B
Thumb Bank & Trust
PigeonMI
Rating Date
October 2025
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 6.70
Liquidity Index 3.60
Profitability Index 6.90
Stability Index 6.10
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 10.24%
5-Year Asset Growth 28.68%
5-Year Charge-Offs to Average Loans -0.05%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 0.21%
Non-Performing Loans to Loans 0.21%
Balance Sheet Thumb Bank & Trust
Pigeon, MI
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Total Assets 663.01M
Total Deposits 595.75M
Capital and Reserves Thumb Bank & Trust
Pigeon, MI
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Capital 63.53M
Leverage Ratio 9.40
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio 14.98
Liquidity Thumb Bank & Trust
Pigeon, MI
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Hot Money Ratio 15.90%
Liquidity Ratio 39.90%
Profitability Thumb Bank & Trust
Pigeon, MI
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5-Year Return on Average Assets 1.23%
Net Income 7.26M
Net Interest Spread 4.38%
Operating Profit to Average Assets 1.81%
Overhead Efficiency Ratio 60.23%
Return on Assets 1.48%
Return on Equity 16.13%