Think Mutual Bank
Rochester, MN · Cert 58536 · Peer group: banks $1B-$10B in assets (n=322-328)
State savings bank · OCC · 9 branches
Q2 2026
$2.2BAssets
$1.2BLoans
$1.9BDeposits
$343.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 94% of banks $1B-$10B in assets (rank 20 of 328).
- Widest gap: return on equity trails 95% of banks $1B-$10B in assets (rank 310 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.63%
Rank 295 of 328
Net Interest Margin
2.64%
Rank 295 of 328
Efficiency Ratio
75.72%
Rank 296 of 328
Equity / Assets
15.41%
Rank 20 of 328
Non-interest income vs. expense
Unfavorable gap of $40.1M · efficiency ratio beats 10% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.63% | 0.91% | 1.22% | 1.52% | Beats 10% | 295 / 328 | |
| Return on Equity | 4.11% | 8.43% | 11.45% | 14.43% | Beats 5% | 310 / 328 | |
| Net Interest Margin | 2.64% | 3.03% | 3.45% | 3.83% | Beats 10% | 295 / 328 | |
| Efficiency Ratio | 75.72% | 51.61% | 59.56% | 67.53% | Beats 10% | 296 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.24% | 0.51% | 1.03% | Beats 74% | 86 / 322 | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.03% | 0.10% | Beats 52% | 154 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 16.25% | 11.75% | 13.15% | 15.47% | Beats 80% | 65 / 328 | |
| Total Risk-Based Capital Ratio | 16.25% | 12.63% | 14.15% | 16.46% | Beats 73% | 87 / 328 | |
| Equity / Assets | 15.41% | 9.15% | 10.33% | 12.01% | Beats 94% | 20 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 65.18% | 76.63% | 87.92% | 95.36% | 11th pctl | 289 / 323 | |
| Loans / Assets | 54.35% | 65.18% | 74.15% | 79.98% | 11th pctl | 292 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |