It could be a white faced hornet. Stay away. If they sting you. It's going to hurt a lot!
Not if it is a bee, they are much smaller than hornets,,,,
There are lots of species of bees, don't assume they will sting, they endangered and are an asset rather than a pest. These are probably mining bees.
Andrena cineraria or Melecta albifrons Mining bees.
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