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
Across all 13 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.
At a Glance
Dominant CRA Rating
Satisfactory
1 of 1 bank · Meets expectations for community lending
Combined Assets
$1.7B
1 active bank
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
Aggregated HMDA data across all active charters for 2024.
Applications
348
Origination Rate
71.55%
Denial Rate
10.63%
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 banking group. Asset figures are from the most recent FDIC call report.