Total Assets
$3.7B
Total balance-sheet footings
FDIC Cert #1399 · Lonsdale, Minnesota · Est. 1901
Frandsen Bank & Trust - FDIC Bank Health Profile
A community-scale look at Frandsen Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $3.7B
- Total assets
- A
- Health grade · Excellent
- 1.48%
- Return on assets
- 13.2%
- Tier 1 capital
Data updated July 2026
The verdict
Frandsen Bank & Trust earns a PlainBankData health grade of A (83/100), with well-capitalized at 13.24% Tier 1, profitable at 1.48% ROA, efficient (57% cost ratio).
- #356
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 13.24%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Frandsen Bank & Trust's 83/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Frandsen Bank & Trust's composite health score
Tier 1 Capital Ratio (13.24%) 35/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (5.64%) 16/20
Efficiency Ratio (57.22%) 12/15
83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.2B
Customer-funded liabilities
Net Loans
$2.5B
Outstanding loan book
Net Income
$53M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Frandsen Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Frandsen Bank & Trust's score of 83/100 falls in the highlighted band.
Frandsen Bank & Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Frandsen Bank & Trust's $3.7B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.24% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.24%
Texas Ratio
5.64%
Equity Capital
$419M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
14.01%
Efficiency Ratio
57.22%
What the numbers say about Frandsen Bank & Trust
Frandsen Bank & Trust is an FDIC-insured institution (Certificate #1399) headquartered in Lonsdale, Minnesota, established in 1901. It holds $3.7B in total assets - 356th of 4,313 FDIC-insured banks, $3.2B in customer deposits, and $2.5B in net loans. Capital-wise, the Tier 1 ratio sits at 13.24%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 5.64%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Frandsen Bank & Trust sits in the top decile of all FDIC-insured institutions by asset size (356th of 4,313), and within Minnesota it ranks 3rd of 227 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is Stearns Bank, at $3.3B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$185M
Interest Income
$27M
Non-Interest Income
$91M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Frandsen Bank & Trust reports a Texas Ratio of 5.64% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Frandsen Bank & Trust (FDIC Cert #1399) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
| Park State BankDuluth | $1.5B | A | 1.44% |
Frequently asked questions
What is Frandsen Bank & Trust's health grade?▼
Frandsen Bank & Trust receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Frandsen Bank & Trust?▼
Frandsen Bank & Trust holds $3.7B in total assets and $3.2B in deposits, ranking 356th of 4,313 FDIC-insured banks by asset size. It is headquartered in Lonsdale, Minnesota.
Is my money safe at Frandsen Bank & Trust?▼
Yes, deposits at Frandsen Bank & Trust (Certificate #1399) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Frandsen Bank & Trust's Tier 1 Capital Ratio?▼
Frandsen Bank & Trust has a Tier 1 Capital Ratio of 13.24%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Frandsen Bank & Trust?▼
Frandsen Bank & Trust has a Texas Ratio of 5.64%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Frandsen Bank & Trust?▼
Frandsen Bank & Trust has an Efficiency Ratio of 57.22%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Frandsen Bank & Trust's profile as a depositor or analyst.
- Frandsen Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Frandsen Bank & Trust against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.