$1.31B
+14.9%y/y
Percentile by value66th percentileby value
FDIC
LNLSGRSM
Southern Michigan Bank & Trust
Coldwater, MichiganFDIC Cert #5019
STATEEstablished 187221 branches
Holding company: SOUTHERN MICHIGAN BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $178M |
| Investor CRE | $470M |
| Multifamily | $134M |
| Construction | $40.9M |
| 1–4 family | $212M |
| C&I | $177M |
| Agriculture | $84M |
| Other | $10.9M |
Loan book
Reported balances and balance-sheet intensity.
$1.29B
+14.8%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET+14.81%
+98.4%y/y
Percentile by value84th percentileby value
FDIC
LNLSNET90.0%
+5.7%y/y
Percentile by value68th percentileby value
FDIC
LNLSNET + DEP75.8%
+5.2%y/y
Percentile by value66th percentileby value
FDIC
LNLSNET + ASSET84.94%
−2.7%y/y
Percentile by value52nd percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
389%
−2.6%y/y
Percentile by value95th percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC25%
−41.1%y/y
Percentile by value21st percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC2,064points
−2.4%y/y
Peer standing47th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD13.65%
+15.2%y/y
Percentile by value55th percentileby value
FDIC
LNRENROW + LNLSGR35.93%
−4.8%y/y
Percentile by value91st percentileby value
FDIC
LNRENROT + LNLSGR13.55%
+19.4%y/y
Percentile by value61st percentileby value
FDIC
LNCI + LNLSGR