Thumb Bank and Trust: how it compares with its peers
Against 32 MI banks with half to twice its assets, Thumb Bank and Trust's strongest measure in Q2 2026 is efficiency ratio (54.31% vs. a 62.91% peer median). Its weakest relative measure is assets per employee ($6.3M vs. $6.0M).
| Measure | Thumb Bank and Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.29% | Top third Ahead of 78% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.65% | 4.13% | Top third Ahead of 78% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 54.31% | 62.91% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $6.0M | Middle third Ahead of 56% of peers |
| Loans to deposits Net loans and leases over total deposits. | 69.51% | 83.53% | Context |
What it means for lending operations
Its efficiency ratio of 54.31% is better than the 62.91% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Tri-County Bank Brown City, MI · $639M
- First Bank, Upper Michigan Gladstone, MI · $629M
- Range Bank Marquette, MI · $604M
- Highpoint Community Bank Hastings, MI · $592M
- Citizens State Bank Royal Oak, MI · $581M
- Eastern Michigan Bank Croswell, MI · $554M
Questions about Thumb Bank and Trust
How big is Thumb Bank and Trust?
Thumb Bank and Trust, established in 1895, is headquartered in Pigeon, MI. It reported $673M in total assets in its Q2 2026 FDIC call report and operates 13 offices.
What is Thumb Bank and Trust's return on assets?
1.65% annualized in Q2 2026, against a 1.29% median for 32 MI banks with half to twice its assets, ahead of 78% of them.
What is Thumb Bank and Trust's efficiency ratio?
54.31% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 62.91%, and lower is better.
Is Thumb Bank and Trust growing its loans?
Net loans grew 16.0% over the year to Q2 2026, while deposits grew 1.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Michigan bank ranked.