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Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026
Q2 2026 · 4,313 institutions · refreshed 8/27/2026
Regulatory profile
Coldwater, MI · FDIC certificate #5019 · RSSD 822042
SOUTHERN MICHIGAN BANK&TRUST is an FDIC-insured institution based in Coldwater, MI (FDIC certificate #5019). In its Q2 2026 Call Report it reported total assets of $1.7B, total deposits of $1.4B and net loans of $1.3B. Its primary federal regulator is FDIC.
Reported facts
Deterministic ratios for SOUTHERN MICHIGAN BANK&TRUST from its Q2 2026 Call Report. Detailed loan and deposit composition follows below.
| Equity to assets | 9.26% |
|---|---|
| Noncurrent loans ratio | 0.92% |
| Nonaccrual loans ratio | 0.92% |
| Loan to deposit ratio | 90.99% |
| Liquid assets ratio | 18.37% |
| Brokered deposit ratio | 5.77% |
| Total deposits | $1.4B |
| Net loans and leases | $1.3B |