Frandsen Bank & Trust: how it compares with its peers
Against 440 U.S. banks with half to twice its assets, Frandsen Bank & Trust's strongest measure in Q2 2026 is return on assets (1.82% vs. a 1.28% peer median). Its weakest relative measure is assets per employee ($8.0M vs. $9.2M).
| Measure | Frandsen Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.82% | 1.28% | Top third Ahead of 83% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.21% | 3.68% | Top third Ahead of 79% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.07% | 58.08% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $9.2M | Middle third Ahead of 35% of peers |
| Loans to deposits Net loans and leases over total deposits. | 79.53% | 88.77% | Context |
What it means for lending operations
Its efficiency ratio of 54.07% is better than the 58.08% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Parkway Bank and Trust Company Harwood Heights, IL · $3.66B
- The Bank of East Asia Ltd. New York, NY · $3.66B
- Cornerstone Capital Bank, SSB Houston, TX · $3.67B
- First PREMIER Bank Sioux Falls, SD · $3.64B
- First Community Bank Batesville, AR · $3.63B
- St. Charles Bank & Trust Company, National Association Saint Charles, IL · $3.69B
Questions about Frandsen Bank & Trust
How big is Frandsen Bank & Trust?
Frandsen Bank & Trust, established in 1901, is headquartered in Lonsdale, MN. It reported $3.66B in total assets in its Q2 2026 FDIC call report and operates 40 offices.
What is Frandsen Bank & Trust's return on assets?
1.82% annualized in Q2 2026, against a 1.28% median for 440 U.S. banks with half to twice its assets, ahead of 83% of them.
What is Frandsen Bank & Trust's efficiency ratio?
54.07% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 58.08%, and lower is better.
Is Frandsen Bank & Trust growing its loans?
Net loans grew 0.0% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Minnesota bank ranked.