Who They Are
Bell Bank is one of the nation’s largest family- and employee-owned banks, with more than $14.5 billion in total assets and a long history of putting people first. Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown steadily across full-service locations in North Dakota, Minnesota, and Arizona.
With over a decade of 16% annual growth, Bell has earned its reputation by adding exceptional talent, building strong relationships, and maintaining a culture grounded in service. Their Pay It Forward initiative—empowering employees to give back more than $30 million since 2008—is a cornerstone of their values-driven identity.
Why They’re Different
Bell Bank’s private ownership allows them to prioritize long-term decision-making and invest in what matters most: customers, employees, and community.
Instead of chasing quarterly targets or shareholder expectations, Bell focuses on sustainable growth, client-first service, and lasting relationships. Their award-winning culture reflects this philosophy, creating an environment where advisors and clients benefit from stability and genuine partnership.
As Bell Bank’s leadership notes:
The advantage of being privately owned is being able to think longer-term and make smart investments in the best interest of our customers and company.”
What Sets Bell Apart
Privately Owned – Family and employee ownership means decisions aren’t dictated by shareholders, but by what best supports customers.
Patient Capital – Bell invests with a long-term horizon, reinvesting profits to strengthen customer relationships and organizational growth.
Leadership Access – A flat organizational structure ensures quick decision-making and direct access to leaders when complex or time-sensitive client needs arise.
Financial Strength – Bell’s size, stability, and lending capacity provide the resources needed to support advisors and their clients—regardless of economic cycles.
Why We Partner With Bell Bank
Fispoke chose Bell Bank because their philosophy aligns perfectly with the needs of independent advisors serving high-net-worth and ultra-high-net-worth clients. Their combination of scale, strength, and relationship-driven service powers several of Fispoke’s core offerings—including high-yield savings accounts, advisor financing, and securities-based lending.
Bell provides the reliability and sophistication advisors expect from a premier financial institution, paired with the human-centered approach that makes a true partnership.