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 Southern Michigan Bank & Trust
Southern Michigan Bank & Trust
| RSSD ID 822042 | CERTIFICATE 5019 | ABA NUMBER 72402283 |
| 45 W Pearl St |
Quarter Ended : |
2025-12-31 |
| Coldwater, Michigan, 49036 |
Updated : |
2026-01-30 |
| 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 : |
251 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,690,396 |
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Total Interest Income | 83,398 |
| Total Liabilities | 1,540,446 |
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Total NonInterest Income | 9,888 |
| Total Bank Equity Capital | 149,950 |
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Total Interest Expense | 34,358 |
| Total Deposits | 1,423,232 |
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Total NonInterest Expense | 38,447 |
| Net Loans & Leases | 1,257,855 |
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Net Income | 14,501 |
| Loan Loss Allowance | 15,553 |
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Net Charge Offs | 53 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 163,118 |
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Total loans | 1,250,285 |
| Total assets for the leverage ratio | 1,641,724 |
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Loans secured by real estate: | 1,047,014 |
| Tier 1 Leverage Ratio | 8.95 |
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Commercial and industrial loans | 170,401 |
| Tier 1 Capital Ratio | 11.01 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.23 |
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Loans to individuals - Other | 5,341 |
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:· Southern Michigan Bank & Trust
