Thrivent Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 7.82 percentage points in Q2 2026, from 96.96% to 104.78%. It was the largest change from Q1 2026 among the key lines here. Within Utah, Thrivent Bank is 10th of 44 on loan-to-deposit ratio, 104.78% as of Q2 2026. Thrivent Bank reported 104.78% on loan-to-deposit ratio for Q2 2026, 24.22 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $574.2M |
| Net loans and leases | $571.5M |
| Loans held for sale | $205K |
| Loans to total assets | 63.41% |
| Loan-to-deposit ratio | 104.78% |
| Net loans to equity capital | 1.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 31.40% |
| Multifamily (5+ residential) | 4.59% |
| Commercial and industrial | 4.04% |
| Consumer | 21.13% |
| Credit cards | 2.06% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 43.81% |
| Construction concentration (Tier 1 capital + allowance) | 0.74% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.16% |
| Interest income on loans | $10.4M |
Loan Portfolio trend
Last 5 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q2 2025 | $554.3M | $641.4M | 31.73% | 2.86% | 21.15% |
| Q3 2025 | $552.8M | $600.3M | 32.73% | 2.60% | 20.68% |
| Q4 2025 | $569.0M | $600.9M | 31.10% | 2.73% | 23.14% |
| Q1 2026 | $577.5M | $595.6M | 31.53% | 3.54% | 21.79% |
| Q2 2026 | $574.2M | $548.1M | 31.40% | 4.04% | 21.13% |
Thrivent Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Thrivent Bank, freeSource: Call Report Schedule RC-C, 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)