Visbanking Logo

Frandsen Bank & Trust

Lonsdale, MN
IDRSSD: 751656
Total Assets
$3.60B
Latest filing
Total Deposits
$3.08B
Latest filing
Net Interest Margin
4.02%
Profitability
0

Quarterly Trends

Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).

Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

Similar banks

The First National Bank of Le Center
Lonsdale, Minnesota
→
Assets: $165.11MΔ -95.4%
Stearns Bank National Association
Saint Cloud, Minnesota
→
Assets: $3.55BΔ -0.5%
Minnwest Bank
Redwood Falls, Minnesota
→
Assets: $2.92BΔ -18.0%
Merchants Bank, National Association
Winona, Minnesota
→
Assets: $2.77BΔ -22.4%
Tradition Capital Bank
Wayzata, Minnesota
→
Assets: $2.60BΔ -27.2%
Think Mutual Bank
Rochester, Minnesota
→
Assets: $2.12BΔ -40.6%

Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date08/01/1901
Community BankYes
Ownership TypeNot Mutual
ZIP55046
State and County Number27131
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number09
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameFaribault-Northfield, MN

Operational Info

Number of Employees458
Domestic Offices43
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitefrandsenbank.com
Data Updated11/14/2025
CERT1399
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$3.60B
Total Deposits$3.08B
Total Liabilities$3.20B
Total Equity Capital$399.55M
Net Income$11.01M
Net Loans and Leases$2.48B
Assets Per Employee ($Millions)$8.1M
Bank Premises and Fixed Assets$39.13M
Cash and Balances due from Depository Institutions$137.76M
Deposits Held in Domestic Offices$3.08B

Key Performance Ratios

Return on Assets (ROA)1.23%
Return on Equity (ROE)11.44%
Net Interest Margin4.02%
Efficiency Ratio57.78%
Tier 1 Risk-Based Capital Ratio12.657%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.46%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.085%
Earning Assets to total Assets91.08%

Income and Expense

Total Interest Income$46.56M
Total Noninterest Income$7.14M
Total Interest Expense$13.77M
Total Noninterest Expense$23.33M
Net Interest Income$32.79M
Pre-tax Net Operating Income$12.51M
Provision for Credit Losses$4.10M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$64.00k
Other borrowed funds$83.54M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$16.84M
All Other Liabilities$27.34M
Total Liabilities and Capital$3.60B

Securities

Securities$700.93M
Available-for-sale debt securities$700.63M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Frandsen Bank & Trust?
$3.60B as of the latest filing.
How much are Frandsen Bank & Trust's total deposits?
$3.08B in total deposits.
Where is Frandsen Bank & Trust located?
Lonsdale, MN.
What is the Net Interest Margin?
4.02%.
How many domestic offices does it operate?
43.
When was it established?
08/01/1901.
What is the Return on Assets (ROA)?
1.23%.
How much are total loans and leases?
$2.48B (latest filing).
What is the total interest income (latest filing)?
$46.56M.