BlastPoint's Banking Scorecard
Thumb Bank and Trust
Community
Specialty: Agricultural
MI
FDIC cert 14513
Pigeon, MI
1484
banks in Community tier nationally
28 in MI
View Community leaderboard (MI) →
Thumb Bank and Trust demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 23% in Community
- + Credit Quality Leader: Top 49% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$675.4M
+1.2% YoY
+1.9% QoQ
|
-$716.0M |
$1.4B
+2.0% YoY
|
$973.2M
+11.1% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$380.6M
+11.0% YoY
+5.5% QoQ
|
-$594.9M |
$975.5M
+2.4% YoY
|
$732.6M
+14.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$607.9M
-0.2% YoY
+2.0% QoQ
|
-$556.7M |
$1.2B
+1.7% YoY
|
$781.1M
+10.4% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.45%
+21.1% YoY
-1.1% QoQ
|
+0.29% |
1.16%
+17.2% YoY
|
1.09%
+9.6% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.47%
+17.3% YoY
+0.3% QoQ
|
+0.81% |
3.66%
+9.1% YoY
|
3.97%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
56.88%
-7.4% YoY
+1.1% QoQ
|
-5.75% |
62.63%
-5.3% YoY
|
66.94%
-3.1% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.03%
-35.5% YoY
-14.9% QoQ
|
-0.60% |
0.63%
+18.3% YoY
|
0.80%
+62.9% YoY
|
0.66%
+20.3% YoY
|
Top 9% in tier |
| Loan-to-Deposit Ratio ? |
62.62%
+11.3% YoY
+3.4% QoQ
|
-20.45% |
83.06%
+0.3% YoY
|
78.71%
+2.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
50.11%
+51.7% YoY
+59.2% QoQ
|
+29.07% |
21.05%
-0.9% YoY
|
25.17%
-2.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-29.2% YoY
-11.8% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.57%
+48.1% YoY
|
0.48%
+20.8% YoY
|
Top 9% in tier |
| Tier 1 Capital Ratio ? |
13.86%
+2.9% YoY
-1.5% QoQ
|
+3.62% |
10.24%
-0.6% YoY
|
9.37%
-0.1% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.52%
-21.6% YoY
+30.8% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.78%
-0.1% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#36 of 150 · Top 23% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
50.11%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.47%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#183 of 371 · Top 49% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.03%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 9%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.11% · Tier avg: 21.05%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
87
87th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.16%
68
68th pctile
Efficiency Ratio
Current: 56.88% · Tier avg: 62.63%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.86% · Tier avg: 10.24%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
29
29th pctile
Total Deposits
Current: $607.9M · Tier avg: $1.2B
25
25th pctile
Total Assets
Current: $675.4M · Tier avg: $1.4B
12
12th pctile
Total Loans
Current: $380.6M · Tier avg: $975.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.62% · Tier avg: 83.06%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 62.62% · Tier avg: 83.06%
12
12th pctile
Total Loans
Current: $380.6M · Tier avg: $975.5M
25
25th pctile
Total Assets
Current: $675.4M · Tier avg: $1.4B
29
29th pctile
Total Deposits
Current: $607.9M · Tier avg: $1.2B
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.86% · Tier avg: 10.24%
68
68th pctile
Efficiency Ratio
Current: 56.88% · Tier avg: 62.63%
71
71th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.16%
87
87th pctile
Net Interest Margin
Current: 4.47% · Tier avg: 3.66%
91
91th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.63%
91
91th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 50.11% · Tier avg: 21.05%