Thumb Bank and Trust
Pigeon, MI
IDRSSD: 698649
Total Assets
$675.43M
Latest filing
Total Deposits
$607.86M
Latest filing
Net Interest Margin
4.53%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Thumb Bank and Trust
7254 Michigan Ave
Pigeon, MI 48755
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1895FDIC Certificate 9068
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Thumb Bank and Trust (Main) | 7254 Michigan Ave | Pigeon, MI |
| CASS CITY ROAD BRANCH | 6128 East Cass City Road | Elkland Township, MI |
| CASEVILLE BRANCH | 7100 Main St | Caseville, MI |
| PORT SANILAC BRANCH | 55 S Ridge St | Port Sanilac, MI |
| APPLEGATE BRANCH | 2543 S Sherman Rd | Applegate, MI |
| SANDUSKY BRANCH | 520 W Sanilac Rd | Sandusky, MI |
| DECKERVILLE BRANCH | 3397 Main St | Deckerville, MI |
| BAY CITY-WILDER ROAD BRANCH | 2985 Wilder Rd | Bay City, MI |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1895 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 48755 |
| State and County Number | 26063 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 106 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 11/16/2024 |
| Date of Deposit Insurance | 06/14/1934 |
| Primary Insurance Agency | DIF |
| Website | WWW.THUMB.BANK |
| Data Updated | 01/30/2026 |
| CERT | 14513 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $675.43M |
| Total Deposits | $607.86M |
| Total Liabilities | $610.28M |
| Total Equity Capital | $65.15M |
| Net Income | $2.36M |
| Net Loans and Leases | $380.62M |
| Assets Per Employee ($Millions) | $6.43M |
| Bank Premises and Fixed Assets | $9.31M |
| Cash and Balances due from Depository Institutions | $49.95M |
| Deposits Held in Domestic Offices | $607.86M |
Key Performance Ratios
| Return on Assets (ROA) | 1.41% |
| Return on Equity (ROE) | 14.68% |
| Net Interest Margin | 4.53% |
| Efficiency Ratio | 58.62% |
| Tier 1 Risk-Based Capital Ratio | 13.86% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.646% |
| Earning Assets to total Assets | 91.47% |
Income and Expense
| Total Interest Income | $8.49M |
| Total Noninterest Income | $878.00k |
| Total Interest Expense | $1.56M |
| Total Noninterest Expense | $4.87M |
| Net Interest Income | $6.93M |
| Pre-tax Net Operating Income | $2.88M |
| Provision for Credit Losses | $50.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $558.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.42M |
| Total Liabilities and Capital | $675.43M |
Securities
| Securities | $197.89M |
| Available-for-sale debt securities | $160.22M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $37.66M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Thumb Bank and Trust?
$675.43M as of the latest filing.
How much are Thumb Bank and Trust's total deposits?
$607.86M in total deposits.
Where is Thumb Bank and Trust located?
Pigeon, MI.
What is the Net Interest Margin?
4.53%.
How many domestic offices does it operate?
14.
When was it established?
01/01/1895.
What is the Return on Assets (ROA)?
1.41%.
How much are total loans and leases?
$380.62M (latest filing).
What is the total interest income (latest filing)?
$8.49M.