Thumb Bank & Trust
Pigeon, MI · Cert 14513 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Thumb Bcorp Employee STK Ownership Plan
State charter, Fed member · FED · 13 branches
Q2 2026
$673.3MAssets
$418.6MLoans
$595.8MDeposits
$64.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 92% of banks under $1B in assets operating in a single state (rank 57 of 752).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 730 of 752).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.66%
Rank 123 of 752
Net Interest Margin
4.29%
Rank 157 of 752
Efficiency Ratio
57.26%
Rank 218 of 752
Equity / Assets
9.53%
Rank 504 of 752
Non-interest income vs. expense
Unfavorable gap of $14.9M · efficiency ratio beats 71% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.72% | 1.07% | 1.45% | Beats 84% | 123 / 752 | |
| Return on Equity | 17.46% | 6.78% | 10.58% | 13.65% | Beats 92% | 57 / 752 | |
| Net Interest Margin | 4.29% | 3.18% | 3.69% | 4.17% | Beats 79% | 157 / 752 | |
| Efficiency Ratio | 57.26% | 55.75% | 64.49% | 75.47% | Beats 71% | 218 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.03% | Beats 81% | 145 / 748 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 76% | 186 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 9.44% | 11.55% | 13.75% | 17.60% | Beats 3% | 730 / 752 | |
| Total Risk-Based Capital Ratio | 9.44% | 11.70% | 14.33% | 18.47% | Beats 3% | 730 / 752 | |
| Equity / Assets | 9.53% | 8.93% | 10.56% | 13.13% | Beats 33% | 504 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 70.26% | 62.23% | 78.64% | 91.26% | 34th pctl | 493 / 752 | |
| Loans / Assets | 62.17% | 54.61% | 67.41% | 76.47% | 39th pctl | 461 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |