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Merger Information

Welcome Exchange State Bank Customers

Thumb Bank & Trust and Exchange State Bank are excited to be joining forces to provide customers with an exceptional community banking experience.

Exchange State Bank is officially part of Thumb Bank & Trust with the recent closing of the merger on December 31, 2022.

Thumb Bank & Trust is a community bank that is locally owned, locally involved and locally invested in the communities we serve. We are excited to welcome Exchange State Bank employees, customers, shareholders, and communities to Thumb Bank & Trust.

While the merger has closed the conversion date will not happen until May 2023. At this time Exchange State Bank customers should continue to do their banking as usual. 

You won't see many changes until the system conversion occurs. While there will be some changes, such as the name on the sign, customer service and community commitment will remain of the highest importance to the bank.

We will keep you up to date as the conversion date gets closer, so you'll know what to expect. If you have any questions along the way, please reach out to your local branch. We are here to serve you and look forward to building a relationship for generations to come!


Frequently Asked Questions

1. Will my account number change?

Most customers will not have any changes to their account number. You will be able to continue to use your existing checks and deposit slips until it is time to reorder; the federal reserve will automatically route them to Thumb Bank & Trust. When the time comes to reorder, you will use Thumb Bank & Trust's routing number, 072407929, for your check supplies. The bank will be notifying any duplicate account holders in advance of the system conversion.

2. How are Thumb Bank & Trust and Exchange State Bank alike?

This was a great opportunity to combine two community banks that share a strong commitment to our customers and communities. Both banks hold similar core values of integrity and relationship banking. The merger will allow us to serve you with more resources and value-added services, while preserving the spirit of community banking. Thumb Bank & Trust is excited to welcome Exchange State Bank customers to the Thumb Bank & Trust community and provide banking services that meet your needs.

3. Where is the main office of Thumb Bank & Trust?

Thumb Bank & Trust is headquartered in Pigeon, Michigan in the same location it has been for over 127 years.

4. When can I use the Thumb Bank ATM locations?

More information coming soon.

5. Will my Exchange State Bank ATM/debit card still work after conversion?

Yes, after conversion in May, you can continue to use your Exchange State Bank ATM/debit card. 

6. Who can I call if I have a question about my account?

If you have additional questions, please feel free to call your local branch, Monday through Friday during normal business hours. You can also submit a question on our website through the Contact Us tab.

7. What will happen to my direct deposit(s) after conversion?

Direct deposits you have set up will continue to be deposited into your Thumb Bank & Trust account uninterrupted. 

8. What if my payment is coming from another financial institution?

The transfer will continue as scheduled.

9. Will my loans change?

The terms and conditions on your personal loan(s), line(s) of credit, mortgage loan(s) or commercial loan(s) will remain the same.

Important Dates

Coming Soon.

Important Information

  • Call us with any questions during business hours: 1-866-862-3113.
  • Thumb Bank's routing number: 072407929
  • Thumb Bank & Trust website:
  • Thumb Bank & Trust headquarters: 7254 Michigan Ave, Pigeon, MI 48755

Merger Press Releases


***This page will be updated as more information becomes available.  Please contact your local branch office with any questions.