Southern Michigan Bank & Trust
Coldwater, MI
IDRSSD: 822042
Total Assets
$1.66B
Latest filing
Total Deposits
$1.40B
Latest filing
Net Interest Margin
3.33%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Southern Michigan Bank & Trust
45 W Pearl St
Coldwater, MI 49036
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/16/1872FDIC Certificate 3348
Branches (20)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| Southern Michigan Bank & Trust (Main) | 45 W Pearl St | Coldwater, MI |
| SHOPPING CENTER BRANCH | 51 W Pearl St | Coldwater, MI |
| UNION CITY BRANCH | 225 N Broadway St | Union City, MI |
| TEKONSHA BRANCH | 202 N Main St | Tekonsha, MI |
| THE MOTOR BANK BRANCH | 405 N Broadway St | Union City, MI |
| EAST CHICAGO BRANCH | 441 E Chicago St | Coldwater, MI |
| BATTLE CREEK BRANCH | 5350 Beckley Road, B Drive North | Battle Creek, MI |
| CHICAGO STREET BRANCH | 2 W Chicago St | Coldwater, MI |
Showing 7 of 20
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/16/1872 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49036 |
| State and County Number | 26023 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Coldwater, MI |
Operational Info
| Number of Employees | 244 |
| Domestic Offices | 21 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/09/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.smb-t.com |
| Data Updated | 11/14/2025 |
| CERT | 5019 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.66B |
| Total Deposits | $1.40B |
| Total Liabilities | $1.52B |
| Total Equity Capital | $145.80M |
| Net Income | $3.59M |
| Net Loans and Leases | $1.21B |
| Assets Per Employee ($Millions) | $6.88M |
| Bank Premises and Fixed Assets | $26.35M |
| Cash and Balances due from Depository Institutions | $127.56M |
| Deposits Held in Domestic Offices | $1.40B |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 10.03% |
| Net Interest Margin | 3.33% |
| Efficiency Ratio | 63.78% |
| Tier 1 Risk-Based Capital Ratio | 11.257% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.3% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.76% |
| Earning Assets to total Assets | 92.92% |
Income and Expense
| Total Interest Income | $21.27M |
| Total Noninterest Income | $2.60M |
| Total Interest Expense | $8.79M |
| Total Noninterest Expense | $9.63M |
| Net Interest Income | $12.48M |
| Pre-tax Net Operating Income | $4.25M |
| Provision for Credit Losses | $1.20M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $101.04M |
| Federal Funds Sold & Reverse Repurchase Agreement | $250.00k |
| Federal Funds Purchased and Repurchased Agreement | $1.11M |
| All Other Liabilities | $15.08M |
| Total Liabilities and Capital | $1.66B |
Securities
| Securities | $219.72M |
| Available-for-sale debt securities | $156.02M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $63.70M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Southern Michigan Bank & Trust?
$1.66B as of the latest filing.
How much are Southern Michigan Bank & Trust's total deposits?
$1.40B in total deposits.
Where is Southern Michigan Bank & Trust located?
Coldwater, MI.
What is the Net Interest Margin?
3.33%.
How many domestic offices does it operate?
21.
When was it established?
01/16/1872.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$1.21B (latest filing).
What is the total interest income (latest filing)?
$21.27M.