Regulatory profile
Pigeon, MI · FDIC certificate #14513
THUMB BANK&TRUST is an FDIC-insured institution based in Pigeon, MI (FDIC certificate #14513). In its Q3 2026 Call Report it reported total assets of $691M, total deposits of $624M and net loans of $439M. Its primary federal regulator is FED.
Reported facts
THUMB BANK&TRUST (FDIC certificate #14513) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $691M |
|---|---|
| Total deposits | $624M |
| Net loans and leases | $439M |
| Return on assets | 1.62% |
| Return on equity | 17.24% |
| Net interest margin | 4.71% |
| Quarterly asset change | 2.60% |
| Quarterly deposit change | 4.79% |
Plain-language readout
THUMB BANK&TRUST in Pigeon, MI reported total assets of $691M, total deposits of $624M and net loans of $439M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.62%, a return on equity of 17.24%, a net interest margin of 4.71%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $691M | $624M | $439M | 1.62% | 17.24% | 4.71% |
| Q2 2026 | $673M | $596M | $414M | 1.65% | 17.36% | 4.65% |
| Q1 2026 | $692M | $624M | $376M | 1.63% | 17.25% | 4.54% |
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