BlastPoint's Banking Scorecard

Think Mutual Bank

$1B-$10B Specialty: Mortgage MN FDIC cert 58536

Designations: ✓ Community bank

Rochester, MN

9 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 17 in MN.
Deposits +4.7% year over year ($1.9B on the books).
Delinquency rate 0.26%.
Return on assets 0.63%.
Efficiency ratio 75.72% vs a 59.73% peer average.
Loan-to-deposit ratio 64.83% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 17 in MN

View $1B-$10B leaderboard (MN) →

Think Mutual Bank has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.61% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.2% in tier
- Non-Interest-Bearing Deposit Share 12.22% below tier average
- ROA 0.76% below tier average
- Net Interest Margin 1.02% below tier average
- Efficiency Ratio 15.99% above tier average

Get updates when Think Mutual Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$2.2B +5.2% YoY -1.9% QoQ	-$563.8M	$2.8B -0.6% YoY	$524.5M +5.8% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$1.2B -1.5% YoY +1.5% QoQ	-$758.2M	$2.0B -0.3% YoY	$300.2M +7.3% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$1.9B +4.7% YoY -2.5% QoQ	-$460.0M	$2.3B -0.5% YoY	$452.1M +5.5% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	0.63% +13.4% YoY +16.1% QoQ	-0.76%	1.39% +17.0% YoY	1.26% +17.2% YoY	1.30% +12.1% YoY	Bottom 11.2% in tier
Net Interest Margin ?	2.85% +5.1% YoY +3.3% QoQ	-1.02%	3.87% +6.2% YoY	4.00% +6.8% YoY	3.95% +4.9% YoY	Bottom 10.3% in tier
Efficiency Ratio ?	75.72% -3.6% YoY -3.5% QoQ	+15.99%	59.73% -12.6% YoY	63.00% -3.5% YoY	70.05% +2.5% YoY	Bottom 11.3% in tier
Delinquency Rate ?	0.26% +27.4% YoY +16.3% QoQ	-0.61%	0.87% +11.7% YoY	1.01% +19.3% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	64.83% -5.9% YoY +4.1% QoQ	-20.21%	85.04% -0.1% YoY	78.29% -0.6% YoY	79.03% +2.3% YoY	Top 10.3% in tier
Non-Interest-Bearing Deposit Share ?	9.06% +1.4% YoY -5.6% QoQ	-12.22%	21.27% -1.5% YoY	21.79% +0.9% YoY	21.98% -0.6% YoY	Bottom 9.3% in tier
Nonperforming Asset Ratio ?	0.14% +19.3% YoY +20.2% QoQ	-0.54%	0.67% +11.7% YoY	0.76% +16.9% YoY	0.69% +15.8% YoY	80%
Tier 1 Capital Ratio ?	16.25% -1.4% YoY -0.7% QoQ	+1.41%	14.84% -0.4% YoY	15.35% -0.4% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.50% +1.0% YoY +123.4% QoQ	-0.03%	0.53% +2.5% YoY	0.31% +3.9% YoY	0.66% +5.2% YoY	80%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Noninterest-Bearing	9.1% +0.1pp YoY -0.5pp QoQ	-12.3pp	21.4%	21.9%	22.2%	9%
Brokered Deposits	n/a	n/a	9.5%	8.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
C&I	1.5% -0.2pp YoY 0.0pp QoQ	-12.5pp	14.0%	14.6%	12.5%	4%
CRE	8.0% +0.5pp YoY +1.1pp QoQ	-42.0pp	50.0%	36.5%	41.4%	1%
1-4 Family	79.8% +0.1pp YoY -0.8pp QoQ	+53.3pp	26.4%	29.4%	31.3%	98%
Consumer	11.3% -0.4pp YoY -0.3pp QoQ	+6.6pp	4.7%	4.5%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.5%	19.7%	n/a
Leverage Ratio	16.3% -0.2pp YoY -0.1pp QoQ	+4.9pp	11.3%	11.0%	12.6%	95%
Total Capital Ratio	n/a	n/a	16.7%	17.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Full-Time Employees	265 +10 (+3.9%) YoY +8 (+3.1%) QoQ	-49	313	55	482	58%
Assets per Employee ($)	$8.4M +1.3% YoY -4.9% QoQ	-$2.1M	$10.5M	$8.6M	$8.8M	47%
Branch Count	9 0 YoY 0 QoQ	-11	20	4	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	46%
Nonaccrual	0.2% +0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.0%	1.0%	24%
Allowance Coverage	2.13x -18.7% YoY -12.6% QoQ	-16.58x	18.71x	20.41x	20.23x	51%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
ROE	4.2% +0.5pp YoY +0.6pp QoQ	-8.4pp	12.6%	13.1%	11.6%	6%
Cost of Funds (YTD)	1.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.7%	1.7%	8%
Net Income ($, YTD)	$7.1M +19.9% YoY — QoQ	-$12.2M	$19.2M	$4.5M	$40.4M	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#76 of 492 • Bottom 15.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 64.83%

Peer Median: 85.04%

#92 of 885 Top 10.3% in $1B-$10B

164

Tier 1 Capital Ratio

capital

Value: 16.25%

Peer Median: 14.84%

#164 of 885 Top 18.4% in $1B-$10B

175

Nonperforming Asset Ratio

credit_quality

Value: 0.14%

Peer Median: 0.67%

#175 of 885 Top 19.7% in $1B-$10B

175

Non-Interest Income / Assets

revenue_mix

Value: 0.50%

Peer Median: 0.53%

#175 of 885 Top 19.7% in $1B-$10B

Top Weaknesses (4 metrics)

804

Non-Interest-Bearing Deposit Share

funding

Value: 9.06%

Peer Median: 21.27%

#804 of 885 Bottom 9.3% in $1B-$10B

795

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.87%

#795 of 885 Bottom 10.3% in $1B-$10B

787

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.39%

#787 of 885 Bottom 11.2% in $1B-$10B

786

Efficiency Ratio

profitability

Value: 75.72%

Peer Median: 59.73%

#786 of 885 Bottom 11.3% in $1B-$10B