BlastPoint's Banking Scorecard
Bell Bank
Mid-Market
Specialty: Commercial
ND
FDIC cert 19581
Fargo, ND
201
banks in Mid-Market tier nationally
4 in ND
View Mid-Market leaderboard (ND) →
Bell Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.64% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 12% in Mid-Market
- - Credit Risk Growth: Bottom 19% in Mid-Market
- - Capital Thin: Bottom 40% in Mid-Market
- - Efficiency Ratio 20.68% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$14.4B
-0.6% YoY
+2.2% QoQ
|
+$4.0B |
$10.5B
+2.9% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$12.4B
+4.1% YoY
+1.9% QoQ
|
+$5.2B |
$7.1B
+4.5% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$12.4B
-2.8% YoY
+2.7% QoQ
|
+$3.8B |
$8.5B
+3.0% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.59%
+44.9% YoY
-5.7% QoQ
|
-0.57% |
1.16%
+9.4% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.38%
+29.9% YoY
+4.5% QoQ
|
-1.02% |
3.40%
+7.9% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
77.28%
-6.7% YoY
+0.6% QoQ
|
+20.68% |
56.60%
-3.2% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.89%
+16.2% YoY
+18.4% QoQ
|
+0.21% |
0.68%
+12.0% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
99.84%
+7.1% YoY
-0.8% QoQ
|
+14.37% |
85.47%
+1.1% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.50%
+14.8% YoY
+4.7% QoQ
|
-3.14% |
20.64%
-0.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.77%
+22.3% YoY
+17.5% QoQ
|
+0.27% |
0.50%
+7.3% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
11.49%
-0.8% YoY
-3.3% QoQ
|
-2.06% |
13.55%
+1.8% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
21% |
| Non-Interest Income / Assets ? |
1.60%
+2.7% YoY
+30.5% QoQ
|
+0.64% |
0.96%
+7.1% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Mid-Market
Why this stands out
Current:
1.60%
(Tier avg: 0.96%, National avg: 0.65%)
Concerns (4)
Flatlined Growth
risk
#6 of 44 · Bottom 12% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.59%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#17 of 87 · Bottom 19% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
Capital Thin
risk
#21 of 51 · Bottom 40% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
11.49%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
Efficiency Ratio
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
77.28%
(Tier avg: 56.60%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Non-Interest Income / Assets
Current: 1.60% · Tier avg: 0.96%
86
86th pctile
Total Loans
Current: $12.4B · Tier avg: $7.1B
80
80th pctile
Total Deposits
Current: $12.4B · Tier avg: $8.5B
78
78th pctile
Total Assets
Current: $14.4B · Tier avg: $10.5B
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.50% · Tier avg: 20.64%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.68%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
21
21th pctile
Tier 1 Capital Ratio
Current: 11.49% · Tier avg: 13.55%
18
18th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
13
13th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.40%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.84% · Tier avg: 85.47%
7
7th pctile
Efficiency Ratio
Current: 77.28% · Tier avg: 56.60%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 77.28% · Tier avg: 56.60%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.84% · Tier avg: 85.47%
13
13th pctile
Net Interest Margin
Current: 2.38% · Tier avg: 3.40%
18
18th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.16%
21
21th pctile
Tier 1 Capital Ratio
Current: 11.49% · Tier avg: 13.55%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.89% · Tier avg: 0.68%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.50% · Tier avg: 20.64%
78
78th pctile
Total Assets
Current: $14.4B · Tier avg: $10.5B
80
80th pctile
Total Deposits
Current: $12.4B · Tier avg: $8.5B
86
86th pctile
Total Loans
Current: $12.4B · Tier avg: $7.1B
91
91th pctile
Non-Interest Income / Assets
Current: 1.60% · Tier avg: 0.96%