Side-by-side · Q2 2026 data
Alerus Financial, National Association vs Bell Bank
Bank
Alerus Financial, National Association
Grand Forks, North Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Alerus Financial, National Association | Bell Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 59 |
| Capital cushion | 43 | 50 (stronger) |
| Loan quality | 91 (stronger) | 70 |
| Earnings | 91 (stronger) | 57 |
| Funding & liquidity | 43 | 43 |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 58th | 25th |
| Total assets | $5.3B | $15.2B |
| Deposits / shares | $4.2B | $12.4B |
| Capital ratio | 9.26% | 9.98% (stronger) |
| Problem loans | 0.26% (stronger) | 0.90% |
| Net charge-offs | 0.47% | 0.02% (stronger) |
| Return on assets | 1.78% (stronger) | 0.93% |
| Loans ÷ deposits | 94.7% (stronger) | 105.9% |
| Uninsured deposits | 35.1% | 25.3% (stronger) |
| Offices | 24 | 32 |
| CFPB complaints (3 yrs) | — | 54 |
| Complaints per $1B deposits | — | 4.4 |
| Mortgage denial rate (HMDA) | 10.1% | 7.1% |
Alerus Financial, National Association has the higher TellerScore (70 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Alerus Financial, National Association leads on 4 and Bell Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.