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State Bank of Buffalo Lake merged with Tri-County State Bank in September 1994 and formed CenBank. CenBank is family owned and operated bank. It offers a full range of financial services and products, including Internet as well as telephone banking. The bank provides a full array of personal banking accounts and services, ranging from checking and savings accounts to a variety of personal loans. Its business banking products include checking, savings, business and real estate loans, certificates of deposit, wire transfers and more. CenBank is a member of the Federal Deposit Insurance Corporation (FDIC) and is an Equal Housing Lender.

Frandsen Bank & Trust, located in Hermantown, MN, was established in 2022 and is led by Market President Brian Shelton. The bank is dedicated to providing a wide range of personal and business banking services, including mortgages, investments, and wealth management, all tailored to meet the unique financial needs of its clients. The team at Frandsen Bank prides itself on building strong, lasting relationships with customers, ensuring they feel valued and supported throughout their financial journeys. With a focus on innovative and customized banking solutions, Frandsen Bank & Trust has become a preferred choice for many satisfied customers across Minnesota, Wisconsin, and North Dakota. Generated from the website

Frandsen Bank & Trust offers a full range of banking services including, but not limited to, business and agriculture lending, home mortgages and cabin loans, commercial and farm real estate lending and full suite of treasury management products. We also provide remote deposit, positive pay, electronic payment processing, consumer loans and deposits, plus many other personal and business banking services through our and mobile platforms. We are a true community bank that serves over 30 communities across Minnesota, North Dakota, and Wisconsin. We provide customized banking services that help our clients achieve their financial goals. Our relationship-based approach allows us to serve each customer individually, providing them with personalized service and advice.