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Bell Bank
Fargo, ND·FDIC Cert #19581·Charter: STATE·Est. 19660506.0·HC: STATE BANKSHARES INC
Total Assets
$14.4B
Q4 2025
Return on Assets
0.59%
-0.04%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
77.28%
Peer avg: 54.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
46
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.59%-0.04
ROE
6.11%-0.38
Efficiency
77.28%+0.42
Equity/Assets
0.00%+0.00
NPL Ratio
0.89%+0.14
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.84%-0.80
Charge-offs
0.02%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.4 | 0.4 | 0.4 | 0.4 | 0.5 | 0.6 | 0.6 | 0.6 |
| ROE | 4.5 | 4.6 | 4.5 | 4.3 | 5.8 | 6.3 | 6.5 | 6.1 |
| Efficiency | 82.1 | 81.8 | 82.4 | 82.8 | 78.6 | 77.4 | 76.9 | 77.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.6 | 0.7 | 0.8 | 0.8 | 0.7 | 0.8 | 0.9 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 100.5 | 102.0 | 99.4 | 93.2 | 93.0 | 100.0 | 100.6 | 99.8 |
Balance Sheet
Total Assets$14.4B
Total Deposits$12.4B
Total Loans$12.4B
Total Equity$1.4B
Profitability
ROA0.59%
ROE6.11%
Efficiency Ratio77.28%
Net Income$84.8M
Risk & Asset Quality
NPL Ratio0.89%
Charge-off Rate0.02%
Loan/Deposit99.84%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans