Thrivent Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.82 percentage points higher than in Q1 2026, at 104.78%. Thrivent Bank has the 3rd lowest return on assets of the 44 banks headquartered in Utah, at -2.38% as of Q2 2026. Against a median of 1.26% for banks in the $100M-1B asset tier, Thrivent Bank reported -2.38% on return on assets in Q2 2026, 3.64 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 55.55% |
| Tier 1 risk-based capital ratio | 55.55% |
| Total risk-based capital ratio | 56.04% |
| Tier 1 leverage ratio | 29.76% |
| Equity capital to assets | 36.71% |
| Tangible equity to tangible assets | 35.52% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 0.47% |
| Allowance for credit losses to loans | 0.47% |
| Reserve coverage of non-performing loans | 181.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -2.38% |
| Return on equity | -7.62% |
| Net interest margin | 4.74% |
| Efficiency ratio | 155.96% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 104.78% |
| Core deposits to total deposits | 96.76% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 60.52% |
| Securities to assets | 18.50% |
Vital Signs trend
Last 5 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q2 2025 | 57.97% | 57.97% | 58.47% | 27.97% | — |
| Q3 2025 | 58.08% | 58.08% | 58.54% | 28.19% | 0.22% |
| Q4 2025 | 56.10% | 56.10% | 56.58% | 29.22% | -0.22% |
| Q1 2026 | 55.81% | 55.81% | 56.28% | 29.28% | -0.49% |
| Q2 2026 | 55.55% | 55.55% | 56.04% | 29.76% | -2.38% |
Thrivent Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Thrivent Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)