Side-by-side · Q2 2026 data
Tri-County Bank vs Thumb Bank and Trust
Metric by metric
| Measure | Tri-County Bank | Thumb Bank and Trust |
|---|---|---|
| TellerScore | 78 (stronger) | 77 |
| Capital cushion | 86 (stronger) | 44 |
| Loan quality | 57 | 99 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 63 | 78 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 72nd | 68th |
| Total assets | $638.6M | $673.3M |
| Deposits / shares | $545.6M | $595.8M |
| Capital ratio | 13.56% (stronger) | 9.44% |
| Problem loans | 1.30% | 0.03% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 2.31% (stronger) | 1.65% |
| Loans ÷ deposits | 93.3% | 69.5% (stronger) |
| Uninsured deposits | 18.7% (stronger) | 26.4% |
| Offices | 10 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | 18.3% |
Tri-County Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Tri-County Bank leads on 5 and Thumb Bank and Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Brown City, MI
- Marlette, MI