THUMB BANK & TRUST

PIGEON, MI | Medium | Est. Jan. 1, 1895, midnight | FDIC #14513 | RSSD #698649 | FED
Latest Report: 2025-12-31

THUMB BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in PIGEON, MI, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $675M and total deposits of $608M. Profitability stands at 1.41% ROA and 14.68% ROE, with a net interest margin of 4.50%. The bank's CET1 capital ratio is 13.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.18%. FDIC Certificate #14513.

Assets

$675M

Deposits

$608M

Loans

$385M

Equity

$65M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 14.68%
Net Interest Margin (NIM) 4.50%
Yield on Assets 5.52%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.18%
NPA Ratio 0.02%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 13.86%
Tier 1 Capital 13.86%
Total Capital Ratio 14.74%
Leverage Ratio 9.53%
Loan-to-Deposit 63.31%

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