Bank · FDIC insured
Thumb Bank & Trust
A $673.3M bank headquartered in Pigeon, MI, with 13 branches in Michigan. Best rates: CDs 3.55% and savings 0.07% APY.
Thumb Bank & Trust Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#20 of 22 in Saginaw, MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Thumb Bank & Trust
- Headquarters
- 7254 Michigan Ave, Pigeon, MI 48755
- FDIC certificate
- 14513 ↗
Branches
13 branches in Michigan
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Michigan
13 branches
Pigeon area · 1
- Thumb Bank and TrustMain office7254 Michigan Ave, Pigeon, MI 48755Directions
Bad Axe area · 1
- Bad Axe Branch1 E Huron Ave, Bad Axe, MI 48413Directions
Bay City area · 1
- Bay City-Wilder Road Branch2985 Wilder Rd, Bay City, MI 48706Directions
Brown City area · 1
- Brown City Branch4482 Main St, Brown City, MI 48416Directions
Carsonville area · 1
- Carsonville Branch3992 E Chandler St, Carsonville, MI 48419Directions
Caseville area · 1
- Caseville Branch7100 Main St, Caseville, MI 48725Directions
Deckerville area · 1
- Deckerville Branch3397 Main St, Deckerville, MI 48427Directions
Elkland Township area · 1
- Cass City Road Branch6128 East Cass City Road, Elkland Township, MI 48726Directions
Saginaw area · 1
- Fsb Branch185 E Washington, Freeland, MI 48623Directions
Lexington area · 1
- Lexington Branch5536 Main Street, Lexington, MI 48450Directions
Marlette area · 1
- Marlette Branch2592 S Van Dyke Rd, Marlette, MI 48453Directions
Port Sanilac area · 1
- Port Sanilac Branch55 S Ridge St, Port Sanilac, MI 48469Directions
Sandusky area · 1
- Sandusky Branch520 W Sanilac Rd, Sandusky, MI 48471Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.44% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.03% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.65% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $70 | $81 | — |
- CapitalLeverage ratio9.44%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.03%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.65%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$70Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Thumb Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.