Total Assets
$16M
Total balance-sheet footings
FDIC Cert #34799 · Appleton, Wisconsin · Est. 1998
Thrivent Trust Company - FDIC Bank Health Profile
A community-scale look at Thrivent Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $16M
- Total assets
- A
- Health grade · Excellent
- 6.08%
- Return on assets
- 79.0%
- Tier 1 capital
Data updated July 2026
The verdict
Thrivent Trust Company earns a PlainBankData health grade of A (85/100), with well-capitalized at 78.98% Tier 1, profitable at 6.08% ROA, 88% efficiency ratio.
- #4,292
- largest of 4,313 FDIC banks by assets
- 0th
- percentile by asset size, nationally
- 78.98%
- Tier 1 ratio - above the 10% well-capitalized line
- 99th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Thrivent Trust Company's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Thrivent Trust Company's composite health score
Tier 1 Capital Ratio (78.98%) 40/40
Return on Assets (ROA) (6.08%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (87.71%) 0/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2M
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$916K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Thrivent Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Thrivent Trust Company's score of 85/100 falls in the highlighted band.
Thrivent Trust Company'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 Trust Company's $16M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
78.98% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
78.98%
Texas Ratio
0.00%
Equity Capital
$12M
Profitability metrics
Return on Assets (ROA)
99th percentile nationally
6.08%
Return on Equity (ROE)
7.71%
Efficiency Ratio
87.71%
What the numbers say about Thrivent Trust Company
Thrivent Trust Company is an FDIC-insured institution (Certificate #34799) headquartered in Appleton, Wisconsin, established in 1998. It holds $16M in total assets - 4,292nd of 4,313 FDIC-insured banks, $2M in customer deposits, and - in net loans. Capital-wise, the Tier 1 ratio sits at 78.98%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (85 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Thrivent Trust Company is a community-scale institution -- 155th of 155 FDIC-insured banks headquartered in Wisconsin by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$484K
Interest Income
$9M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Thrivent Trust Company reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Thrivent Trust Company (FDIC Cert #34799) - 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.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Thrivent Trust Company's health grade?▼
Thrivent Trust Company receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Thrivent Trust Company?▼
Thrivent Trust Company holds $16M in total assets and $2M in deposits, ranking 4,292nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Appleton, Wisconsin.
Is my money safe at Thrivent Trust Company?▼
Yes, deposits at Thrivent Trust Company (Certificate #34799) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Thrivent Trust Company's Tier 1 Capital Ratio?▼
Thrivent Trust Company has a Tier 1 Capital Ratio of 78.98%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Thrivent Trust Company?▼
Thrivent Trust Company has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Thrivent Trust Company?▼
Thrivent Trust Company has an Efficiency Ratio of 87.71%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Thrivent Trust Company's profile as a depositor or analyst.
- Thrivent Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Thrivent Trust Company against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.