Bank Safety Analysis
Is Thrivent Trust Co. Safe? Appleton, Wisconsin
Based on its Q2 2026 call report, Thrivent Trust Co. meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report, Thrivent Trust Co.'s Community Bank Leverage Ratio is 82.67%, above the 9% threshold that makes a community bank well capitalized.
- CET1 ratio (Q2 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q2 2026): 82.67%
- Texas ratio (Q2 2026): 0.00%
- Noncurrent loans ratio (Q2 2026): not reported
Thrivent Trust Co. is an FDIC-insured savings institution (FDIC Certificate #34799). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Thrivent Trust Co. meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
The standout move of Q2 2026 was in return on assets: 3.26 percentage points higher than in Q1 2026, at 9.78%. As of Q2 2026, Thrivent Trust Co. ranks first in Wisconsin on leverage ratio among 153 banks, at 82.67%. Thrivent Trust Co.'s leverage ratio of 82.67% is well above the 12.62% median for banks in the < $100M asset tier, a gap of 70.05 points (Q2 2026). From Q3 2023 to Q2 2026, Thrivent Trust Co.'s CET1 ratio ranged between 288.00% (Q2 2024) and 323.85% (Q3 2024) and its Texas ratio held at 0.00% in every quarter. Between Q2 2025 and Q2 2026, Thrivent Trust Co.'s Texas ratio held at 0.00% and return on assets rose from 5.75% to 9.78%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
Leverage ratio of 82.67% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 82.67% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 80.7% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 5 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2024 | 323.85% |
| Q2 2024 | 288.00% |
| Q1 2024 | 305.73% |
| Q4 2023 | 307.77% |
| Q3 2023 | 307.49% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Thrivent Trust Co. by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | — | 0.00% | 9.78% |
| Mar 31, 2026 | — | — | 0.00% | 6.52% |
| Dec 31, 2025 | — | — | 0.00% | 7.84% |
| Sep 30, 2025 | — | — | 0.00% | 6.20% |
| Jun 30, 2025 | — | — | 0.00% | 5.75% |
| Mar 31, 2025 | — | — | 0.00% | 5.36% |
| Dec 31, 2024 | — | — | 0.00% | 4.10% |
| Sep 30, 2024 | 323.85% | — | 0.00% | 9.12% |
| Jun 30, 2024 | 288.00% | — | 0.00% | 2.62% |
| Mar 31, 2024 | 305.73% | — | 0.00% | 9.64% |
| Dec 31, 2023 | 307.77% | — | 0.00% | 9.41% |
| Sep 30, 2023 | 307.49% | — | 0.00% | 4.00% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Thrivent Trust Co. FDIC insured?
Yes. Thrivent Trust Co. is an FDIC-insured savings institution (FDIC Certificate #34799). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Thrivent Trust Co. well capitalized?
On its Q2 2026 call report, Thrivent Trust Co.'s Community Bank Leverage Ratio is 82.67%, above the 9% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are Thrivent Trust Co.'s key safety ratios?
For Q2 2026, Thrivent Trust Co. reports leverage 82.67%, Texas ratio 0.00%, noncurrent loans not reported. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Thrivent Trust Co. fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 34799) · FFIEC NIC profile (RSSD 2745529)
Explore: Full Thrivent Trust Co. profile · Other banks in WI · Metric glossary · How the call report works