BlastPoint's Banking Scorecard
Think Mutual Bank
Designations: ✓ Community bank
Rochester, MN
9 branches across MN
Think Mutual Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3.6% in tier
- + Loan-to-Deposit Ratio 21.92% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.2% in tier
- - Net Interest Margin 1.06% below tier average
- - ROA 0.82% below tier average
- - Efficiency Ratio 17.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+6.1% YoY
+4.5% QoQ
|
-$543.2M |
$2.8B
-0.1% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$1.2B
-2.4% YoY
-1.0% QoQ
|
-$777.1M |
$2.0B
+0.6% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
42% |
| Total Deposits ? |
$1.9B
+5.6% YoY
+5.0% QoQ
|
-$436.5M |
$2.3B
-0.3% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
0.55%
+4.9% YoY
-10.4% QoQ
|
-0.82% |
1.37%
+19.6% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.4% in tier |
| Net Interest Margin ? |
2.76%
+3.3% YoY
+0.8% QoQ
|
-1.06% |
3.82%
+6.9% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio ? |
78.48%
-1.5% YoY
+1.7% QoQ
|
+17.42% |
61.06%
-4.6% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate ? |
0.22%
+106.7% YoY
+5.3% QoQ
|
-0.67% |
0.89%
+14.1% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
62.29%
-7.6% YoY
-5.7% QoQ
|
-21.92% |
84.20%
+0.3% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
Top 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.59%
+1.3% YoY
+7.1% QoQ
|
-11.70% |
21.29%
-2.5% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.7% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+90.1% YoY
-0.2% QoQ
|
-0.56% |
0.67%
+15.6% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
16.37%
-1.1% YoY
-1.9% QoQ
|
+1.21% |
15.16%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.22%
-2.0% YoY
-77.4% QoQ
|
-0.03% |
0.26%
+1.6% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.