Bell Bank Form 13F-HR Filed 2025-02-03

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M CO	COM	88579Y101	867,872	6,723	SH		SOLE	NONE	6,723	0	0
ABBOTT LABS	COM	002824100	250,765	2,217	SH		SOLE	NONE	2,217	0	0
ABBVIE INC	COM	00287Y109	100,756	567	SH		DFND	NONE	567	0	0
ABBVIE INC	COM	00287Y109	12,898,000	72,583	SH		SOLE	NONE	72,583	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	632,870	1,799	SH		SOLE	NONE	1,799	0	0
ADOBE INC	COM	00724F101	13,785	31	SH		DFND	NONE	31	0	0
ADOBE INC	COM	00724F101	546,067	1,228	SH		SOLE	NONE	1,228	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	26,695	221	SH		DFND	NONE	221	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	1,057,154	8,752	SH		SOLE	NONE	8,752	0	0
AFLAC INC	COM	001055102	2,071,696	20,028	SH		SOLE	NONE	20,028	0	0
AGNC INVT CORP	COM	00123Q104	43,738	4,749	SH		DFND	NONE	4,749	0	0
AGNC INVT CORP	COM	00123Q104	5,355,532	581,491	SH		SOLE	NONE	581,491	0	0
ALLSTATE CORP	COM	020002101	976,096	5,063	SH		SOLE	NONE	5,063	0	0
ALPHABET INC	CAP STK CL C	02079K107	100,743	529	SH		DFND	NONE	529	0	0
ALPHABET INC	CAP STK CL C	02079K107	6,131,597	32,197	SH		SOLE	NONE	32,197	0	0
ALPHABET INC	CAP STK CL A	02079K305	101,276	535	SH		DFND	NONE	535	0	0
ALPHABET INC	CAP STK CL A	02079K305	7,422,832	39,212	SH		SOLE	NONE	39,212	0	0
AMAZON COM INC	COM	023135106	194,599	887	SH		DFND	NONE	887	0	0
AMAZON COM INC	COM	023135106	13,486,561	61,473	SH		SOLE	NONE	61,473	0	0
AMERICAN EXPRESS CO	COM	025816109	989,201	3,333	SH		SOLE	NONE	3,333	0	0
AMGEN INC	COM	031162100	54,734	210	SH		DFND	NONE	210	0	0
AMGEN INC	COM	031162100	7,955,515	30,523	SH		SOLE	NONE	30,523	0	0
ANALOG DEVICES INC	COM	032654105	1,471,073	6,924	SH		SOLE	NONE	6,924	0	0
ANNALY CAPITAL MANAGEMENT IN	COM NEW	035710839	18,026	985	SH		DFND	NONE	985	0	0
ANNALY CAPITAL MANAGEMENT IN	COM NEW	035710839	2,307,776	126,108	SH		SOLE	NONE	126,108	0	0
ANSYS INC	COM	03662Q105	823,760	2,442	SH		SOLE	NONE	2,442	0	0
APPLE INC	COM	037833100	203,842	814	SH		DFND	NONE	814	0	0
APPLE INC	COM	037833100	17,990,674	71,842	SH		SOLE	NONE	71,842	0	0
APPLIED MATLS INC	COM	038222105	17,564	108	SH		DFND	NONE	108	0	0
APPLIED MATLS INC	COM	038222105	694,593	4,271	SH		SOLE	NONE	4,271	0	0
ARCHER DANIELS MIDLAND CO	COM	039483102	57,997	1,148	SH		DFND	NONE	1,148	0	0
ARCHER DANIELS MIDLAND CO	COM	039483102	7,569,411	149,830	SH		SOLE	NONE	149,830	0	0
ARES CAPITAL CORP	COM	04010L103	74,360	3,397	SH		DFND	NONE	3,397	0	0
ARES CAPITAL CORP	COM	04010L103	10,521,538	480,655	SH		SOLE	NONE	480,655	0	0
AT&T INC	COM	00206R102	63,369	2,783	SH		DFND	NONE	2,783	0	0
AT&T INC	COM	00206R102	8,553,300	375,639	SH		SOLE	NONE	375,639	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	238,575	815	SH		SOLE	NONE	815	0	0
BANK AMERICA CORP	COM	060505104	762,752	17,355	SH		SOLE	NONE	17,355	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,076,022	4,580	SH		SOLE	NONE	4,580	0	0
