Our Story Thumb Bank & Trust

Our Story

About Us

Thumb Bank & Trust has been providing customers with fast, efficient, outstanding service since 1895. Whether we are the new face in your town or an old friend you can count on, know that we believe in building for the future. At Thumb Bank & Trust we actively participate in the communities we serve and strive to meet the challenges of tomorrow. We take great pride in our personal involvement and investment in our communities.

Thumb Bank & Trust combines traditional banking with modern technology, products and service. We provide our customers with a complete array of up to date financial services. When you add in our skilled and dedicated group of employees our service is untouched by any other financial institution. We encourage you to give us feedback about our site, our products, and our team. We welcome all questions and comments.

We also wish to extend our sincere gratitude for contacting us on our website. We try very hard every day in every way to earn your confidence and your banking business. We appreciate you putting your trust in Thumb Bank & Trust.


Banking Excellence since 1895

The origins of Thumb Bank & Trust date back to 1895 in Pigeon, Michigan. The Farmer’s Bank of Frank W. Hubbard was founded by four partners in 1895. On August 21, 1906, a second bank was chartered on the corner of Main Street and Michigan Avenue in Pigeon and was called the Pigeon State Bank. Local customers now had two banking choices and each bank tried its best to attract more customers. Two years later, Pigeon State Bank was bought by the Farmer’s Bank and the resulting name was Pigeon State Bank.

1970 - Pigeon State Bank became Thumb National Bank & Trust Co. It was the first and only bank in the entire region to assume full trust powers at the time.

1978 - Cass City office opened.

1989 - Caseville office opened.

2003 - Bay City, Wilder Road office opened.

2007 - Bay City, Center Avenue office opened.

2016 - Bad Axe office opened.

2017 - Thumb National Bank & Trust Co. becomes Thumb Bank & Trust.

2022 - Marlette office opened. This office expanded the bank's footprint to four counties, Huron, Tuscola, Sanilac, and Bay.

2022 - The bank announced a merger with Exchange State Bank. The merger closed on December 31, 2022, and resulted in Thumb Bank expanding to include six new branch locations in Sanilac County and would now total 13 branches. The new branch locations were Applegate, Brown City, Carsonville, Deckerville, Port Sanilac and Sandusky.

Today, Thumb Bank & Trust remains a local community bank that offers full trust and financial services. In recent years the bank has posted record earnings and receives outstanding support from its shareholders. The bank employs over 120 full- and part-time employees and remains very active in the communities it serves. Bank assets now total over $570 million.

From its humble beginnings in 1895 to today’s high tech banking environment, Thumb Bank & Trust remains committed to providing state-of-the-art banking products to its loyal customer base. Our employees are committed to providing exceptional service knowing full well that customers have several choices where to do their banking. If you currently are not a customer, we invite you to stop by any of our thirteen office locations or join us online. You will be glad you did. If you are already a customer of the bank's we appreciate you putting your trust in us.