| Metric | Think Mutual Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.2% | +5.5% | -0.2 pts |
| Deposit growth (YoY) | +4.7% | +5.1% | -0.3 pts |
| Loan growth (YoY) | -1.5% | +5.9% | -7.4 pts |
| ROA | 0.63% | 1.26% | -0.6 pts |
| ROE | 4.2% | 12.2% | -8.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.23B | $1.86B | $1.21B | $343.4M | $7.1M | 0.63% | 2.85% | 0.14% |
| Q1 2026 | $2.27B | $1.91B | $1.19B | $339.7M | $3.0M | 0.55% | 2.76% | 0.12% |
| Q4 2025 | $2.18B | $1.82B | $1.20B | $338.6M | $13.0M | 0.61% | 2.74% | 0.12% |
| Q3 2025 | $2.14B | $1.79B | $1.21B | $332.9M | $9.4M | 0.59% | 2.74% | 0.12% |
| Q2 2025 | $2.12B | $1.77B | $1.22B | $325.8M | $5.9M | 0.56% | 2.71% | 0.12% |
| Q1 2025 | $2.14B | $1.81B | $1.22B | $318.7M | $2.7M | 0.52% | 2.67% | 0.06% |
| Q4 2024 | $2.05B | $1.73B | $1.22B | $309.2M | $10.3M | 0.50% | 2.51% | 0.05% |
| Q3 2024 | $2.04B | $1.71B | $1.23B | $313.8M | $7.2M | 0.47% | 2.47% | 0.06% |
Loan mix (Q2 2026): real estate $1.06B · commercial $17.8M · consumer $136.2M · securities $646.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Think Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 4.2% | 12.2% | 6th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.85% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.7% | 59.0% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Think Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Think Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Think Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Think Mutual Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.