2026 Overview
General Bank Information
Frandsen Bank & Trust is an FDIC insured institution located in Lonsdale, MN. It was founded in 1901 and has approximately $3.66 billion in assets. Customers can open an account at one of its 38 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 1399 |
| Date Established | 1901 |
| Assets | $ 3.66 billion |
| Loans | $ 2.47 billion |
| Deposits | $ 3.14 billion |
| Capital | $ 426.12 million |
For a more detailed analysis of Frandsen Bank & Trust's financial condition and a description of what these numbers mean, please visit the Financial Details section.
Deposit Rates - September 25, 2026
Your Current Location: Arizona, AZ 85001
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Loan Rates - September 25, 2026
Your Current Location: Arizona, AZ 85001
There are currently no loan rates available for Frandsen Bank & Trust
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Branches
Frandsen Bank & Trust branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Phoenix,Arizona
Frandsen Bank & Trust Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 1173.05 | A | View Lobby Hours | |
| 1196.78 | B | View Lobby Hours | |
| 1197.87 | C | View Lobby Hours | |
| 1198.03 | D | View Lobby Hours | |
| 1200.27 | E | View Lobby Hours | |
| 1206.57 | F | View Lobby Hours | |
| 1210.05 | G | View Lobby Hours | |
| 1210.69 | H | View Lobby Hours | |
| 1210.69 | I | View Lobby Hours | |
| 1212.32 | J | View Lobby Hours | |
| 1231.31 | K | View Lobby Hours | |
| 1239.91 | L | View Lobby Hours | |
| 1247.52 | M | View Lobby Hours | |
| 1247.84 | N | View Lobby Hours | |
| 1252.80 | O | View Lobby Hours | |
| 1263.06 | P | View Lobby Hours | |
| 1263.26 | Q | View Lobby Hours | |
| 1267.14 | R | View Lobby Hours | |
| 1272.12 | S | View Lobby Hours | |
| 1272.52 | T | View Lobby Hours | |
| 1277.62 | U | View Lobby Hours | |
| 1278.21 | V | View Lobby Hours | |
| 1280.27 | W | View Lobby Hours | |
| 1280.33 | X | View Lobby Hours | |
| 1280.33 | Y | View Lobby Hours | |
| 1282.91 | Z | View Lobby Hours |
Climate Policy and Initiatives
Frandsen Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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Financial Details
Frandsen Bank & Trust Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Frandsen Bank & Trust. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.
Texas Ratio
| Frandsen Bank & Trust | U.S. Bank Average |
|---|---|
| 7.86% | 5.57% |
The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.
As of December 31, 2025, Frandsen Bank & Trust had $28,419,000 in non-current loans and $7,660,000 in owned real estate. To cover these potential losses it had $426,118,000 in equity and $33,060,000 in loans loss reserves. That gives it a Texas Ratio of 7.86%.
Return on Equity
| Frandsen Bank & Trust | U.S. Bank Average |
|---|---|
| 15.71% | 10.69% |
Frandsen Bank & Trust has a Return on Equity of 15.71% versus the BestCashCow average of 10.69%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.
Capitalization
| Frandsen Bank & Trust | U.S. Bank Average |
|---|---|
| 11.65% | 11.75% |
Frandsen Bank & Trust has a Capitalization of 11.65% versus the BestCashCow average of 11.75. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.
Frandsen Bank & Trust Balance Sheet Analysis
As of March 31, 2026, Frandsen Bank & Trust had assets of $3,656,900,000, loans of $2,469,893,000, and deposits of $3,138,859,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.
Summary Balance Sheet
December 31, 2025| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 196.40 million |
| Interest-bearing balances | $ 161.77 million |
| Total securities | $ 734.85 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 2.47 billion |
| Loan loss allowance | $ 33.06 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 7.66 million |
| Goodwill and other intangibles | $ 144.86 million |
| All other assets | $ 77.37 million |
| Total Assets | $ 3.26 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 3.14 billion |
| Interest-bearing deposits | $ 2.39 billion |
| Deposits held in domestic offices | $ 3.14 billion |
| % insured (estimated) | 68.80% |
| Federal funds purchased and repurchase agreements | $ 14.05 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 0.20 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 11.30 million |
| Total Liabilities | $ 3.26 billion |
| Shareholders’ Equity | $ 394.79 million |
Summary Income Statement
December 31, 2025| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 46.36 million |
| Total Interest Expense | $ 12.79 million |
| Net interest income | $ 33.57 million |
| Provision for loan and lease losses | $ 1.50 million |
| Total non interest income | $ 7.07 million |
| Total non interest expense | $ 22.85 million |
| Pre-tax Net Operating Income | $ 23.63 million |
Bank Loan Profile?
The top three loan types in Frandsen Bank & Trust’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.
Compared to other banks in Minnesota, Frandsen Bank & Trust has a significantly higher percent of Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.
Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.
| % Loans |
% Comparison to Other Banks |
|||
|---|---|---|---|---|
| Low | Med | High | ||
| 1-4 Family Residential Loans | 18.80 | ✓ | ||
| Multifamily Mortgages |
2.94 | ✓ | ||
| Credit Card Loans | 0.00 | ✓ | ||
| Consumer Auto Loans | 1.00 | ✓ | ||
| Small Business Loans | 8.61 | ✓ | ||
| Construction and Development Loans | 4.42 | ✓ | ||
| Commercial Real Estate | 19.85 | ✓ | ||
| Commercial and Industrial Loans | 9.33 | ✓ | ||
| Farm Loans | 3.35 | ✓ | ||
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