Frandsen Bank & Trust

ROA: Strong

Lonsdale, MN | Charter: SM | Holding Company: FRANDSEN FINANCIAL CORP

Established: 1901-08-01

Total Assets

$3.70B

Total Deposits

$3.15B

Net Income

$53.4M

Branches

FDIC data last updated: April 2, 2026

Overview

Frandsen Bank & Trust is a community bank, headquartered in Lonsdale, MN. With $3.70B in total assets, Frandsen Bank & Trust holds a notable position in the U.S. banking landscape (Source: FDIC BankFind). The institution operates under a SM charter. It is part of the FRANDSEN FINANCIAL CORP holding company.

Frandsen Bank & Trust holds approximately $3.15B in total deposits (Source: FDIC BankFind). The bank operates 40 branches, indicating a more focused geographic footprint. Established 1901-08-01, the institution has a track record in the banking industry.

This profile uses publicly available government data to present a factual overview. It does not constitute an endorsement or recommendation of this institution. Consumers may wish to consider factors such as account fees, digital banking features, and customer service when evaluating any bank.

Financial Health Analysis

Return on Assets (ROA)

1.48%

National avg: 1.21%

Return on Equity (ROE)

14.01%

National avg: 11.47%

FDIC Insured

Yes

Up to $250,000 per depositor

Frandsen Bank & Trust reports a Return on Assets (ROA) of 1.48%, which is near or above the national average of 1.21%, which typically suggests adequate profitability (Source: FDIC BankFind). In practical terms, an ROA of 1.48% means that for every $100 in assets, the bank generates approximately $1.48 in profit.

The bank's Return on Equity (ROE) is 14.01%, which is near or above the national average of 11.47%, suggesting adequate returns for shareholders (Source: FDIC BankFind). ROE measures how effectively a bank uses shareholder equity to generate profit.

Frandsen Bank & Trust reported positive net income of $53.4M in the most recent reporting period (Source: FDIC BankFind). Net income reflects overall profitability after all expenses, taxes, and provisions.

Past financial performance does not guarantee future stability or profitability. These metrics reflect a single reporting period and may vary from quarter to quarter. Consult a licensed financial professional before making banking decisions based on financial data.

Frandsen Bank & Trust vs. national average

Return on Assets (ROA)Above average

Frandsen Bank & Trust

1.48%

Nat'l avg

1.21%

Return on Equity (ROE)Above average

Frandsen Bank & Trust

14.01%

Nat'l avg

11.47%

National averages calculated from all active FDIC-insured banks.

Customer Experience

CFPB complaint data is not available for Frandsen Bank & Trust. This is common for smaller community banks and does not indicate a problem. The CFPB Consumer Complaint Database primarily tracks complaints for larger financial institutions that serve a high volume of consumers.

Branch and Access

Frandsen Bank & Trust operates 40 branches, indicating a focused geographic presence (Source: FDIC BankFind). Smaller branch networks are common among community banks that serve specific local markets.

The bank is headquartered in Lonsdale, MN. Consumers considering this institution may want to verify branch locations near their home or workplace, as headquarter location does not always indicate where branches are concentrated.

Branch access is one factor in choosing a bank. Consumers who primarily use mobile and online banking may prioritize digital features and rates over physical branch proximity.

View banks in MN

How Frandsen Bank & Trust compares to similar-sized banks

Bank	Assets	Deposits	ROA	Branches
Frandsen Bank & Trust	$3.70B	$3.15B	1.48%	40
Central Pacific Bank	$7.40B	$6.62B	1.15%	27
Bangor Savings Bank	$7.35B	$5.70B	0.39%	73
Johnson Bank	$7.19B	$5.99B	1.07%	32
Republic Bank & Trust Company	$7.04B	$5.27B	1.89%	48

Data Sources

FDIC BankFind: Financial data including total assets, deposits, net income, ROA, and ROE for all FDIC-insured institutions. https://banks.data.fdic.gov/

CFPB Consumer Complaint Database: Consumer complaint data by institution, including complaint volumes, response rates, and top issue categories. https://www.consumerfinance.gov/data-research/consumer-complaints/

Federal Reserve Economic Data (FRED): Interest rate benchmarks including the Federal Funds Rate, Treasury yields, and national savings rate averages. https://fred.stlouisfed.org/

BankRanked is not a bank, credit union, or financial advisor. This content is for educational purposes only and does not constitute financial advice. All data is sourced from publicly available government databases (FDIC, NCUA, CFPB, FRED). Consult a licensed financial professional before making banking decisions.