What is Thumb Bank and Trust's financial health grade?

Thumb Bank and Trust has a TFS Financial Health Grade of B+ (score: 82.0/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Thumb Bank and Trust have?

Thumb Bank and Trust has 14 branch locations across the United States.

Is Thumb Bank and Trust FDIC insured?

Yes, Thumb Bank and Trust is FDIC insured (Certificate #14513).

What are the total assets of Thumb Bank and Trust?

Thumb Bank and Trust has total assets of $675.4M as reported in its most recent FDIC filing.

Thumb Bank and Trust: Safety Grade & Financial Health

BankPigeon, Michigan

WWW.THUMB.BANK

Total Assets

$675.4M

Total Deposits

$607.9M

Branches

Established

1895

Thumb Bank and Trust is a bank headquartered in Pigeon, Michigan, established in 1895. It holds $675.4M in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Thumb Bank and Trust earns a TFS Financial Health Grade of B+ (82.0/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B+

82.0 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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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

Other banks in Michigan

LAKE MICHIGAN

Grand Rapids, MI

$16.0B

MICHIGAN STATE UNIVERSITY

East Lansing, MI

$8.4B

DFCU FINANCIAL

Dearborn, MI

$7.8B

Northpointe Bank

Bank

Grand Rapids, MI

Branch	Address	City	State	Type
Thumb Bank and TrustHQ	7254 Michigan Ave	Pigeon	MI	11
Thumb Bank and Trust	2543 S Sherman Rd	Applegate	MI	11
Thumb Bank and Trust	1 E Huron Ave	Bad Axe	MI	11
Thumb Bank and Trust	2985 Wilder Rd	Bay City	MI	11
Thumb Bank and Trust	4482 Main St	Brown City	MI	11
Thumb Bank and Trust	3992 E Chandler St	Carsonville	MI	11
Thumb Bank and Trust	7100 Main St	Caseville	MI	11
Thumb Bank and Trust	3397 Main St	Deckerville	MI	11
Thumb Bank and Trust	6128 East Cass City Road	Elkland Township	MI	11
Thumb Bank and Trust	185 E Washington	Freeland	MI	11
Thumb Bank and Trust	5536 Main Street	Lexington	MI	11
Thumb Bank and Trust	2592 S Van Dyke Rd	Marlette	MI	11
Thumb Bank and Trust	55 S Ridge St	Port Sanilac	MI	11
Thumb Bank and Trust	520 W Sanilac Rd	Sandusky	MI	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #14513

Primary RegulatorFED

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.