$1.7B
+9.2%y/y
Percentile by value60th percentileby value
FDIC
ASSETSM
Southern Michigan Bank & Trust
Coldwater, MichiganFDIC Cert #5019
STATEEstablished 187221 branches
Holding company: SOUTHERN MICHIGAN BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMBalance sheet & income statement
Financials
Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.
As of Q1 2026
Balance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.12B | $953M |
| Q3 2021 | $1.14B | $971M |
| Q4 2021 | $1.16B | $983M |
| Q1 2022 | $1.22B | $1.07B |
| Q2 2022 | $1.18B | $1.04B |
| Q3 2022 | $1.24B | $1.1B |
| Q4 2022 | $1.27B | $1.1B |
| Q1 2023 | $1.32B | $1.14B |
| Q2 2023 | $1.41B | $1.19B |
| Q3 2023 | $1.43B | $1.2B |
| Q4 2023 | $1.41B | $1.16B |
| Q1 2024 | $1.47B | $1.22B |
| Q2 2024 | $1.45B | $1.21B |
| Q3 2024 | $1.51B | $1.27B |
| Q4 2024 | $1.5B | $1.26B |
| Q1 2025 | $1.56B | $1.32B |
| Q2 2025 | $1.57B | $1.31B |
| Q3 2025 | $1.66B | $1.4B |
| Q4 2025 | $1.69B | $1.42B |
| Q1 2026 | $1.7B | $1.44B |
Balance sheet
Core assets, funding, and capital reported at quarter end.
$1.44B
+8.6%y/y
Percentile by value60th percentileby value
FDIC
DEP$1.31B
+14.9%y/y
Percentile by value66th percentileby value
FDIC
LNLSGR$1.29B
+14.8%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET$218M
−2.4%y/y
Percentile by value43rd percentileby value
FDIC
SC$87.6M
−24.3%y/y
Percentile by value42nd percentileby value
FDIC
CHBAL$1.55B
+9.0%y/y
Percentile by value61st percentileby value
FDIC
LIAB$152M
+10.5%y/y
Peer standing46th percentile
FDIC
EQIncome statement
Year-to-date reported earnings and core revenue components.
$15.7M
+14.9%y/y
Peer standing50th percentile
FDIC
NIM + NONII$13.2M
+16.8%y/y
Peer standing49th percentile
FDIC
NIM$2.49M
+5.6%y/y
Peer standing59th percentile
FDIC
NONII$758K
+362.2%y/y
Percentile by value76th percentileby value
FDIC
ELNATR$4.34M
+0.3%y/y
Peer standing28th percentile
FDIC
PTAXNETINC$3.61M
+1.0%y/y
Peer standing30th percentile
FDIC
NETINC