Cheri Pagnac - Frandsen Bank & Trust Mortgage

Cheri Pagnac graduated from Minnesota State University Moorhead with a finance degree and a minor in mathematics. She has worked in the financial industry since 2000 and has been processing mortgage loans for over a decade. Cheri is a committed mortgage lender who ensures her clients are well informed about the entire process, from the credit report to loan closing. She goes above and beyond to educate Frandsen customers and works hard to find loan products tailored to each customer's financial situation.

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.

Welcome to KodaBank We are proud to announce the merger of two great banking institutions, Drayton State Bank and Bank of Minto. Our name might be new but our roots run deep. Since 1881, our people have provided professional banking services to individuals, farms, and small businesses in our region, making us the banking institution with the second oldest history in North Dakota. Our longevity and success can be attributed to our simple philosophy of offering quality lending and deposit products with courteous, honest customer service. For nearly 130 years we have been an independent, locally owned community bank. We've seen our share of market ups and downs but our support of our customers has never wavered--and it never will. We continue to manage our business locally, meaning our lending and deposit decisions are made right here by people who live and work alongside our customers. The strength of KodaBank lies in the deep relationships we have developed over time. Our customers know us and trust us. Many of our bankers have lived here for generations, so we know well the communities in which we serve. As a respected source for financial information and solutions, we can offer expert advice on financial matters as they arise. We are excited to share with you the news of our merger and we look forward to serving you for another century or more.