Southern Michigan Bank & Trust
Chartered Bank Active FDIC Insured
Health Score
9.0 / 10
45 W Pearl St, Coldwater, MI 49036
Financial Overview
Total Assets $1.70B
Total Deposits $1.44B
Profitability (ROA) 0.85%
Shareholder Return (ROE) 9.57%
Capital Cushion (Eq/Assets) 8.90%
Established 01/16/1872
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$68.4M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.smb-t.com
FDIC Certificate #: 5019
Specialization: Commercial Lending Specialization