Pigeon, MI · Cert 14513 · Thumb Bcorp Employee STK Ownership Plan
State charter, Fed member · FED · 13 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
13
Asset Quality
78
Profitability
85
Liquidity
73
Efficiency
72
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Pigeon, MI · Cert 14513 · Thumb Bcorp Employee STK Ownership Plan
State charter, Fed member · FED · 13 branches
Q2 2026
Market Position · Bay City, MI · 2026 SOD (annual) · 6.5% share · #4 of 7 inst. · $0.1B of $1.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.20% | 1.41% | 1.43% | 1.47% | 1.45% | 1.63% | 1.65% | +22 bps | |
| Return on Equity | 11.90% | 13.30% | 16.06% | 15.98% | 16.13% | 15.76% | 17.25% | 17.36% | +139 bps | |
| Net Interest Margin | 3.40% | 3.28% | 4.07% | 4.05% | 4.10% | 4.08% | 4.18% | 4.29% | +24 bps | |
| Efficiency Ratio | 61.94% | 61.42% | 56.75% | 56.14% | 56.29% | 56.88% | 54.11% | 54.31% | -183 bps | |
| Non-Interest Burden | 2.03% | 1.89% | 2.22% | 2.19% | 2.21% | 2.23% | 2.11% | 2.17% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.39% | 9.42% | 6.79% | 7.30% | 10.24% | 1.18% | 4.99% | 3.39% | -391 bps | |
| Loan Growth (YoY) | 4.94% | 6.91% | 13.58% | 11.36% | 8.90% | 10.96% | 6.21% | 15.84% | +448 bps | |
| Deposit Growth (YoY) | 4.88% | 11.90% | 6.36% | 7.01% | 10.45% | -0.18% | 4.57% | 1.37% | -564 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.05% | 0.05% | 0.05% | 0.04% | 0.04% | 0.03% | 0.03% | 0.03% | -1 bps | |
| Net Charge-Offs / Loans | -0.13% | -0.09% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.21% | 1.17% | 1.14% | 1.15% | 1.14% | 1.10% | 1.14% | 1.06% | -10 bps | |
| Allowance Coverage of NPLs | 24.8x | 23.5x | 25.1x | 28.9x | 30.2x | 34.0x | 36.3x | 39.5x | +10.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.41% | 8.73% | 9.22% | 9.29% | 9.40% | 9.53% | 9.18% | 9.44% | +16 bps | |
| Total Risk-Based Capital | 15.29% | 14.33% | 14.76% | 14.79% | 14.98% | 14.74% | 14.72% | 9.44% | -534 bps | |
| Equity / Assets | 9.87% | 8.47% | 9.06% | 9.25% | 9.58% | 9.65% | 9.28% | 9.53% | +28 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 62.10% | 56.95% | 60.01% | 61.48% | 61.23% | 63.31% | 60.96% | 70.26% | +878 bps | |
| Liquid Assets / Assets | 8.36% | 11.95% | 11.71% | 10.57% | 12.65% | 11.31% | 13.24% | 6.12% | -446 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 196.00% | 201% | 221% | n/a | n/a | |
Pigeon, MI · Cert 14513 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Thumb Bcorp Employee STK Ownership Plan
State charter, Fed member · FED · 13 branches
Q2 2026
Return on Assets
1.66%
Rank 125 of 755
Net Interest Margin
4.29%
Rank 153 of 755
Efficiency Ratio
57.26%
Rank 216 of 755
Equity / Assets
9.53%
Rank 506 of 755
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.66% | 0.72% | 1.06% | 1.45% | Beats 83% | 125 / 755 | ||
| Return on Equity | 17.46% | 6.66% | 10.44% | 13.61% | Beats 92% | 58 / 755 | ||
| Net Interest Margin | 4.29% | 3.15% | 3.68% | 4.17% | Beats 80% | 153 / 755 | ||
| Efficiency Ratio | 57.26% | 55.75% | 64.78% | 75.61% | Beats 72% | 216 / 755 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.05% | Beats 81% | 147 / 751 | ||
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 187 / 751 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.44% | 11.56% | 13.81% | 17.74% | Beats 3% | 733 / 755 | ||
| Total Risk-Based Capital Ratio | 9.44% | 11.72% | 14.46% | 18.53% | Beats 3% | 733 / 755 | ||
| Equity / Assets | 9.53% | 8.93% | 10.56% | 13.13% | Beats 33% | 506 / 755 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.26% | 62.43% | 78.62% | 91.00% | 34th pctl | 498 / 755 | ||
| Loans / Assets | 62.17% | 54.70% | 67.27% | 76.55% | 39th pctl | 463 / 755 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||