Southern Michigan Bank & Trust

Southern Michigan Bank & Trust of Coldwater, MI, chartered 1872: 17 offices, $1.68bn in assets. Straight from the federal record.

Southern Michigan Bank & Trust is an FDIC-insured community bank headquartered in Coldwater, MI, chartered in 1872. It is supervised by the FDIC and held by Southern Michigan Bcorp Inc. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Southern Michigan Bank & Trust has branches

17 full-service offices across 1 state:

• Michigan: 17 offices in 13 towns, holding $1.31bn at 30 June 2025

Southern Michigan Bank & Trust on its latest Call Report, 30 June 2026

• Total assets: $1.68bn
• Total deposits: $1.40bn
• Tier 1 leverage ratio: 9.04%
• Total risk-based capital ratio: 0.00%
• Noncurrent loans, as a share of loans: 0.92%
• Return on assets: 0.85%
• Net interest margin: 3.48%
• Staff: 255

Compare Southern Michigan Bank & Trust against every other bank with a branch in Michigan, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.