| Metric | Thrivent Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -16.8% | +4.9% | -21.7 pts |
| Deposit growth (YoY) | -14.6% | +4.3% | -18.9 pts |
| Loan growth (YoY) | +3.7% | +5.3% | -1.7 pts |
| ROA | -1.62% | 1.28% | -2.9 pts |
| ROE | -4.6% | 12.4% | -17.0 pts |
ROA ranks in the 1st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $905.6M | $548.1M | $571.5M | $332.4M | $-7.8M | -1.62% | 5.54% | 0.17% |
| Q1 2026 | $967.1M | $595.6M | $574.9M | $340.0M | $-1.3M | -0.55% | 5.56% | 0.15% |
| Q4 2025 | $996.5M | $600.9M | $566.4M | $342.1M | $-34.6M | -3.32% | 3.18% | 0.14% |
| Q3 2025 | $1.05B | $600.3M | $550.5M | $342.2M | $-34.0M | -4.25% | 2.40% | 0.11% |
| Q2 2025 | $1.09B | $641.4M | $551.3M | $341.2M | $-34.6M | -6.37% | 0.92% | 0.12% |
Loan mix (Q2 2026): real estate $428.1M · commercial $23.2M · consumer $121.3M · securities $167.5M
| Ratio | Thrivent Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -1.62% | 1.28% | 1st | |
Return on equity Annualized net income ÷ equity or net worth | -4.6% | 12.4% | 2nd | |
Net interest margin Interest income − interest expense, ÷ assets | 5.54% | 3.89% | 98th | |
Efficiency ratio |
Peer lists, growth filters, CSV export, CRM push.
| 128.9% |
| 61.2% |
99th |
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 | Thrivent Bank | Trend (5q) | 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 | Thrivent Bank | Trend (5q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Thrivent Bank | Trend (5q) | 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 | Thrivent Bank | Trend (5q) | 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 | Thrivent Bank | Trend (5q) | 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.
1 branches in 1 county across 1 state · $641.4M branch deposits. Biggest market: Salt Lake, UT, ranked 33rd with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 1 | $641.4M | 0.06% | 33rd |
Utah: 49th with 0.06% · Salt Lake City-Murray metro: 33rd, 0.06% ·