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This institution is no longer active

This bank has been closed or merged. CRA examination history below reflects the period it was active.

SOUTHERN MICHIGAN NATIONAL BANK

COLDWATER, MI · Supervised by OCC (Office of the Comptroller of the Currency)

Satisfactory

Current rating · Exam: January 1991

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Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 8, 1991

Exam Type

Not Reported

Regulator

OCC (Office of the Comptroller of the Currency)

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⚠️This exam is 35 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial, branch, mortgage lending, and complaint data not available

This institution does not have a matched FDIC certificate in our database. Call Report financials, branch footprint, HMDA lending data, and CFPB complaints are sourced via FDIC cert and cannot be displayed without it.

This is the only examination on record for this bank.

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