SOUTHERN MICHIGAN BCORP INC is the bank holding company. SOUTHERN MICHIGAN BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

FHD

SOUTHERN MICHIGAN BCORP INC

Legal name: SOUTHERN MICHIGAN BANCORP, INC.

1 active bank · 1 merged/absorbed · $1.7B combined assets

RSSD ID: 1207824 (FFIEC NIC)

Combined Assets

$1.7B

CRA Rating Summary

Satisfactory1charter

Across all 13 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankSOUTHERN MICHIGAN BANK & TRUSTCOLDWATER, MISatisfactory$1.7BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$1.7B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$1.4B

Net Income

$4M

ROA (avg)

0.85%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2024Lender rankings →

Aggregated HMDA data across all active charters for 2024.

Applications

348

Origination Rate

71.55%

Denial Rate

10.63%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
SOUTHERN MICHIGAN BANK & TRUST	COLDWATER, MI	FDIC	$1.7B	100.0%	Satisfactory	Aug 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.