BOOKING HOLDINGS INC	COM	09857L108	263,326	53	SH		SOLE	NONE	53	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,143,134	20,211	SH		SOLE	NONE	20,211	0	0
BROADCOM INC	COM	11135F101	57,960	250	SH		DFND	NONE	250	0	0
BROADCOM INC	COM	11135F101	2,909,128	12,548	SH		SOLE	NONE	12,548	0	0
CATERPILLAR INC	COM	149123101	579,690	1,598	SH		SOLE	NONE	1,598	0	0
CHEVRON CORP NEW	COM	166764100	46,783	323	SH		DFND	NONE	323	0	0
CHEVRON CORP NEW	COM	166764100	7,608,156	52,528	SH		SOLE	NONE	52,528	0	0
CHUBB LIMITED	COM	H1467J104	617,531	2,235	SH		SOLE	NONE	2,235	0	0
CISCO SYS INC	COM	17275R102	76,842	1,298	SH		DFND	NONE	1,298	0	0
CISCO SYS INC	COM	17275R102	11,911,159	201,202	SH		SOLE	NONE	201,202	0	0
COCA COLA CO	COM	191216100	12,141	195	SH		DFND	NONE	195	0	0
COCA COLA CO	COM	191216100	1,613,032	25,908	SH		SOLE	NONE	25,908	0	0
COMCAST CORP NEW	CL A	20030N101	305,006	8,127	SH		SOLE	NONE	8,127	0	0
CONAGRA BRANDS INC	COM	205887102	62,687	2,259	SH		DFND	NONE	2,259	0	0
CONAGRA BRANDS INC	COM	205887102	7,785,706	280,566	SH		SOLE	NONE	280,566	0	0
CORTEVA INC	COM	22052L104	272,155	4,778	SH		SOLE	NONE	4,778	0	0
COSTAR GROUP INC	COM	22160N109	1,280,387	17,885	SH		SOLE	NONE	17,885	0	0
COSTCO WHSL CORP NEW	COM	22160K105	32,986	36	SH		DFND	NONE	36	0	0
COSTCO WHSL CORP NEW	COM	22160K105	2,138,574	2,334	SH		SOLE	NONE	2,334	0	0
CROWDSTRIKE HLDGS INC	CL A	22788C105	7,870	23	SH		DFND	NONE	23	0	0
CROWDSTRIKE HLDGS INC	CL A	22788C105	238,828	698	SH		SOLE	NONE	698	0	0
CROWN CASTLE INC	COM	22822V101	43,565	480	SH		DFND	NONE	480	0	0
CROWN CASTLE INC	COM	22822V101	5,771,700	63,593	SH		SOLE	NONE	63,593	0	0
CUMMINS INC	COM	231021106	211,949	608	SH		SOLE	NONE	608	0	0
DANAHER CORPORATION	COM	235851102	1,179,657	5,139	SH		SOLE	NONE	5,139	0	0
DEERE & CO	COM	244199105	16,948	40	SH		DFND	NONE	40	0	0
DEERE & CO	COM	244199105	1,080,435	2,550	SH		SOLE	NONE	2,550	0	0
DIGITALBRIDGE GROUP INC	CL A NEW	25401T603	141,000	12,500	SH		SOLE	NONE	12,500	0	0
DIMENSIONAL ETF TRUST	US EQUITY MARKET	25434V401	1,559,453	24,462	SH		SOLE	NONE	24,462	0	0
DIMENSIONAL ETF TRUST	US MKTWIDE VALUE	25434V724	217,122	5,306	SH		SOLE	NONE	5,306	0	0
DISCOVER FINL SVCS	COM	254709108	243,908	1,408	SH		SOLE	NONE	1,408	0	0
DOUBLELINE INCOME SOLUTIONS	COM	258622109	171,656	13,656	SH		SOLE	NONE	13,656	0	0
DOW INC	COM	260557103	42,217	1,052	SH		DFND	NONE	1,052	0	0
DOW INC	COM	260557103	6,428,585	160,194	SH		SOLE	NONE	160,194	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	68,738	638	SH		DFND	NONE	638	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	9,038,093	83,888	SH		SOLE	NONE	83,888	0	0
DUPONT DE NEMOURS INC	COM	26614N102	327,189	4,291	SH		SOLE	NONE	4,291	0	0
ECOLAB INC	COM	278865100	318,207	1,358	SH		SOLE	NONE	1,358	0	0
ELI LILLY & CO	COM	532457108	1,155,684	1,497	SH		SOLE	NONE	1,497	0	0
EXACT SCIENCES CORP	COM	30063P105	335,454	5,970	SH		SOLE	NONE	5,970	0	0
EXTRA SPACE STORAGE INC	COM	30225T102	3,646,500	24,375	SH		SOLE	NONE	24,375	0	0
