Listed locations
20
Institution profile
Southern Michigan Bank & Trust
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- Southern Michigan Bank & Trust
- Display name
- Southern Michigan Bank & Trust
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- January 16, 1872
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Coldwater, MI, 49036, United States
- Website
- https://www.smb-t.com
- FDIC certificate number
- 5019
- Federal Reserve RSSD ID
- 822042
- Domestic location count
- 21
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 5019
- Federal Reserve RSSD ID
- 822042
- LEI
- 2549006ONI6N95VKB649
- Headquarters
- 51 West Pearl Street, Coldwater, MI, 49036, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 20 of 20 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| BATTLE CREEK BRANCH | 5350 Beckley Road | Battle Creek | MI | 49015 |
| CENTREVILLE BRANCH | 235 East Main Street | Centreville | MI | 49032 |
| COLDWATER BRANCH | 45 West Pearl Street | Coldwater | MI | 49036 |
| COLDWATER-DRIVE THRU BRANCH | 441 East Chicago Street | Coldwater | MI | 49036 |
| COURIER SERVICE BRANCH | 51 West Pearl Street | Coldwater | MI | 49036 |
| LENDING CENTER | 2 West Chicago Street | Coldwater | MI | 49036 |
| CONSTANTINE BRANCH | 345 North Washington Street | Constantine | MI | 49042 |
| HILLSDALE BRANCH | 10 East Carleton Road | Hillsdale | MI | 49242 |
| JACKSON - THE 200 BRANCH | 200 North Jackson Street | Jackson | MI | 49201 |
| JACKSON SUMMIT BRANCH | 3970 Weatherwax Drive | Jackson | MI | 49203 |
| MARSHALL BRANCH | 1110 West Michigan Avenue | Marshall | MI | 49068 |
| MENDON BRANCH | 136 North Nottawa | Mendon | MI | 49072 |
| PORTAGE BRANCH | 531 West Kilgore | Portage | MI | 49024 |
| TRADE CENTRE PORTAGE BRANCH | 650 Trade Centre Way Suite 120 | Portage | MI | 49002 |
| STURGIS BRANCH | 200 John Street | Sturgis | MI | 49091 |
| STURGIS SOUTH BRANCH | 711 South Centerville Road | Sturgis | MI | 49091 |
| TEKONSHA BRANCH | 202 North Main Street | Tekonsha | MI | 49092-9457 |
| WESTLAND BRANCH | 225 US 131 | Three Rivers | MI | 49093 |
| UNION CITY BRANCH | 405 North Broadway | Union City | MI | 49094 |
| UNION CITY OFFICE | 225 North Broadway Street | Union City | MI | 49094 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- August 1, 2025
- Regulator
- FDIC
- Examination method
- Intermediate Small Bank
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| August 1, 2025 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2022 | Satisfactory | FDIC | Intermediate Small Bank |
| September 1, 2019 | Satisfactory | FDIC | Intermediate Small Bank |
| December 1, 2016 | Satisfactory | FDIC | Intermediate Small Bank |
| January 1, 2014 | Satisfactory | FDIC | Intermediate Small Bank |
| November 1, 2010 | Satisfactory | FDIC | Intermediate Small Bank |
| March 1, 2007 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2004 | Satisfactory | FDIC | Large Bank Exam |
| May 1, 2001 | Satisfactory | FDIC | Small Bank |
| June 1, 1998 | Outstanding | FDIC | Small Bank |
| June 1, 1995 | Outstanding | FDIC | Not Reported |
| June 1, 1993 | Outstanding | FDIC | Not Reported |
Institutional history
3 FFIEC NIC history events
Showing 1 through 3 of 3 history events
| Event date | Event type | Related institution |
|---|---|---|
| April 25, 2009 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| April 1, 1969 | Charter Discontinued (Merger or Purchase & Assumption) | FIRST STATE BANK |
| September 1, 1965 | Charter Discontinued (Merger or Purchase & Assumption) | UNION CITY NATIONAL BANK |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
3 FFIEC NIC relationship records
Showing 1 through 3 of 3 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | SMB FINANCIAL SERVICES, INC. | Domestic Entity Other | Coldwater, MI |
| Direct relationship | SMBT INVESTMENTS INC. | Domestic Entity Other | Las Vegas, NV |
| ROOT_INSTITUTION | SOUTHERN MICHIGAN BANK & TRUST | Non-member Bank | Coldwater, MI |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank