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Southern Michigan Bank & Trust
✓ FDIC-insured · Active FDIC Certificate #5019
Southern Michigan Bank & Trust is an FDIC-insured state-chartered bank that is not a Federal Reserve member (supervised by the FDIC), headquartered in Coldwater, Michigan, established in 1872. As of the 06/30/2026 FDIC call report, it reported $1.7B in total assets and $1.4B in deposits. FDIC location data lists 21 offices in Michigan. The FDIC classifies it as a community bank. It is owned by the holding company SOUTHERN MICHIGAN BCORP INC (Coldwater, MI).
Financial data as of the 06/30/2026 FDIC call report.
Where it operates
All 21 of Southern Michigan Bank & Trust's FDIC-listed offices are in Michigan. Browse banks in Coldwater for other local options.
Branch locations
| Southern Michigan Bank & Trust Shopping Center Branch · Limited Service - Drive Thru/Detached Facility | 51 W Pearl St Coldwater, MI 49036 Map ↗ |
| Southern Michigan Bank & Trust Union City Branch · Full Service - Brick And Mortar | 225 N Broadway St Union City, MI 49094 Map ↗ |
| Southern Michigan Bank & Trust Tekonsha Branch · Full Service - Brick And Mortar | 202 N Main St Tekonsha, MI 49092 Map ↗ |
| Southern Michigan Bank & Trust The Motor Bank Branch · Limited Service - Drive Thru/Detached Facility | 405 N Broadway St Union City, MI 49094 Map ↗ |
| Southern Michigan Bank & Trust East Chicago Branch · Limited Service - Drive Thru/Detached Facility | 441 E Chicago St Coldwater, MI 49036 Map ↗ |
| Southern Michigan Bank & Trust Battle Creek Branch · Full Service - Brick And Mortar | 5350 Beckley Road, B Drive North Battle Creek, MI 49015 Map ↗ |
| Southern Michigan Bank & Trust Chicago Street Branch · Full Service - Brick And Mortar | 2 W Chicago St Coldwater, MI 49036 Map ↗ |
| Southern Michigan Bank & Trust Mendon Branch · Full Service - Brick And Mortar | 136 N Nottawa St Mendon, MI 49072 Map ↗ |
| Southern Michigan Bank & Trust Westland Branch · Full Service - Brick And Mortar | 58665 U.S. 131 Three Rivers, MI 49093 Map ↗ |
| Southern Michigan Bank & Trust Constantine Branch · Full Service - Brick And Mortar | 345 N Washington St Constantine, MI 49042 Map ↗ |
| Southern Michigan Bank & Trust Centreville Branch · Full Service - Brick And Mortar | 235 E Main St Centreville, MI 49032 Map ↗ |
| Southern Michigan Bank & Trust Hillsdale Branch · Full Service - Brick And Mortar | 10 E Carleton Rd Hillsdale, MI 49242 Map ↗ |
| Southern Michigan Bank & Trust Southern Michigan Bank & Trust · Full Service - Brick And Mortar | 45 W Pearl St Coldwater, MI 49036 Map ↗ |
| Southern Michigan Bank & Trust Marshall Branch · Full Service - Brick And Mortar | 1110 W Michigan Ave Marshall, MI 49068 Map ↗ |
| Southern Michigan Bank & Trust Portage Branch · Full Service - Brick And Mortar | 531 W Kilgore Rd Portage, MI 49024 Map ↗ |
| Southern Michigan Bank & Trust Southern Michigan Bank And Trust · Full Service - Brick And Mortar | 650 Trade Centre Way Ste 120 Portage, MI 49002 Map ↗ |
| Southern Michigan Bank & Trust Sturgis Branch · Full Service - Brick And Mortar | 200 John St Sturgis, MI 49091 Map ↗ |
| Southern Michigan Bank & Trust Jackson Lpo Branch · Limited Service - Loan Production | 113 West Michgan Avenue Jackson, MI 49201 Map ↗ |
| Southern Michigan Bank & Trust Jackson - The 200 Branch · Full Service - Brick And Mortar | 200 N. Jackson Street Jackson, MI 49201 Map ↗ |
| Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch · Full Service - Brick And Mortar | 711 South Centerville Road Sturgis, MI 49091 Map ↗ |
| Southern Michigan Bank & Trust Southern Michigan Bank & Trust Branch · Full Service - Brick And Mortar | 3970 Weatherwax Drive Jackson, MI 49203 Map ↗ |
Holding company: SOUTHERN MICHIGAN BCORP INC
The FDIC lists SOUTHERN MICHIGAN BCORP INC, based in Coldwater, MI, as the top holding company for Southern Michigan Bank & Trust. The FDIC shows no other active insured banks under the same holding company.
Similar-size banks in Michigan
Active FDIC-insured banks headquartered in Michigan with total assets closest to Southern Michigan Bank & Trust's $1.7B. See all banks in Michigan.
| Bank | HQ city | Assets | Offices |
|---|---|---|---|
| Isabella Bank | Mount Pleasant | $2.2B | 32 |
| The Dart Bank | Mason | $1.5B | 4 |
| County National Bank | Hillsdale | $1.4B | 15 |
| First State Bank | Eastpointe | $1.3B | 11 |
| University Bank | Ann Arbor | $1.2B | 2 |
| West Michigan Community Bank | Hudsonville | $1.2B | 8 |
| Northstar Bank | Bad Axe | $1.2B | 11 |
| United Bank of Michigan | Grand Rapids | $1.1B | 13 |
Southern Michigan Bank & Trust: common questions
Is Southern Michigan Bank & Trust FDIC-insured?
Yes. Southern Michigan Bank & Trust is an active FDIC-insured institution, FDIC Certificate #5019. Deposits are insured up to $250,000 per depositor, per ownership category. You can confirm this on FDIC BankFind.
Where is Southern Michigan Bank & Trust headquartered?
Southern Michigan Bank & Trust is headquartered at 45 W Pearl St, Coldwater, MI 49036, according to FDIC records.
How many branches does Southern Michigan Bank & Trust have?
FDIC location data lists 21 offices for Southern Michigan Bank & Trust, all in Michigan.
Who owns Southern Michigan Bank & Trust?
The FDIC lists SOUTHERN MICHIGAN BCORP INC of Coldwater, MI as the top holding company for Southern Michigan Bank & Trust.
Source: FDIC BankFind Suite (institution, location, and call report data). BankNearMe.com does not rank or rate banks.