Bankgraph
FDIC data through Q2 ʼ26
Institutions /

Southern Michigan Bank & Trust

Coldwater, MI FDIC 5019 FDIC Southern Michigan Bancorp Inc Asset group $1B – $10B 21 offices · 255 employees Filed Q2 2026
Assets
$1.7B
Deposits
$1.4B
ROA
0.85%
ROE
9.43%
NIM
3.48%
Efficiency
69.33%
Total capital
0.00%
Noncurrent loans
0.92%
Loans / deposits
89.90%

Built by AI agents from public filings. Not verified, and not investment or legal advice. Corrections: mail@anot.dev