🏦Bank Scorer

FRANDSEN BANK & TRUST

LONSDALE, MN · Supervised by FDIC

Est. 1901FDIC #1,399RSSD: FDIC-1399
Part ofFRANDSEN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: March 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.63%

Institution Profile

FDIC BankFind

Address

116 Central St W, LONSDALE, MN

County

Rice County

Established

August 1, 1901

Total Assets

$3.7B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2013

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.7B

Total Deposits

$3.1B

Net Loans

$2.5B

Net Income

$15M

ROA

1.63%

ROE

14.24%

Risk-Based Capital

14.87%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate7.92%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

40

Branch Deposits

$3.0B

1-Year Change

-3

5-year net change: +4 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,41475.32%7.92%
20231,47380.18%6.45%
20221,57083.57%4.14%
20212,49182.58%3.45%
20202,69983.81%3.96%
20191,42079.79%5.92%
20181,19676.84%8.36%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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