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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · North Dakota, the state note

Bell Bank

Fargo, North Dakota · $15.18B in assets · beside the 10 other the Plains states banks over $10B (the state alone holds too few in the band to rank)

The filing

107.0%
Loans / deposits
11th of 11
0.94%
ROA
11th of 11
70.7%
Efficiency
11th of 11

Bell Bank is the tenth largest of the 11 the Plains states banks over $10B, with $15.18B in assets at 30 June 2026. Loans are 107.0% of deposits, the highest in the cohort against a median of 72.9%, and equity is 9.7% of assets, 5th of 11. Loans grew +8.8% in the year, 6th of 11, and deposits grew 2.8%; the cohort's median loan growth is +8.8%.

Noncurrent loans are 0.90% of the book, 8th of 11 against a median of 0.66%; 0.50% is 30 to 89 days past due, and the allowance covers them 1.1 times. Commercial real estate is 32.7% of loans, 10th of 11 against a median of 18.4%, and 270% of capital, below the 300% screen, with construction at 27% against the 100% screen.

Return on assets is 0.94%, the lowest in the cohort against a median of 1.36%, on an efficiency ratio of 70.7%, the highest in the cohort. Five years ago it was 4.75%. The question is which of these lines moves first over the next four quarters, and against which peer.

Loans as a share of depositsPlains states banks over $10B · 30 June 2026 · lower is stronger, listed first
median 72.9% AB Ameriprise Bank FSB 11.0% CN Citibank National Association 48.9% WF Wells Fargo Bank N.A. 63.8% UB UMB Bank National Association 68.4% CT Central Trust Bank 71.3% SB Stifel Bank 72.9% CB Commerce Bank 74.1% EB Enterprise Bank & Trust 80.8% SB Stifel Bank & Trust 86.9% FN First National Bank of Omaha 88.0% BB Bell Bank 107.0%
Loans, year over yearPlains states banks over $10B · 30 June 2026 · no better direction, largest first
median +8.8% AB Ameriprise Bank FSB +71.8% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% WF Wells Fargo Bank N.A. +11.5% BB Bell Bank +8.8% CN Citibank National Association +8.5% FN First National Bank of Omaha +6.9% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

Bell Bank is the 20th largest 7(a) lender into Minnesota of 444, with $111M across 219 loans, 1.1% of everything approved in the state (Old National Bank leads with $1.05B). 9 of its 45 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Minnesota, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Maricopa, AZ$69M29th of 3030.9%+1.5 pts
Hennepin, MN$54M13th of 2281.9%+0.8 pts
Cass, ND$18M7th of 815.9%-2.1 pts
Dakota, MN$12M18th of 1601.4%thin
Clay, MN$11M1st of 4217.6%+4.4 pts
Washington, MN$8M14th of 1091.8%+5.1 pts
Otter Tail, MN$5M5th of 476.5%+8.4 pts
Yavapai, AZ$5M20th of 891.3%+3.9 pts
Carver, MN$5M12th of 862.1%thin
Scott, MN$4M13th of 961.9%thin
Ramsey, MN$3M50th of 1390.3%+1.4 pts
Marion, IN$3M69th of 1720.2%thin
Pierce, WI$3M5th of 445.1%thin
32 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Manufacturing67$42M18.4%0.10%174th of 2,246
Construction60$27M12.0%0.09%186th of 2,063
Retail trade45$23M10.3%0.04%294th of 2,589
Health care & social assistance33$20M8.7%0.04%257th of 2,172
Professional & technical services51$18M8.1%0.06%207th of 1,955
7(a) lenders into Minnesota, share of approvals since FY2008444 lenders on record; the ten largest and Bell Bank
ON Old National Bank 10.7% $1.05B · 2,156 loans WF Wells Fargo Bank National Associa… 6.7% $663M · 2,451 loans UB U.S. Bank, National Association 5.7% $556M · 3,508 loans B Bankvista 4.5% $438M · 1,010 loans CF Choice Financial Group 3.6% $349M · 744 loans PB Platinum Bank 3.2% $318M · 420 loans LO Live Oak Banking Company 2.5% $247M · 190 loans sC 21st Century Bank 2.4% $238M · 699 loans FN Falcon National Bank 2.1% $211M · 546 loans SB Sunrise Banks National Association 2.1% $204M · 726 loans BB Bell Bank 1.1% $111M · 219 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Bell BankRankCohort median
Total CRE against capital, the 300% screen270%11th of 1195%
Construction against capital, the 100% screen27%5th of 1136%
Construction and land development, share of loans3.3%5th of 115.6%
Non-owner-occupied nonfarm nonresidential, share of loans19.9%9th of 118.2%
Total CRE, the guidance definition, share of loans32.7%10th of 1118.4%
CRE growth over 36 months, the third prong+2.4%6th of 10+2.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Citibank National Association$1976.18B1.0%51.7%0.66%1.03%2.3%48.9%8.7%
Wells Fargo Bank N.A.$1907.93B1.4%55.0%1.04%0.40%1.4%63.8%8.9%
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
First National Bank of Omaha$34.20B1.8%48.1%0.78%1.86%4.0%88.0%11.7%
Ameriprise Bank FSB$25.48B3.0%10.1%0.18%0.10%0.5%11.0%5.8%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Bell Bank$15.18B0.9%70.7%0.90%0.02%1.0%107.0%9.7%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Bell BankCohort median
20212026Change20212026Change
Loans$7.96B$13.23B+66%$11.15B$15.22B+37%
Deposits$8.94B$12.36B+38%$14.35B$23.94B+67%
NPA / loans0.13%0.90%+0.77 pts0.23%0.66%+0.43 pts
Efficiency39.8%70.7%+30.8 pts55.0%51.4%-3.6 pts
ROA4.75%0.94%-3.81 pts1.43%1.36%-0.07 pts

This read was prepared for Bell Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Bell Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks over $10B
Institution www.bell.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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