Thumb Bank&Trust (FDIC #14513): Bank Stress & Real-Estate Credit Exposure
Thumb Bank&Trust (FDIC Cert #14513): bank stress 59/100, moderate, STABLE over 7 days; parent THUMB BCORP EMPLOYEE STK OWNERSHIP PLAN.
Thumb Bank&Trust (#14513) lends in 5 counties across 1 state; Thumb Bank&Trust (#14513) reaches 88 ZIP codes: Michigan 5 counties, 88 ZIPs.
Thumb Bank&Trust (#14513) largest markets: Saginaw County, MI (28 branches, 28 ZIPs) (#14513), Sanilac County, MI (161 branches, 23 ZIPs) (#14513), Tuscola County, MI (21 branches, 21 ZIPs) (#14513), Huron County, MI (54 branches, 18 ZIPs) (#14513), Bay County, MI (17 branches, 17 ZIPs) (#14513).
Thumb Bank&Trust (#14513) reports $673.3 million in total assets; Thumb Bank&Trust (#14513) equity $64.2 million (9.5% of Thumb Bank&Trust (#14513) assets); Thumb Bank&Trust (#14513) domestic deposits $595.8 million; Thumb Bank&Trust (#14513) net income $5.6 million; Thumb Bank&Trust (#14513) return on assets 1.65%; Thumb Bank&Trust (#14513) return on equity 17.36%; Thumb Bank&Trust (#14513) net interest income $14.4 million; Thumb Bank&Trust (#14513) call report June 30, 2026.
Thumb Bank&Trust (#14513) noncurrent real-estate loans: none reported; Thumb Bank&Trust (#14513) net charge-offs on real estate 0.04%.
Thumb Bank&Trust (#14513) net interest margin 4.65% against an eight-quarter Thumb Bank&Trust (#14513) average of 4.30% (Thumb Bank&Trust (#14513) compression -0.35 points); Thumb Bank&Trust (#14513) rate-exposure score 40/100, Thumb Bank&Trust (#14513) fixed-rate trap 40/100; Thumb Bank&Trust (#14513) risk type credit driven; Thumb Bank&Trust (#14513) rate regime rates elevated, Thumb Bank&Trust (#14513) snapshot October 19, 2026.
Thumb Bank&Trust (#14513) stress score moved from 59.1 on June 22, 2026 to 59.3 on October 19, 2026; Thumb Bank&Trust (#14513) ranged 59.1 to 59.3 over 116 snapshots.
Thumb Bank&Trust (#14513) alerts: 5 counties; top Thumb Bank&Trust (#14513) alert scores: Bay City County, MI 22 (low); Cass City County, MI 22 (low); Freeland County, MI 22 (low); Pigeon County, MI 22 (low); Sandusky County, MI 22 (low).