EXXON MOBIL CORP	COM	30231G102	43,566	405	SH		DFND	NONE	405	0	0
EXXON MOBIL CORP	COM	30231G102	8,919,275	82,916	SH		SOLE	NONE	82,916	0	0
FAIR ISAAC CORP	COM	303250104	605,243	304	SH		SOLE	NONE	304	0	0
FASTENAL CO	COM	311900104	1,325,661	18,435	SH		SOLE	NONE	18,435	0	0
FEDEX CORP	COM	31428X106	216,061	768	SH		SOLE	NONE	768	0	0
FIRST TR MORNINGSTAR DIVID L	SHS	336917109	564,244	14,015	SH		SOLE	NONE	14,015	0	0
FORTINET INC	COM	34959E109	27,021	286	SH		DFND	NONE	286	0	0
FORTINET INC	COM	34959E109	815,362	8,630	SH		SOLE	NONE	8,630	0	0
GILEAD SCIENCES INC	COM	375558103	76,113	824	SH		DFND	NONE	824	0	0
GILEAD SCIENCES INC	COM	375558103	10,840,820	117,363	SH		SOLE	NONE	117,363	0	0
GLOBANT S A	COM	L44385109	1,116,271	5,206	SH		SOLE	NONE	5,206	0	0
GOLDMAN SACHS PHYSICAL GOLD	UNIT	38150K103	447,846	17,268	SH		SOLE	NONE	17,268	0	0
GSK PLC	SPONSORED ADR	37733W204	41,835	1,237	SH		DFND	NONE	1,237	0	0
GSK PLC	SPONSORED ADR	37733W204	6,096,934	180,276	SH		SOLE	NONE	180,276	0	0
HEICO CORP NEW	COM	422806109	1,731,460	7,283	SH		SOLE	NONE	7,283	0	0
HESS CORP	COM	42809H107	741,664	5,576	SH		SOLE	NONE	5,576	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	30,402	1,424	SH		DFND	NONE	1,424	0	0
HEWLETT PACKARD ENTERPRISE C	COM	42824C109	3,892,767	182,331	SH		SOLE	NONE	182,331	0	0
HOME DEPOT INC	COM	437076102	26,451	68	SH		DFND	NONE	68	0	0
HOME DEPOT INC	COM	437076102	1,936,392	4,978	SH		SOLE	NONE	4,978	0	0
HONEYWELL INTL INC	COM	438516106	574,212	2,542	SH		SOLE	NONE	2,542	0	0
HUNTINGTON BANCSHARES INC	COM	446150104	69,213	4,254	SH		DFND	NONE	4,254	0	0
HUNTINGTON BANCSHARES INC	COM	446150104	9,017,094	554,216	SH		SOLE	NONE	554,216	0	0
INDEPENDENCE RLTY TR INC	COM	45378A106	1,746,039	88,006	SH		SOLE	NONE	88,006	0	0
INTEL CORP	COM	458140100	1,417,896	70,718	SH		SOLE	NONE	70,718	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	67,048	305	SH		DFND	NONE	305	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	11,224,519	51,060	SH		SOLE	NONE	51,060	0	0
INTERNATIONAL PAPER CO	COM	460146103	641,804	11,925	SH		SOLE	NONE	11,925	0	0
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	1,654,837	24,688	SH		SOLE	NONE	24,688	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,601	9	SH		DFND	NONE	9	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	194,814,927	381,071	SH		SOLE	NONE	381,071	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	342,354	6,556	SH		SOLE	NONE	6,556	0	0
ISHARES TR	S&P 100 ETF	464287101	237,435	822	SH		SOLE	NONE	822	0	0
ISHARES TR	CORE S&P500 ETF	464287200	581,027	987	SH		SOLE	NONE	987	0	0
ISHARES TR	CORE US AGGBD ET	464287226	775	8	SH		DFND	NONE	8	0	0
ISHARES TR	CORE US AGGBD ET	464287226	50,046,331	516,474	SH		SOLE	NONE	516,474	0	0
ISHARES TR	RUS MID CAP ETF	464287499	339,633	3,842	SH		SOLE	NONE	3,842	0	0
ISHARES TR	RUS 1000 VAL ETF	464287598	269,364	1,455	SH		SOLE	NONE	1,455	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	709,190	1,766	SH		SOLE	NONE	1,766	0	0
