BlastPoint's Banking Scorecard

Thrivent Bank

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

Salt Lake City, UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 13 in UT.
Deposits -14.6% year over year ($548.1M on the books).
Delinquency rate 0.26%.
Return on assets -1.62%.
Efficiency ratio 128.94% vs a 64.48% peer average.
Loan-to-deposit ratio 104.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 13 in UT

View $100M-$1B leaderboard (UT) →

Thrivent Bank has 2 strengths but faces 8 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 1.55% above tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.3% in tier
- Credit Risk Growth: Bottom 6.7% in tier
- Credit Quality Pressure: Bottom 14.7% in tier
- Deposit Outflow: Bottom 18.1% in tier
- Capital Constraint: Bottom 92.5% in tier
- Return on Assets 2.94% below tier average
- Efficiency Ratio 64.46% above tier average
- Non-Interest-Bearing Deposit Share 22.03% below tier average

Get updates when Thrivent Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Total Assets ?	$905.6M -16.8% YoY -6.4% QoQ	+$519.0M	$386.6M +1.2% YoY	$31.1B +21.2% YoY	$6.3B +7.7% YoY	Top 3.5% in tier
Total Loans ?	$571.5M +3.7% YoY -0.6% QoQ	+$313.2M	$258.3M +1.7% YoY	$18.5B +10.6% YoY	$3.2B +9.4% YoY	Top 7.2% in tier
Total Deposits ?	$548.1M -14.6% YoY -8.0% QoQ	+$221.3M	$326.7M +0.7% YoY	$23.9B +15.2% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	-1.62% +74.5% YoY -195.0% QoQ	-2.94%	1.32% +10.8% YoY	2.15% +9.7% YoY	1.30% +12.1% YoY	Bottom 0.8% in tier
Net Interest Margin ?	5.54% +500.2% YoY -0.4% QoQ	+1.55%	3.99% +5.0% YoY	7.81% +8.6% YoY	3.95% +4.9% YoY	Top 2.8% in tier
Efficiency Ratio ?	128.94% -58.0% YoY +24.7% QoQ	+64.46%	64.48% -3.2% YoY	105.46% +37.7% YoY	70.05% +2.5% YoY	Bottom 0.8% in tier
Delinquency Rate ?	0.26% +14.3% YoY +4.6% QoQ	-0.66%	0.92% +15.7% YoY	1.38% +2.5% YoY	0.98% +16.3% YoY	60%
Loan-to-Deposit Ratio ?	104.28% +21.3% YoY +8.0% QoQ	+26.33%	77.95% +1.0% YoY	83.52% +2.9% YoY	79.03% +2.3% YoY	Bottom 6.2% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-22.03%	22.03% -0.6% YoY	17.78% -2.6% YoY	21.98% -0.6% YoY	Bottom 0.5% in tier
Nonperforming Asset Ratio ?	0.17% +42.3% YoY +11.1% QoQ	-0.50%	0.67% +16.4% YoY	0.92% +4.0% YoY	0.69% +15.8% YoY	64%
Tier 1 Capital Ratio ?	55.55% -4.2% YoY -0.5% QoQ	+39.64%	15.91% +1.4% YoY	21.39% +2.0% YoY	17.09% +0.8% YoY	Top 0.8% in tier
Non-Interest Income / Assets ?	0.20% +667.4% YoY +112.9% QoQ	-0.36%	0.57% +7.6% YoY	2.21% +5.7% YoY	0.66% +5.2% YoY	51%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Noninterest-Bearing	n/a	n/a	22.1%	20.1%	22.2%	n/a
Brokered Deposits	n/a	n/a	7.9%	28.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
C&I	4.1% +1.2pp YoY +0.5pp QoQ	-7.5pp	11.6%	25.0%	12.5%	15%
CRE	36.6% -1.4pp YoY -0.7pp QoQ	-3.0pp	39.5%	44.1%	41.4%	46%
1-4 Family	38.3% -0.1pp YoY +0.7pp QoQ	+5.7pp	32.6%	13.8%	31.3%	67%
Consumer	21.2% 0.0pp YoY -0.7pp QoQ	+17.1pp	4.1%	45.8%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
CET1 Ratio	55.5% -2.4pp YoY -0.3pp QoQ	+36.7pp	18.8%	25.0%	19.7%	98%
Leverage Ratio	29.8% +1.8pp YoY +0.5pp QoQ	+17.6pp	12.2%	15.7%	12.6%	99%
Total Capital Ratio	56.0% -2.4pp YoY -0.2pp QoQ	+36.1pp	19.9%	26.3%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Full-Time Employees	149 +1 (+0.7%) YoY -1 (-0.7%) QoQ	+90	58	1,029	482	97%
Assets per Employee ($)	$6.1M -17.3% YoY -5.7% QoQ	-$1.4M	$7.5M	$39.6M	$8.8M	35%
Branch Count	1 0 YoY 0 QoQ	-4	4	13	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.6%	0.4%	n/a
Nonaccrual	0.3% +0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.2%	1.0%	35%
Allowance Coverage	1.82x -22.8% YoY 0.0% QoQ	-22.34x	24.15x	7.86x	20.23x	44%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY 0.0pp QoQ	+0.1pp	0.1%	3.6%	0.2%	89%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
ROE	-4.6% +15.7pp YoY -3.0pp QoQ	-16.8pp	12.2%	15.9%	11.6%	2%
Cost of Funds (YTD)	1.3% +1.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	2.3%	1.7%	22%
Net Income ($, YTD)	$-7754000.0 +77.6% YoY — QoQ	-$10.3M	$2.6M	$307.8M	$40.4M	0%

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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 (5)

Liquidity Overhang

risk

#18 of 742 • Bottom 2.3% 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: 55.55%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 104.28%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#64 of 936 • Bottom 6.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#186 of 1256 • Bottom 14.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.26%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Deposit Outflow

decline

#98 of 535 • Bottom 18.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

Capital Constraint

risk

#100 of 107 • Bottom 92.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 104.28%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 55.55%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Tier 1 Capital Ratio

capital

Value: 55.55%

Peer Median: 15.91%

#22 of 2643 Top 0.8% in $100M-$1B

Net Interest Margin

profitability

Value: 5.54%

Peer Median: 3.99%

#74 of 2643 Top 2.8% in $100M-$1B

Total Assets

size

Value: $905.60M

Peer Median: $386.57M

#94 of 2643 Top 3.5% in $100M-$1B

190

Total Loans

size

Value: $571.53M

Peer Median: $258.35M

#190 of 2643 Top 7.2% in $100M-$1B

426

Total Deposits

size

Value: $548.05M

Peer Median: $326.73M

#426 of 2643 Top 16.1% in $100M-$1B

Top Weaknesses (4 metrics)

2630

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 22.03%

#2630 of 2643 Bottom 0.5% in $100M-$1B

2623

Efficiency Ratio

profitability

Value: 128.94%

Peer Median: 64.48%

#2623 of 2643 Bottom 0.8% in $100M-$1B

2622

Return on Assets

profitability

Value: -1.62%

Peer Median: 1.32%

#2622 of 2643 Bottom 0.8% in $100M-$1B

2481

Loan-to-Deposit Ratio

liquidity

Value: 104.28%

Peer Median: 77.95%

#2481 of 2643 Bottom 6.2% in $100M-$1B