Southern Michigan Bank & Trust: Balance Sheet
Data as of · Call Report Schedule RC How we update
Assets, liabilities and equity as reported on Schedule RC, the statement every other page on this profile is derived from.
Other real estate owned dropped 45.8% in Q2 2026, from $3.7M to $2.0M. It was the largest change from Q1 2026 among the key lines here. Within Michigan, Southern Michigan Bank & Trust is 9th of 72 on total assets, $1.68B as of Q2 2026, above the middle of the field. Southern Michigan Bank & Trust reported $1.68B on total assets for Q2 2026, 17% below the $2.02B median for banks in the $1B-10B asset tier.
Assets
| Line item | Q2 2026 |
|---|---|
| Total assets | $1.68B |
| Cash and balances due from depository institutions | — |
| Total securities | $225.7M |
| Fed funds sold and reverse repos | $219K |
| Net loans and leases | $1.26B |
| Loans held for sale | $2.2M |
| Trading account assets | $0 |
| Premises and fixed assets | $26.9M |
| Other real estate owned | $2.0M |
| Goodwill and other intangibles | $14.6M |
| All other assets | $58.4M |
Liabilities
| Line item | Q2 2026 |
|---|---|
| Total liabilities | $1.53B |
| Total deposits | $1.40B |
| Fed funds purchased and repos | $787K |
| Trading liabilities | $0 |
| Other borrowed money | $100.9M |
| Subordinated notes and debentures | $0 |
| All other liabilities | $19.8M |
Equity capital
| Line item | Q2 2026 |
|---|---|
| Total equity capital | $155.7M |
| Common stock | $1.4M |
| Common stock surplus | $85.6M |
| Retained earnings | $79.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$10.3M |
| Total liabilities and equity capital | $1.68B |
Balance Sheet trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Balance Sheet by quarter
| Quarter | Total assets | Total liabilities | Net loans and leases | Securities |
|---|---|---|---|---|
| Q3 2023 | $1.43B | $1.31B | $1.03B | $225.7M |
| Q4 2023 | $1.41B | $1.29B | $1.02B | $229.5M |
| Q1 2024 | $1.47B | $1.35B | $1.05B | $222.4M |
| Q2 2024 | $1.45B | $1.33B | $1.06B | $223.6M |
| Q3 2024 | $1.51B | $1.37B | $1.07B | $219.7M |
| Q4 2024 | $1.50B | $1.36B | $1.10B | $219.8M |
| Q1 2025 | $1.56B | $1.42B | $1.13B | $223.3M |
| Q2 2025 | $1.57B | $1.43B | $1.18B | $229.4M |
| Q3 2025 | $1.66B | $1.52B | $1.21B | $219.7M |
| Q4 2025 | $1.69B | $1.54B | $1.26B | $218.7M |
| Q1 2026 | $1.70B | $1.55B | $1.29B | $217.9M |
| Q2 2026 | $1.68B | $1.53B | $1.26B | $225.7M |
Southern Michigan Bank & Trust balance sheet, all the way back
Balance Sheet back to 2001 · peer percentiles on every line item · Excel export
Unlock Southern Michigan Bank & Trust, freeSource: Call Report Schedule RC, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Southern Michigan Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5019) · FFIEC NIC profile (RSSD 822042)