ISHARES TR	RUS 2000 GRW ETF	464287648	811,365	2,819	SH		SOLE	NONE	2,819	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	304,704	1,379	SH		SOLE	NONE	1,379	0	0
ISHARES TR	U.S. TECH ETF	464287721	221,733	1,390	SH		SOLE	NONE	1,390	0	0
ISHARES TR	GLB INFRASTR ETF	464288372	365,890	7,000	SH		SOLE	NONE	7,000	0	0
ISHARES TR	PFD AND INCM SEC	464288687	306,446	9,747	SH		SOLE	NONE	9,747	0	0
ISHARES TR	MSCI USA ESG SLC	464288802	634,578	5,219	SH		SOLE	NONE	5,219	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	7,028	100	SH		DFND	NONE	100	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	249,265,238	3,546,745	SH		SOLE	NONE	3,546,745	0	0
ISHARES TR	CORE DIV GRWTH	46434V621	527,524	8,600	SH		SOLE	NONE	8,600	0	0
ISHARES TR	ESG AW MSCI EAFE	46435G516	491,179	6,451	SH		SOLE	NONE	6,451	0	0
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	2,694,533	46,837	SH		SOLE	NONE	46,837	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	2,114,684	41,983	SH		SOLE	NONE	41,983	0	0
J P MORGAN EXCHANGE TRADED F	NASDAQ EQT PREM	46654Q203	912,623	16,187	SH		SOLE	NONE	16,187	0	0
JOHNSON & JOHNSON	COM	478160104	635,460	4,394	SH		SOLE	NONE	4,394	0	0
JPMORGAN CHASE & CO.	COM	46625H100	25,409	106	SH		DFND	NONE	106	0	0
JPMORGAN CHASE & CO.	COM	46625H100	4,383,097	18,285	SH		SOLE	NONE	18,285	0	0
KIMBERLY-CLARK CORP	COM	494368103	38,133	291	SH		DFND	NONE	291	0	0
KIMBERLY-CLARK CORP	COM	494368103	5,598,552	42,724	SH		SOLE	NONE	42,724	0	0
KINDER MORGAN INC DEL	COM	49456B101	52,553	1,918	SH		DFND	NONE	1,918	0	0
KINDER MORGAN INC DEL	COM	49456B101	6,547,915	238,975	SH		SOLE	NONE	238,975	0	0
KRAFT HEINZ CO	COM	500754106	52,944	1,724	SH		DFND	NONE	1,724	0	0
KRAFT HEINZ CO	COM	500754106	7,240,497	235,770	SH		SOLE	NONE	235,770	0	0
LOCKHEED MARTIN CORP	COM	539830109	538,907	1,109	SH		SOLE	NONE	1,109	0	0
LOWES COS INC	COM	548661107	14,314	58	SH		DFND	NONE	58	0	0
LOWES COS INC	COM	548661107	1,145,892	4,643	SH		SOLE	NONE	4,643	0	0
LYONDELLBASELL INDUSTRIES N	SHS - A -	N53745100	45,008	606	SH		DFND	NONE	606	0	0
LYONDELLBASELL INDUSTRIES N	SHS - A -	N53745100	6,995,788	94,194	SH		SOLE	NONE	94,194	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	52,130	99	SH		DFND	NONE	99	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	2,938,787	5,581	SH		SOLE	NONE	5,581	0	0
MCDONALDS CORP	COM	580135101	18,263	63	SH		DFND	NONE	63	0	0
MCDONALDS CORP	COM	580135101	3,663,050	12,636	SH		SOLE	NONE	12,636	0	0
MCKESSON CORP	COM	58155Q103	280,396	492	SH		SOLE	NONE	492	0	0
MERCK & CO INC	COM	58933Y105	19,896	200	SH		DFND	NONE	200	0	0
MERCK & CO INC	COM	58933Y105	1,026,733	10,321	SH		SOLE	NONE	10,321	0	0
META PLATFORMS INC	CL A	30303M102	217,224	371	SH		DFND	NONE	371	0	0
META PLATFORMS INC	CL A	30303M102	10,019,247	17,112	SH		SOLE	NONE	17,112	0	0
MICROSOFT CORP	COM	594918104	187,568	445	SH		DFND	NONE	445	0	0
MICROSOFT CORP	COM	594918104	14,687,589	34,846	SH		SOLE	NONE	34,846	0	0
