all land development and other land $178,216
    Loans secured by nonfarm nonresidential properties $1,482,088
    Nonfarm nonresidential secured by owner-occupied properties $451,148
    Commercial real estate & other non-farm, non-residential $1,030,940
    Multifamily residential real estate $691,648
    1-4 family residential loans $894,915
    Farmland loans $290,675
    Loans held in foreign offices $0
    Farm loans $121,131
    Commercial and industrial loans $844,224
    To non-U.S. addressees $0
    Loans to individuals $139,938
    Credit card loans $0
    Related Plans $28,417
    Consumer Auto Loans $76,730
    Other loans to individuals $34,791
    All other loans & leases $473,210
    Loans to foreign governments and official institutions $0
    Other loans $209,400
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $3,076
    Non 1-4 family restructured loans & leases $2,157
    Total loans and leases (foreign) $0

    Bell Bank had $5,079,258,000 of loans outstanding in 2018. $3,559,997,000 of loans were in real estate loans. $200,671,000 of loans were in development loans. $691,648,000 of loans were in multifamily mortgage loans. $894,915,000 of loans were in 1-4 family mortgage loans. $121,131,000 of loans were in farm loans. $0 of loans were in credit card loans. $76,730,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 683 $192,360 $281,640
    Nonfarm, nonresidential loans - <$100k 106 $4,979 $46,972
    Nonfarm, nonresidential loans - $100-250k 224 $31,266 $139,580
    Nonfarm, nonresidential loans - $250k-1MM 353 $156,115 $442,252
    Commercial & Industrial, US addressed loans - <$1MM 2,013 $186,495 $92,645
    Commercial & Industrial, US addressed loans - <$100k 1,292 $32,733 $25,335
    Commercial & Industrial, US addressed loans - $100-250k 379 $41,539 $109,602
    Commercial & Industrial, US addressed loans - $250k-1MM 342 $112,223 $328,137
    Farmland loans - <$1MM 421 $69,326 $164,670
    Farmland loans - <$100k 100 $4,380 $43,800
    Farmland loans - $100-250k 209 $28,886 $138,211
    Farmland loans - $250k-1MM 112 $36,060 $321,964
    Agriculture operations loans - <$1MM 550 $46,955 $85,373
    Agriculture operations loans - <$100k 322 $9,898 $30,739
    Agriculture operations loans - $100-250k 154 $17,902 $116,247
    Agriculture operations loans - $250k-1MM 74 $19,155 $258,851