Think Mutual Bank

Think Mutual Bank is headquartered in Rochester and is the 4^th largest bank in the state of Minnesota. It is also the 461^st largest bank in the nation. It was established in 2007 and as of December of 2012, it had grown to 268 employees at 11 locations. Think Mutual Bank has a 5-star health rating.

Think Mutual Bank Routing Number: 291975465

Think Mutual Bank Checking Account Rates

Think Mutual Bank Savings Account Rates

Think Mutual Bank Money Market Rates

Think Mutual Bank CD Rates

Think Mutual Bank IRA Rates

Data for Q4 2012

Institution Statistics Think Mutual Bank OTS # 18037 FDIC Certificate # 58536 BankRate Report View Year Established 2007 Employees 268 Primary Regulator OCC Assets and Liabilities Assets $1.45 billion Loans $803.05 million Deposits $1.22 billion Equity Capital $211.85 million Loan Loss Allowance $3.62 million Unbacked Noncurrent Loans $4.84 million Real Estate Owned $540,000 Historic Data - December 2011 Assets $1.46 billion Equity Capital $206.02 million Loan Loss Allowance $4.04 million Unbacked Noncurrent Loans $4.36 million Profit Margin - Quarterly Net Interest Margin 2.96% Return on Assets 0.44% Return on Equity 3.12% Interest Income $50.10 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Think Mutual Bank had $5.38 million in non-current loans and owned real-estate with $215.48 million in equity and loan loss allowances on hand to cover it. This gives Think Mutual Bank a Texas Ratio of 2.50% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Think Mutual Bank held steady from 2.08% as of December 31, 2011 to 2.50% as of December 31, 2012, resulting in a negative change of 20.38%. This indicates that the balance sheet and financial strength for Think Mutual Bank has held steady in recent periods. Deposit Growth In the past year, Think Mutual Bank has increased its total deposits by $49.18 million, resulting in 4.22% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Think Mutual Bank has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Think Mutual Bank has $1.45 billion in assets with $215.48 million in equity, resulting in a capitalization level of 14.83%, which is excellent.