Side-by-side · Q2 2026 data
Thumb Bank and Trust vs First National Bank of Michigan
Metric by metric
| Measure | Thumb Bank and Trust | First National Bank of Michigan |
|---|---|---|
| TellerScore | 77 (stronger) | 60 |
| Capital cushion | 44 | 45 (stronger) |
| Loan quality | 99 (stronger) | 73 |
| Earnings | 86 (stronger) | 59 |
| Funding & liquidity | 78 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 68th | 19th |
| Total assets | $673.3M | $988.9M |
| Deposits / shares | $595.8M | $807.2M |
| Capital ratio | 9.44% | 9.54% (stronger) |
| Problem loans | 0.03% (stronger) | 0.80% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.65% (stronger) | 0.98% |
| Loans ÷ deposits | 69.5% (stronger) | 100.9% |
| Uninsured deposits | 26.4% | 23.2% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Thumb Bank and Trust has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 4 and First National Bank of Michigan on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.