Branch Network
Southern Michigan Bank & Trust Locations & Branches Coldwater, Michigan
BankRegReports is independent of Southern Michigan Bank & Trust and never asks for online banking logins or passwords.
Southern Michigan Bank & Trust operates 20 branches from its headquarters in Coldwater, MI, .
Southern Michigan Bank & Trust branch network
All 20 branches are in MICHIGAN, across 13 cities. Coldwater, MI has the most of its branches, 4. Its largest office by deposits is its main office in Coldwater, MI, with $423.4M (30.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Southern Michigan Bank & Trust at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 9.04% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $1.68B
- Tier 1 leverage ratio, Q2 2026
- 9.04%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1872
Full financial profile · Is Southern Michigan Bank & Trust safe? · Southern Michigan Bank & Trust call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Coldwater, MI (4 branches) | 1 of 5 | 47.9% | $425.2M |
| State: MI (20 branches) | 21 of 95 | 0.5% | $1.40B |
Ranked by total assets among banks headquartered in the state: Largest banks in Michigan.
Share by county and metro area
Southern Michigan Bank & Trust's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Branch, MI (6 branches) | 1 of 6 | 47.4% | $485.2M | $1.02B |
| Calhoun, MI (3 branches) | 3 of 10 | 20.8% | $277.7M | $1.33B |
| St. Joseph, MI (6 branches) | 2 of 8 | 25.8% | $268.0M | $1.04B |
| Kalamazoo, MI (2 branches) | 8 of 13 | 3.3% | $145.1M | $4.40B |
| Hillsdale, MI (1 branch) | 2 of 5 | 16.3% | $125.3M | $770.2M |
| Jackson, MI (2 branches) | 5 of 12 | 4.2% | $103.0M | $2.44B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Coldwater, MI (6 branches) | 1 of 6 | 47.4% | $485.2M | $1.02B |
| Battle Creek, MI (3 branches) | 3 of 10 | 20.8% | $277.7M | $1.33B |
| Sturgis, MI (6 branches) | 2 of 8 | 25.8% | $268.0M | $1.04B |
| Kalamazoo-Portage, MI (2 branches) | 8 of 13 | 3.3% | $145.1M | $4.40B |
| Hillsdale, MI (1 branch) | 2 of 5 | 16.3% | $125.3M | $770.2M |
| Jackson, MI (2 branches) | 5 of 12 | 4.2% | $103.0M | $2.44B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Southern Michigan Bank & Trust (main office) | Coldwater, MI | 49036 | $423.4M |
| Portage Branch | Portage, MI | 49024 | $145.1M |
| Battle Creek Branch | Battle Creek, MI | 49015 | $134.2M |
| Hillsdale Branch | Hillsdale, MI | 49242 | $125.3M |
| Westland Branch | Three Rivers, MI | 49093 | $124.9M |
| Marshall Branch | Marshall, MI | 49068 | $117.2M |
| Jackson - the 200 Branch | Jackson, MI | 49201 | $71.1M |
| Union City Branch | Union City, MI | 49094 | $59.9M |
| Constantine Branch | Constantine, MI | 49042 | $47.5M |
| Mendon Branch | Mendon, MI | 49072 | $37.6M |
| Southern Michigan Bank & Trust Branch | Jackson, MI | 49203 | $31.9M |
| Centreville Branch | Centreville, MI | 49032 | $28.1M |
| Tekonsha Branch | Tekonsha, MI | 49092 | $26.3M |
| Sturgis Branch | Sturgis, MI | 49091 | $24.0M |
| Southern Michigan Bank & Trust Branch | Sturgis, MI | 49091 | $5.9M |
| East Chicago Branch | Coldwater, MI | 49036 | $1.9M |
| Southern Michigan Bank and Trust | Portage, MI | 49002 | $0 |
| Shopping Center Branch | Coldwater, MI | 49036 | $0 |
| The Motor Bank Branch | Union City, MI | 49094 | $0 |
| Chicago Street Branch | Coldwater, MI | 49036 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 5019) · FFIEC NIC profile (RSSD 822042)