Bank Comparison
Minnwest Bank vs Frandsen Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Minnwest Bank | Frandsen Bank & Trust |
|---|---|---|
| CET1 Ratio | 12.10% | 13.61% |
| Tier 1 Capital Ratio | 12.10% | 13.61% |
| Total Capital Ratio | 13.34% | 14.87% |
| Tier 1 Leverage Ratio | 10.41% | 9.75% |
| Equity / Assets | 11.14% | 11.55% |
Profitability
| Metric | Minnwest Bank | Frandsen Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.26% | 1.61% |
| Return on Equity (ROE) | 11.39% | 14.24% |
| Net Interest Margin (NIM) | 4.09% | 3.94% |
| Yield on Earning Assets | 5.74% | 5.41% |
| Cost of Funds | 1.77% | 1.58% |
Asset quality
| Metric | Minnwest Bank | Frandsen Bank & Trust |
|---|---|---|
| Texas Ratio | 7.36% | 13.70% |
| Non-Performing Loan Ratio | 0.76% | 1.46% |
| Non-Performing Asset Ratio | 0.81% | 1.20% |
| Net Charge-Off Ratio | 0.23% | 0.00% |
| ACL / Loans | 1.36% | 1.32% |
Balance sheet
| Metric | Minnwest Bank | Frandsen Bank & Trust |
|---|---|---|
| Total Assets | $2,965M | $3,688M |
| Total Deposits | $2,599M | $3,138M |
| Total Loans | $2,278M | $2,502M |
| Total Equity | $330,456K | $426,118K |
| Net Income (quarter) | $9,350K | $15,046K |
Liquidity & funding
| Metric | Minnwest Bank | Frandsen Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 87.66% | 79.74% |
| Core Deposit Ratio | 95.56% | 94.96% |
| Uninsured Deposit Ratio | 24.86% | 31.28% |
Identity
| Metric | Minnwest Bank | Frandsen Bank & Trust |
|---|---|---|
| Headquarters City | REDWOOD FALLS | LONSDALE |
| Headquarters State | MN | MN |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 36 | 41 |
| Employees (FTE) | 384 | 448 |
| Established | May 19, 1941, midnight | Aug. 1, 1901, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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