Think Mutual Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Loans and leases to core deposits: 2.75 percentage points higher than in Q1 2026, at 67.28%. Think Mutual Bank ranks 172nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 65.18% (Q2 2026). Think Mutual Bank reported 65.18% on loan-to-deposit ratio for Q2 2026, 23.02 points below the 88.20% median for banks in the $1B-10B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $260.6M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $907.1M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.18% |
| Net loans and leases to deposits | 64.83% |
| Loans and leases to core deposits | 67.28% |
| Core deposits to total deposits | 96.87% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 74.41% | 99.08% | $0 | $0 |
| Q4 2023 | 74.51% | 98.38% | $0 | $0 |
| Q1 2024 | 71.20% | 97.95% | $0 | $0 |
| Q2 2024 | 72.49% | 97.80% | $0 | $0 |
| Q3 2024 | 72.51% | 97.55% | $0 | $0 |
| Q4 2024 | 71.05% | 97.41% | $0 | $0 |
| Q1 2025 | 67.77% | 97.44% | $0 | $0 |
| Q2 2025 | 69.29% | 97.18% | $0 | $0 |
| Q3 2025 | 68.13% | 96.91% | $0 | $0 |
| Q4 2025 | 66.42% | 96.94% | $0 | $0 |
| Q1 2026 | 62.62% | 97.04% | $0 | $0 |
| Q2 2026 | 65.18% | 96.87% | $0 | $0 |
Think Mutual Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Think Mutual Bank, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Think Mutual Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58536) · FFIEC NIC profile (RSSD 936583)