Think Mutual Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loans held for sale: 40.1% higher than in Q1 2026, at $4.0M. Think Mutual Bank ranks 172nd of 221 Minnesota banks on loan-to-deposit ratio, in the lower half at 65.18% (Q2 2026). The median for banks in the $1B-10B asset tier is 88.20% on loan-to-deposit ratio. Think Mutual Bank sits 23.02 points lower, at 65.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.21B |
| Net loans and leases | $1.21B |
| Loans held for sale | $4.0M |
| Loans to total assets | 54.35% |
| Loan-to-deposit ratio | 65.18% |
| Net loans to equity capital | 3.51% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 5.07% |
| Multifamily (5+ residential) | 1.31% |
| Commercial and industrial | 1.47% |
| Consumer | 11.24% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 24.52% |
| Construction concentration (Tier 1 capital + allowance) | 5.06% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.68% |
| Interest income on loans | $14.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.28B | $1.72B | 4.49% | 1.65% | 14.92% |
| Q4 2023 | $1.28B | $1.71B | 4.90% | 1.68% | 14.17% |
| Q1 2024 | $1.25B | $1.76B | 4.65% | 1.70% | 13.46% |
| Q2 2024 | $1.25B | $1.72B | 5.08% | 1.71% | 12.85% |
| Q3 2024 | $1.24B | $1.71B | 5.04% | 1.71% | 12.16% |
| Q4 2024 | $1.23B | $1.73B | 5.59% | 1.70% | 11.81% |
| Q1 2025 | $1.22B | $1.81B | 5.29% | 1.70% | 11.59% |
| Q2 2025 | $1.23B | $1.77B | 5.21% | 1.71% | 11.64% |
| Q3 2025 | $1.22B | $1.79B | 5.22% | 1.67% | 11.66% |
| Q4 2025 | $1.21B | $1.82B | 5.38% | 1.70% | 11.70% |
| Q1 2026 | $1.19B | $1.91B | 5.20% | 1.47% | 11.50% |
| Q2 2026 | $1.21B | $1.86B | 5.07% | 1.47% | 11.24% |
Think Mutual Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Think Mutual Bank, freeSource: Call Report Schedule RC-C, 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)