Think Mutual Bank Mortgage Rates, Fees & Info

Rochester, MN

LEI: 254900B9B6TYYGLOXT47

Tax ID: 41-0844117

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
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    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Think Mutual Bank is a smaller bank specializing in Home Purchase and Refi loans. Think Mutual Bank has a high proportion of conventional loans. Their top markets by origination volume include: Rochester, Minneapolis, Chicago, Red Wing, and St. Louis among others. We have data for 60 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Think Mutual Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Think Mutual Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 4/18/24
    30 Year Conventional Purchase 6.40% 4/18/24
    30 Year Conventional Refi 6.36% 4/18/24
    30 Year Cash-out Refi 6.59% 4/18/24
    15 Year Conventional Purchase 5.41% 4/18/24
    15 Year Conventional Refi 5.79% 4/18/24
    15 Year Cash-out Refi 5.79% 4/18/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Think Mutual Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Think Mutual Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,585

    Origination Dollar Volume (All Markets)

    $323,625,000

    Employee count

    276 Show all (6) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    ROCHESTER, MN (FHA|USDA|VA) 933 $200,165,000 $214,539 $3,284 4.20%
    MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 356 $70,950,000 $199,298 $3,523 4.32%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 34 $7,310,000 $215,000 $4,280 4.00%
    Red Wing, MN (FHA|USDA|VA) 47 $6,975,000 $148,404 $2,948 4.19%
    Outside of Metro Areas 30 $5,210,000 $173,667 $3,257 4.21%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 11 $3,005,000 $273,182 $4,201 4.06%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 19 $2,735,000 $143,947 $2,385 4.40%
    Brainerd, MN (FHA|USDA|VA) 8 $2,710,000 $338,750 $4,379 3.91%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 13 $2,275,000 $175,000 $4,101 4.34%
    Austin, MN (FHA|USDA|VA) 19 $2,115,000 $111,316 $2,700 4.25%
    Winona, MN (FHA|USDA|VA) 12 $1,950,000 $162,500 $2,017 4.40%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 4 $1,210,000 $302,500 $5,131 3.78%
    SIOUX FALLS, SD (FHA|USDA|VA) 3 $1,025,000 $341,667 $3,514 3.92%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $9,104 3.75%
    ST. CLOUD, MN (FHA|USDA|VA) 3 $985,000 $328,333 $2,818 4.76%
    DULUTH, MN-WI (FHA|USDA|VA) 6 $960,000 $160,000 $3,933 3.88%
    OMAHA-COUNCIL BLUFFS, NE-IA (FHA|USDA|VA) 6 $950,000 $158,333 $3,243 4.06%
    MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 8 $810,000 $101,250 $2,959 4.75%
    Owatonna, MN (FHA|USDA|VA) 5 $745,000 $149,000 $2,940 4.08%
    THE VILLAGES, FL (FHA|USDA|VA) 2 $650,000 $325,000 $4,950 3.31%
    EAU CLAIRE, WI (FHA|USDA|VA) 3 $645,000 $215,000 $3,219 4.08%
    Spirit Lake, IA (FHA|USDA|VA) 1 $525,000 $525,000 $3,856 4.25%
    DES MOINES-WEST DES MOINES, IA (FHA|USDA|VA) 3 $515,000 $171,667 $3,519 3.58%
    Faribault-Northfield, MN (FHA|USDA|VA) 7 $515,000 $73,571 $1,934 4.93%
    WATERLOO-CEDAR FALLS, IA (FHA|USDA|VA) 1 $465,000 $465,000 $7,384 3.63%
    Grand Rapids, MN (FHA|USDA|VA) 2 $450,000 $225,000 $4,316 4.38%
