Frandsen Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loans held for sale climbed 123.6% in Q2 2026, from $3.0M to $6.8M. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Frandsen Bank & Trust is 114th of 221 on loan-to-deposit ratio, 80.59% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Frandsen Bank & Trust sits 7.62 points lower, at 80.59% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.52B |
| Net loans and leases | $2.49B |
| Loans held for sale | $6.8M |
| Loans to total assets | 69.01% |
| Loan-to-deposit ratio | 80.59% |
| Net loans to equity capital | 5.77% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 25.37% |
| Multifamily (5+ residential) | 6.95% |
| Commercial and industrial | 12.22% |
| Consumer | 2.59% |
| Credit cards | 0.00% |
| Farm | 8.48% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 1.81% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 154.85% |
| Construction concentration (Tier 1 capital + allowance) | 42.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.80% |
| Interest income on loans | $42.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.34B | $2.76B | 28.31% | 13.57% | 3.69% |
| Q4 2023 | $2.38B | $2.87B | 27.49% | 12.80% | 3.60% |
| Q1 2024 | $2.37B | $2.90B | 27.53% | 13.21% | 3.51% |
| Q2 2024 | $2.45B | $2.94B | 27.44% | 13.05% | 3.33% |
| Q3 2024 | $2.48B | $2.98B | 27.39% | 12.41% | 3.24% |
| Q4 2024 | $2.51B | $3.05B | 27.78% | 12.01% | 3.09% |
| Q1 2025 | $2.49B | $3.07B | 28.16% | 12.45% | 2.97% |
| Q2 2025 | $2.53B | $3.05B | 26.68% | 12.88% | 2.87% |
| Q3 2025 | $2.52B | $3.08B | 26.27% | 12.31% | 2.79% |
| Q4 2025 | $2.52B | $3.15B | 25.56% | 12.03% | 2.70% |
| Q1 2026 | $2.50B | $3.14B | 25.45% | 12.42% | 2.65% |
| Q2 2026 | $2.52B | $3.13B | 25.37% | 12.22% | 2.59% |
Frandsen Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Frandsen Bank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Frandsen Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1399) · FFIEC NIC profile (RSSD 751656)