Southern Michigan Bank & Trust


Overview / Commentary
517-279-5500
51 West Pearl Street
Coldwater, MI 49036

Southern Michigan Bank & Trust is headquartered in COLDWATER and is the 9th largest bank in the state of Michigan. It is also the 720th largest bank in the nation. It was established in 1872 and as of March of 2025, it had grown to 242 employees at 21 locations. Southern Michigan Bank & Trust has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #5019
Year Established1872
Employees242
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.93%
Return on Equity - YTD10.55%
Annual Interest Income$19.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.56B$1.47B
LoansQ1 2025vs Q1 2024$1.13B$1.05B
DepositsQ1 2025vs Q1 2024$1.32B$1.22B
Equity CapitalQ1 2025vs Q1 2024$137.2MM$125.7MM
Loan Loss AllowanceQ1 2025vs Q1 2024$12.8MM$11.7MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$696K$841K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations

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