Side-by-side · Q2 2026 data
Thumb Bank and Trust vs Independent Bank
Metric by metric
| Measure | Thumb Bank and Trust | Independent Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 63 |
| Capital cushion | 44 | 47 (stronger) |
| Loan quality | 99 (stronger) | 67 |
| Earnings | 86 (stronger) | 74 |
| Funding & liquidity | 78 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 68th | 30th |
| Total assets | $673.3M | $5.7B |
| Deposits / shares | $595.8M | $4.9B |
| Capital ratio | 9.44% | 9.67% (stronger) |
| Problem loans | 0.03% (stronger) | 0.99% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.65% (stronger) | 1.34% |
| Loans ÷ deposits | 69.5% (stronger) | 88.6% |
| Uninsured deposits | 26.4% | 24.4% (stronger) |
| Offices | 13 | 57 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 17.6% |
Thumb Bank and Trust has the higher TellerScore (77 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 5 and Independent Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bay City, MI
- Bad Axe, MI
- Caseville, MI
- Marlette, MI