Think Mutual Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 25.19 percentage points lower than in Q1 2026, at 225.15%. Within Minnesota, Think Mutual Bank is 192nd of 221 on return on assets, 0.71% as of Q2 2026, below the middle of the field. Think Mutual Bank reported 0.71% on return on assets for Q2 2026, 0.57 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.25% |
| Equity capital to assets | 15.41% |
| Tangible equity to tangible assets | 15.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.24% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 0.92% |
| Allowance for credit losses to loans | 0.54% |
| Reserve coverage of non-performing loans | 225.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 4.71% |
| Net interest margin | 2.90% |
| Efficiency ratio | 73.20% |
| Yield on earning assets | 4.02% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.18% |
| Core deposits to total deposits | 96.87% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.38% |
| Securities to assets | 29.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 16.11% | 0.56% | 2.59% | 0.07% | 0.05% |
| Q4 2023 | 16.44% | 0.43% | 2.52% | 0.07% | 0.04% |
| Q1 2024 | 16.43% | 0.36% | 2.43% | 0.08% | 0.04% |
| Q2 2024 | 16.57% | 1.21% | 2.46% | 0.07% | 0.03% |
| Q3 2024 | 16.60% | -0.20% | 2.52% | 0.09% | 0.06% |
| Q4 2024 | 16.75% | 0.58% | 2.60% | 0.08% | 0.09% |
| Q1 2025 | 16.55% | 0.51% | 2.67% | 0.10% | 0.04% |
| Q2 2025 | 16.49% | 0.58% | 2.73% | 0.18% | 0.03% |
| Q3 2025 | 16.57% | 0.65% | 2.78% | 0.19% | 0.03% |
| Q4 2025 | 16.68% | 0.65% | 2.73% | 0.20% | 0.05% |
| Q1 2026 | 16.37% | 0.54% | 2.76% | 0.21% | 0.05% |
| Q2 2026 | 16.25% | 0.71% | 2.90% | 0.24% | 0.05% |
Think Mutual Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Think Mutual Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)