| Metric | Thrivent Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +1.9 pts |
| Deposit growth (YoY) | 0.0% | +2.5% | -2.5 pts |
| Loan growth (YoY) | — | +2.6% | — |
| ROA | 8.06% | 0.99% | +7.1 pts |
| ROE | 10.3% | 8.1% | +2.2 pts |
ROA ranks in the 99th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $15.5M | $2.0M | $0 | $12.6M | $632K | 8.06% | 3.46% | 0.00% |
| Q1 2026 | $15.2M | $2.0M | $0 | $12.2M | $257K | 6.51% | 3.57% | 0.00% |
| Q4 2025 | $16.4M | $2.0M | $0 | $12.0M | $916K | 6.08% | 3.43% | 0.00% |
| Q3 2025 | $15.2M | $2.0M | $0 | $12.2M | $617K | 5.57% | 3.35% | 0.00% |
| Q2 2025 | $14.7M | $2.0M | $0 | $12.0M | $394K | 5.39% | 3.14% | 0.00% |
| Q1 2025 | $14.6M | $2.0M | $0 | $11.7M | $191K | 5.25% | 2.80% | 0.00% |
| Q4 2024 | $14.5M | $2.0M | $0 | $11.5M | $892K | 6.07% | 2.79% | 0.00% |
| Q3 2024 | $15.0M | $2.0M | $0 | $11.9M | $742K | 6.71% | 2.64% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $0 · securities $14.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Thrivent Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 8.06% | 0.99% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 10.3% | 8.1% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.46% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.7% | 70.8% | 75th |
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 Trust Company | Trend (8q) | 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 Trust Company | Trend (8q) | 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 Trust Company | Trend (8q) | 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 Trust Company | Trend (8q) | 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 Trust Company | Trend (8q) | 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.
2 branches in 2 counties across 2 states (+0 vs 2025) · $2.0M branch deposits. Biggest market: Outagamie, WI, ranked 28th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Outagamie, WI | 1 | $2.0M | 0.02% | 28th |
| Hennepin, MN | 1 | $0 | 0.00% | 92nd |
Wisconsin: 324th with 0.00% · Minnesota: 375th with 0.00% · Appleton metro: 35th, 0.02% · Minneapolis-St. Paul-Bloomington metro: 179th, 0.00% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2
Spends 7.8× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).