Thumb Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 9.30 percentage points higher than in Q1 2026, at 70.26%. Thumb Bank & Trust ranks 17th of 72 Michigan banks on return on assets, in the upper half at 1.64% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.26% on return on assets. Thumb Bank & Trust sits 0.39 points higher, at 1.64% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 9.53% |
| Tangible equity to tangible assets | 7.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.20% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | 3950.89% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.64% |
| Return on equity | 17.51% |
| Net interest margin | 4.57% |
| Efficiency ratio | 54.05% |
| Yield on earning assets | 5.51% |
| Cost of funds | 1.00% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.26% |
| Core deposits to total deposits | 91.32% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.49% |
| Securities to assets | 28.62% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.89% | 12.89% | 13.67% | 8.88% | 0.82% |
| Q4 2023 | 13.60% | 13.60% | 14.38% | 9.12% | 2.35% |
| Q1 2024 | 14.27% | 14.27% | 15.14% | 8.97% | 1.06% |
| Q2 2024 | 14.43% | 14.43% | 15.37% | 9.21% | 1.06% |
| Q3 2024 | 14.37% | 14.37% | 15.29% | 9.41% | 1.08% |
| Q4 2024 | 13.47% | 13.47% | 14.33% | 8.73% | 1.48% |
| Q1 2025 | 13.85% | 13.85% | 14.76% | 9.22% | 1.44% |
| Q2 2025 | 13.87% | 13.87% | 14.79% | 9.29% | 1.44% |
| Q3 2025 | 14.08% | 14.08% | 14.98% | 9.40% | 1.54% |
| Q4 2025 | 13.86% | 13.86% | 14.74% | 9.53% | 1.41% |
| Q1 2026 | 13.77% | 13.77% | 14.72% | 9.18% | 1.61% |
| Q2 2026 | — | — | — | 9.44% | 1.64% |
Thumb Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Thumb Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Thumb Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14513) · FFIEC NIC profile (RSSD 698649)