Southern Michigan Bank & Trust is a bank based in Coldwater, Michigan, established in 1872, with $1.7 billion in total assets across 21 branches. By Trust Grade it ranks 46th of 73 banks we track in Michigan. Its capital ratio of 8.9% trails most similarly sized banks (21th percentile), versus a Michigan median of 9.6%. It was profitable over the most recent period, with a 0.85% return on assets. No consumer complaints against Southern Michigan Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Southern Michigan Bank & Trust compares to Michigan peers
How we graded Southern Michigan Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.9% capital ratio)
- Profitable (ROA 0.85%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Southern Michigan Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (21)
- 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
- 45 W Pearl St, Coldwater, MI 49036
- 1110 W Michigan Ave, Marshall, MI 49068
- 531 W Kilgore Rd, Portage, MI 49024
- 650 Trade Centre Way Ste 120, Portage, MI 49002
- 200 John St, Sturgis, MI 49091
- 113 West Michgan Avenue, Jackson, MI 49201
- 200 N. Jackson Street, Jackson, MI 49201
- 711 South Centerville Road, Sturgis, MI 49091
- 3970 Weatherwax Drive, Jackson, MI 49203
Are deposits at Southern Michigan Bank & Trust insured?
Yes. Southern Michigan Bank & Trust is an FDIC-insured bank (FDIC certificate #5019). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Southern Michigan Bank & Trust: frequently asked questions
Is Southern Michigan Bank & Trust a good bank?
Southern Michigan Bank & Trust earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Well-capitalized (8.9% capital ratio); Profitable (ROA 0.85%).
Is Southern Michigan Bank & Trust FDIC-insured?
Yes. Southern Michigan Bank & Trust is a FDIC-insured bank (FDIC certificate #5019). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Southern Michigan Bank & Trust?
Southern Michigan Bank & Trust holds $1.7 billion in total assets, ranking 46th of 73 banks we track in Michigan. It operates 21 branches.
Does Southern Michigan Bank & Trust have CFPB complaints?
No CFPB complaints against Southern Michigan Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
