MN lenders / Community Bank
Frandsen Bank & Trust
Community Bank · Lonsdale, MN · Frandsen Financial Corp
- Total assets
- $3.7B
- CRE loan book
- $987.3M
- QoQ CRE growth
- -0.1%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.13% as of Q1 2026 — TX bank median 4.87% (1.27pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.13% | 6.32% |
| Q4 2025 | 6.33% | 6.53% |
| Q3 2025 | 6.18% | 6.44% |
| Q2 2025 | 6.21% | 6.47% |
| Q1 2025 | 5.92% | 6.10% |
| Q4 2024 | 5.96% | 6.14% |
| Q3 2024 | 5.99% | 6.28% |
| Q2 2024 | 5.88% | 6.16% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $987.3M | $176.8M | $173.5M | 162% | $25.7M |
| Q4 2025 | $987.8M | $201.2M | $143.0M | 166% | $22.4M |
| Q3 2025 | $995.1M | $202.4M | $129.8M | 175% | $37.0M |
| Q2 2025 | $996.1M | $190.1M | $132.1M | 178% | $15.9M |
| Q1 2025 | $1.0B | $184.3M | $121.3M | 182% | $16.0M |
| Q4 2024 | $1.0B | $201.7M | $120.8M | 194% | $16.0M |
| Q3 2024 | $1.0B | $207.4M | $118.0M | 201% | $161,000 |
| Q2 2024 | $970.1M | $202.6M | $95.5M | 208% | $112,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- First National BankCommunity Bank · Damariscotta · $1.0B CRE book
- The Lowell Five Cent Savings BankCommunity Bank · Tewksbury · $1.0B CRE book
- Citizens and Farmers BankCommunity Bank · West Point · $1.0B CRE book
- Horizon Bank, SSBCommunity Bank · Austin · $1.0B CRE book
- Stride Bank, National AssociationCommunity Bank · Enid · $952.5M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.