Frandsen Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Frandsen Bank & Trust of Lonsdale, MN against its peer group of 927 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.98% | 1.46% | +0.52% | 86th top |
| ROAE | 17.15% | 12.68% | +4.47% | 81st top |
| Net Interest Margin | 4.35% | 3.85% | +0.50% | 84th top |
| Efficiency Ratio | 51.99% | 57.41% | -5.42% | 70th above |
| PPNR / Avg Assets | 2.27% | 1.88% | +0.39% | 81st top |
| Yield on Earning Assets | 5.81% | 5.72% | +0.09% | 66th above |
| Cost of Funds | 1.57% | 2.02% | -0.45% | 77th top |
| Net Interest Spread | 3.77% | 3.18% | +0.59% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.99% | 1.00% | -0.01% | 32nd below |
| NPA / Total Assets | 0.89% | 0.76% | +0.13% | 28th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.23% | 0.43% | -0.20% | 18th bottom |
| ACL / Total Loans | 1.31% | 1.31% | +0.00% | 71st above |
| ACL / NPLs (Coverage) | 133.18% | 564.98% | -431.80% | 39th below |
| Texas Ratio | 10.44% | 7.38% | +3.06% | 22nd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 208.19% | 619.23% | -411.04% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.89% | 17.34% | -3.45% | 56th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.89% | 17.37% | -3.48% | 56th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 15.14% | 18.42% | -3.28% | 58th above |
| Leverage Ratio | 10.02% | 11.44% | -1.42% | 37th below |
| Equity / Assets | 11.80% | 11.33% | +0.47% | 73rd above |
| TCE / Tangible Assets | 8.44% | 10.50% | -2.06% | 19th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 80.59% | 86.96% | -6.37% | 69th above |
| Core Deposit Ratio | 95.01% | 85.54% | +9.47% | 85th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.80% | 33.13% | -1.33% | 48th below |
| Wholesale Funding Ratio | 1.90% | 5.71% | -3.81% | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.59% | 9.69% | -7.10% | 32nd below |
| Loan Growth (Y/Y) | -0.10% | 8.07% | -8.17% | 16th bottom |
| Deposit Growth (Y/Y) | 2.76% | 7.88% | -5.12% | 35th below |
See Frandsen Bank & Trust's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Frandsen Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Frandsen Bank & Trust profile, how to read a UBPR, or how this data updates.