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 Southern Michigan Bank & Trust
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Southern Michigan Bank & Trust
| RSSD ID 822042 | CERTIFICATE 5019 | ABA NUMBER 72402283 |
| 45 W Pearl St |
Quarter Ended : |
2026-03-31 |
| Coldwater, Michigan, 49036 |
Updated : |
2026-04-29 |
| www.smb-t.com |
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| Institution Profile |
| Year Opened : |
1872 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
21 |
Number of Employees : |
252 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,704,832 |
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Total Interest Income | 21,900 |
| Total Liabilities | 1,553,139 |
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Total NonInterest Income | 2,487 |
| Total Bank Equity Capital | 151,693 |
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Total Interest Expense | 8,694 |
| Total Deposits | 1,436,463 |
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Total NonInterest Expense | 10,592 |
| Net Loans & Leases | 1,291,403 |
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Net Income | 3,607 |
| Loan Loss Allowance | 15,268 |
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Net Charge Offs | 817 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 165,883 |
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Total loans | 1,278,194 |
| Total assets for the leverage ratio | 1,702,300 |
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Loans secured by real estate: | 1,062,975 |
| Tier 1 Leverage Ratio | 8.79 |
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Commercial and industrial loans | 179,863 |
| Tier 1 Capital Ratio | 10.85 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.03 |
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Loans to individuals - Other | 5,091 |
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:· Southern Michigan Bank & Trust
