Southern Michigan Bank & Trust
Headquartered in Coldwater, MI. Part of Southern Michigan Bancorp, Inc. FDIC certificate #5019 · Federal Reserve RSSD 822042.
Total assets
$1.7B
Deposits
$1.4B
Q1 2026
Active branches
21
Closings since Jan 2020
0
5 openings since Jan 2020
Financial snapshot — Q1 2026
All quarters →Net income (quarter)
$4M
Return on assets
0.85%
Return on equity
9.57%
Noncurrent loan rate
0.90%
Deposits by year (Summary of Deposits)
12019
12020
12021
12022
12023
12024
12025
Values in $ billions, June 30 of each year.
Openings by year
22022
12023
22024
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.smb-t.com.