TellerScore

Headquartered in Rochester, Minnesota, Think Mutual Bank is a savings bank with $2.2B in total assets and $1.9B in deposits as of Q2 2026. It operates 9 offices. Its charter dates back to 2007.

Think Mutual Bank has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 97% of its 897 banks with $1 billion – $10 billion. Among 223 banks headquartered in Minnesota, it ranks 14th. Capital cushion contributes the most (100/100, 16.25%); earnings contributes the least (45/100, 0.63%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.25%
Loan quality92/100
Noncurrent loans ÷ total loans: 0.25%
Earnings45/100
Return on assets (annualized): 0.63%
Funding & liquidity95/100
Loans ÷ deposits and uninsured-deposit share: 64.8% · 5.8% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.88%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (85 → 86).

TellerScore
858788Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202488
Q3 202485
Q4 202486
Q1 202586
Q2 202585
Q3 202586
Q4 202586
Q1 202686
Q2 202686
Tier 1 leverage ratio
5.00%10.88%16.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.57%
Q3 202416.60%
Q4 202416.75%
Q1 202516.55%
Q2 202516.49%
Q3 202516.57%
Q4 202516.68%
Q1 202616.37%
Q2 202616.25%
Noncurrent loans
0.08%0.17%0.25%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.10%
Q4 20240.08%
Q1 20250.11%
Q2 20250.20%
Q3 20250.21%
Q4 20250.21%
Q1 20260.22%
Q2 20260.25%
Return on assets
0.47%0.64%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.47%
Q4 20240.50%
Q1 20250.52%
Q2 20250.56%
Q3 20250.59%
Q4 20250.61%
Q1 20260.55%
Q2 20260.63%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$2.2B16.25%0.25%0.63%64.8%
Q1 202686$2.3B16.37%0.22%0.55%62.3%
Q4 202586$2.2B16.68%0.21%0.61%66.1%
Q3 202586$2.1B16.57%0.21%0.59%67.8%
Q2 202585$2.1B16.49%0.20%0.56%68.9%
Q1 202586$2.1B16.55%0.11%0.52%67.4%
Q4 202486$2.1B16.75%0.08%0.50%70.7%
Q3 202485$2.0B16.60%0.10%0.47%72.1%
Q2 202488$2.0B16.57%0.08%0.81%72.1%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio16.25%
95th
Total risk-based capital0.00%
13th
Problem loans0.25%
72nd
Net charge-offs0.05%
45th
Return on assets0.63%
12th
Net interest margin2.85%
11th
Efficiency ratio75.7%
11th
Loans to deposits64.8%
90th
Uninsured deposits5.8%
98th
Loan-loss reserves0.54%
5th
Texas ratio0.9%
84th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Tradition Capital BankBank Wayzata, MN61 out of 100, Moderate$2.7B8.9%0.01%vs
Merchants Bank, National AssociationBank Winona, MN73 out of 100, Strong$2.9B11.5%0.53%vs
Minnwest BankBank Redwood Falls, MN68 out of 100, Moderate$2.9B10.8%0.56%vs
Deerwood BankBank Waite Park, MN68 out of 100, Moderate$1.5B8.1%0.29%vs
Park State BankBank Duluth, MN66 out of 100, Moderate$1.5B9.9%0.92%vs
North American Banking CompanyBank Roseville, MN68 out of 100, Moderate$1.5B8.9%0.51%vs

Deposit insurance

Is my money safe at Think Mutual Bank?

Yes. Think Mutual Bank is an FDIC-insured institution (FDIC certificate #58536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 5.8% of deposits ($108.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.25%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Think Mutual Bank lists 9 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Think Mutual Bank reported 1,108 home-loan applications under HMDA (LEI 254900B9B6TYYGLOXT47): 824 originated ($194,020,000 total), 116 denied, and 161 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Think Mutual Bank
Type
Savings bank
FDIC certificate #
58536
RSSD ID
936583
Primary regulator
OCC
Established
July 1, 2007
Headquarters
5200 Members Pkwy Nw, Rochester, MN 55901
Employees
265

Quick answers

Think Mutual Bank: common questions

Is Think Mutual Bank FDIC insured?

Yes. Think Mutual Bank is an FDIC-insured institution (FDIC certificate #58536). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Think Mutual Bank's TellerScore?

86 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Think Mutual Bank ever failed?

There is no failure record for FDIC certificate #58536 in the FDIC failed bank list.

How many branches does Think Mutual Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rochester

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Security State Bank of WanamingoBank Wanamingo, MN84 out of 100, Strong$112.7M11.4%0.00%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
First National BankBank Oldham, SD77 out of 100, Strong$477.8M18.4%2.01%vs
Minnesota First Credit and Savings, IncorporatedBank Rochester, MN76 out of 100, Strong$29.9M14.2%0.12%vs
F & M Community Bank, National AssociationBank Preston, MN74 out of 100, Strong$211.1M9.9%0.00%vs