Is Thumb Bank&Trust Safe?
Thumb Bank&Trust has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (73/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.43% | 96/100 |
| Nonperforming Loan Ratio | 0.05% | 99/100 |
| Liquidity Ratio | 39.46% | 100/100 |
| Return on Assets | 1.32% | 73/100 |
| Total Assets | $0.6B | |
How does Thumb Bank&Trust compare?
With a Bank Health Score of 95/100, Thumb Bank&Trust sits 25.0 points above the national average of 70/100 for FDIC-insured banks. Within Michigan, where 69 FDIC-insured banks are headquartered, Thumb Bank&Trust ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.43% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.05% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Thumb Bank&Trust's Bank Health Score improved by 5.0 points to 95/100. Tier 1 capital strengthened by 1.54 percentage points to 14.43%.
Thumb Bank&Trust has a Bank Health Score of 95/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (73/100).