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Frandsen Bank & Trust
Lonsdale, MN·FDIC Cert #1399·Charter: STATE·Est. 19010801.0·HC: FRANDSEN FINANCIAL CORP
Total Assets
$3.7B
Q4 2025
Return on Assets
1.48%
+0.08%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
57.22%
Peer avg: 57.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.48%+0.08
ROE
14.01%+0.50
Efficiency
57.22%-0.22
Equity/Assets
0.00%+0.00
NPL Ratio
1.02%-0.63
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.87%-1.87
Charge-offs
0.34%+0.35
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.4 | 1.3 | 1.5 | 1.5 | 1.4 | 1.5 |
| ROE | 14.4 | 14.7 | 14.6 | 14.4 | 14.6 | 14.7 | 13.5 | 14.0 |
| Efficiency | 60.4 | 59.8 | 58.7 | 59.3 | 57.9 | 57.3 | 57.4 | 57.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.2 | 0.2 | 0.2 | 0.8 | 0.9 | 0.8 | 1.7 | 1.0 |
| Charge-offs | -0.0 | 0.0 | 0.0 | 0.0 | -0.0 | -0.0 | -0.0 | 0.3 |
| Loan/Deposit | 80.7 | 82.4 | 82.3 | 81.3 | 80.0 | 81.8 | 80.7 | 78.9 |
Balance Sheet
Total Assets$3.7B
Total Deposits$3.2B
Total Loans$2.5B
Total Equity$419.0M
Profitability
ROA1.48%
ROE14.01%
Efficiency Ratio57.22%
Net Income$53.4M
Risk & Asset Quality
NPL Ratio1.02%
Charge-off Rate0.34%
Loan/Deposit78.87%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans