Thumb Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Thumb Bank & Trust of Pigeon, MI against its peer group of 2757 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.64% | 1.25% | +0.39% | 70th above |
| ROAE | 17.51% | 12.22% | +5.29% | 77th top |
| Net Interest Margin | 4.57% | 3.95% | +0.62% | 81st top |
| Efficiency Ratio | 54.05% | 63.71% | -9.66% | 71st above |
| PPNR / Avg Assets | 2.07% | — | — | 75th top |
| Yield on Earning Assets | 5.51% | 5.67% | -0.16% | 46th below |
| Cost of Funds | 1.00% | 1.87% | -0.87% | 91st top |
| Net Interest Spread | 4.12% | — | — | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.03% | 0.88% | -0.85% | 83rd top |
| NPA / Total Assets | 0.02% | — | — | 84th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.06% | — | — | 33rd below |
| ACL / NPLs (Coverage) | 3950.89% | — | — | — |
| Texas Ratio | 0.20% | 5.96% | -5.76% | 83rd top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.44% | 11.75% | -2.31% | 20th bottom |
| Equity / Assets | 9.53% | 10.98% | -1.45% | 36th below |
| TCE / Tangible Assets | 7.92% | — | — | 15th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.26% | 80.44% | -10.18% | 70th above |
| Core Deposit Ratio | 91.32% | 86.95% | +4.37% | 63rd above |
| Wholesale Funding Ratio | 1.49% | — | — | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.39% | — | — | 41st below |
| Loan Growth (Y/Y) | 15.84% | — | — | 87th top |
| Deposit Growth (Y/Y) | 1.37% | — | — | 31st below |
See Thumb Bank & Trust's peers by name
The 2757 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Thumb Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Thumb Bank & Trust profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Thumb Bank & Trust peer analysis.