Advertisement
Thumb Bank And Trust
Pigeon, MI · FDIC Certificate #14513 · Chartered 01/0
Total assets
$673.29M
Total deposits
$595.81M
Total equity
$64.16M
Net loans
$414.17M
Branches (offices)
13
Net income (YTD)
$5.60M
Rank: #1,412 of 4,213 U.S. banks by assets · #23 of 72 in Michigan. Assets changed 3.4% and deposits 1.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 17.36% |
| Net interest margin (YTD) | 4.65% |
| Equity to assets | 9.53% |
| Tier 1 leverage ratio | 9.44% |
| Uninsured deposits (share of deposits) | 26.4% |
| Noncurrent loans (share of loans) | 0.03% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 69.5% |
| Real estate loans (share of loans) | 75.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $313.55M | 75.7% | |
| Commercial & industrial | $32.73M | 7.9% | |
| Consumer / individual | $13.92M | 3.4% | |
| Construction & development | $32.50M | 7.8% | |
| Agricultural | $42.87M | 10.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $382.96M | $362.75M | $2.60M | $18.94M |
| Jun 2023 | $578.15M | $496.41M | $2.81M | $52.50M |
| Jun 2024 | $606.92M | $549.24M | $3.31M | $55.34M |
| Jun 2025 | $651.22M | $587.76M | $4.70M | $60.26M |
| Jun 2026 | $673.29M | $595.81M | $5.60M | $64.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $595.81M | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $595.81M.
Similar-sized banks
New Tripoli Bank ($673.98M) · The Bank Of Southside Virginia ($670.32M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement