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BDI
TM

Think Mutual Bank

Rochester, MinnesotaFDIC Cert #58536

OCCEstablished 20079 branches

Holding company: Not reportedRegulator: OCC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.07%
−38.2%y/y
Peer standing85th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP3ASSET + LNLSGR
90+ %
0.01%
−11.5%y/y
Peer standing16th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.21%
+126.1%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNAASSET + LNLSGR
Noncurrent %
0.22%
+106.7%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.12%
+90.1%y/y
Peer standing84th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.61M
+101.7%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.05%
+2.0%y/y
Peer standing38th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNTLNLS + LNLSGR
NCO
$137K
0.0%y/y
Peer standing42nd percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
0.53%
+4.1%y/y
Percentile by value12th percentileby value
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICLNATRES + LNLSGR
30–89
$881K
−39.7%y/y
Peer standing88th percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP3ASSET
90+
$158K
−13.7%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICP9ASSET
Nonaccrual
$2.46M
+120.7%y/y
Peer standing81st percentile
Peer standing in FFIEC UBPR Peer Group 101 — Insured savings banks having assets greater than $1 billion
FDICNAASSET