B
Thumb Bank & Trust
PigeonMI
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Thumb Bank & Trust
Pigeon, MI
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Rating B
Asset Quality Index 7.80
Capitalization Index 6.90
Liquidity Index 3.40
Profitability Index 6.60
Stability Index 6.30
Company Info Thumb Bank & Trust
Pigeon, MI
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FDIC Number 14513
Phone Number (989) 453-3113
Website www.thumb.bank
Asset Quality Thumb Bank & Trust
Pigeon, MI
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1-Year Asset Growth 1.18%
5-Year Asset Growth 20.22%
5-Year Charge-Offs to Average Loans -0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.02%
Non-Performing Loans to Capital 0.18%
Non-Performing Loans to Loans 0.03%
Balance Sheet Thumb Bank & Trust
Pigeon, MI
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Total Assets 675.43M
Total Deposits 607.86M
Capital and Reserves Thumb Bank & Trust
Pigeon, MI
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Capital 65.15M
Leverage Ratio 9.53
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 14.74
Liquidity Thumb Bank & Trust
Pigeon, MI
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Hot Money Ratio 14.45%
Liquidity Ratio 37.94%
Profitability Thumb Bank & Trust
Pigeon, MI
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5-Year Return on Average Assets 1.23%
Net Income 9.62M
Net Interest Spread 4.39%
Operating Profit to Average Assets 1.79%
Overhead Efficiency Ratio 60.80%
Return on Assets 1.46%
Return on Equity 15.75%