MORGAN STANLEY	COM NEW	617446448	669,710	5,327	SH		SOLE	NONE	5,327	0	0
MOTOROLA SOLUTIONS INC	COM NEW	620076307	275,027	595	SH		SOLE	NONE	595	0	0
MPLX LP	COM UNIT REP LTD	55336V100	296,732	6,200	SH		SOLE	NONE	6,200	0	0
NETFLIX INC	COM	64110L106	18,718	21	SH		DFND	NONE	21	0	0
NETFLIX INC	COM	64110L106	1,845,924	2,071	SH		SOLE	NONE	2,071	0	0
NEXTERA ENERGY INC	COM	65339F101	726,506	10,134	SH		SOLE	NONE	10,134	0	0
NINE ENERGY SERVICE INC	COM	65441V101	41,729	37,258	SH		SOLE	NONE	37,258	0	0
NORFOLK SOUTHN CORP	COM	655844108	345,009	1,470	SH		SOLE	NONE	1,470	0	0
NVIDIA CORPORATION	COM	67066G104	36,258	270	SH		DFND	NONE	270	0	0
NVIDIA CORPORATION	COM	67066G104	27,601,429	205,536	SH		SOLE	NONE	205,536	0	0
NXP SEMICONDUCTORS N V	COM	N6596X109	648,076	3,118	SH		SOLE	NONE	3,118	0	0
ORACLE CORP	COM	68389X105	558,077	3,349	SH		SOLE	NONE	3,349	0	0
OTTER TAIL CORP	COM	689648103	301,710	4,086	SH		SOLE	NONE	4,086	0	0
PALANTIR TECHNOLOGIES INC	CL A	69608A108	582,351	7,700	SH		SOLE	NONE	7,700	0	0
PARKER-HANNIFIN CORP	COM	701094104	745,427	1,172	SH		SOLE	NONE	1,172	0	0
PEPSICO INC	COM	713448108	488,721	3,214	SH		SOLE	NONE	3,214	0	0
PFIZER INC	COM	717081103	65,662	2,475	SH		DFND	NONE	2,475	0	0
PFIZER INC	COM	717081103	8,737,045	329,327	SH		SOLE	NONE	329,327	0	0
PHILLIPS 66	COM	718546104	301,231	2,644	SH		SOLE	NONE	2,644	0	0
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	767,743	20,495	SH		SOLE	NONE	20,495	0	0
PROCTER AND GAMBLE CO	COM	742718109	1,696,953	10,122	SH		SOLE	NONE	10,122	0	0
PROLOGIS INC.	COM	74340W103	209,286	1,980	SH		SOLE	NONE	1,980	0	0
PROSHARES TR	DJ BRKFLD GLB	74347B508	343,840	7,000	SH		SOLE	NONE	7,000	0	0
PRUDENTIAL FINL INC	COM	744320102	63,414	535	SH		DFND	NONE	535	0	0
PRUDENTIAL FINL INC	COM	744320102	8,674,025	73,180	SH		SOLE	NONE	73,180	0	0
PUBLIC STORAGE OPER CO	COM	74460D109	2,217,653	7,406	SH		SOLE	NONE	7,406	0	0
QUALCOMM INC	COM	747525103	12,750	83	SH		DFND	NONE	83	0	0
QUALCOMM INC	COM	747525103	525,073	3,418	SH		SOLE	NONE	3,418	0	0
REGENERON PHARMACEUTICALS	COM	75886F107	213,699	300	SH		SOLE	NONE	300	0	0
RIO TINTO PLC	SPONSORED ADR	767204100	65,279	1,110	SH		DFND	NONE	1,110	0	0
RIO TINTO PLC	SPONSORED ADR	767204100	8,299,326	141,121	SH		SOLE	NONE	141,121	0	0
ROLLINS INC	COM	775711104	1,035,042	22,331	SH		SOLE	NONE	22,331	0	0
S&P GLOBAL INC	COM	78409V104	1,165,390	2,340	SH		SOLE	NONE	2,340	0	0
SALESFORCE INC	COM	79466L302	22,066	66	SH		DFND	NONE	66	0	0
SALESFORCE INC	COM	79466L302	2,852,169	8,531	SH		SOLE	NONE	8,531	0	0
SCHWAB STRATEGIC TR	FUNDAMENTAL INTL	808524755	236,156	7,111	SH		SOLE	NONE	7,111	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,197,272	43,824	SH		SOLE	NONE	43,824	0	0
SCHWAB STRATEGIC TR	MUN BD ETF	808524649	298,093	11,608	SH		SOLE	NONE	11,608	0	0
SCHWAB STRATEGIC TR	INTERNL DIVID	808524672	229,790	9,939	SH		SOLE	NONE	9,939	0	0
SEAGATE TECHNOLOGY HLDNGS PL	ORD SHS	G7997R103	44,795	519	SH		DFND	NONE	519	0	0
