Total Assets
$996M
Total balance-sheet footings
FDIC Cert #59286 · Salt Lake City, Utah · Est. 2025
Thrivent Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $996M
- Total assets
- C
- Health grade · Fair
- -3.32%
- Return on assets
- 56.1%
- Tier 1 capital
Data updated July 2026
The verdict
Thrivent Bank earns a PlainBankData health grade of C (60/100), with well-capitalized at 56.10% Tier 1, -3.32% ROA, 122% efficiency ratio.
- #1,046
- largest of 4,313 FDIC banks by assets
- 76th
- percentile by asset size, nationally
- 56.10%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
FDIC Call Report plate
Cert 59286 · UT C · 60/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL
- GRADE-C C (60/100)
- LOWER-Q #3766/4307
- PHOTO-FINISH Adelphi Bank · OH
- TIER1-WELL 56.1% Tier 1
- TEXAS-CLEAN 0.4% Texas
- ROA-LOSS -3.32% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Utah: Adelphi Bank, OH (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Thrivent Bank
Lowest and highest poles plus nearest scored peers outside Utah, not a full FDIC corpus board reprint.
What Thrivent Bank's Call Report plate shows
Thrivent Bank (FDIC Cert #59286) carries a PlainBankData health grade of C at 60/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,766 of 4,307. Tier 1 capital prints at 56.10%, clearing the 10% well-capitalized line. The Texas Ratio is 0.42%, inside the sub-50% band analysts treat as healthy. Return on assets is -3.32%. Balance-sheet scale is $996M, 1,046th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Adelphi Bank (OH), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Thrivent Bank
8 FAILURE resolutions in Utah since 2000 (7 since 2008)
Thrivent Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Thrivent Bank remains an active FDIC-insured reporter.
- PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
- SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
- CENTENNIAL BANK OGDEN, UT 2010
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Utah banks.
How Thrivent Bank's 60/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (56.10%) 40/40
Return on Assets (ROA) (-3.32%) 0/25
Texas Ratio (0.42%) 20/20
Efficiency Ratio (122.34%) 0/15
60 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$601M
Customer-funded liabilities
Net Loans
$566M
Outstanding loan book
Net Income
$-34,636K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Thrivent Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Thrivent Bank's score of 60/100 falls in the highlighted band.
Thrivent Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
60 13th percentile higher than 13% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Thrivent Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Thrivent Bank's $996M falls in the highlighted band.
Safety ratios for Thrivent Bank
Tier 1 capital ratio
Well-capitalized 10%
56.10% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
56.10%
Texas Ratio
0.42%
Equity Capital
$342M
Profitability metrics: Thrivent Bank
Return on Assets (ROA)
1st percentile nationally
-3.32%
Return on Equity (ROE)
-10.13%
Efficiency Ratio
122.34%
Income & expense: loss period at Thrivent Bank
$39M
Interest Income
$2M
Non-Interest Income
$77M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Thrivent Bank reports a Texas Ratio of 0.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at Thrivent Bank
Thrivent Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-34,636K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Thrivent Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Utah by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($996M here), outside Utah so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Thrivent Bank (FDIC Cert #59286) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Thrivent Bank Call Report profile · FDIC Failed Bank List · Utah FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |