Thrivent Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Thrivent Bank of Salt Lake City, UT against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -2.38% | 1.25% | -3.63% | 1st bottom |
| ROAE | -7.62% | 13.17% | -20.79% | 1st bottom |
| Net Interest Margin | 4.74% | 3.95% | +0.79% | 87th top |
| Efficiency Ratio | 155.96% | 61.50% | +94.46% | 0th bottom |
| PPNR / Avg Assets | -3.06% | — | — | 0th bottom |
| Yield on Earning Assets | 5.84% | 5.67% | +0.17% | 61st above |
| Cost of Funds | 1.58% | 1.87% | -0.29% | 64th above |
| Net Interest Spread | 3.89% | — | — | 79th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.40% | 0.93% | -0.53% | 51st above |
| NPA / Total Assets | 0.25% | — | — | 55th above |
| NCO / Avg Loans | 0.25% | 0.15% | +0.10% | 10th bottom |
| ACL / Total Loans | 0.47% | — | — | 2nd bottom |
| ACL / NPLs (Coverage) | 118.75% | — | — | 33rd below |
| Texas Ratio | 0.47% | 6.06% | -5.59% | 77th top |
| Provision / NCO | 109.71% | — | — | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 55.55% | 17.18% | +38.37% | 98th top |
| Tier 1 Ratio | 55.55% | 17.21% | +38.34% | 98th top |
| Total Capital Ratio | 56.04% | — | — | 98th top |
| Leverage Ratio | 29.76% | 11.75% | +18.01% | 98th top |
| Equity / Assets | 36.71% | 10.98% | +25.73% | 99th top |
| TCE / Tangible Assets | 35.52% | — | — | 99th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 104.78% | 80.44% | +24.34% | 7th bottom |
| Core Deposit Ratio | 96.76% | 86.95% | +9.81% | 92nd top |
| Uninsured Deposit Ratio | 9.27% | 20.97% | -11.70% | 90th top |
| Wholesale Funding Ratio | 1.10% | — | — | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -16.77% | — | — | 0th bottom |
| Loan Growth (Y/Y) | 3.60% | — | — | 39th below |
| Deposit Growth (Y/Y) | -14.56% | — | — | 1st bottom |
See Thrivent Bank's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Thrivent Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Thrivent Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Thrivent Bank peer analysis.