Bell Bank (FDIC #19581): Bank Stress & Real-Estate Credit Exposure
Bell Bank (FDIC Cert #19581): bank stress 73/100, elevated, STABLE over 7 days; parent STATE BANKSHARES INC.
Bell Bank (#19581) lends in 13 counties across 4 states; Bell Bank (#19581) reaches 460 ZIP codes: Minnesota 8 counties, 232 ZIPs; North Dakota 3 counties, 69 ZIPs; Arizona 1 county, 140 ZIPs; Idaho 1 county, 19 ZIPs.
Bell Bank (#19581) largest markets: Maricopa County, AZ (560 branches, 140 ZIPs) (#19581), Hennepin County, MN (292 branches, 73 ZIPs) (#19581), St. Louis County, MN (104 branches, 52 ZIPs) (#19581), Otter Tail County, MN (68 branches, 34 ZIPs) (#19581), Cass County, ND (270 branches, 30 ZIPs) (#19581), Grand Forks County, ND (22 branches, 22 ZIPs) (#19581).
Bell Bank (#19581) reports $15.18 billion in total assets; Bell Bank (#19581) equity $1.47 billion (9.7% of Bell Bank (#19581) assets); Bell Bank (#19581) domestic deposits $12.36 billion; Bell Bank (#19581) net income $68.8 million; Bell Bank (#19581) return on assets 0.93%; Bell Bank (#19581) return on equity 9.53%; Bell Bank (#19581) net interest income $199.0 million; Bell Bank (#19581) call report June 30, 2026.
Bell Bank (#19581) noncurrent real-estate loans 0.02% of its book; Bell Bank (#19581) net charge-offs on real estate 0.97%; Bell Bank (#19581) multifamily charge-offs 0.30%; Bell Bank (#19581) residential charge-offs 0.31%.
Bell Bank (#19581) net interest margin 2.88% against an eight-quarter Bell Bank (#19581) average of 2.28% (Bell Bank (#19581) compression -0.60 points); Bell Bank (#19581) real-estate loans 2.0% of equity; Bell Bank (#19581) non-residential real estate 30.9% of equity; Bell Bank (#19581) rate-exposure score 40/100, Bell Bank (#19581) fixed-rate trap 40/100; Bell Bank (#19581) risk type credit driven; Bell Bank (#19581) rate regime rates elevated, Bell Bank (#19581) snapshot October 19, 2026.
Bell Bank (#19581) stress score moved from 70.6 on June 22, 2026 to 73 on October 19, 2026; Bell Bank (#19581) ranged 70.6 to 73 over 116 snapshots.
Bell Bank (#19581) alerts: 13 counties; top Bell Bank (#19581) alert scores: Grand Forks County, ND 47 (moderate); Alexandria County, ND 24 (low); Baxter County, ND 24 (low); Detroit Lakes County, ND 24 (low); Duluth County, ND 24 (low).