Total Assets
$1.7B
Total Deposits
$1.4B
Branches
21
Established
1872
Southern Michigan Bank & Trust is a bank headquartered in Coldwater, Michigan, established in 1872. It holds $1.7B in total assets across 21 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Southern Michigan Bank & Trust earns a TFS Financial Health Grade of C+ (71.1/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
71.1 / 100
Average financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Southern Michigan Bank & TrustHQ | 45 W Pearl St | Coldwater | MI | 11 |
| Southern Michigan Bank & Trust | 5350 Beckley Road, B Drive North | Battle Creek | MI | 11 |
| Southern Michigan Bank & Trust | 235 E Main St | Centreville | MI | 11 |
| Southern Michigan Bank & Trust | 51 W Pearl St | Coldwater | MI | 23 |
| Southern Michigan Bank & Trust | 2 W Chicago St | Coldwater | MI | 11 |
| Southern Michigan Bank & Trust | 441 E Chicago St | Coldwater | MI | 23 |
| Southern Michigan Bank & Trust | 345 N Washington St | Constantine | MI | 11 |
| Southern Michigan Bank & Trust | 10 E Carleton Rd | Hillsdale | MI | 11 |
| Southern Michigan Bank & Trust | 3970 Weatherwax Drive | Jackson | MI | 11 |
| Southern Michigan Bank & Trust | 200 N. Jackson Street | Jackson | MI | 11 |
| Southern Michigan Bank & Trust | 113 West Michgan Avenue | Jackson | MI | 24 |
| Southern Michigan Bank & Trust | 1110 W Michigan Ave | Marshall | MI | 11 |
| Southern Michigan Bank & Trust | 136 N Nottawa St | Mendon | MI | 11 |
| Southern Michigan Bank & Trust | 531 W Kilgore Rd | Portage | MI | 11 |
| Southern Michigan Bank & Trust | 650 Trade Centre Way Ste 120 | Portage | MI | 11 |
| Southern Michigan Bank & Trust | 200 John St | Sturgis | MI | 11 |
| Southern Michigan Bank & Trust | 711 South Centerville Road | Sturgis | MI | 11 |
| Southern Michigan Bank & Trust | 202 N Main St | Tekonsha | MI | 11 |
| Southern Michigan Bank & Trust | 58665 U.S. 131 | Three Rivers | MI | 11 |
| Southern Michigan Bank & Trust | 225 N Broadway St | Union City | MI | 11 |
| Southern Michigan Bank & Trust | 405 N Broadway St | Union City | MI | 23 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
71.1
Tier 1 capital ratio
9.04%
Return on assets
0.85%
Non-performing loans
0.92%
Efficiency ratio
69.33%
Asset growth (YoY)
7.09%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.