Coldwater, MI
Bank Southern Michigan Bank & Trust
Southern Michigan Bank & Trust is a federally insured bank based in Coldwater, Michigan.
- Type
- Bank
- Charter
- State-chartered commercial bank, not a Federal Reserve member
- Primary regulator
- FDIC
- Established
- January 16, 1872
- Headquarters
- Coldwater, MI
- FDIC certificate #
- 5019
- Fed RSSD ID
- 822042
- Holding company
- Southern Michigan Bcorp Inc
- Website
- www.smb-t.com
$1.7B
Total assets Data as of Q1 2026
$1.44B
Total deposits Data as of Q1 2026
21
Branch locations Data as of Q1 2026
$3.6M
Net income Data as of Q1 2026
0.85%
Return on assets Data as of Q1 2026
Source: U.S. FDIC BankFind & NCUA 5300 Call Report (public data). Data sources · Data as of Q1 2026
Branches by state
Southern Michigan Bank & Trust operates 21 branch locations in Michigan. Select a state to drill down to its towns and individual branches.
Ownership
Southern Michigan Bank & Trust is owned by Southern Michigan Bcorp Inc. See the full ownership & merger history.
Southern Michigan Bank & Trust financial summary
Other banks in Michigan
Federally insured banks headquartered in Michigan, by total assets.
- Northpointe Bank $7.4B
- First National Bank of America $6.76B
- Mercantile Bank $6.36B
- Independent Bank $5.55B
- ChoiceOne Bank $4.39B
- Macatawa Bank, National Association $3.48B
- Bank of Ann Arbor $3.33B
- Isabella Bank $2.2B
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