Bank · FDIC insured
Bell Bank
Top CarrotA $15.2B bank, the 129th largest of 4,207, headquartered in Fargo, ND, with 31 branches in 3 states. Best rates: CDs 4.35% and savings 1.16% APY.
Bell Bank Carrot Score
Carrot ScoreTop Carrot
Higher than 82% of U.S. banks and credit unions
#7 of 25 in Fargo, ND-MN metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Bell Bank
Bell Bank is a family- and employee-owned bank chartered in 1966.
The institution opened in 1966 with a single location in a north Fargo shopping center as State Bank of Fargo.
- Headquarters
- 520 Main Ave, Fargo, ND 58103
- FDIC certificate
- 19581 ↗
Branches
31 branches in 3 states
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Minnesota
17 branches
Minneapolis area · 7
- Bloomington Bell Plaza Branch3800 American Blvd W, Bloomington, MN 55431Directions
- Forest Lake Branch19810 Headwaters Blvd N, Forest Lake, MN 55025Directions
- Colonnade Branch5500 Wayzata Blvd, Golden Valley, MN 55416Directions
- Maple Grove Branch15490 101st Ave N, Maple Grove, MN 55369Directions
- City Center Minneapolis Branch40 S 7th St, Minneapolis, MN 55402Directions
- Stillwater Branch13999 60th St N, Stillwater, MN 55082Directions
- Woodbury Branch563 Bielenberg Dr, Woodbury, MN 55125Directions
Fargo area · 3
- Dilworth Branch101 Center Ave E, Dilworth, MN 56529Directions
- Hawley Branch1018 Hobart St, Hawley, MN 56549Directions
- Moorhead Branch1333 8th St S, Moorhead, MN 56560Directions
Duluth area · 2
- Duluth Branch201 E Superior St, Duluth, MN 55802Directions
- Duluth Heights Branch3501 W Arrowhead Rd, Duluth, MN 55811Directions
Fergus Falls area · 2
- Fergus Falls Branch205 W Washington Ave, Fergus Falls, MN 56537Directions
- Pelican Rapids Branch11 S Broadway, Pelican Rapids, MN 56572Directions
Alexandria area · 1
- Alexandria Branch1001 Broadway St, Alexandria, MN 56308Directions
Brainerd area · 1
- Baxter Branch14091 Baxter Dr, Baxter, MN 56425Directions
Detroit Lakes area · 1
- Detroit Lakes Branch920 Lake Ave, Detroit Lakes, MN 56501Directions
North Dakota
10 branches
Fargo area · 8
- Center Branch3100 13th Ave S, Fargo, ND 58103Directions
- Fargo Bell Tower - Headquarters Branch520 Main Avenue, Fargo, ND 58103Directions
- North Broadway Branch2704 Broadway N, Fargo, ND 58102Directions
- South Branch2501 University Dr S, Fargo, ND 58103Directions
- Timber Creek Office Branch2870 52nd Ave S, Fargo, ND 58104Directions
- Time Square Branch5050 13th Ave S, Fargo, ND 58103Directions
- Veterans Boulevard5680 23rd Ave S Ste 101, Fargo, ND 58104Directions
- West Fargo Branch320 32nd Ave W, West Fargo, ND 58078Directions
Grand Forks area · 1
- Grand Forks-South Branch4303 S Columbia Rd., Grand Forks, ND 58201Directions
Wahpeton area · 1
- Wahpeton Branch717 2nd Ave N, Wahpeton, ND 58075Directions
Arizona
4 branches
- Gilbert (Val Vista) Branch3683 S Val Vista Dr, Gilbert, AZ 85297Directions
- Glendale Az Branch6838 N 58th Drive, Glendale, AZ 85301Directions
- Peoria (Arrowhead) Branch8349 W Bell Rd, Peoria, AZ 85382Directions
- Phoenix-Biltmore Branch2710 E Camelback Rd, Phoenix, AZ 85016Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.98% | 9.97% | 10.85% or more |
| Troubled loansNoncurrent | 0.90% | 0.70% | 0.47% or less |
| ProfitabilityReturn on assets | 0.93% | 1.23% | 1.55% or more |
| LendingLoans per $100 deposited | $107 | $85 | — |
- CapitalLeverage ratio9.98%Peers’ middle 9.97% · Top 25% 10.85%+
- Troubled loansNoncurrent0.90%Peers’ middle 0.70% · Top 25% ≤0.47%
- ProfitabilityReturn on assets0.93%Peers’ middle 1.23% · Top 25% 1.55%+
- LendingLoans per $100 deposited$107Peers’ middle $85
Compared with the 164 banks with $10 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Bell Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.