This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Gladstone, MI
Health score
90.5
Total assets
$629.5M
Bank
Pigeon, MI
Health score
82.1
Total assets
$673.3M
Answer first
First Bank, Upper Michigan leads on financial health and capitalization and profitability; Thumb Bank and Trust leads on lending quality and growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
First Bank, Upper Michigan
Higher TFS health score
Capitalization
First Bank, Upper Michigan
Higher comparable capital ratio
Profitability
First Bank, Upper Michigan
Higher return on assets
Lending quality
Thumb Bank and Trust
Lower problem-loan measure
Growth
Thumb Bank and Trust
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | First Bank, Upper Michigan | Thumb Bank and Trust |
|---|---|---|
| TFS health score | 90.5/100Leads | 82.1/100 |
| Total assets | $629.5M | $673.3M |
| Total deposits / shares | $528.3M | $595.8M |
| Tier 1 capital ratio | 12.68%Leads | 9.44% |
| Return on assets | 2.03%Leads | 1.65% |
| Return on equity | 15.50% | 17.36% |
First Bank, Upper Michigan
9 branches
Thumb Bank and Trust
14 branches
Both institutions report branches in 1 state: MI.
First Bank, Upper Michigan
Unavailable
Thumb Bank and Trust
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
First Bank, Upper Michigan
0 in TFS registry
Thumb Bank and Trust
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | First Bank, Upper Michigan score | First Bank, Upper Michigan ROA | Thumb Bank and Trust score | Thumb Bank and Trust ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.44% | — | 1.09% |
| 2024-Q4 | — | 1.53% | — | 1.20% |
| 2025-Q1 | — | 1.67% | — | 1.41% |
| 2025-Q2 | — | 1.73% | — | 1.43% |
| 2025-Q3 | — | 1.81% | — | 1.47% |
| 2025-Q4 | — | 1.89% | — | 1.45% |
| 2026-Q1 | 92.5/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 0.63% | 0.03%Leads |
| Net charge-offs | 0.08% | 0.00%Leads |
| Efficiency ratio | 58.55% | 54.31%Leads |
| Loan-to-deposit ratio | 84.43% | 69.51% |
| Asset growth (YoY) | 1.68% | 3.39%Leads |
| Deposit / share growth (YoY) | 2.04%Leads | 1.37% |
| Branches | 9 | 14 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.95% |
| 82.9/100 |
| 1.63% |
| 2026-Q2 | 90.5/100 | 2.03% | 82.1/100 | 1.65% |