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Frandsen Bank & Trust Locations & Branches Lonsdale, Minnesota
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Frandsen Bank & Trust operates 40 branches from its headquarters in Lonsdale, MN, .
Frandsen Bank & Trust branch network
Its 40 branches span 4 states and 39 cities. The most are in MINNESOTA (34), WISCONSIN (4) and NORTH DAKOTA (1). MINNESOTA holds 82.5% of its branch deposits. Foley, MN has the most of its branches, 2. Its largest office by deposits is the North Mankato Main Branch office in North Mankato, MN, with $214.5M (6.8% of its branch deposits). On June 30, 2025 it had 39 branches, 1 fewer than in 2026.
Frandsen Bank & Trust at a glance
Its CET1 capital ratio was 13.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $3.66B
- CET1 ratio, Q2 2026
- 13.89%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Established
- 1901
Full financial profile · Is Frandsen Bank & Trust safe? · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Lonsdale, MN (1 branch) | 1 of 2 | 87.1% | $81.3M |
| State: MN (34 branches) | 13 of 277 | 0.8% | $2.58B |
Ranked by total assets among banks headquartered in the state: Largest banks in Minnesota.
Share by county and metro area
Frandsen Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| St. Louis, MN (5 branches) | 6 of 19 | 5.3% | $269.8M | $5.06B |
| Goodhue, MN (2 branches) | 3 of 12 | 17.7% | $257.0M | $1.45B |
| Nicollet, MN (1 branch) | 2 of 6 | 27.7% | $214.5M | $773.7M |
| Sawyer, WI (1 branch) | 1 of 5 | 31.0% | $202.7M | $654.0M |
| Rice, MN (2 branches) | 6 of 10 | 9.6% | $169.2M | $1.77B |
| Washington, MN (1 branch) | 13 of 24 | 2.2% | $154.2M | $7.09B |
| Polk, MN (1 branch) | 4 of 10 | 14.6% | $145.2M | $995.9M |
| Grand Forks, ND (1 branch) | 8 of 15 | 5.0% | $144.9M | $2.87B |
| Le Sueur, MN (2 branches) | 2 of 8 | 17.7% | $143.3M | $810.4M |
| Renville, MN (3 branches) | 1 of 9 | 28.6% | $133.3M | $466.4M |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI (8 branches) | 24 of 124 | 0.3% | $663.5M | $252.68B |
| Duluth, MN-WI (7 branches) | 6 of 26 | 5.5% | $370.4M | $6.78B |
| Grand Forks, ND-MN (2 branches) | 5 of 21 | 7.5% | $290.1M | $3.87B |
| Red Wing, MN (2 branches) | 3 of 12 | 17.7% | $257.0M | $1.45B |
| Mankato, MN (2 branches) | 6 of 19 | 6.1% | $214.5M | $3.49B |
| Faribault-Northfield, MN (2 branches) | 6 of 10 | 9.6% | $169.2M | $1.77B |
| New Ulm, MN (1 branch) | 3 of 10 | 11.9% | $115.7M | $972.1M |
| St. Cloud, MN (2 branches) | 19 of 32 | 1.4% | $113.7M | $7.85B |
| Brainerd, MN (2 branches) | 10 of 17 | 3.3% | $89.4M | $2.73B |
| Eau Claire, WI (1 branch) | 13 of 22 | 2.2% | $83.4M | $3.73B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| North Mankato Main Branch | North Mankato, MN | 56003 | $214.5M |
| Hayward Branch | Hayward, WI | 54843 | $202.7M |
| Forest Lake Branch | Forest Lake, MN | 55025 | $154.2M |
| Zumbrota Main Street Branch | Zumbrota, MN | 55992 | $152.6M |
| East Grand Forks Branch | East Grand Forks, MN | 56721 | $145.2M |
| Grand Forks Branch | Grand Forks, ND | 58201 | $144.9M |
| Queen City Federal Savings Bank Branch | Virginia, MN | 55792 | $132.0M |
| New Ulm Main Branch | New Ulm, MN | 56073 | $115.7M |
| Foley Branch | Foley, MN | 56329 | $113.7M |
| Pine Island Branch | Pine Island, MN | 55963 | $104.5M |
| Montgomery Branch | Montgomery, MN | 56069 | $99.8M |
| Pine City Branch | Pine City, MN | 55063 | $97.3M |
| Vadnais Heights Branch | Vadnais Heights, MN | 55110 | $96.9M |
| Luck Branch | Luck, WI | 54853 | $91.2M |
| Cloquet Branch | Cloquet, MN | 55720 | $89.6M |
| Baxter Branch | Baxter, MN | 56425 | $89.4M |
| Jordan Branch | Jordan, MN | 55352 | $89.3M |
| Dundas Branch | Dundas, MN | 55019 | $87.9M |
| Eau Claire Branch | Eau Claire, WI | 54701 | $83.4M |
| Frandsen Bank & Trust (main office) | Lonsdale, MN | 55046 | $81.3M |
| Clinton State Bank Branch | Clinton, MN | 56225 | $72.0M |
| Ada Branch | Ada, MN | 56510 | $71.5M |
| Braham Branch | Braham, MN | 55006 | $69.0M |
| Warren Branch | Warren, MN | 56762 | $56.9M |
| Lakeville Bank Branch | Rosemount, MN | 55068 | $56.7M |
| Lakeville Branch | Lakeville, MN | 55044 | $54.2M |
| Hector Branch | Hector, MN | 55342 | $48.4M |
| 102 East Sheridan Branch | Ely, MN | 55731 | $47.4M |
| Bird Island Branch | Bird Island, MN | 55310 | $46.8M |
| Waterville Branch | Waterville, MN | 56096 | $43.5M |
| Fairfax Branch | Fairfax, MN | 55332 | $38.1M |
| Hermantown Office Branch | Hermantown, MN | 55811 | $31.8M |
| Beacon Bank - Duluth Branch | Duluth, MN | 55802 | $31.2M |
| Tower Office | Tower, MN | 55790 | $27.4M |
| Oslo Branch | Oslo, MN | 56744 | $24.1M |
| Milbank Office Branch | Milbank, SD | 57252 | $15.5M |
| Superior Office Branch | Superior, WI | 54880 | $11.1M |
| Foley Drive-Thu Branch | Foley, MN | 56329 | $0 |
| Madison Avenue Branch | Mankato, MN | 56001 | $0 |
| Crosslake Branch | Crosslake, MN | 56442 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1399) · FFIEC NIC profile (RSSD 751656)