FRANDSEN BANK & TRUST

LONSDALE, MN | Large | Est. Aug. 1, 1901, midnight | FDIC #1399 | RSSD #751656 | FED
Latest Report: 2025-12-31

FRANDSEN BANK & TRUST is aln large FDIC-insured commercial bank headquartered in LONSDALE, MN, established in Aug. 1, 1901, midnight. As of 2025-12-31, the bank reported total assets of $3.7B and total deposits of $3.2B. Profitability stands at 1.72% ROA and 15.37% ROE, with a net interest margin of 4.10%. The bank's CET1 capital ratio is 13.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.99% and a Texas Ratio of 5.54%. FDIC Certificate #1399.

Assets

$3.7B

Deposits

$3.2B

Loans

$2.5B

Equity

$419M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 15.37%
Net Interest Margin (NIM) 4.10%
Yield on Assets 5.72%
Cost of Funds 3.22%

Asset Quality

NPL Ratio 0.99%
Net Charge-Off Ratio 0.34%
Texas Ratio 5.54%
NPA Ratio 0.67%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 13.24%
Tier 1 Capital 13.24%
Total Capital Ratio 14.49%
Leverage Ratio 9.49%
Loan-to-Deposit 79.87%

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