    GREEN BAY, WI (FHA|USDA|VA) 4 $420,000 $105,000 $2,558 4.42%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 2 $410,000 $205,000 $3,080 4.62%
    MANKATO, MN (FHA|USDA|VA) 2 $400,000 $200,000 $3,887 3.81%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $390,000 $195,000 $4,136 4.00%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $370,000 $185,000 $4,862 4.13%
    Worthington, MN (FHA|USDA|VA) 2 $350,000 $175,000 $3,619 3.88%
    APPLETON, WI (FHA|USDA|VA) 2 $320,000 $160,000 $3,539 3.63%
    Baraboo, WI (FHA|USDA|VA) 2 $300,000 $150,000 $2,676 3.69%
    LA CROSSE-ONALASKA, WI-MN (FHA|USDA|VA) 2 $300,000 $150,000 $3,280 3.63%
    Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 1 $275,000 $275,000 $3,024 3.75%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $260,000 $130,000 $2,549 4.83%
    Menomonie, WI (FHA|USDA|VA) 1 $235,000 $235,000 $3,885 3.88%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $225,000 $225,000 $3,774 3.75%
    New Ulm, MN (FHA|USDA|VA) 1 $205,000 $205,000 $4,614 3.75%
    PALM BAY-MELBOURNE-TITUSVILLE, FL (FHA|USDA|VA) 1 $165,000 $165,000 $3,149 3.63%
    RACINE, WI (FHA|USDA|VA) 1 $155,000 $155,000 $3,283 4.13%
    FARGO, ND-MN (FHA|USDA|VA) 1 $145,000 $145,000 $3,433 3.63%
    Fergus Falls, MN (FHA|USDA|VA) 1 $145,000 $145,000 $3,259 3.38%
    CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $145,000 $145,000 $3,637 3.75%
    Alexandria, MN (FHA|USDA|VA) 1 $135,000 $135,000 $3,311 3.75%
    DUBUQUE, IA (FHA|USDA|VA) 1 $135,000 $135,000 $3,248 4.63%
    Whitewater, WI (FHA|USDA|VA) 1 $135,000 $135,000 $3,599 3.13%
    Platteville, WI (FHA|USDA|VA) 1 $125,000 $125,000 $2,973 3.25%
    Marshalltown, IA (FHA|USDA|VA) 1 $115,000 $115,000 $3,163 4.25%
    LAKE HAVASU CITY-KINGMAN, AZ (FHA|USDA|VA) 1 $115,000 $115,000 $3,322 3.00%
    Albert Lea, MN (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $105,000 $105,000 $3,847 3.75%
    SPRINGFIELD, MO (FHA|USDA|VA) 1 $95,000 $95,000 $4,134 4.50%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,667 3.75%
    RAPID CITY, SD (FHA|USDA|VA) 1 $95,000 $95,000 $414 5.79%
    Marshall, MN (FHA|USDA|VA) 2 $90,000 $45,000 $475 5.10%
    OCALA, FL (FHA|USDA|VA) 1 $85,000 $85,000 $3,076 3.88%
    CHAMPAIGN-URBANA, IL (FHA|USDA|VA) 1 $65,000 $65,000 $319 5.29%
    Fairmont, MN (FHA|USDA|VA) 2 $60,000 $30,000 $2,479 4.94%
    Think Mutual Bank's top markets include Rochester, Minneapolis, Chicago, Red Wing, and St. Louis among others.

    Their top states include:
  • Minnesota (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Illinois (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Think Mutual Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Liberty Bank for Savings
    Similarity Rank: 85
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    EDUCATORS CREDIT UNION
    Similarity Rank: 352
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 416
    UNITED
    Similarity Rank: 498
    Southern Lkaes Credit Union
    Similarity Rank: 513
    AMERITRUST MORTGAGE CORPORATION
    Similarity Rank: 618
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 651
    MAYO EMPLOYEES FEDERAL CREDIT UNION
    Similarity Rank: 800

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,366 $311,190,000 $227,811 $3,347 4.05%
    HELOC 219 $12,435,000 $56,781 n/a 5.33%

