Think Mutual Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Think Mutual Bank of Rochester, MN against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.71% | 1.46% | -0.75% | 15th bottom |
| ROAE | 4.71% | 12.72% | -8.01% | 9th bottom |
| Net Interest Margin | 2.90% | 3.85% | -0.95% | 11th bottom |
| Efficiency Ratio | 73.20% | 57.39% | +15.81% | 15th bottom |
| PPNR / Avg Assets | 1.02% | 1.88% | -0.86% | 16th bottom |
| Yield on Earning Assets | 4.02% | 5.72% | -1.70% | 3rd bottom |
| Cost of Funds | 1.18% | 2.02% | -0.84% | 90th top |
| Net Interest Spread | 2.62% | 3.18% | -0.56% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.24% | 1.00% | -0.76% | 78th top |
| NPA / Total Assets | 0.13% | 0.76% | -0.63% | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.05% | 0.43% | -0.38% | 42nd below |
| ACL / Total Loans | 0.54% | 1.31% | -0.77% | 4th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 225.15% | 543.63% | -318.48% | 59th above |
| Texas Ratio | 0.92% | 7.39% | -6.47% | 88th top |
| Provision / NCO | 85.26% | 619.15% | -533.89% | 27th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.25% | 11.43% | +4.82% | 95th top |
| Equity / Assets | 15.41% | 11.33% | +4.08% | 94th top |
| TCE / Tangible Assets | 15.41% | 10.50% | +4.91% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 65.18% | 86.97% | -21.79% | 90th top |
| Core Deposit Ratio | 96.87% | 85.54% | +11.33% | 93rd top |
| Uninsured Deposit Ratio | 5.84% | 33.15% | -27.31% | 98th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.22% | 9.68% | -4.46% | 50th above |
| Loan Growth (Y/Y) | -1.48% | 8.06% | -9.54% | 11th bottom |
| Deposit Growth (Y/Y) | 4.72% | 7.87% | -3.15% | 49th below |
See Think Mutual Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Think Mutual Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Think Mutual Bank profile, how to read a UBPR, or how this data updates.