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Frandsen Bank & Trust

$1B-$10B Specialty: Commercial MN FDIC cert 1399

Lonsdale, MN

40 branches across MN · WI · ND · SD

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
  • Deposits +2.8% year over year ($3.1B on the books).
  • Delinquency rate 0.72%.
  • Return on assets 1.82%.
  • Efficiency ratio 54.07% vs a 59.73% peer average.
  • Loan-to-deposit ratio 79.53% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN
View $1B-$10B leaderboard (MN) →

Frandsen Bank & Trust demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 49.5% in tier
  • + Net Interest Margin 0.34% above tier average
  • + Efficiency Ratio 5.65% below tier average
  • + Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Frandsen Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $3.7B
+2.6% YoY -0.8% QoQ
+$863.6M $2.8B
-0.6% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $2.5B
-0.0% YoY +0.8% QoQ
+$527.1M $2.0B
-0.3% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $3.1B
+2.8% YoY -0.2% QoQ
+$812.6M $2.3B
-0.5% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 1.82%
+21.7% YoY +11.5% QoQ
+0.42% 1.39%
+17.0% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
83%
Net Interest Margin ? 4.21%
+8.9% YoY +5.6% QoQ
+0.34% 3.87%
+6.2% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 54.07%
-5.6% YoY -2.8% QoQ
-5.65% 59.73%
-12.6% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
65%
Delinquency Rate ? 0.72%
-13.7% YoY -37.8% QoQ
-0.15% 0.87%
+11.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
38%
Loan-to-Deposit Ratio ? 79.53%
-2.7% YoY +1.1% QoQ
-5.51% 85.04%
-0.1% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
69%
Non-Interest-Bearing Deposit Share ? 23.93%
+0.7% YoY +0.3% QoQ
+2.66% 21.27%
-1.5% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.70%
+20.0% YoY -28.7% QoQ
+0.02% 0.67%
+11.7% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 13.89%
+12.4% YoY +2.0% QoQ
-0.96% 14.84%
-0.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
62%
Non-Interest Income / Assets ? 0.41%
+11.9% YoY +115.2% QoQ
-0.11% 0.53%
+2.5% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
72%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 23.9%
+0.2pp YoY
+0.1pp QoQ
 +2.6pp 21.4% 21.9% 22.2% 67%
Brokered Deposits n/a n/a 9.5% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 12.4%
-0.7pp YoY
-0.2pp QoQ
 -1.6pp 14.0% 14.6% 12.5% 56%
CRE 39.4%
-0.6pp YoY
-0.6pp QoQ
 -10.6pp 50.0% 36.5% 41.4% 23%
1-4 Family 30.6%
+0.5pp YoY
+0.6pp QoQ
 +4.2pp 26.4% 29.4% 31.3% 67%
Consumer 2.6%
-0.3pp YoY
-0.1pp QoQ
 -2.1pp 4.7% 4.5% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio 13.9%
+1.5pp YoY
+0.3pp QoQ
 -1.7pp 15.6% 16.5% 19.7% 56%
Leverage Ratio 10.0%
+0.9pp YoY
+0.3pp QoQ
 -1.3pp 11.3% 11.0% 12.6% 37%
Total Capital Ratio 15.1%
+1.5pp YoY
+0.3pp QoQ
 -1.6pp 16.7% 17.6% 20.8% 58%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 455
-3 (-0.7%) YoY
+7 (+1.6%) QoQ
 +141 313 55 482 82%
Assets per Employee ($) $8.0M
+3.3% YoY
-2.4% QoQ
 -$2.4M $10.5M $8.6M $8.8M 40%
Branch Count 40
+1 (+2.6%) YoY
0 QoQ
 +20 20 4 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.1pp 0.2% 0.4% 0.4% 73%
Nonaccrual 0.6%
-0.2pp YoY
-0.5pp QoQ
 -0.2pp 0.8% 1.0% 1.0% 59%
Allowance Coverage 1.86x
+11.2% YoY
+59.7% QoQ
 -16.85x 18.71x 20.41x 20.23x 46%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.2% 0.2% 69%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 15.7%
+1.0pp YoY
+1.5pp QoQ
 +3.1pp 12.6% 13.1% 11.6% 78%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.7% 1.7% 23%
Net Income ($, YTD) $33.4M
+25.5% YoY
— QoQ
 +$14.2M $19.2M $4.5M $40.4M 84%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#111 of 222 • Top 49.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.82%
(Tier: 1.39%, National: 1.30%)
better than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

152
Return on Assets
profitability
Value: 1.82%
Peer Median: 1.39%
#152 of 885 Top 17.1% in $1B-$10B
187
Total Deposits
size
Value: $3.13B
Peer Median: $2.32B
#187 of 885 Top 21.0% in $1B-$10B
196
Total Assets
size
Value: $3.66B
Peer Median: $2.79B
#196 of 885 Top 22.0% in $1B-$10B
201
Net Interest Margin
profitability
Value: 4.21%
Peer Median: 3.87%
#201 of 885 Top 22.6% in $1B-$10B
207
Total Loans
size
Value: $2.49B
Peer Median: $1.96B
#207 of 885 Top 23.3% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available
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