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Thrivent Bank, Performance and Condition Ratios
| 2025-06-30 | Rank | |
| Percentage of unprofitable institutions | 100.0000% | 35 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1130% | 4,390 |
| Cost of funding earning assets | 0.1903% | 4,323 |
| Net interest margin | 0.9227% | 4,376 |
| Noninterest income to average assets | 0.0500% | 4,273 |
| Noninterest expense to average assets | 9.0628% | 119 |
| Loan and lease loss provision to assets | 0.5900% | 177 |
| Net operating income to assets | -6.3668% | 4,400 |
| Return on assets (ROA) | -6.3668% | 4,438 |
| Pretax return on assets | -8.7215% | 4,443 |
| Return on Equity (ROE) | -20.3000% | 4,389 |
| Retained earnings to average equity (ytd only) | -20.3003% | 4,401 |
| Net charge-offs to loans | 0.0458% | 1,430 |
| Credit loss provision to net charge-offs | 2,440.9449% | 238 |
| Earnings coverage of net charge-offs (x) | -348.4488% | 4,448 |
| Efficiency ratio | 307.1881% | 14 |
| Assets per employee ($millions) | 7.3515% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5362% | 4,158 |
| Loan loss allowance to noncurrent loans | 235.4992% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 2,976 |
| Noncurrent loans to loans | 0.2277% | 2,704 |
| Net loans and leases to total assets | 50.6700% | 3,561 |
| Net loans and leases to deposits | 85.9530% | 1,617 |
| Net loans and leases to core deposits | 88.7009% | 2,262 |
| Total domestic deposits to total assets | 58.9500% | 4,268 |
| Equity capital to assets | 31.3629% | 115 |
| Core capital (leverage) ratio | 27.0936% | 143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4099% | 106 |
| Memoranda: | ||
| Average total assets | $1,088,025,000 | 947 |
| Average earning assets | $1,031,965,000 | 921 |
| Average equity | $341,236,000 | 397 |
| Average total loans | $554,298,000 | 1,227 |