THINK MUTUAL BANK

ROCHESTER, MN | Large | Est. July 1, 2007, midnight | FDIC #58536 | RSSD #936583 | OCC
Latest Report: 2025-12-31

THINK MUTUAL BANK is aln large FDIC-insured commercial bank headquartered in ROCHESTER, MN, established in July 1, 2007, midnight. As of 2025-12-31, the bank reported total assets of $2.2B and total deposits of $1.8B. Profitability stands at 0.65% ROA and 4.21% ROE, with a net interest margin of 2.82%. The bank's CET1 capital ratio is 15.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 0.70%. FDIC Certificate #58536.

Assets

$2.2B

Deposits

$1.8B

Loans

$1.2B

Equity

$339M

Profitability

Return on Assets (ROA) 0.65%
Return on Equity (ROE) 4.21%
Net Interest Margin (NIM) 2.82%
Yield on Assets 4.06%
Cost of Funds 1.39%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.70%
NPA Ratio 0.11%
ACL / Loans 0.55%

Capital & Liquidity

CET1 Ratio 15.48%
Tier 1 Capital 15.48%
Total Capital Ratio 16.25%
Leverage Ratio 16.68%
Loan-to-Deposit 66.42%

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