    For 2019, Think Mutual Bank's most frequently originated type of loan was Conventional, with 1,366 originations. Their 2nd most popular type was HELOC, with 219 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 597 $164,645,000 $275,787 $4,542 3.88%
    Refi 572 $119,400,000 $208,741 $2,842 4.08%
    Home Improvement 318 $18,390,000 $57,830 $389 5.27%
    Cash Out Refi 98 $21,190,000 $216,224 $3,677 3.74%

    For 2019, Think Mutual Bank's most frequently cited loan purpose was Home Purchase, with 597 originations. The 2nd most popular reason was Refi, with 572 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 960 $223,060,000 $232,354 $3,967 4.22%
    15 Year 283 $60,895,000 $215,177 $2,943 3.71%
    20 Year 142 $23,680,000 $166,761 $1,972 4.74%
    10 Year 124 $10,180,000 $82,097 $1,129 4.47%
    5 Year 50 $2,280,000 $45,600 $287 4.79%
    Other 15 $1,485,000 $99,000 $27,500 5.13%
    3 Year 6 $500,000 $83,333 $2,686 4.06%
    30+ year 4 $1,400,000 $350,000 $54,313 4.03%
    1 Year 1 $145,000 $145,000 $482 5.75%

    For 2019, Think Mutual Bank's most frequently cited loan duration was 30 Year, with 960 originations. The 2nd most popular length was 15 Year, with 283 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 690 $185,190,000 $268,391
    $<1k 336 $28,480,000 $84,762
    $2k-3k 216 $54,120,000 $250,556
    $3k-4k 74 $21,870,000 $295,541
    $4k-5k 22 $8,080,000 $367,273
    $5k+ 16 $6,390,000 $399,375

    Think Mutual Bank's average total fees were $3,967, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 690 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 735 $208,335,000 $283,449
    4-5% 438 $68,140,000 $155,571
    5-6% 312 $20,670,000 $66,250
    2.5-3% 99 $25,895,000 $261,566
    <2.5% 1 $585,000 $585,000

    During 2019, Think Mutual Bank's average interest rate for loans was 4.22%, while their most frequently originated rate bucket for loans was 3-4%, with 735 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 512 $26,050,000 $50,879 $822 5.03%
    $200k-400k 473 $130,335,000 $275,550 $4,563 3.75%
    $100k-200k 432 $63,180,000 $146,250 $3,320 4.00%
    $400k-600k 110 $52,360,000 $476,000 $4,966 3.65%
    $600k-1MM 37 $26,715,000 $722,027 $4,690 3.58%
    $1MM+ 21 $24,985,000 $1,189,762 $5,768 3.64%

    2019 saw Think Mutual Bank place emphasis on $100,000 or less loans with 512 originations, totaling $26,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 428 $78,460,000 $183,318 $3,078 4.32%
    $150k-250k 318 $68,030,000 $213,931 $3,684 4.29%
    $50k-75k 276 $39,020,000 $141,377 $3,035 4.16%
    $75k-100k 238 $36,480,000 $153,277 $3,580 4.31%
    $250k+ 169 $83,525,000 $494,231 $4,051 3.81%
    $50k or less 150 $17,190,000 $114,600 $2,876 4.20%

