Side-by-side · Q2 2026 data
Thumb Bank and Trust vs Northstar Bank
Metric by metric
| Measure | Thumb Bank and Trust | Northstar Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 59 |
| Capital cushion | 44 (stronger) | 41 |
| Loan quality | 99 (stronger) | 73 |
| Earnings | 86 (stronger) | 72 |
| Funding & liquidity | 78 (stronger) | 44 |
| Problem-loan coverage | 100 (stronger) | 77 |
| Peer percentile | 68th | 19th |
| Total assets | $673.3M | $1.2B |
| Deposits / shares | $595.8M | $973.6M |
| Capital ratio | 9.44% (stronger) | 9.11% |
| Problem loans | 0.03% (stronger) | 0.80% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 1.65% (stronger) | 1.30% |
| Loans ÷ deposits | 69.5% (stronger) | 101.0% |
| Uninsured deposits | 26.4% (stronger) | 28.4% |
| Offices | 13 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | 2.2% |
Thumb Bank and Trust has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Thumb Bank and Trust leads on 6 and Northstar Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Bad Axe, MI
- Pigeon, MI