Carter Karppinen

Carter Karppinen is dedicated to helping Frandsen Bank & Trust customers reach their financial goals with care and integrity. He began his banking career in 2020 as an intern universal banker in Fargo, North Dakota, where he developed a strong interest in community banking. After returning to the Carlton County area, he began working as a lender in 2023 and joined the Frandsen team in 2025. Carter specializes in helping customers navigate real estate financing, understanding that these decisions...