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Think Mutual Bank
Rochester, MN · FDIC Certificate #58536 · Chartered 07/0
Total assets
$2.23B
Total deposits
$1.86B
Total equity
$343.45M
Net loans
$1.21B
Branches (offices)
9
Net income (YTD)
$7.06M
Rank: #561 of 4,213 U.S. banks by assets · #8 of 221 in Minnesota. Assets changed 5.2% and deposits 4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.63% |
| Return on equity | 4.15% |
| Net interest margin (YTD) | 2.85% |
| Equity to assets | 15.41% |
| Tier 1 leverage ratio | 16.25% |
| Uninsured deposits (share of deposits) | 5.8% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 64.8% |
| Real estate loans (share of loans) | 87.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.06B | 87.8% | |
| Commercial & industrial | $17.77M | 1.5% | |
| Consumer / individual | $136.23M | 11.3% | |
| Construction & development | $19.10M | 1.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.21B | $1.92B | $7.37M | $280.46M |
| Jun 2023 | $2.05B | $1.76B | $5.83M | $276.80M |
| Jun 2024 | $2.04B | $1.72B | $8.28M | $298.73M |
| Jun 2025 | $2.12B | $1.77B | $5.89M | $325.76M |
| Jun 2026 | $2.23B | $1.86B | $7.06M | $343.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $1.86B | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.86B.
Similar-sized banks
National Bank Of Commerce ($2.23B) · First Bank Chicago ($2.23B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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