Frandsen Bank & Trust
Headquartered in Lonsdale, Frandsen Bank & Trust serves the Minnesota market as a community-focused commercial bank, in the years before the Federal Reserve System's founding. Frandsen Bank & Trust's Q1 2026 balance sheet shows $3.7B in assets funded primarily by $3.1B in customer deposits. The bank posts a strong 1.61% ROA and 14.24% ROE. Capital cushions are healthy: 13.61% CET1, 9.75% Tier 1 leverage. Credit metrics are in line with industry norms — 1.46% NPL ratio. Frandsen Bank & Trust operates a 41-branch network.
Headquarters Profile
- Address
- 116 Central St W, LONSDALE, MN 55046
- County
- Rice
- Metro Area
- NEW ULM, MN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 11
- Established
- August 1, 1901
- Branches
- 41 domestic
- Employees (FTE)
- 448
- FDIC Cert
- 1399
- Fed RSSD
- 751656
- Website
- frandsenbank.com →
- Parent Holding Company
- FRANDSEN FINANCIAL CORPORATION (RSSD 1128358)
Capital & Liquidity
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Frandsen Bank & Trust rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 28 events.
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Frequently asked about Frandsen Bank & Trust
What are Frandsen Bank & Trust's total assets?
As of the Q1 2026 filing, Frandsen Bank & Trust reported total assets of $3.69 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Frandsen Bank & Trust headquartered?
Frandsen Bank & Trust is headquartered in LONSDALE, MN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Frandsen Bank & Trust founded?
Frandsen Bank & Trust was established in 1901, per the FDIC institution directory.
Is Frandsen Bank & Trust FDIC-insured?
Yes. Frandsen Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #1399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Frandsen Bank & Trust?
Frandsen Bank & Trust's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Frandsen Bank & Trust's CET1 capital ratio?
Frandsen Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 13.61% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Frandsen Bank & Trust operate?
Frandsen Bank & Trust operates 41 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Frandsen Bank & Trust's Texas Ratio?
Frandsen Bank & Trust's Texas Ratio is 13.70% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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