Southern Michigan Bank & Trust

Overview / Commentary
51 West Pearl Street
Coldwater, MI 49036

Southern Michigan Bank & Trust is headquartered in Coldwater and is the 13th largest bank in the state of Michigan. It is also the 844th largest bank in the nation. It was established in 1872 and as of March of 2022, it had grown to 206 employees at 16 locations. Southern Michigan Bank & Trust has an A health rating.

Reviews (1)

Southern Michigan Bank

Posted by: |

I utilize this bank for my disabled sons checking and savings account, they always provide the best customer service. They greet us by name and always show infinite patience as he is very particular with his money. They are always willing to take the extra time and help him. We use their online site to pay most of our bills and I have had no problems accessing or using the site. It is well laid out and is easy to customize. Their ATMs are state of the art and convenient. Their fees are a little high but not out of the ordinary.


Health Grade Components

FDIC Certificate #5019
Year Established1872
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD10.97%
Annual Interest Income$9.2MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$1.22B$1.08B
LoansQ1 2022vs Q1 2021$756.2MM$638.8MM
DepositsQ1 2022vs Q1 2021$1.07B$925.7MM
Equity CapitalQ1 2022vs Q1 2021$109.7MM$97.5MM
Loan Loss AllowanceQ1 2022vs Q1 2021$9.3MM$7.8MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$1.3MM$1.6MM
Real Estate OwnedQ1 2022vs Q1 2021$0$0

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