Thumb Bank & Trust
Pigeon, MI · Cert 14513 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 58 of 746).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 725 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.66%
Rank 120 of 746
Net Interest Margin
4.29%
Rank 148 of 746
Efficiency Ratio
57.26%
Rank 219 of 746
Equity / Assets
9.53%
Rank 491 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.72% | 1.06% | 1.45% | Beats 84% | 120 / 746 | | |
| Return on Equity | 17.46% | 6.74% | 10.51% | 13.63% | Beats 92% | 58 / 746 | | |
| Net Interest Margin | 4.29% | 3.17% | 3.68% | 4.16% | Beats 80% | 148 / 746 | | |
| Efficiency Ratio | 57.26% | 55.74% | 64.58% | 75.47% | Beats 71% | 219 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.09% | 0.42% | 1.07% | Beats 80% | 147 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 75% | 188 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 9.44% | 11.55% | 13.75% | 17.60% | Beats 3% | 725 / 746 | | |
| Total Risk-Based Capital Ratio | 9.44% | 11.71% | 14.33% | 18.43% | Beats 3% | 725 / 746 | | |
| Equity / Assets | 9.53% | 8.90% | 10.51% | 13.06% | Beats 34% | 491 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 70.26% | 61.31% | 78.27% | 90.78% | 36th pctl | 479 / 746 | | |
| Loans / Assets | 62.17% | 53.60% | 66.97% | 76.08% | 40th pctl | 449 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |