BlastPoint's Banking Scorecard
Think Mutual Bank
Community
Specialty: Mortgage
MN
FDIC cert 58536
Rochester, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
Think Mutual Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.2B
+5.9% YoY
+1.6% QoQ
|
+$783.8M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$1.2B
-1.9% YoY
-0.9% QoQ
|
+$224.1M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$1.8B
+5.0% YoY
+1.7% QoQ
|
+$651.4M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.61%
+21.5% YoY
+2.5% QoQ
|
-0.55% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
2.74%
+9.2% YoY
-0.2% QoQ
|
-0.93% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
77.20%
-4.3% YoY
+0.1% QoQ
|
+14.56% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.21%
+167.7% YoY
-1.5% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
66.05%
-6.6% YoY
-2.5% QoQ
|
-17.01% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.96%
-2.1% YoY
-2.6% QoQ
|
-12.09% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+148.1% YoY
-3.9% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.00%
-0.5% YoY
+32.9% QoQ
|
+0.26% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.96%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.05% · Tier avg: 83.06%
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
13
13th pctile
Efficiency Ratio
Current: 77.20% · Tier avg: 62.63%
10
10th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.66%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.96% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.96% · Tier avg: 21.05%
10
10th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.66%
13
13th pctile
Efficiency Ratio
Current: 77.20% · Tier avg: 62.63%
15
15th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
75
75th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
82
82th pctile
Total Deposits
Current: $1.8B · Tier avg: $1.2B
82
82th pctile
Total Assets
Current: $2.2B · Tier avg: $1.4B
85
85th pctile
Loan-to-Deposit Ratio
Current: 66.05% · Tier avg: 83.06%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%