B
Frandsen Bank & Trust
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Frandsen Bank & Trust
Lonsdale, MN
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Rating B
Asset Quality Index 3.50
Capitalization Index 7.40
Liquidity Index 3.50
Profitability Index 6.00
Stability Index 9.60
Company Info Frandsen Bank & Trust
Lonsdale, MN
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FDIC Number 1399
Phone Number (507) 353-7350
Website www.frandsenbank.com
Asset Quality Frandsen Bank & Trust
Lonsdale, MN
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1-Year Asset Growth 2.74%
5-Year Asset Growth 21.74%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 1.41%
Non-Performing Loans to Capital 12.69%
Non-Performing Loans to Loans 2.02%
Balance Sheet Frandsen Bank & Trust
Lonsdale, MN
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Total Assets 3.60B
Total Deposits 3.08B
Capital and Reserves Frandsen Bank & Trust
Lonsdale, MN
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Capital 399.55M
Leverage Ratio 9.25
Loan Loss Reserves to Loans 1.55%
Risk-Based Capital Ratio 13.91
Liquidity Frandsen Bank & Trust
Lonsdale, MN
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Hot Money Ratio 12.35%
Liquidity Ratio 13.58%
Profitability Frandsen Bank & Trust
Lonsdale, MN
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5-Year Return on Average Assets 1.50%
Net Income 37.66M
Net Interest Spread 3.81%
Operating Profit to Average Assets 1.51%
Overhead Efficiency Ratio 58.09%
Return on Assets 1.38%
Return on Equity 13.54%