    Think Mutual Bank lent most frequently to those with incomes in the $100k-150k range, with 428 originations. The second most popular income band? $150k-250k, with 318 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 501 $102,295,000 $204,182 $3,165 4.19%
    30-36% 333 $61,845,000 $185,721 $3,073 4.28%
    <20% 293 $69,395,000 $236,843 $3,917 4.17%
    38% 55 $10,655,000 $193,727 $2,917 4.34%
    39% 51 $6,015,000 $117,941 $2,336 4.67%
    37% 50 $8,130,000 $162,600 $2,752 4.30%
    36% 44 $7,260,000 $165,000 $3,145 4.48%
    42% 38 $8,260,000 $217,368 $3,756 4.01%
    41% 33 $6,615,000 $200,455 $3,552 4.20%
    44% 30 $6,280,000 $209,333 $3,983 4.05%
    40% 26 $5,450,000 $209,615 $3,616 4.24%
    43% 25 $6,185,000 $247,400 $3,670 4.05%
    50-60% 25 $5,455,000 $218,200 $3,936 4.07%
    46% 19 $3,605,000 $189,737 $3,549 4.06%
    47% 13 $4,415,000 $339,615 $4,833 4.00%
    >60% 13 $3,345,000 $257,308 $3,420 4.10%
    45% 12 $2,350,000 $195,833 $3,336 4.34%
    49% 10 $2,720,000 $272,000 $4,350 3.91%
    48% 7 $2,365,000 $337,857 $3,860 3.54%

    Think Mutual Bank lent most frequently to those with DTI ratios of 20-30%, with 501 originations. The next most common DTI ratio? 30-36%, with 333 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,372 $273,750,000 $199,526 $3,386 4.21%
    Not provided 142 $29,600,000 $208,451 $2,551 4.45%
    Asian 45 $14,435,000 $320,778 $3,781 3.96%
    Black 16 $4,170,000 $260,625 $4,568 3.70%
    Not applicable 6 $920,000 $153,333 $0 4.94%
    American Indian 4 $750,000 $187,500 $5,606 4.34%

    Approval Rates

    Total approvals of all applications
    93.51%

    Think Mutual Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    83.47%

    Think Mutual Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,585 $323,625,000 $204,180

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Single Family (1-4 Units):Manufactured 1 $155,000 $155,000
    Single Family (1-4 Units):Site-Built 1,584 $323,470,000 $204,211

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 206 $17,610,000 $85,485 $1,274 4.89%
    40-60% 164 $28,760,000 $175,366 $3,991 3.78%
    60-80% 366 $96,690,000 $264,180 $4,126 3.73%
    80-100% 529 $166,485,000 $314,716 $4,203 3.85%
    Over 100% 1 $875,000 $875,000 $4,054 3.38%
    Under 20% 319 $13,205,000 $41,395 $290 5.20%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    TEAM USA MORTGAGE L.L.C. Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Think Mutual Bank 5201 Members Pkwy Nw Rochester, MN 55901 Full Service B&M $170,111
    Think Mutual Bank 15751 Emperor Ave Apple Valley, MN 55124 Full Service B&M $33,287
    Think Mutual Bank 1698 Greenview Drive Sw Rochester, MN 55901 Full Service B&M $156,278
    Think Mutual Bank 221 1st Ave Sw Suite 101 Rochester, MN 55902 Full Service B&M $47,308
    Think Mutual Bank 253 Penny Lane Ne Rochester, MN 55906 Full Service B&M $188,268
    Think Mutual Bank 3605 Hwy 52 North Rochester, MN 55901 Full Service B&M $62,707
    Think Mutual Bank 3655 Hazelton Road Edina, MN 55435 Full Service B&M $108,707
    Think Mutual Bank 400 N. Robert Street Saint Paul, MN 55101 Full Service B&M $36,026
    Think Mutual Bank 4245 Johnny Cake Ridge Rd Eagan, MN 55122 Full Service B&M $39,791
    Think Mutual Bank 4638 Maine Avenue Se Rochester, MN 55904 Full Service B&M $68,021
    Think Mutual Bank 5200 Members Parkway, Nw Rochester, MN 55901 Full Service B&M $457,216

    For 2019, Think Mutual Bank had 11 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $54,789
    Net interest income $48,396
    Total noninterest income $18,393
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $1,361
    Trading account gains and fees $0
    Additional Noninterest Income $17,032
    Pre-tax net operating income $18,035
    Securities gains (or losses, -) $0
    Income before extraordinary items $13,580
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $13,580
    Minority interest net income $0
    Net income $13,580
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $13,580

