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We offer your bank flexible underwriting, terms and pricing on loans – plus the fastest decision-making around. Let's make it happen.

Competing Against the “Big Guys”

At Bell, we take pride in the lending partnerships we’ve established with more than 300 other independent community banks in Arizona, Idaho, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, North Dakota, South Dakota, Wisconsin and Wyoming. We’ll help you enhance your customer relationships – and as your bank grows, we’ll help you meet your needs.

Our dedicated correspondent banking and credit team provides you with:

• Flexible underwriting

• Competitive lending terms and pricing

• Fast decision-making

• Consistent communication

We offer loans and services related to:

• Participation loans

• Commercial loans

• Agricultural loans

• Bank stock and ownership loans

• Bank building financing

• Business and personal loans for bankers

• Personal trust, retirement and asset management services
  Not FDIC insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by federal government agency

• 401(k) retirement plans for banks
  Not FDIC insured | May lose value | Not financial institution guaranteed | Not a deposit | Not insured by federal government agency 

Our correspondent banking promise to you

In providing correspondent services, we become the behind-the-scenes partner, helping banks work in a larger relationship without threatening their customer relationship. We will not cross-sell other bank services to your customers.

We’re interested in helping other independent community banks compete against “the big guys.” Learn how to choose the right correspondent banking partner.

Contact one of our correspondent bankers about your request!

We can give you an indication of our interest quickly, without your loan committee sending us your full request package – that can come later. This makes your job easier and limits the time you need to spend searching for a correspondent bank.

Participation Loans

As your customers grow, so do their credit demands. By participating part of the relationship, you provide your customers with loans that grow with them. You can enhance your loan yield by retaining a servicing fee and free up bank liquidity by selling a portion of the loan. We do not reparticipate any loans.

Participation loans give you:

• Greater flexibility in working with liquidity and lending limits Purchasing and selling loans involving credit transactions helps you resolve these issues and manage the concentration risks of your loan portfolio in:

  • Commercial and industrial

  • Real estate

  • Agribusiness

• Additional loan capacity If you need more loans, we can sell you portions of loans we have originated.

• Loan terms You set the terms, we help you do the deal.

• Confidentiality All financial information is, of course, confidential. It is not our intent to be a commercial “player” in your market, and we will not pursue your customers for additional business. .

When working with a correspondent bank, it’s important to make sure you have a strong partner on your side. Learn how to make the right choice.

Contact one of our correspondent bankers about your request!

Bank Stock & Ownership Loans

We are pleased to provide funding for bank stock loans for:

• Regulatory capital requirements

• Acquisitions

• Refinancing

• Sub S restructuring

We also offer business and personal loans to:

• Bank owners

• Insiders

• Directors

• Managers

• Officers

When working with a correspondent bank, it’s important to make sure you have a strong partner on your side. Bell Bank is one of the only banks that has a dedicated correspondent department specializing in correspondent lending, credit, 401(k) plans, trust services and insurance. Our mission is to help other community banks succeed and grow.

To find out how we can put our expertise to work for you, contact Callie Schlieman, SVP/correspondent banker at 701-433-7430 or cschlieman@bell.bank.