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SOUTHERN MICHIGAN BANCORP, INC.

SOUTHERN MICHIGAN BANCORP, INC.
RSSD ID 1207824
51 WEST PEARL STREET Quarter Ended : 2025-12-31
COLDWATER, MI, 49036 Updated : 2026-03-07
WWW.SMB-T.COM

Institution Profile
Year Opened : 1982 Institution Type : Holding Company
Reserve District : Chicago Federal Regulator : FED
Entity Type : Financial Holding Company - Domestic Fiscal Year End : 12/31
Structure : Corporation (stock) S-Corp : No
External Auditor : CliftonLarsonAllen LLP
Related Bank / Thrift Assets Asset Concentration
 Southern Michigan Bank & Trust 1,664,450 Commercial Lending Specialization

Financial Reports
SC - Balance Sheet Report
SI - Income Statement Report
:· All Financial Reports ...

Financial Fast Facts
Balance Sheet
(USD, in thousands)
Income Statement
(USD, in thousands, ytd)



Total Assets157,197
Total Operating Income3,098
Total Liabilities 35,717
Total Operating Expenses3,024
Total Equity Capital121,480
Equity in Undistributed Income 11,534


Net income (loss)12,215



Miscellaneous

Cash Dividends Declared by Bank Holding Company2,961

Total Consolidated Assets of Bank Holding Company1,690,477






 

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