TellerScore

Headquartered in Pigeon, Michigan, Thumb Bank and Trust is a state-chartered bank (fed member) with $673.3M in total assets and $595.8M in deposits as of Q2 2026. It operates 13 offices. Its charter dates back to 1895.

Based on its Q2 2026 filing, Thumb Bank and Trust scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 72 banks headquartered in Michigan, it ranks 14th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is capital cushion (44/100; 9.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion44/100
Tier 1 leverage ratio: 9.44%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.03%
Earnings86/100
Return on assets (annualized): 1.65%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 69.5% · 26.4% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.16%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
727577Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202473
Q4 202472
Q1 202576
Q2 202576
Q3 202577
Q4 202577
Q1 202677
Q2 202677
Tier 1 leverage ratio
5.00%7.26%9.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.41%
Q4 20248.73%
Q1 20259.22%
Q2 20259.29%
Q3 20259.40%
Q4 20259.53%
Q1 20269.18%
Q2 20269.44%
Noncurrent loans
0.03%0.04%0.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.05%
Q4 20240.05%
Q1 20250.05%
Q2 20250.04%
Q3 20250.04%
Q4 20250.03%
Q1 20260.03%
Q2 20260.03%
Return on assets
1.08%1.36%1.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.09%
Q4 20241.20%
Q1 20251.41%
Q2 20251.43%
Q3 20251.47%
Q4 20251.45%
Q1 20261.63%
Q2 20261.65%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$673.3M9.44%0.03%1.65%69.5%
Q1 202677$692.0M9.18%0.03%1.63%60.3%
Q4 202577$675.4M9.53%0.03%1.45%62.6%
Q3 202577$663.0M9.40%0.04%1.47%60.5%
Q2 202576$651.2M9.29%0.04%1.43%60.8%
Q1 202576$659.1M9.22%0.05%1.41%59.3%
Q4 202472$667.5M8.73%0.05%1.20%56.3%
Q3 202473$601.4M9.41%0.05%1.09%61.4%
Q2 202473$606.9M9.21%0.05%1.08%58.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.44%
20th
Total risk-based capital0.00%
24th
Problem loans0.03%
82nd
Net charge-offs0.00%
68th
Return on assets1.65%
73rd
Net interest margin4.65%
84th
Efficiency ratio54.3%
74th
Loans to deposits69.5%
70th
Uninsured deposits26.4%
40th
Loan-loss reserves1.06%
33rd
Texas ratio0.2%
84th

Similar-size banks in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Tri-County BankBank Brown City, MI78 out of 100, Strong$638.6M13.6%1.30%vs
First Bank, Upper MichiganBank Gladstone, MI81 out of 100, Strong$629.5M12.7%0.63%vs
Range BankBank Marquette, MI80 out of 100, Strong$604.1M10.8%0.03%vs
Highpoint Community BankBank Hastings, MI66 out of 100, Moderate$592.4M8.5%0.04%vs
Citizens State BankBank Royal Oak, MI70 out of 100, Strong$581.0M8.6%0.18%vs
Eastern Michigan BankBank Croswell, MI79 out of 100, Strong$553.6M12.0%0.63%vs

Deposit insurance

Is my money safe at Thumb Bank and Trust?

Yes. Thumb Bank and Trust is an FDIC-insured institution (FDIC certificate #14513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.4% of deposits ($157.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.44%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

13 locations

Branches

Thumb Bank and Trust lists 13 offices in 13 cities. Most locations:

  • Bad Axe, MI (1)
  • Bay City, MI (1)
  • Brown City, MI (1)
  • Carsonville, MI (1)
  • Caseville, MI (1)
  • Deckerville, MI (1)
  • Elkland Township, MI (1)
  • Freeland, MI (1)
  • Lexington, MI (1)
  • Marlette, MI (1)
  • Pigeon, MI (1)
  • Port Sanilac, MI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Thumb Bank and Trust reported 164 home-loan applications under HMDA (LEI 549300EJVZTLWGR61E96): 128 originated ($30,290,000 total), 30 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Thumb Bank and Trust
Former names
Thumb National Bank and Trust Company
Type
State-chartered bank (Fed member)
FDIC certificate #
14513
RSSD ID
698649
Primary regulator
FED
Holding company
Thumb Bcorp Employee Stk Ownership Plan
Established
January 1, 1895
Headquarters
7254 Michigan Ave, Pigeon, MI 48755
Employees
107

Quick answers

Thumb Bank and Trust: common questions

Is Thumb Bank and Trust FDIC insured?

Yes. Thumb Bank and Trust is an FDIC-insured institution (FDIC certificate #14513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Thumb Bank and Trust's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Thumb Bank and Trust ever failed?

There is no failure record for FDIC certificate #14513 in the FDIC failed bank list.

How many branches does Thumb Bank and Trust have?

13 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Pigeon

InstitutionScoreAssetsCapitalProblem loansCompare
The Port Austin State BankBank Port Austin, MI95 out of 100, Very strong$67.8M18.4%0.00%vs
Tri-County BankBank Brown City, MI78 out of 100, Strong$638.6M13.6%1.30%vs
Bay Port State BankBank Bay Port, MI71 out of 100, Strong$153.4M10.9%0.65%vs
Team One Credit UnionCredit union Saginaw, MI66 out of 100, Moderate$765.9M9.9%0.64%vs
Frankenmuth Credit UnionCredit union Frankenmuth, MI64 out of 100, Moderate$1.6B10.3%1.19%vs
Independent BankBank Grand Rapids, MI63 out of 100, Moderate$5.7B9.7%0.99%vs