BlastPoint's Banking Scorecard
Thrivent Bank
Community
Specialty: Other
UT
FDIC cert 59286
Salt Lake City, UT
1484
banks in Community tier nationally
18 in UT
View Community leaderboard (UT) →
Thrivent Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 4% in Community
- - Return on Assets 4.48% below tier
- - Efficiency Ratio 59.71% above tier
- - Non-Interest-Bearing Deposit Share 21.05% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$996.5M
-4.7% QoQ
|
-$395.0M |
$1.4B
+2.0% YoY
|
$27.8B
+4.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$566.4M
+2.9% QoQ
|
-$409.1M |
$975.5M
+2.4% YoY
|
$18.4B
+5.7% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$600.9M
+0.1% QoQ
|
-$563.8M |
$1.2B
+1.7% YoY
|
$22.6B
+4.5% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
-3.32%
+21.9% QoQ
|
-4.48% |
1.16%
+17.2% YoY
|
1.81%
-9.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.18%
+32.2% QoQ
|
-0.49% |
3.66%
+9.1% YoY
|
5.42%
-7.6% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
122.34%
-14.4% QoQ
|
+59.71% |
62.63%
-5.3% YoY
|
52.17%
+2.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.25%
+19.3% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
1.05%
-14.1% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
94.26%
+2.8% QoQ
|
+11.20% |
83.06%
+0.3% YoY
|
84.36%
-0.6% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -21.05% |
21.05%
-0.9% YoY
|
13.04%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.14%
+28.8% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.58%
-21.1% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
56.10%
-3.4% QoQ
|
+45.86% |
10.24%
-0.6% YoY
|
9.83%
-1.9% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.23%
+93.4% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
1.76%
-7.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Overhang
risk
#11 of 268 · Bottom 4% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
56.10%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
94.26%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-3.32%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
122.34%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 21.05%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.26% · Tier avg: 83.06%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
50
50th pctile
Total Assets
Current: $996.5M · Tier avg: $1.4B
38
38th pctile
Total Loans
Current: $566.4M · Tier avg: $975.5M
28
28th pctile
Total Deposits
Current: $600.9M · Tier avg: $1.2B
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
0
0th pctile
Efficiency Ratio
Current: 122.34% · Tier avg: 62.63%
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
0
0th pctile
Return on Assets
Current: -3.32% · Tier avg: 1.16%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -3.32% · Tier avg: 1.16%
0
0th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 21.05%
0
0th pctile
Efficiency Ratio
Current: 122.34% · Tier avg: 62.63%
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
24
24th pctile
Net Interest Margin
Current: 3.18% · Tier avg: 3.66%
28
28th pctile
Total Deposits
Current: $600.9M · Tier avg: $1.2B
38
38th pctile
Total Loans
Current: $566.4M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $996.5M · Tier avg: $1.4B
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.26% · Tier avg: 83.06%