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Thumb Bank and Trust

Pigeon, MI
IDRSSD: 698649
Total Assets
$663.01M
Latest filing
Total Deposits
$595.75M
Latest filing
Net Interest Margin
4.67%
Profitability
0

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 ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date01/01/1895
Community BankYes
Ownership TypeNot Mutual
ZIP48755
State and County Number26063
Subchapter S CorporationsNo
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees104
Domestic Offices14
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date11/16/2024
Date of Deposit Insurance06/14/1934
Primary Insurance AgencyDIF
WebsiteWWW.THUMB.BANK
Data Updated11/14/2025
CERT14513
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$663.01M
Total Deposits$595.75M
Total Liabilities$599.48M
Total Equity Capital$63.53M
Net Income$2.56M
Net Loans and Leases$360.63M
Assets Per Employee ($Millions)$6.25M
Bank Premises and Fixed Assets$9.38M
Cash and Balances due from Depository Institutions$55.38M
Deposits Held in Domestic Offices$595.75M

Key Performance Ratios

Return on Assets (ROA)1.56%
Return on Equity (ROE)16.54%
Net Interest Margin4.67%
Efficiency Ratio56.55%
Tier 1 Risk-Based Capital Ratio14.076%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.582%
Earning Assets to total Assets91.38%

Income and Expense

Total Interest Income$8.64M
Total Noninterest Income$929.00k
Total Interest Expense$1.68M
Total Noninterest Expense$4.76M
Net Interest Income$6.96M
Pre-tax Net Operating Income$3.13M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$2.01M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.73M
Total Liabilities and Capital$663.01M

Securities

Securities$197.02M
Available-for-sale debt securities$159.36M
Equity securities with readily determinable fair values not held for trading$0
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?
$663.01M as of the latest filing.
How much are Thumb Bank and Trust's total deposits?
$595.75M in total deposits.
Where is Thumb Bank and Trust located?
Pigeon, MI.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
14.
When was it established?
01/01/1895.
What is the Return on Assets (ROA)?
1.56%.
How much are total loans and leases?
$360.63M (latest filing).
What is the total interest income (latest filing)?
$8.64M.