Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FRANDSEN BANK&TRUST

FDIC #1399 · MN · period 20260630

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Total assets1,559,834-7.00% YoY

Total deposits1,291,274-8.83% YoY

Net loans and leases887,152-7.16% YoY

Return on assets1.41%+11.95% YoY

Return on equity11.11%+5.01% YoY

Net interest margin3.82%+2.95% YoY

Peer position

Return on assets83rdstrength · n=902

Return on equity78thstrength · n=894

Net interest margin78thstrength · n=902

Equity to assets73rdstrength · n=894

Noncurrent loans38thin line · n=887

Liquid assets63rdin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits69thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,559,834	1,291,274	887,152	1.41	11.11	3.82
2016-06-30	1,568,894	1,301,601	898,436	1.39	10.93	3.87
2016-09-30	1,586,077	1,324,063	878,435	1.38	10.86	3.86
2016-12-31	1,717,614	1,423,330	966,109	1.40	11.14	3.87
2017-03-31	1,677,307	1,416,359	955,554	1.26	10.58	3.71
2017-06-30	1,684,808	1,396,679	1,000,323	1.38	11.52	3.84
2017-09-30	1,684,179	1,416,951	1,023,166	1.48	12.23	3.91
2017-12-31	1,730,669	1,472,352	1,048,626	1.45	11.99	3.93
2018-03-31	1,672,142	1,436,127	1,044,310	1.48	12.62	4.06
2018-06-30	1,679,267	1,414,100	1,074,838	1.46	12.52	4.12
2018-09-30	1,683,096	1,439,814	1,087,467	1.49	12.84	4.16
2018-12-31	1,706,892	1,452,759	1,107,823	1.51	12.91	4.18
2019-03-31	1,676,340	1,433,188	1,104,312	1.54	12.93	4.27
2019-06-30	1,716,629	1,448,832	1,149,558	1.68	14.01	4.31
2019-09-30	1,737,040	1,463,730	1,156,568	1.67	13.81	4.35
2019-12-31	1,708,246	1,431,891	1,152,948	1.65	13.48	4.38
2020-03-31	1,664,804	1,414,900	1,127,912	2.01	15.88	4.36
2020-06-30	1,901,269	1,627,950	1,285,857	1.97	16.00	4.93
2020-09-30	1,980,640	1,692,134	1,269,897	1.78	14.69	4.61
2020-12-31	2,481,849	2,117,422	1,552,809	1.67	13.15	4.25
2021-03-31	2,541,051	2,203,141	1,540,002	1.76	15.17	3.41
2021-06-30	2,614,753	2,266,773	1,538,033	1.77	15.56	3.54
2021-09-30	2,680,677	2,320,092	1,513,033	1.64	14.53	3.63
2021-12-31	2,730,710	2,378,448	1,574,140	1.49	13.36	3.61
2022-03-31	2,686,960	2,414,296	1,568,189	1.60	16.45	3.58
2022-06-30	2,698,290	2,462,105	1,640,258	1.59	17.90	3.59
2022-09-30	2,960,687	2,703,169	1,879,270	1.56	17.86	3.68
2022-12-31	3,163,444	2,786,992	2,060,235	1.48	16.64	3.75
2023-03-31	3,176,873	2,694,798	2,101,210	1.57	18.83	3.86
2023-06-30	3,296,071	2,687,013	2,238,102	1.41	17.10	3.77
2023-09-30	3,353,000	2,764,853	2,309,893	1.33	16.44	3.70
2023-12-31	3,449,037	2,870,227	2,353,236	1.24	15.10	3.64
2024-03-31	3,458,892	2,897,379	2,337,629	1.25	14.36	3.40
2024-06-30	3,480,981	2,935,382	2,418,924	1.30	14.65	3.48
2024-09-30	3,508,224	2,977,454	2,449,630	1.35	14.60	3.57
2024-12-31	3,565,200	3,051,123	2,479,235	1.35	14.40	3.59
2025-03-31	3,590,134	3,066,134	2,454,231	1.46	14.63	3.71
2025-06-30	3,564,689	3,047,375	2,491,435	1.49	14.71	3.86
2025-09-30	3,604,384	3,077,111	2,484,613	1.40	13.51	3.91
2025-12-31	3,704,763	3,152,434	2,486,390	1.48	14.01	3.96
2026-03-31	3,688,224	3,138,859	2,469,893	1.63	14.24	3.98
2026-06-30	3,656,900	3,131,406	2,490,353	1.82	15.71	4.21

Structure and branch footprint

40 current branch locations across 4 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2022-10-15	1	903455	751656
2022-09-17	1	729459	751656
2020-10-17	1	456157	751656
2016-10-22	1	2514837	751656
2013-10-19	1	341851	751656
2012-03-17	1	395256	751656
2011-08-20	1	711678	751656
2011-03-19	1	103554	751656
2011-03-19	1	521756	751656
2010-05-15	1	167855	751656
2009-10-17	1	2582032	751656
2009-10-17	1	287351	751656
2008-08-16	1	697857	751656
2006-03-04	1	974259	751656
2005-04-01	1	126955	751656
2004-11-01	1	917452	751656

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.