Side-by-side · Q2 2026 data
Eastern Michigan Bank vs Thumb Bank and Trust
Metric by metric
| Measure | Eastern Michigan Bank | Thumb Bank and Trust |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 70 (stronger) | 44 |
| Loan quality | 79 | 99 (stronger) |
| Earnings | 77 | 86 (stronger) |
| Funding & liquidity | 84 (stronger) | 78 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 75th | 68th |
| Total assets | $553.6M | $673.3M |
| Deposits / shares | $453.7M | $595.8M |
| Capital ratio | 11.99% (stronger) | 9.44% |
| Problem loans | 0.63% | 0.03% (stronger) |
| Net charge-offs | -0.07% (stronger) | 0.00% |
| Return on assets | 1.42% | 1.65% (stronger) |
| Loans ÷ deposits | 42.3% (stronger) | 69.5% |
| Uninsured deposits | 29.8% | 26.4% (stronger) |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.0% | 18.3% |
Eastern Michigan Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Eastern Michigan Bank leads on 4 and Thumb Bank and Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Deckerville, MI
- Lexington, MI
- Sandusky, MI