SOUTHERN MICHIGAN BANK & TRUST is aln large FDIC-insured commercial bank headquartered in COLDWATER, MI, established in Jan. 16, 1872, midnight. As of 2025-12-31, the bank reported total assets of $1.7B and total deposits of $1.4B. Profitability stands at 0.83% ROA and 9.40% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 11.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.95% and a Texas Ratio of 9.52%. FDIC Certificate #5019.
Assets
$1.7B
Deposits
$1.4B
Loans
$1.3B
Equity
$150M
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