Bank Mutual

4949 West Brown Deer Road
Brown Deer, WI 53223


2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 30125
Date Established 1940
Assets $2.39 billion
Loans $1.86 billion
Deposits $1.79 billion
Capital $0.46 billion

Bank Mutual is an FDIC insured institution located in Brown Deer, WI. It was founded in 1940 and has approximately $2.39 billion in assets. Customers can open an account at one of its 69 branches.

For a more detailed analysis of Bank Mutual's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Bank Mutual’s loan portfolio are 1-4 Family Residential Loans, Multifamily Mortgages, and Commercial Real Estate.

Compared to other banks in Wisconsin, Bank Mutual has a significantly higher percent of Multifamily Mortgages on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 32.43
Credit Card Loans 0.42
Consumer Auto Loans 0.07
Small Business Loans 2.61
Construction and Development Loans 7.35
Commercial Real Estate 17.07
Commercial and Industrial Loans 12.94
Farm Loans 0.00

Deposit Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Bank Mutual, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - June 20, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bank Mutual

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

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Rocket Mortgage
NMLS ID: 3030
4.500% 4.500% 0.00 $0 $1,267 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

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Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
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PenFed Credit Union
PenFed Credit Union
5.500 %
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Figure Home Equity Line
Figure Home Equity Line
5.490 %
N/A Learn More
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Note to Bank Mutual
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Financial Details

Bank Mutual Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bank Mutual. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bank Mutual U.S. Bank Average
6.02% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Bank Mutual had $23,510,000 in non-current loans and $4,048,000 in owned real estate. To cover these potential losses it had $455,950,000 in equity and $1,458,000 in loans loss reserves. That gives it a Texas Ratio of 6.02%.

Return on Equity
Bank Mutual U.S. Bank Average
-4.7% 8.80%

Bank Mutual has a Return on Equity of -4.7% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bank Mutual U.S. Bank Average
19.08% 12.29%

Bank Mutual has a Capitalization of 19.08% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bank Mutual Balance Sheet Analysis

As of March 31, 2018, Bank Mutual had assets of $2,389,537,000, loans of $1,861,321,000, and deposits of $1,788,064,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
Cash & Balances due from depository institutions $0.14 billion
Interest-bearing balances $0.03 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $1.86 billion
Loan loss allowance $0.00 billion
Trading account assets $0.01 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.23 billion
All other assets $0.09 billion
     Total Assets $1.93 billion
Total deposits $1.79 billion
      Interest-bearing deposits $1.49 billion
      Deposits held in domestic offices $1.79 billion
      % insured (estimated) 87.48%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.01 billion
Other borrowed funds $0.09 billion
Subordinated debt $0.00 billion
All other liabilities $0.05 billion
      Total Liabilities $1.93 billion
      Shareholders’ Equity $0.46 billion

Summary Income Statement

December 31, 2018
Total Interest Income $0.02 billion
Total Interest Expense $0.00 billion
Net interest income $0.02 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.03 billion
Pre-tax Net Operating Income $-0.01 billion

Frequently Asked Questions About Bank Mutual

Branches and Savings

Is Bank Mutual FDIC insured?

Yes. It is covered under FDIC Certificate #30125.

Why does Bank Mutual pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bank Mutual CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bank Mutual a commercial bank?


Where are Bank Mutual locations?

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Is Bank Mutual open on Saturdays?

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Are Bank Mutual ATMs Open 24/7?

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Will the Bank Mutual branch print checks?

Do Bank Mutual checks expire?

Does Bank Mutual require US citizenship to open account?

Can Bank Mutual close my account?

Does Bank Mutual Report to credit bureaus?

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Does Bank Mutual offer mortgages?

Compare mortgage rates here.

Does Bank Mutual offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bank Mutual offer personal loans?

Compare personal loan rates here.

Does Bank Mutual offer student loans?

Will Bank Mutual cash a check?

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Does Bank Mutual cash savings bonds?

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Background on The Bank

Who owns Bank Mutual?

How long has Bank Mutual been around?

Can Bank Mutual transfer to other banks?

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Does Bank Mutual accept rolled coins?

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Where is Bank Mutual headquarters?

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