The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (59 → 59).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. Bell Bank is an FDIC-insured institution (FDIC certificate #19581). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.3% of deposits ($3.1B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.98%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.42% (benchmark: 10%).

Check how much of your own balance is covered

Bell Bank lists 32 offices in 24 cities across 3 states. Most locations:

• Fargo, ND (7)
• Duluth, MN (2)
• Grand Forks, ND (2)
• Alexandria, MN (1)
• Baxter, MN (1)
• Bloomington, MN (1)
• Detroit Lakes, MN (1)
• Dilworth, MN (1)
• Fergus Falls, MN (1)
• Forest Lake, MN (1)
• Gilbert, AZ (1)
• Glendale, AZ (1)

All branch addresses and map

Over the last three years, the CFPB forwarded 54 consumer complaints about STATE BANKSHARES, INC. to the company (24 in the last 12 months). 100.0% received a timely response. That is 4.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Bell Bank reported 14,472 home-loan applications under HMDA (LEI 549300WYBPIWKK6SQC06): 11,534 originated ($3,916,980,000 total), 895 denied, and 1,919 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Bell Bank

Former names

State Bank & Trust; State Bank of Fargo; Bell State Bank & Trust

Type

State-chartered bank

FDIC certificate #

19581

RSSD ID

929352

Primary regulator

FDIC

Holding company

State Bankshares Inc

Established

May 6, 1966

Headquarters

520 Main Ave, Fargo, ND 58103

Website

www.bell.bank

Employees

1,945