Southern Michigan Bank & Trust
Coldwater, MI · State, non-member commercial bank
Sonar Score
Watch
out of 100 · from public FDIC data
Reported June 30, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $1.7B
- Total deposits
- $1.4B
- Branches
- 21
- Return on assets
- 0.85%
- Return on equity
- 9.43%
- Charter type
- State, non-member commercial bank
- Established
- 1872
- FDIC cert #
- 5019
How the 52 breaks down
Adequately capitalized.
Modest but positive returns.
Positive but moderate equity returns.
Mid-size institution.
Your deposits at Southern Michigan Bank & Trust
Southern Michigan Bank & Trust is an FDIC-insured institution (Cert #5019). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
21 branch locations
51 W Pearl St
Coldwater, MI 49036
225 N Broadway St
Union City, MI 49094
202 N Main St
Tekonsha, MI 49092
405 N Broadway St
Union City, MI 49094
441 E Chicago St
Coldwater, MI 49036
5350 Beckley Road, B Drive North
Battle Creek, MI 49015
2 W Chicago St
Coldwater, MI 49036
136 N Nottawa St
Mendon, MI 49072
58665 U.S. 131
Three Rivers, MI 49093
345 N Washington St
Constantine, MI 49042
235 E Main St
Centreville, MI 49032
10 E Carleton Rd
Hillsdale, MI 49242
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