Thumb Bank & Trust
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
$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 755).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets operating in a single state (rank 733 of 755).
- Overall: at or above the peer median on 6 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $14.9M · efficiency ratio beats 72% 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 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 |