Spar Und Leihkasse Thayngen AG

What Spar Und Leihkasse Thayngen AG does

Clientis Spar- und Leihkasse Thayngen AG is a regional Swiss retail bank headquartered in Thayngen (Canton of Schaffhausen), founded in 1895 and operating two branches — Thayngen and Merishausen — with 26 employees (19.8 FTE). It is a founding member of the Clientis group, a federation of 14 independent Swiss regional banks that share product platforms, technology infrastructure, regulatory support, and capital market access via a common Moody's rating, while each member retains local governance autonomy. The bank serves private individuals and small/medium enterprises in the Reiat/Durachtal region through a relationship-driven advisory model that combines in-branch consultations with digital onboarding and a new Mobile Banking app.

The product portfolio spans residential and commercial mortgages (fixed-rate, variable, SARON), deposit accounts (private, savings, Euro, youth myMix), payment cards (Debit Mastercard, Visa credit cards, Apple Pay/Google Pay/Samsung Pay/TWINT), investment services (execution-only, advisory mandates, Clientis investment funds), and pension solutions (Privor Pillar 3a, vested benefits accounts, REVOR collective BVG foundation). Underlying technology includes a newly rolled-out unified Digital Banking platform (MAP4) with biometric authentication, push notifications, Open Banking via SIX Group's bLink API, Multi-Banking aggregation across 34+ Swiss banks, and QR-code payment support.

The revenue model is dominated by net interest income from a CHF 677.8M customer loan book funded by CHF 501.9M in customer deposits, supplemented by transaction and advisory fees from accounts, cards, securities, and pension mandates. For 2025 the bank reported a CHF 11.058M result from ordinary banking operations, CHF 4.048M business result, and CHF 2.1M annual profit on CHF 5.8M operating expenses. Capital strength is notable: an equity-to-assets ratio of 11.21% ranked the bank 6th out of 85 Swiss retail banks in 2025. Customer concentration is low (1,022 shareholder-customers, fragmented retail/SME base), and a generational leadership transition was completed in March 2026.

Name

Spar Und Leihkasse Thayngen AG

Legal name

Clientis Spar- und Leihkasse Thayngen AG

Website

https://thayngen.clientis.ch

Company type

Private

Founded year

1895

Operating status

Operating

Short description

Clientis Spar- und Leihkasse Thayngen AG is a 130+ year-old Swiss regional retail bank in Thayngen (Canton of Schaffhausen), offering mortgages, deposits, cards, investments, pensions, and digital banking to private individuals and SMEs in the Reiat/Durachtal region. It is a founding member of the Clientis group of 14 independent regional banks.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Depository Credit Intermediation (5221), Portfolio Management and Investment Advice (523940)

SIC

Mortgage Bankers & Loan Correspondents (6162), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Private Client Custody & Brokerage (Execution, Reporting, Safekeeping) (FSAAABAN)

Keywords

• Retail banking services
• Mortgage lending
• Private banking products
• Pension planning Switzerland
• Digital banking platform

Headquarters

HQ city

Thayngen

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest income: Primary revenue driver from mortgage lending (residential and commercial) and other credit products. Customer loans totaled CHF 677.8 million as of 31.12.2025. Margins generated through fixed-rate, variable-rate, and SARON-based mortgage products.
2. Commission and fee income: Fees from account management, payment transactions, card services (credit/debit cards, Apple Pay, Samsung Pay, Google Pay, TWINT), securities brokerage, investment advisory mandates, and pension account management (Säule 3a).
3. Customer deposits / funding: Customer deposits of CHF 501.9 million (as of 31.12.2025) form the primary funding base for lending operations, with interest paid on savings and deposit accounts.
4. Dividend income from own shares: The bank trades its own shares; dividend income from the bank's equity portfolio is part of revenue. Aktienkapital: CHF 2,000,000 (200,000 shares at CHF 10 nominal). Current purchase price: CHF 315, sale price: CHF 320.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Clientis Spar- und Leihkasse Thayngen AG is a regional Swiss retail bank offering checking and savings accounts, mortgage lending (fixed, variable, SARON), payment cards (Debit Mastercard, Visa/Mastercard credit cards), investment and pension solutions (Säule 3a, vested benefits, REVOR collective foundation), and SME business banking services. The bank delivers these across two physical branches (Thayngen, Merishausen), digital channels (e-Banking, Mobile Banking, online account opening), and a personal advisory model, with mortgage lending (CHF 677.8 million book) as the dominant revenue driver.

Product overview

Spar Und Leihkasse Thayngen AG is a regional Swiss retail bank and member of the Clientis group, offering a comprehensive banking platform for private and business customers. The core portfolio spans mortgage products (fixed-rate, variable-rate, SARON money market, construction loans), deposit accounts (private accounts, savings, youth myMix accounts, Euro accounts), payment cards (Debit Mastercard, credit cards), investment services (advisory, execution-only, wealth management), and pension solutions (Pillar 3a Privor accounts, vested benefits, REVOR collective foundation). Digital capabilities include e-Banking, Mobile Banking with a new unified platform, Multibanking for viewing external bank accounts, and Open Banking via SIX's bLink API for accounting software integration. The myMix sub-brand targets young customers with modular, customizable banking packages.

