THUMB BANK&TRUST
PIGEON, MICHIGAN · FDIC Cert #14513
Capital & Safety Analysis
According to FDIC financial data, THUMB BANK&TRUST holds a Tier 1 capital ratio of 14.43%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning THUMB BANK&TRUST has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
THUMB BANK&TRUST shows strong financial health indicators. With $607M in assets and a Health Score of 95/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
THUMB BANK&TRUST has a Bank Health Score of A (95/100). It holds a Tier 1 capital ratio of 14.43%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
THUMB BANK&TRUST holds $607M in total assets and $549M in total deposits. It is located in PIGEON, MICHIGAN (FDIC Certificate #14513).
THUMB BANK&TRUST has a Tier 1 capital ratio of 14.43%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.05%, and the return on assets is 1.32%.
Yes. THUMB BANK&TRUST is FDIC-insured (Certificate #14513). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.