Total Assets
$673.3M
Total Deposits
$595.8M
Branches
14
Established
1895
Thumb Bank and Trust is a bank headquartered in Pigeon, Michigan, established in 1895. It holds $673.3M in total assets across 14 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Thumb Bank and Trust earns a TFS Financial Health Grade of B+ (82.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
82.1 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Thumb Bank and TrustHQ | 7254 Michigan Ave | Pigeon | MI | 11 |
| Thumb Bank and Trust | 2543 S Sherman Rd | Applegate | MI | 11 |
| Thumb Bank and Trust | 1 E Huron Ave | Bad Axe | MI | 11 |
| Thumb Bank and Trust | 2985 Wilder Rd | Bay City | MI | 11 |
| Thumb Bank and Trust | 4482 Main St | Brown City | MI | 11 |
| Thumb Bank and Trust | 3992 E Chandler St | Carsonville | MI | 11 |
| Thumb Bank and Trust | 7100 Main St | Caseville | MI | 11 |
| Thumb Bank and Trust | 3397 Main St | Deckerville | MI | 11 |
| Thumb Bank and Trust | 6128 East Cass City Road | Elkland Township | MI | 11 |
| Thumb Bank and Trust | 185 E Washington | Freeland | MI | 11 |
| Thumb Bank and Trust | 5536 Main Street | Lexington | MI | 11 |
| Thumb Bank and Trust | 2592 S Van Dyke Rd | Marlette | MI | 11 |
| Thumb Bank and Trust | 55 S Ridge St | Port Sanilac | MI | 11 |
| Thumb Bank and Trust | 520 W Sanilac Rd | Sandusky | MI | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
82.1
Tier 1 capital ratio
9.44%
Return on assets
1.65%
Non-performing loans
0.03%
Efficiency ratio
54.31%
Asset growth (YoY)
3.39%
Suggested direct comparisons
Grand Rapids, MI
$7.5B
Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.