SEAGATE TECHNOLOGY HLDNGS PL	ORD SHS	G7997R103	6,587,438	76,323	SH		SOLE	NONE	76,323	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,080,031	22,347	SH		SOLE	NONE	22,347	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	244,844	1,053	SH		SOLE	NONE	1,053	0	0
SERVICENOW INC	COM	81762P102	1,607,142	1,516	SH		SOLE	NONE	1,516	0	0
SOUTHERN CO	COM	842587107	73,018	887	SH		DFND	NONE	887	0	0
SOUTHERN CO	COM	842587107	9,954,546	120,925	SH		SOLE	NONE	120,925	0	0
SPDR GOLD TR	GOLD SHS	78463V107	407,021	1,681	SH		SOLE	NONE	1,681	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	14,489,656	24,723	SH		SOLE	NONE	24,723	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	796,273	1,398	SH		SOLE	NONE	1,398	0	0
SPDR SER TR	BLOOMBERG 3-12 M	78468R523	496	5	SH		DFND	NONE	5	0	0
SPDR SER TR	BLOOMBERG 3-12 M	78468R523	62,102,007	626,344	SH		SOLE	NONE	626,344	0	0
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	27,407,605	299,766	SH		SOLE	NONE	299,766	0	0
SPDR SER TR	PRTFLO S&P500 VL	78464A508	1,688	33	SH		DFND	NONE	33	0	0
SPDR SER TR	PRTFLO S&P500 VL	78464A508	64,057,452	1,252,590	SH		SOLE	NONE	1,252,590	0	0
STARBUCKS CORP	COM	855244109	818,513	8,970	SH		SOLE	NONE	8,970	0	0
STRYKER CORPORATION	COM	863667101	222,151	617	SH		SOLE	NONE	617	0	0
TC ENERGY CORP	COM	87807B107	65,747	1,413	SH		DFND	NONE	1,413	0	0
TC ENERGY CORP	COM	87807B107	8,111,528	174,329	SH		SOLE	NONE	174,329	0	0
TESLA INC	COM	88160R101	110,248	273	SH		DFND	NONE	273	0	0
TESLA INC	COM	88160R101	5,419,533	13,420	SH		SOLE	NONE	13,420	0	0
TEXAS INSTRS INC	COM	882508104	301,516	1,608	SH		SOLE	NONE	1,608	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	20,289	39	SH		DFND	NONE	39	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	910,403	1,750	SH		SOLE	NONE	1,750	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	261,500	708	SH		SOLE	NONE	708	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	35,548	180	SH		DFND	NONE	180	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	1,295,534	6,560	SH		SOLE	NONE	6,560	0	0
THE TRADE DESK INC	COM CL A	88339J105	760,302	6,469	SH		SOLE	NONE	6,469	0	0
TYLER TECHNOLOGIES INC	COM	902252105	1,355,681	2,351	SH		SOLE	NONE	2,351	0	0
UNILEVER PLC	SPON ADR NEW	904767704	51,087	901	SH		DFND	NONE	901	0	0
UNILEVER PLC	SPON ADR NEW	904767704	6,288,880	110,915	SH		SOLE	NONE	110,915	0	0
UNION PAC CORP	COM	907818108	354,374	1,554	SH		SOLE	NONE	1,554	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	53,466	424	SH		DFND	NONE	424	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	8,496,871	67,382	SH		SOLE	NONE	67,382	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	62,727	124	SH		DFND	NONE	124	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	3,642,192	7,200	SH		SOLE	NONE	7,200	0	0
US BANCORP DEL	COM NEW	902973304	276,649	5,784	SH		SOLE	NONE	5,784	0	0
