Branch Network
Thumb Bank & Trust Locations & Branches Pigeon, Michigan
BankRegReports is independent of Thumb Bank & Trust and never asks for online banking logins or passwords.
Thumb Bank & Trust operates 13 branches from its headquarters in Pigeon, MI, .
Thumb Bank & Trust branch network
All 13 branches are in MICHIGAN, across 13 cities. Its largest office by deposits is the Thumb Bank and Trust office in Pigeon, MI, with $137.9M (23.1% of its branch deposits). On June 30, 2025 it had 14 branches, 1 more than in 2026.
Thumb Bank & Trust at a glance
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.
- Total assets, Q2 2026
- $673.3M
- Tier 1 leverage ratio, Q2 2026
- 9.44%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1895
Full financial profile · Is Thumb Bank & Trust safe? · Thumb Bank & Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Pigeon, MI (1 branch) | 1 of 3 | 69.9% | $137.9M |
| State: MI (13 branches) | 35 of 95 | 0.2% | $595.8M |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Thumb Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Sanilac, MI (7 branches) | 3 of 6 | 21.3% | $196.9M | $925.9M |
| Huron, MI (3 branches) | 3 of 7 | 17.9% | $195.3M | $1.09B |
| Bay, MI (1 branch) | 4 of 7 | 6.5% | $83.8M | $1.30B |
| Tuscola, MI (1 branch) | 4 of 6 | 14.0% | $82.6M | $589.3M |
| Saginaw, MI (1 branch) | 10 of 10 | 1.4% | $37.2M | $2.59B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Bay City, MI (1 branch) | 4 of 7 | 6.5% | $83.8M | $1.30B |
| Saginaw, MI (1 branch) | 10 of 10 | 1.4% | $37.2M | $2.59B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 14513) · FFIEC NIC profile (RSSD 698649)