    Think Mutual Bank's gross interest income from loans was $54,789,000.
    Think Mutual Bank's net interest income from loans was $48,396,000.
    Think Mutual Bank's fee based income from loans was $1,361,000.
    Think Mutual Bank's net income from loans was $13,580,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $6,393
    Provision for credit losses $1,015
    Total noninterest expense $47,739
    Salaries and employee benefits $28,183
    Premises and equipment expense $4,976
    Additional noninterest expense $14,580
    Applicable income taxes $4,455
    Net charge-offs $670
    Cash dividends $0

    Think Mutual Bank's interest expense for loans was $6,393,000.
    Think Mutual Bank's payroll and benefits expense were $28,183,000.
    Think Mutual Bank's property, plant and equipment expenses $4,976,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $1,373,413
    Deposits held in domestic offices $1,373,413
    Deposits by Individuals, partnerships, and corporations $1,373,413
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $0
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $95,523
    Demand deposits $29,797
    Nontransaction accounts $1,277,890
    Money market deposit accounts (MMDAs) $345,339
    Other savings deposits (excluding MMDAs) $745,629
    Total time deposits $186,922
    Total time and savings deposits $1,343,616
    Noninterest-bearing deposits $107,765
    Interest-bearing deposits $1,265,648
    Retail deposits $1,362,713
    IRAs and Keogh plan accounts $45,369
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $1,669,828
    Cash & Balances due from depository institutions $101,136
    Interest-bearing balances $91,779
    Total securities $388,264
    Federal funds sold & reverse repurchase $0
    Net loans and leases $1,084,000
    Loan and leases loss allowance $4,539
    Trading account assets $0
    Bank premises and fixed assets $36,495
    Other real estate owned $176
    Goodwill and other intangibles $4,754
    All other assets $55,003

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $1,669,828
    Total Liabilities $1,388,077
    Total deposits $1,373,413
    Interest-bearing deposits $1,265,648
    Deposits held in domestic offices $1,373,413
    % insured (estimated) $96
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $14,664

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $1,084,000
    Loan and leases loss allowance $4,539
    Total loans and leases (domestic) $1,088,539
    All real estate loans $832,294
    Real estate loans in domestic offices $832,294
    Construction and development loans $27,104
    Residential 1-4 family construction $7,243
    Other construction, all land development and other land $19,861
    Loans secured by nonfarm nonresidential properties $26,605
    Nonfarm nonresidential secured by owner-occupied properties $7,539
    Commercial real estate & other non-farm, non-residential $19,066
    Multifamily residential real estate $6,601
    1-4 family residential loans $771,984
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $0
    Commercial and industrial loans $20,039
    To non-U.S. addressees $0
    Loans to individuals $236,206
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $190,667
    Other loans to individuals $45,539
    All other loans & leases $0
    Loans to foreign governments and official institutions $0
    Other loans $0
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Think Mutual Bank had $1,084,000,000 of loans outstanding in 2019. $832,294,000 of loans were in real estate loans. $27,104,000 of loans were in development loans. $6,601,000 of loans were in multifamily mortgage loans. $771,984,000 of loans were in 1-4 family mortgage loans. $0 of loans were in farm loans. $0 of loans were in credit card loans. $190,667,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 46 $15,952 $346,783
    Nonfarm, nonresidential loans - <$100k 2 $117 $58,500
    Nonfarm, nonresidential loans - $100-250k 13 $1,384 $106,462
    Nonfarm, nonresidential loans - $250k-1MM 31 $14,451 $466,161
    Commercial & Industrial, US addressed loans - <$1MM 584 $17,446 $29,873
    Commercial & Industrial, US addressed loans - <$100k 520 $6,385 $12,279
    Commercial & Industrial, US addressed loans - $100-250k 40 $3,831 $95,775
    Commercial & Industrial, US addressed loans - $250k-1MM 24 $7,230 $301,250