Bank Holding Company
SOUTHERN MICHIGAN BCORP INC
1 active bank · 1 merged/absorbed · $1.7B combined assets
RSSD ID: 1207824
Combined Assets
$1.7B
CRA Rating Summary
Satisfactory1charter
Bank Charters
Each charter is examined independently for CRA compliance. Legacy entities were merged or absorbed during corporate consolidation.
SOUTHERN MICHIGAN BANK & TRUST
COLDWATER, MI · FDIC · $1.7B
SatisfactoryFNB FINANCIAL
Merged 2009THREE RIVERS, MI · FDIC · $152M
Satisfactory
| Charter | Location | Regulator | Assets | Current Rating | Exam Date |
|---|---|---|---|---|---|
| SOUTHERN MICHIGAN BANK & TRUST | COLDWATER, MI | FDIC | $1.7B | Satisfactory | Aug 2025 |
| FNB FINANCIALMerged 2009 | THREE RIVERS, MI | FDIC | $152M | Satisfactory | Aug 2008 |
CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.