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Southern Michigan Bank And Trust

IDRSSD: 822042
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 822042 held $1.7B in total assets as of 2026-03-31 (+0.9% quarter-over-quarter). Total loans stood at $1.3B (+2.7% QoQ) and total deposits at $1.4B (+0.9% QoQ).

Overall position is weak — the composite Health Score is 31/100 (Weak). Tier 1 / RWA stands at 10.85%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
31/100
Weak
Active Alerts
1
1 critical, 0 warning
Total Assets
$1.7B
+0.9% QoQ
Total Loans
$1.3B
+2.7% QoQ
Total Deposits
$1.4B
+0.9% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.85%
7th pctile · n=357↑ better
-15 bp QoQ
CET1 / RWA
10.85%
34th pctile · n=500↑ better
-16 bp QoQ
Total RBC / RWA
12.03%
8th pctile · n=357↑ better
-20 bp QoQ
Tier 1 Leverage Ratio
10.85%
34th pctile · n=500↑ better
-16 bp QoQ

Liquidity

Cash / Assets
5.14%
43th pctile · n=500↑ better
-134 bp QoQ
Loans / Deposits
89.97%
63th pctile · n=496↓ better
+157 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.90%
70th pctile · n=500↓ better
-8 bp QoQ
NPA / Assets
0.91%
75th pctile · n=500↓ better
-5 bp QoQ
Texas Ratio (regulatory)
9.38%
81th pctile · n=500↓ better
-59 bp QoQ
Net Charge-Offs / Avg Loans
0.25%
89th pctile · n=500↓ better
+24 bp QoQ
ALLL Coverage of NPL
129.65%
35th pctile · n=500↑ better
+514 bp QoQ

Earnings

Net Interest Margin
3.35%
28th pctile · n=500↑ better
+7 bp QoQ
Return on Assets
0.85%
26th pctile · n=500↑ better
+2 bp QoQ
Return on Equity
9.57%
34th pctile · n=500↑ better
+17 bp QoQ
Efficiency Ratio
67.44%
67th pctile · n=500↓ better
+258 bp QoQ
Pre-tax NOI / Avg Assets
1.02%
25th pctile · n=500↑ better
+5 bp QoQ

Funding

Brokered / Deposits
5.64%
68th pctile · n=496↓ better
-168 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
6.50%
79th pctile · n=500↓ better
-6 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
12.78%
43th pctile · n=500↑ better
-15 bp QoQ
AFS Securities / Assets
9.17%
37th pctile · n=500↑ better
-8 bp QoQ
HTM Securities / Assets
3.62%
85th pctile · n=500↑ better
-8 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-15 08:27:43 UTC