Differentiator

Problem solved

Functional benefit

Brands

• myMix: Youth banking offering for customers up to 25 years old, with customizable banking services including accounts, cards, savings, and investment products. Also available for students with Legi up to 30 years.
• Privor
• Clientis Fondsinvest
• Clientis Fonds Growth

Products and services

• Digital Banking (e-Banking & Mobile Banking) Unified digital banking platform enabling customers to manage accounts, payments, investments, and cards online and via mobile app. Includes a new Mobile Banking App that works independently of e-Banking, with biometric authentication and multi-banking aggregation.
• Hypotheken (Mortgages) Comprehensive mortgage offerings including fixed-rate, variable-rate, SARON money market, and construction/renovation loans for residential and commercial properties. Primary revenue driver with CHF 677.8 million in customer loans outstanding.
• Konten (Accounts) Full range of banking accounts including private accounts (Privatkonto), savings accounts (Sparkonto), Euro accounts, rental deposit accounts, and business current accounts (Kontokorrent). Available with online account opening via video-call identification.
• Debit Mastercard Debit card enabling worldwide online, mobile, and contactless payments, replacing the previous Maestro card. Supports Apple Pay, Samsung Pay, Google Pay, and TWINT.
• Kreditkarten (Credit Cards) Credit card offerings for private and business customers including Visa Silver, Visa Gold, Mastercard Silver, and Mastercard Gold, with worldwide acceptance and mobile wallet support.
• myMix (Youth Banking) Modular banking service for young people up to age 25 (or 30 for students with student ID). Allows customers to customize their banking package with only the services they need, combining payment account, savings, cards, and investment modules.
• Anlegen (Investment) Investment services including execution-only trading, advisory mandates, and wealth management. Offers Clientis investment funds (Clientis Fondsinvest, Clientis Fonds Growth) and securities trading.
• Vorsorgen (Pension / Privor) Pension and retirement planning solutions including Pillar 3a accounts (Privor Vorsorgekonto), Privor Wertschriftenlösung (Securities solution for pillar 3a), Privor Freizügigkeitskonto (vested benefits account), and REVOR Sammelstiftung for occupational pensions (BVG).
• Kredite (Loans) Personal and business lending products including secured loans (Lombard), installment credit insurance, operating credits, and investment loans for SMEs (Bundeskredite, Investitionskredite).
• QR-Rechnung Support Swiss QR-bill payment standard replacing traditional payment slips, with QR-code scanning supported in e-Banking and Mobile Banking for efficient invoice payment processing.

Quantifiable outcome

• Ranked 6th out of 85 Swiss retail banks by equity-to-assets ratio (11.21%) in 2025
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Clientis GruppecoreStrategic or Co-development PartnerThe bank is a founding member (since 2003) of the Clientis group, a network of 14 independent Swiss regional banks sharing a common umbrella brand. The group provides shared product platforms, technology infrastructure, regulatory compliance support, capital market access (via Moody's rating), and marketing synergies, while each member bank retains full independence and local governance.
• SIX Group / bLinkcoreTechnology or IntegrationOpen Banking integration via SIX Group's bLink platform, providing standardized API access for account information services and payment submission. Enables connection of the bank's accounts to third-party financial software and aggregation of external bank accounts within the bank's digital banking interface.
• Beobachter-Edition / BeobachterminorStrategic or Co-development PartnerContent collaboration for the 'Bequem ins Eigenheim' (Comfortably into your own home) mortgage guide, developed with the expert ratgeber team of Beobachter-Edition. Provides consumer guidance on homeownership topics.
• REVOR SammelstiftungcoreStrategic or Co-development PartnerREVOR Sammelstiftung (collective foundation) of the regional banks handles occupational pension (BVG) for the bank's business (KMU) customers. The bank offers this as its primary corporate pension solution for companies that do not want to run their own pension fund.
• KV SchaffhausenminorOthersVocational school partner for the bank's commercial apprenticeship (kaufmännische Lehre) program. Apprentices attend KV Schaffhausen two days per week and CYP Zurich once per month.

Scale indicators14 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Schaffhauser Kantonalbank: Direct cantonal competitor in the same geography (Canton of Schaffhausen), offering mirror-image retail, mortgage, and SME banking services. Most direct peer for deposit and mortgage competition in the bank's core catchment area.
• Hypothekarbank Lenzburg AG: Independent Swiss regional bank with comparable scale and similar mortgage-led retail and SME banking model. Closely comparable on business mix, capital strength philosophy, and independent ownership.
• Valiant Bank AG: Swiss regional bank with comparable retail and SME banking franchise across multiple cantons. Similar reliance on mortgage lending and relationship-driven advisory model serving smaller Swiss communities.
• Bank Cler AG: Swiss retail and SME bank with comparable product breadth (accounts, mortgages, investment, pension) and similar mid-size positioning. Both compete for relationship-driven retail and SME customers in Switzerland.
• Glarner Kantonalbank: Small Swiss cantonal bank of comparable scale, focused on retail and SME banking in a similarly-sized geographic region. Comparable on balance sheet size, capital positioning, and product mix.
• Thurgauer Kantonalbank: Mid-sized Swiss cantonal bank with similar retail, mortgage, and SME banking focus. Comparable on customer segments served, advisory-led model, and regulatory positioning as a Swiss cantonal bank.
• Banque Cantonale du Jura: Small Swiss cantonal bank of similar scale, focused on retail and business banking in a small geographic market. Comparable on size, capital structure, and core retail/mortgage product mix.
• Bank EKI AG: Independent Swiss regional bank serving SMEs and retail customers with comparable mortgage and advisory product mix. Comparable on independent ownership, small scale, and regional focus.

Broad incumbents

• Raiffeisen Schweiz Genossenschaft: Switzerland's largest cooperative banking group with a structurally similar federated model of 200+ independent regional banks. Comparable on cooperative client-shareholder structure and local-empowered franchise, though materially larger and more diversified.
• PostFinance AG: Switzerland's largest retail finance provider, offering accounts, payments, mortgages, and investment at national scale. Competes for the same retail and SME deposits and payments in the bank's catchment, with materially deeper product breadth and brand recognition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Clientis-MyMix-108380144874842
• Instagraminstagram.com/clientis_mymix

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Spar Und Leihkasse Thayngen AG