Thumb Bank and Trust

BankPigeon, Michigan
WWW.THUMB.BANK

Total Assets

$675.4M

Total Deposits

$607.9M

Branches

14

Established

1895

TFS Health Grade

$
C

74.6 / 100

Average financial health

How we grade

Thumb Bank and Trust is a bank headquartered in Pigeon, Michigan, established in 1895. With $675.4M in total assets and 14 branch locations, it has a TFS Financial Health Grade of C (74.6/100).

Capital & Safety

Tier 1 Capital Ratio
9.53%(8%)
Total Capital Ratio
14.74%(10%)
Non-Performing Loan Ratio
0.03%

Profitability

Return on Assets (ROA)
1.45%(1%)
Return on Equity (ROE)
15.76%(10%)
Net Interest Margin
4.47%
Efficiency Ratio
56.88%(60%)

Lending & Liquidity

Total Loans
$384.8M
Loan-to-Deposit Ratio
62.62%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+1.18%
Deposit Growth (YoY)
-0.18%
Net Income
$9.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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