Thrivent Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Accumulated other comprehensive income dropped 62.0% in Q2 2026, from $1.9M to $738K. It was the largest change from Q1 2026 among the key lines here. Thrivent Bank ranks 4th of 28 Utah banks on CET1 ratio, in the upper half at 55.55% (Q2 2026). Thrivent Bank's CET1 ratio of 55.55% is well above the 15.08% median for banks in the $100M-1B asset tier, a gap of 40.47 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 55.55% |
| Tier 1 risk-based capital ratio | 55.55% |
| Total risk-based capital ratio | 56.04% |
| Tier 1 leverage ratio | 29.76% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $315.0M |
| Tier 1 capital | $315.0M |
| Total risk-based capital | $317.8M |
| Total equity capital | $332.4M |
| Risk-weighted assets | $567.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 36.71% |
| Tangible equity to tangible assets | 35.52% |
| Equity capital to average assets | 30.92% |
| Internal capital growth rate | -7.53% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $0 |
| Common stock surplus | $374.1M |
| Retained earnings | -$42.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $738K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 5 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q2 2025 | 57.97% | 57.97% | 58.47% | 27.97% | $530.0M |
| Q3 2025 | 58.08% | 58.08% | 58.54% | 28.19% | $532.2M |
| Q4 2025 | 56.10% | 56.10% | 56.58% | 29.22% | $572.2M |
| Q1 2026 | 55.81% | 55.81% | 56.28% | 29.28% | $574.3M |
| Q2 2026 | 55.55% | 55.55% | 56.04% | 29.76% | $567.1M |
Thrivent Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Thrivent Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Thrivent Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59286) · FFIEC NIC profile (RSSD 4457536)