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	230,978	2,491	SH		SOLE	NONE	2,491	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	423,766	5,893	SH		SOLE	NONE	5,893	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	2,475,293	4,594	SH		DFND	NONE	4,594	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	82,695,481	153,478	SH		SOLE	NONE	153,478	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	612,491	2,187	SH		SOLE	NONE	2,187	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	480,800	2,001	SH		SOLE	NONE	2,001	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,441,939	8,426	SH		SOLE	NONE	8,426	0	0
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	181	4	SH		DFND	NONE	4	0	0
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	10,727,671	236,605	SH		SOLE	NONE	236,605	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	1,684,986	35,236	SH		SOLE	NONE	35,236	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	2,424	19	SH		DFND	NONE	19	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	88,860,566	696,454	SH		SOLE	NONE	696,454	0	0
VANGUARD WORLD FD	ESG US STK ETF	921910733	1,587,615	15,136	SH		SOLE	NONE	15,136	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	534,003	1,555	SH		SOLE	NONE	1,555	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	481,278	3,853	SH		SOLE	NONE	3,853	0	0
VANGUARD WORLD FD	INF TECH ETF	92204A702	796,526	1,281	SH		SOLE	NONE	1,281	0	0
VEEVA SYS INC	CL A COM	922475108	1,106,546	5,263	SH		SOLE	NONE	5,263	0	0
VERISK ANALYTICS INC	COM	92345Y106	276,807	1,005	SH		SOLE	NONE	1,005	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	56,706	1,418	SH		DFND	NONE	1,418	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	7,328,767	183,265	SH		SOLE	NONE	183,265	0	0
VIATRIS INC	COM	92556V106	41,023	3,295	SH		DFND	NONE	3,295	0	0
VIATRIS INC	COM	92556V106	5,902,893	474,128	SH		SOLE	NONE	474,128	0	0
VISA INC	COM CL A	92826C839	60,364	191	SH		DFND	NONE	191	0	0
VISA INC	COM CL A	92826C839	4,490,928	14,210	SH		SOLE	NONE	14,210	0	0
WALMART INC	COM	931142103	6,505	72	SH		DFND	NONE	72	0	0
WALMART INC	COM	931142103	986,170	10,915	SH		SOLE	NONE	10,915	0	0
WASTE MGMT INC DEL	COM	94106L109	1,933,552	9,582	SH		SOLE	NONE	9,582	0	0
WEST PHARMACEUTICAL SVSC INC	COM	955306105	1,219,833	3,724	SH		SOLE	NONE	3,724	0	0
XCEL ENERGY INC	COM	98389B100	747,514	11,071	SH		SOLE	NONE	11,071	0	0

Check here if Amendment:	☐ Amendment Number:
This Amendment (Check only one.):	☐ is a restatement. ☐ adds new holdings entries.

Name:	Bell Bank
Address:	520 MAIN AVENUE

	FARGO, ND 58103
Form 13F File Number:	028-05106

Name:	Miranda Seeger
Title:	VP/Wealth Operations Manager
Phone:	701-451-3015

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	262
Form 13F Information table Value Total:	1344393139 (thousands)

Institutional Investment Manager Filing this Report:

Signature, Place, and Date of Signing:

Report Type (Check only one.):

Form 13F Summary Page

Report Summary:

List of Other Included Managers: