BlastPoint's Banking Scorecard

Thumb Bank and Trust

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

Pigeon, MI

13 branches across MI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 47 in MI.
Deposits +1.4% year over year ($595.8M on the books).
Delinquency rate 0.03%.
Return on assets 1.65%.
Efficiency ratio 54.31% vs a 64.48% peer average.
Loan-to-deposit ratio 69.51% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 47 in MI

View $100M-$1B leaderboard (MI) →

Thumb Bank and Trust has 4 strengths but faces 1 concern

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 22.8% in tier
+ ROA 0.32% above tier average
+ Net Interest Margin 0.66% above tier average
+ Efficiency Ratio 10.17% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 21.8% in tier

Get updates when Thumb Bank and Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$673.3M +3.4% YoY -2.7% QoQ	+$286.7M	$386.6M +1.2% YoY	$1.0B +6.5% YoY	$6.3B +7.7% YoY	Top 14.0% in tier
Total Loans ?	$414.2M +16.0% YoY +10.1% QoQ	+$155.8M	$258.3M +1.7% YoY	$767.2M +9.2% YoY	$3.2B +9.4% YoY	81%
Total Deposits ?	$595.8M +1.4% YoY -4.5% QoQ	+$269.1M	$326.7M +0.7% YoY	$806.0M +5.9% YoY	$4.9B +7.3% YoY	Top 12.6% in tier
Return on Assets ?	1.65% +15.5% YoY +0.9% QoQ	+0.32%	1.32% +10.8% YoY	1.18% +20.1% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	4.65% +6.1% YoY +2.3% QoQ	+0.66%	3.99% +5.0% YoY	4.06% +4.7% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	54.31% -3.3% YoY +0.4% QoQ	-10.17%	64.48% -3.2% YoY	65.90% -5.4% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	0.03% -32.9% YoY -14.5% QoQ	-0.89%	0.92% +15.7% YoY	0.85% +32.2% YoY	0.98% +16.3% YoY	83%
Loan-to-Deposit Ratio ?	69.51% +14.4% YoY +15.3% QoQ	-8.44%	77.95% +1.0% YoY	80.02% +3.0% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	29.58% -5.7% YoY +0.6% QoQ	+7.55%	22.03% -0.6% YoY	25.55% -0.4% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.02% -24.8% YoY -3.3% QoQ	-0.65%	0.67% +16.4% YoY	0.65% +27.6% YoY	0.69% +15.8% YoY	85%
Tier 1 Capital Ratio ?	9.44% -31.9% YoY -31.4% QoQ	-6.47%	15.91% +1.4% YoY	20.80% -0.9% YoY	17.09% +0.8% YoY	Bottom 4.4% in tier
Non-Interest Income / Assets ?	0.29% +9.7% YoY +113.3% QoQ	-0.28%	0.57% +7.6% YoY	0.38% +3.3% YoY	0.66% +5.2% YoY	70%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Noninterest-Bearing	29.6% -1.8pp YoY +0.2pp QoQ	+7.4pp	22.1%	25.9%	22.2%	81%
Brokered Deposits	n/a	n/a	7.9%	12.3%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
C&I	7.9% -3.9pp YoY -0.4pp QoQ	-3.7pp	11.6%	12.8%	12.5%	40%
CRE	39.1% +8.2pp YoY +2.3pp QoQ	-0.5pp	39.5%	45.9%	41.4%	51%
1-4 Family	13.3% -2.4pp YoY 0.0pp QoQ	-19.3pp	32.6%	33.6%	31.3%	16%
Consumer	3.4% -0.2pp YoY -0.3pp QoQ	-0.8pp	4.1%	4.6%	5.0%	64%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	26.9%	19.7%	n/a
Leverage Ratio	9.4% +0.2pp YoY +0.3pp QoQ	-2.7pp	12.2%	12.3%	12.6%	20%
Total Capital Ratio	n/a	n/a	19.9%	27.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Full-Time Employees	107 +3 (+2.9%) YoY 0 QoQ	+48	58	134	482	89%
Assets per Employee ($)	$6.3M +0.5% YoY -2.7% QoQ	-$1.2M	$7.5M	$6.8M	$8.8M	38%
Branch Count	13 -1 (-7.1%) YoY 0 QoQ	+8	4	9	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	7%
Allowance Coverage	39.51x +36.6% YoY +8.8% QoQ	+15.36x	24.15x	6.79x	20.23x	93%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
ROE	17.4% +1.4pp YoY +0.1pp QoQ	+5.2pp	12.2%	11.7%	11.6%	79%
Cost of Funds (YTD)	1.0% -0.2pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.5%	1.7%	10%
Net Income ($, YTD)	$5.6M +19.2% YoY — QoQ	+$3.0M	$2.6M	$7.3M	$40.4M	90%

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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

#151 of 659 • Top 22.8% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#145 of 661 • Bottom 21.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.44%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

333

Total Deposits

size

Value: $595.81M

Peer Median: $326.73M

#333 of 2643 Top 12.6% in $100M-$1B

371

Total Assets

size

Value: $673.29M

Peer Median: $386.57M

#371 of 2643 Top 14.0% in $100M-$1B

405

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#405 of 2643 Top 15.3% in $100M-$1B

428

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.99%

#428 of 2643 Top 16.2% in $100M-$1B

451

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#451 of 2633 Top 17.1% in $100M-$1B

510

Non-Interest-Bearing Deposit Share

funding

Value: 29.58%

Peer Median: 22.03%

#510 of 2643 Top 19.3% in $100M-$1B

513

Total Loans

size

Value: $414.17M

Peer Median: $258.35M

#513 of 2643 Top 19.4% in $100M-$1B

Top Weaknesses (1 metrics)

2529

Tier 1 Capital Ratio

capital

Value: 9.44%

Peer Median: 15.91%

#2529 of 2643 Bottom 4.4% in $100M-$1B