Side-by-side · Q2 2026 data
Frandsen Bank & Trust vs Woodlands National Bank
Metric by metric
| Measure | Frandsen Bank & Trust | Woodlands National Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 62 |
| Capital cushion | 50 | 62 (stronger) |
| Loan quality | 76 (stronger) | 53 |
| Earnings | 93 (stronger) | 45 |
| Funding & liquidity | 62 | 84 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 63rd | 22nd |
| Total assets | $3.7B | $331.0M |
| Deposits / shares | $3.1B | $298.5M |
| Capital ratio | 10.02% | 11.20% (stronger) |
| Problem loans | 0.71% (stronger) | 1.42% |
| Net charge-offs | 0.11% (stronger) | 0.30% |
| Return on assets | 1.82% (stronger) | 0.63% |
| Loans ÷ deposits | 79.5% | 40.1% (stronger) |
| Uninsured deposits | 31.8% | 29.6% (stronger) |
| Offices | 39 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 29.8% |
Frandsen Bank & Trust has the higher TellerScore (71 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Frandsen Bank & Trust leads on 4 and Woodlands National Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cloquet, MN