Thumb Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Thumb Bank & Trust is an FDIC-insured commercial bank headquartered in Pigeon, MI, established in 1895 (FDIC certificate 14513), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $673.3M, up 3.4% from Q2 2025, the 23rd largest of 72 banks headquartered in Michigan. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.44% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14513
- Headquarters
- Pigeon, MI
- Established
- 1895
- Total assets, Q2 2026
- $673.3M
- Assets vs Q2 2025
- +3.4%
- Tier 1 leverage ratio, Q2 2026
- 9.44%
- Domestic offices
- 13 FDIC institution directory, current count
- Routing number
- 072407929
- Latest call report
- Q2 2026, FFIEC 051 · Thumb Bank & Trust call report
- Holding company
- THUMB BANCORP, INC.
- Asset rank in state
- 23rd of 72 in Michigan
Thumb Bank & Trust, based in Pigeon, Michigan, reported $673 million in assets at June 30, 2026, up 3.4% from a year earlier. It pays an average of 1.00% on its deposits and borrowings, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 15.8% over the year, about triple the median of 5.5% for banks its size.
Loans are outrunning deposits: over the year loans rose 15.8% and deposits rose 1.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $18 million equal 28% of Tier 1 capital, down from 34% a year earlier. Where it has less room is capital: it funds 9.44% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Thumb Bank & Trust reported a return on assets of 1.64%, a nonperforming-loan ratio of 0.03% and a Texas ratio of 0.20%. The figures come from its call report filed with the FFIEC.
Thumb Bank & Trust ranks as the 23rd largest of the 72 banks based in Michigan, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.7% to $673.3M, loans rose 10.0% and deposits fell 4.5%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 23.1% of total loans, followed by non-owner-occupied commercial real estate loans at 14.3%. The FDIC Summary of Deposits lists 13 offices for it, in 13 cities in MI; its Pigeon office books 23% of its branch deposits. Judged on its Q2 2026 call report, Thumb Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 7254 Michigan Ave, Pigeon, MI 48755
- County
- Huron
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Former names
- Thumb Bank and Trust (2017)
- Domestic offices
- 13 FDIC institution directory, current count
- Employees (FTE)
- 107
- Domestic deposits
- $595.8M
- Allowance for credit losses
- $4.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $684.9M
- Average total loans
- $402.1M
- Average interest-bearing deposits
- $422.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 14, 1934
- FDIC Cert
- 14513
- Fed RSSD
- 698649
- Website
- WWW.THUMB.BANK →
- Parent Holding Company
- THUMB BANCORP, INC. (RSSD 2351939)
- Ultimate Parent
- RSSD 2972530
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Thumb Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Thumb Bank & Trust's total assets ran between $587.4M (Q3 2023) and $692.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$673.3M total assets against $651.2M; $609.1M total liabilities against $591.0M.
$414.2M net loans and leases against $357.2M; $595.8M total deposits against $587.8M.
$192.7M securities against $196.1M; $16.7M cash and balances due against $50.2M.
$8.8M total interest income against $8.3M; $1.5M total interest expense against $1.7M.
$7.3M net interest income against $6.6M.
$1.0M total noninterest income against $868K; $4.8M total noninterest expense against $4.4M.
$105K provision for credit losses against $100K.
$2.8M net income against $2.4M.
1.64% return on assets against 1.44%; 4.57% net interest margin against 4.33%.
9.44% tier 1 leverage ratio against 9.29%.
Inside the full Thumb Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Thumb Bank & Trust rankings
Its closest position to the top of a national ranking is 1,016 of 3,611, for ROA; its furthest is 3,157 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.08% (Q3 2024) to 1.64% (Q2 2026) and its net interest margin ran from 3.71% (Q3 2024) to 4.57% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.44% | 1.64% | 0.03% | 0.20% | 4.57% |
| Q1 2026 | 9.18% | 1.61% | 0.03% | 0.21% | 4.40% |
| Q4 2025 | 9.53% | 1.41% | 0.03% | 0.22% | 4.42% |
| Q3 2025 | 9.40% | 1.54% | 0.04% | 0.25% | 4.53% |
| Q2 2025 | 9.29% | 1.44% | 0.04% | 0.28% | 4.33% |
| Q1 2025 | 9.22% | 1.44% | 0.05% | 0.32% | 4.28% |
| Q4 2024 | 8.73% | 1.48% | 0.05% | 0.37% | 3.82% |
| Q3 2024 | 9.41% | 1.08% | 0.05% | 0.32% | 3.71% |
Swipe the table sideways to see every column.
Branch Network
View all 13 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Thumb Bank and Trust | Pigeon , MI | 48755 | $137.9M |
| Bay City-Wilder Road Branch | Bay City , MI | 48706 | $83.8M |
| Cass City Road Branch | Elkland Township , MI | 48726 | $82.6M |
| Sandusky Branch | Sandusky , MI | 48471 | $67.2M |
| Fsb Branch | Freeland , MI | 48623 | $37.2M |
| Carsonville Branch | Carsonville , MI | 48419 | $32.0M |
| Deckerville Branch | Deckerville , MI | 48427 | $31.2M |
| Caseville Branch | Caseville , MI | 48725 | $28.7M |
| Bad Axe Branch | Bad Axe , MI | 48413 | $28.7M |
| Port Sanilac Branch | Port Sanilac , MI | 48469 | $28.6M |
| Lexington Branch | Lexington , MI | 48450 | $19.0M |
| Marlette Branch | Marlette , MI | 48453 | $9.5M |
| Brown City Branch | Brown City , MI | 48416 | $9.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 16, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 16, 2024 | Structure Change | Acquired Freeland State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2023 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2023 | Structure Change | Acquired Exchange State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MI, rank 35 of 95 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 164 applications, 128 loans originated, $30.3M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $155K approved, $155K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Thumb Bank & Trust
What are Thumb Bank & Trust's total assets?
As of the Q2 2026 filing, Thumb Bank & Trust reported total assets of $673.3 million in its FFIEC call report.
Where is Thumb Bank & Trust headquartered?
It is headquartered in Pigeon, MI, United States.
When was Thumb Bank & Trust founded?
It was established in 1895, per the FDIC institution directory.
Is Thumb Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14513). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Thumb Bank & Trust?
Thumb Bank & Trust's primary federal regulator is the Federal Reserve.
How many branches does Thumb Bank & Trust operate?
It operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Thumb Bank & Trust's Texas Ratio?
Its Texas Ratio is 0.20% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Thumb Bank & Trust previously called?
The charter now named Thumb Bank & Trust has also operated as Thumb Bank and Trust (2017), per FDIC structure-change records.
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