Frandsen Bank&Trust (FDIC #1399): Bank Stress & Real-Estate Credit Exposure
Frandsen Bank&Trust (FDIC Cert #1399): bank stress 48/100, moderate, STABLE over 7 days; parent FRANDSEN FINANCIAL CORP.
Frandsen Bank&Trust (#1399) lends in 27 counties across 4 states; Frandsen Bank&Trust (#1399) reaches 412 ZIP codes: Minnesota 21 counties, 320 ZIPs; Wisconsin 4 counties, 59 ZIPs; North Dakota 1 county, 22 ZIPs; South Dakota 1 county, 12 ZIPs.
Frandsen Bank&Trust (#1399) largest markets: St. Louis County, MN (260 branches, 52 ZIPs) (#1399), Ramsey County, MN (27 branches, 27 ZIPs) (#1399), Polk County, MN (25 branches, 25 ZIPs) (#1399), Grand Forks County, ND (22 branches, 22 ZIPs) (#1399), Dakota County, MN (44 branches, 22 ZIPs) (#1399), Polk County, WI (20 branches, 20 ZIPs) (#1399).
Frandsen Bank&Trust (#1399) reports $3.66 billion in total assets; Frandsen Bank&Trust (#1399) equity $431.5 million (11.8% of Frandsen Bank&Trust (#1399) assets); Frandsen Bank&Trust (#1399) domestic deposits $3.13 billion; Frandsen Bank&Trust (#1399) net income $33.4 million; Frandsen Bank&Trust (#1399) return on assets 1.82%; Frandsen Bank&Trust (#1399) return on equity 15.71%; Frandsen Bank&Trust (#1399) net interest income $70.6 million; Frandsen Bank&Trust (#1399) call report June 30, 2026.
Frandsen Bank&Trust (#1399) noncurrent real-estate loans: none reported; Frandsen Bank&Trust (#1399) net charge-offs on real estate 0.85%; Frandsen Bank&Trust (#1399) residential charge-offs 2.02%.
Frandsen Bank&Trust (#1399) net interest margin 4.21% against an eight-quarter Frandsen Bank&Trust (#1399) average of 3.85% (Frandsen Bank&Trust (#1399) compression -0.36 points); Frandsen Bank&Trust (#1399) real-estate loans 0.3% of equity; Frandsen Bank&Trust (#1399) non-residential real estate 201.9% of equity; Frandsen Bank&Trust (#1399) rate-exposure score 40/100, Frandsen Bank&Trust (#1399) fixed-rate trap 40/100; Frandsen Bank&Trust (#1399) risk type credit driven; Frandsen Bank&Trust (#1399) rate regime rates elevated, Frandsen Bank&Trust (#1399) snapshot October 19, 2026.
Frandsen Bank&Trust (#1399) stress score moved from 51.1 on June 22, 2026 to 47.9 on October 19, 2026; Frandsen Bank&Trust (#1399) ranged 47.9 to 51.1 over 116 snapshots.
Frandsen Bank&Trust (#1399) alerts: 26 counties; top Frandsen Bank&Trust (#1399) alert scores: Ada County, MN 19 (low); Braham County, MN 19 (low); Clinton County, MN 19 (low); Cloquet County, MN 19 (low); Crosslake County, MN 19 (low).