BlastPoint's Banking Scorecard

Thrivent Bank

$100M-$1B Specialty: Other UT FDIC cert 59286

Salt Lake City, UT

2664 banks in the $100M-$1B peer group nationally 12 in UT

Thrivent Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.63% above tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 3.0% in tier
- Return on Assets 1.82% below tier average
- Efficiency Ratio 38.13% above tier average
- Non-Interest-Bearing Deposit Share 22.02% below tier average

Get updates when Thrivent Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$967.1M -3.0% QoQ	+$581.0M	$386.1M +0.5% YoY	$31.5B +16.1% YoY	$6.2B +9.1% YoY	Top 1.0% in tier
Total Loans ?	$574.9M +1.5% QoQ	+$319.2M	$255.7M +1.1% YoY	$18.8B +6.7% YoY	$3.2B +10.8% YoY	Top 7.1% in tier
Total Deposits ?	$595.6M -0.9% QoQ	+$267.6M	$328.0M +0.1% YoY	$24.2B +10.6% YoY	$4.8B +8.2% YoY	Top 12.7% in tier
Return on Assets ?	-0.55% +83.4% QoQ	-1.82%	1.27% +12.9% YoY	2.19% +3.7% YoY	1.23% +13.4% YoY	Bottom 1.5% in tier
Net Interest Margin ?	5.56% +74.9% QoQ	+1.63%	3.93% +6.0% YoY	7.79% +9.7% YoY	3.89% +5.7% YoY	Top 2.6% in tier
Efficiency Ratio ?	103.42% -15.5% QoQ	+38.13%	65.29% -4.5% YoY	105.45% +9.4% YoY	66.95% -4.1% YoY	Bottom 2.1% in tier
Delinquency Rate ?	0.25% -1.8% QoQ	-0.64%	0.89% +18.8% YoY	1.46% +7.1% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	96.52% +2.4% QoQ	+19.88%	76.64% +0.8% YoY	84.36% +3.4% YoY	76.70% +0.9% YoY	Bottom 13.0% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-22.02%	22.02% -1.0% YoY	17.87% +4.4% YoY	22.01% -1.2% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.15% +2.8% QoQ	-0.49%	0.64% +19.7% YoY	1.01% +17.9% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	55.81% -0.5% QoQ	+39.98%	15.83% +1.5% YoY	22.97% +16.9% YoY	17.06% +0.8% YoY	Top 0.7% in tier
Non-Interest Income / Assets ?	0.10% -59.0% QoQ	-0.18%	0.28% +9.3% YoY	1.04% +5.8% YoY	0.32% +4.1% YoY	49%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#23 of 739 • Bottom 3.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 55.81%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Tier 1 Capital Ratio

capital

Value: 55.81%

Peer Median: 15.83%

#19 of 2664 Top 0.7% in $100M-$1B

Total Assets

size

Value: $967.07M

Peer Median: $386.08M

#28 of 2664 Top 1.0% in $100M-$1B

Net Interest Margin

profitability

Value: 5.56%

Peer Median: 3.93%

#70 of 2664 Top 2.6% in $100M-$1B

191

Total Loans

size

Value: $574.90M

Peer Median: $255.72M

#191 of 2664 Top 7.1% in $100M-$1B

339

Total Deposits

size

Value: $595.62M

Peer Median: $327.97M

#339 of 2664 Top 12.7% in $100M-$1B

Top Weaknesses (4 metrics)

2652

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.02%

#2652 of 2664 Bottom 0.5% in $100M-$1B

2624

Return on Assets

profitability

Value: -0.55%

Peer Median: 1.27%

#2624 of 2664 Bottom 1.5% in $100M-$1B

2610

Efficiency Ratio

profitability

Value: 103.42%

Peer Median: 65.29%

#2610 of 2664 Bottom 2.1% in $100M-$1B

2319

Loan-to-Deposit Ratio

liquidity

Value: 96.52%

Peer Median: 76.64%

#2319 of 2664 Bottom 13.0% in $100M-$1B