BlastPoint's Banking Scorecard

Thumb Bank and Trust

$100M-$1B Specialty: Agricultural MI FDIC cert 14513

Pigeon, MI

14 branches across MI

2664 banks in the $100M-$1B peer group nationally 46 in MI

Thumb Bank and Trust demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 23.2% in tier
+ ROA 0.36% above tier average
+ Net Interest Margin 0.61% above tier average
+ Efficiency Ratio 11.17% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$692.0M +5.0% YoY +2.5% QoQ	+$305.9M	$386.1M +0.5% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	Top 13.0% in tier
Total Loans ?	$376.1M +6.2% YoY -1.2% QoQ	+$120.3M	$255.7M +1.1% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$624.0M +4.6% YoY +2.7% QoQ	+$296.0M	$328.0M +0.1% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	Top 11.0% in tier
Return on Assets ?	1.63% +16.0% YoY +12.5% QoQ	+0.36%	1.27% +12.9% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	74%
Net Interest Margin ?	4.54% +5.4% YoY +1.5% QoQ	+0.61%	3.93% +6.0% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	54.11% -4.6% YoY -4.9% QoQ	-11.17%	65.29% -4.5% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.03% -31.3% YoY -2.9% QoQ	-0.86%	0.89% +18.8% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	82%
Loan-to-Deposit Ratio ?	60.26% +1.6% YoY -3.8% QoQ	-16.37%	76.64% +0.8% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	29.41% -2.0% YoY -41.3% QoQ	+7.39%	22.02% -1.0% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.02% -30.5% YoY -6.3% QoQ	-0.62%	0.64% +19.7% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	13.77% -0.6% YoY -0.7% QoQ	-2.06%	15.83% +1.5% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.13% +5.9% YoY -74.1% QoQ	-0.14%	0.28% +9.3% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	68%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#155 of 664 • Top 23.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (9 metrics)

293

Total Deposits

size

Value: $624.01M

Peer Median: $327.97M

#293 of 2664 Top 11.0% in $100M-$1B

347

Total Assets

size

Value: $691.98M

Peer Median: $386.08M

#347 of 2664 Top 13.0% in $100M-$1B

422

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#422 of 2664 Top 15.8% in $100M-$1B

447

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.93%

#447 of 2664 Top 16.7% in $100M-$1B

473

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.89%

#473 of 2654 Top 17.8% in $100M-$1B

501

Loan-to-Deposit Ratio

liquidity

Value: 60.26%

Peer Median: 76.64%

#501 of 2664 Top 18.8% in $100M-$1B

528

Non-Interest-Bearing Deposit Share

funding

Value: 29.41%

Peer Median: 22.02%

#528 of 2664 Top 19.8% in $100M-$1B

610

Total Loans

size

Value: $376.05M

Peer Median: $255.72M

#610 of 2664 Top 22.9% in $100M-$1B

647

Efficiency Ratio

profitability

Value: 54.11%

Peer Median: 65.29%

#647 of 2664 Top 24.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available