Total Assets
$3.7B
Total Deposits
$3.1B
Branches
41
Established
1901
Frandsen Bank & Trust is a bank headquartered in Lonsdale, Minnesota, established in 1901. It holds $3.7B in total assets across 41 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Frandsen Bank & Trust earns a TFS Financial Health Grade of A- (86.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
86.9 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Frandsen Bank & TrustHQ | 116 Central St W | Lonsdale | MN | 11 |
| Frandsen Bank & Trust | 410 2nd St W | Ada | MN | 11 |
| Frandsen Bank & Trust | 7429 Excelsior Rd | Baxter | MN | 11 |
| Frandsen Bank & Trust | 205 Main St S | Bird Island | MN | 11 |
| Frandsen Bank & Trust | 121 Main St S | Braham | MN | 11 |
| Frandsen Bank & Trust | 165 Main St | Clinton | MN | 11 |
| Frandsen Bank & Trust | 712 Highway 33 S | Cloquet | MN | 11 |
| Frandsen Bank & Trust | 35470 Cty Rd 3 | Crosslake | MN | 11 |
| Frandsen Bank & Trust | 331 W Superior St | Duluth | MN | 11 |
| Frandsen Bank & Trust | 715 Stafford Rd N | Dundas | MN | 11 |
| Frandsen Bank & Trust | 1413 Central Ave Nw | East Grand Forks | MN | 11 |
| Frandsen Bank & Trust | 102 E Sheridan St | Ely | MN | 11 |
| Frandsen Bank & Trust | 100 Park St S | Fairfax | MN | 11 |
| Frandsen Bank & Trust | 59 Highway 23 W | Foley | MN | 23 |
| Frandsen Bank & Trust | 341 4th Ave N | Foley | MN | 11 |
| Frandsen Bank & Trust | 2001 W Broadway Ave | Forest Lake | MN | 11 |
| Frandsen Bank & Trust | 206 Main Street | Hector | MN | 11 |
| Frandsen Bank & Trust | 4803 Miller Trunk Hwy | Hermantown | MN | 11 |
| Frandsen Bank & Trust | 200 Creek Ln N | Jordan | MN | 11 |
| Frandsen Bank & Trust | 20280 Iberia Ave | Lakeville | MN | 11 |
| Frandsen Bank & Trust | 1580 Madison Ave | Mankato | MN | 11 |
| Frandsen Bank & Trust | 125 1st St S | Montgomery | MN | 11 |
| Frandsen Bank & Trust | 100 N Minnesota St | New Ulm | MN | 11 |
| Frandsen Bank & Trust | 240 Belgrade Ave | North Mankato | MN | 11 |
| Frandsen Bank & Trust | 212 Main St | Oslo | MN | 11 |
| Frandsen Bank & Trust | 560 3rd Ave Se | Pine City | MN | 11 |
| Frandsen Bank & Trust | 128 S Main St | Pine Island | MN | 11 |
| Frandsen Bank & Trust | 7303 161st St W | Rosemount | MN | 11 |
| Frandsen Bank & Trust | 415 Main St | Tower | MN | 11 |
| Frandsen Bank & Trust | 3585 Highway 61 N | Vadnais Heights | MN | 11 |
| Frandsen Bank & Trust | 501 Chestnut St | Virginia | MN | 11 |
| Frandsen Bank & Trust | 528 N 1st St | Warren | MN | 11 |
| Frandsen Bank & Trust | 320 Main St E | Waterville | MN | 11 |
| Frandsen Bank & Trust | 70 W 3rd St | Zumbrota | MN | 11 |
| Frandsen Bank & Trust | 1440 S Main St | Zumbrota | MN | 11 |
| Frandsen Bank & Trust | 1616 S Washington St | Grand Forks | ND | 11 |
| Frandsen Bank & Trust | 302 E 4th Ave | Milbank | SD | 11 |
| Frandsen Bank & Trust | 4251 Southtowne Dr | Eau Claire | WI | 11 |
| Frandsen Bank & Trust | 10583 Main St | Hayward | WI | 11 |
| Frandsen Bank & Trust | 200 S Main St | Luck | WI | 11 |
| Frandsen Bank & Trust | 823 Belknap St | Superior | WI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
86.9
Tier 1 capital ratio
10.02%
Return on assets
1.82%
Non-performing loans
0.71%
Efficiency ratio
54.07%
Asset growth (YoY)
2.59%
Suggested direct comparisons
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Winona, MN
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.