Creating Trusting Relationships

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. 

Participation loans give you:

• Greater flexibility in working with liquidity and lending limits: You can accommodate larger loan requests or diversify your portfolio by participating loans.
• Enhanced income: You can increase your loan yield by retaining a servicing fee.
• Flexible loan terms: Bell offers a wide range of fixed and variable rate options, including longer-term fixed rates.
• Confidentiality: All financial information is, of course, confidential. It is not our intent to be a commercial competitor in your market, and we will not pursue your customers for additional business.
• New opportunities: Bell participates various loans to our network of banks, helping you grow and diversify your loan portfolio by adding different industries or markets. When working with a correspondent bank, it’s important to make sure you have a strong partner on your side.

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