Mutual Banks Look Good for Now, But Managers Need to Plan for Changing Future Mutual thrift institutions have been gaining momentum in the financial services marketplace, but experts say they can’t expect to ride on the coattails of a growing economy much longer. “Just because you’re doing well now doesn’t mean you’ll continue to do well,” said Peter Ostrowski, founder of Ostrowski & Company, Inc., and a long-time advisor to banks and thrifts.