Total Assets
$675M
Total balance-sheet footings
FDIC Cert #14513 · Pigeon, Michigan · Est. 1895
Thumb Bank and Trust - FDIC Bank Health Profile
A community-scale look at Thumb Bank and Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $675M
- Total assets
- A
- Health grade · Excellent
- 1.45%
- Return on assets
- 13.9%
- Tier 1 capital
Data updated July 2026
The verdict
Thumb Bank and Trust earns a PlainBankData health grade of A (87/100), with well-capitalized at 13.86% Tier 1, profitable at 1.45% ROA, efficient (57% cost ratio).
- #1,417
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 13.86%
- Tier 1 ratio - above the 10% well-capitalized line
- 72nd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Thumb Bank and Trust's 87/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Thumb Bank and Trust's composite health score
Tier 1 Capital Ratio (13.86%) 35/40
Return on Assets (ROA) (1.45%) 20/25
Texas Ratio (0.18%) 20/20
Efficiency Ratio (56.88%) 12/15
87 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$608M
Customer-funded liabilities
Net Loans
$381M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Thumb Bank and Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Thumb Bank and Trust's score of 87/100 falls in the highlighted band.
Thumb Bank and Trust's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Thumb Bank and Trust's $675M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.86% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.86%
Texas Ratio
0.18%
Equity Capital
$65M
Profitability metrics
Return on Assets (ROA)
72nd percentile nationally
1.45%
Return on Equity (ROE)
15.76%
Efficiency Ratio
56.88%
What the numbers say about Thumb Bank and Trust
Thumb Bank and Trust is an FDIC-insured institution (Certificate #14513) headquartered in Pigeon, Michigan, established in 1895. It holds $675M in total assets - 1,417th of 4,313 FDIC-insured banks, $608M in customer deposits, and $381M in net loans. Its capital position: a Tier 1 ratio of 13.86%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 0.18% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (87 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Thumb Bank and Trust sits 23rd of 73 banks headquartered in Michigan by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$34M
Interest Income
$4M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Thumb Bank and Trust reports a Texas Ratio of 0.18% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.18% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Thumb Bank and Trust (FDIC Cert #14513) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |
Frequently asked questions
What is Thumb Bank and Trust's health grade?▼
Thumb Bank and Trust receives a health grade of A (87/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Thumb Bank and Trust?▼
Thumb Bank and Trust holds $675M in total assets and $608M in deposits, ranking 1,417th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pigeon, Michigan.
Is my money safe at Thumb Bank and Trust?▼
Yes, deposits at Thumb Bank and Trust (Certificate #14513) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Thumb Bank and Trust's Tier 1 Capital Ratio?▼
Thumb Bank and Trust has a Tier 1 Capital Ratio of 13.86%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Thumb Bank and Trust?▼
Thumb Bank and Trust has a Texas Ratio of 0.18%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Thumb Bank and Trust?▼
Thumb Bank and Trust has an Efficiency Ratio of 56.88%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Thumb Bank and Trust's profile as a depositor or analyst.
- Thumb Bank and Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Thumb Bank and Trust against other Michigan banks before moving funds. Michigan banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.