Thrivent Financial Bank

2000 E Milestone Drive
Appleton, WI 54919
612-844-8273
www.thrivent.com

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Thrivent Financial Bank is headquartered in Appleton and is the 30^th largest bank in the state of Wisconsin. It is also the 1,152^nd largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 151 employees at 3 locations. Thrivent Financial Bank has a 5-star health rating.

Thrivent Financial Bank Still On Track To Become Credit Union (Forum) - 4/6/2012

From the Credit Union Times Wisconsin’s Thrivent Financial Bank, a $543 million thrift, remains primed to convert to a credit union, perhaps this year, the parent corporation said Wednesday. The Appleton bank, part of a Minneapolis insurance and in

Thrivent Financial Bank Plans To Convert To Credit Union (Forum) - 12/13/2011

Thrivent is still seeking regulator approval. The letter I received said they hope to receive approval in the first half of 2012. Apparently, existing bank customers would become members of the new credit union.

$50 Checking Account Bonus and Free ATM Withdrawals at Thrivent Financial Bank - Available Nationwide - 9/23/2010

Thrivent Financial Bank has increased its bonus to $100 for opening its reward checking account. They call it a reward checking, but there's no high-yield (current rate is only 0.41%). However, it doe ...

$50 Checking Account Bonus and Unlimited Free ATM Withdrawals at Thrivent Financial Bank - Available Nationwide - 6/21/2010

Thrivent Financial Bank continues to offer a $50 bonus for opening its rewards checking account. They call it a reward checking, but there's no high-yield (current rate is only 0.41%). However, it doe ...

2009

12/17 - $50 Checking Account Bonus at Thrivent Financial Bank - Available Nationwide

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See Rates for: Checking | Savings | Money Market | CD

Thrivent Financial Bank Checking Account Rates

	Apy	Min	Max	Product
	0.15%	-	-	Thrivent Rewards Checking Account

Thrivent Financial Bank Savings Account Rates

Apy	Min	Max	Product
0.45%	$2,500	-	Emergency Reserve Savings
0.10%	$50	-	Preferred Savings

Thrivent Financial Bank Money Market Rates

Apy	Min	Max	Product
0.55%	$100k	-	Thrivent Rewards Money Market
0.35%	$100k	-	Preferred Plus Money Market

Thrivent Financial Bank CD Rates

Apy	Min	Max	Product
1.25%	$1k	-	60 Month Standard CD
1.00%	$1k	-	48 Month Standard CD
0.80%	$1k	-	30 Month CD Special
0.70%	$1k	-	36 Month Standard CD
0.70%	$5k	-	14 Month CD Special
0.65%	$5k	-	12 Month Flex CD Special
0.45%	$1k	-	24 Month Standard CD
0.35%	$1k	-	18 Month Standard CD
0.30%	$1k	-	12 Month Standard CD
0.30%	$5k	-	24 Month Flex CD
0.25%	$1k	-	9 Month Standard CD
0.25%	$5k	-	18 Month Flex CD
0.20%	$1k	-	6 Month Standard CD
0.15%	$1k	-	3 Month Standard CD

Rates updated: 5/28/2012

Data for Q1 2012

Institution Statistics

Thrivent Financial Bank
OTS #	15054
FDIC Certificate #	34799
BankRate Report	View
Year Established	1998
Employees	151
Primary Regulator	OCC
Assets and Liabilities
Assets	$586.24 million
Loans	$401.62 million
Deposits	$488.82 million
Equity Capital	$63.70 million
Loan Loss Allowance	$4.80 million
Unbacked Noncurrent Loans	$3.34 million
Real Estate Owned	$1.41 million
Historic Data - March 2011
Assets	$555.29 million
Equity Capital	$60.88 million
Loan Loss Allowance	$4.56 million
Unbacked Noncurrent Loans	$1.05 million
Real Estate Owned	$1.38 million
Profit Margin - Quarterly
Net Interest Margin	3.94%
Return on Assets	0.11%
Return on Equity	0.99%
Interest Income	$6.22 million

Institution Health

Overall Score:

5 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Thrivent Financial Bank had $4.76 million in non-current loans and owned real-estate with $68.5 million in equity and loan loss allowances on hand to cover it. This gives Thrivent Financial Bank a Texas Ratio of 6.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Thrivent Financial Bank held steady from 3.82% as of March 31, 2011 to 6.94% as of March 31, 2012, resulting in a negative change of 81.85%. This indicates that the balance sheet and financial strength for Thrivent Financial Bank has held steady in recent periods.
Deposit Growth
In the past year, Thrivent Financial Bank has increased its total deposits by $43.75 million, resulting in 9.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Thrivent Financial Bank has shown is excellent.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Thrivent Financial Bank has $586.24 million in assets with $68.5 million in equity, resulting in a capitalization level of 11.68%, which is above average.