Think Mutual Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The largest change between Q1 2026 and Q2 2026 was in Yield on securities, which rose 0.29 percentage points to 2.94%. Think Mutual Bank has the 11th lowest net interest margin of the 221 banks headquartered in Minnesota, at 2.90% as of Q2 2026. The median for banks in the $1B-10B asset tier is 3.71% on net interest margin. Think Mutual Bank sits 0.81 points lower, at 2.90% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.02% |
| Yield on loans | 4.68% |
| Yield on securities | 2.94% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.18% |
| Cost of interest-bearing deposits | 1.40% |
| Cost of interest-bearing liabilities | 1.40% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.90% |
| Yield to cost spread | 2.62% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $14.0M |
| Total interest expense | $6.0M |
| Interest expense on deposits | $6.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 3.30% | 0.74% | 2.59% | 3.87% | 1.78% |
| Q4 2023 | 3.39% | 0.91% | 2.52% | 3.99% | 1.80% |
| Q1 2024 | 3.45% | 1.08% | 2.43% | 4.06% | 1.75% |
| Q2 2024 | 3.57% | 1.17% | 2.46% | 4.16% | 1.74% |
| Q3 2024 | 3.70% | 1.25% | 2.52% | 4.29% | 1.85% |
| Q4 2024 | 3.79% | 1.26% | 2.60% | 4.38% | 2.04% |
| Q1 2025 | 3.79% | 1.20% | 2.67% | 4.37% | 2.13% |
| Q2 2025 | 3.88% | 1.23% | 2.73% | 4.48% | 2.18% |
| Q3 2025 | 3.97% | 1.28% | 2.78% | 4.58% | 2.26% |
| Q4 2025 | 3.93% | 1.29% | 2.73% | 4.57% | 2.45% |
| Q1 2026 | 3.88% | 1.19% | 2.76% | 4.56% | 2.65% |
| Q2 2026 | 4.02% | 1.18% | 2.90% | 4.68% | 2.94% |
Think Mutual Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Think Mutual Bank, freeSource: Call Report Schedules RI and RC-K, 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)