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Bell Bank is the largest family- and employee-owned bank in the upper Midwest with over $13 billion in assets. Founded in 1966 as State Bank of Fargo, it provides comprehensive financial services including personal and business banking, mortgages, wealth management, and insurance. The bank maintains a 5-star financial stability rating and is headquartered in downtown Fargo's new Bell Tower.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$487K
Average
$990K
Sweet Spot
$0-$500K
Industries with highest loan volume
Wood Kitchen Cabinet and Countertop Manufacturing
3
loans
$948K
avg. amount
Wood Kitchen Cabinet and Countertop Manufacturing
Loans
3
Avg. Amount
$948K
Securities and Commodity Exchanges
2
loans
$650K
avg. amount
Securities and Commodity Exchanges
Loans
2
Avg. Amount
$650K
All Other Specialty Trade Contractors
1
loans
$404K
avg. amount
All Other Specialty Trade Contractors
Loans
1
Avg. Amount
$404K
Electrical Contractors and Other Wiring Installation Contractors
1
loans
$137K
avg. amount
Electrical Contractors and Other Wiring Installation Contractors
Loans
1
Avg. Amount
$137K
Fabricated Structural Metal Manufacturing
1
loans
$1.7M
avg. amount
Fabricated Structural Metal Manufacturing
Loans
1
Avg. Amount
$1.7M
Elementary and Secondary Schools
1
loans
$2.2M
avg. amount
Elementary and Secondary Schools
Loans
1
Avg. Amount
$2.2M
Exam Preparation and Tutoring
1
loans
$150K
avg. amount
Exam Preparation and Tutoring
Loans
1
Avg. Amount
$150K
Offices of Dentists
1
loans
$367K
avg. amount
Offices of Dentists
Loans
1
Avg. Amount
$367K
Plumbing, Heating, and Air-Conditioning Contractors
1
loans
$4.5M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
Loans
1
Avg. Amount
$4.5M
Other Business Service Centers (including Copy Shops)
1
loans
$499K
avg. amount
Other Business Service Centers (including Copy Shops)
Loans
1
Avg. Amount
$499K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 1.86% |
| $500K-$1M | Prime + 1.25% |
| $1M-$2M | Prime + 1.38% |
| $2M-$3M | Prime + 0.25% |
| $3M-$4M | Prime + 1.00% |
| $4M-$5M | Prime + 2.00% |
Spread over Prime at time of loan origination
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)