Can Southern Michigan Bank & Trust fund you? The bank behind the loans
Total assets
$1.7B
▲ 0.9% vs prior quarter
Deposits on hand
$1.4B
▲ 0.9% vs prior quarter
Loans outstanding
$1.3B
▲ 2.7% vs prior quarter
Net income (latest qtr)
$3.6M
•SBA is a sideline here — this year's production is a rounding error against the loan book. Your deal competes with everything else they'd rather fund; a specialist bank will usually move faster. That makes Southern Michigan Bank & Trust more SBA-focused than 46% of the banks on our record.
•Deposits grew last quarter — more raw lending capacity than the quarter before.
•Return on assets of 0.85% — under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.
FDIC call-report data, quarter ending 03/2026.
Free · No obligation · Usually same-day
Get in touch with Southern Michigan Bank & Trust
Tell us where to reach you and we'll arrange the introduction — to Southern Michigan Bank & Trust or a comparable SBA specialist who fits your deal even better.
Walk into a Southern Michigan Bank & Trust branch (21)
Southern Michigan Bank & TrustMain office45 W Pearl StColdwater, MI 49036 · since 1872
Shopping Center Branch51 W Pearl StColdwater, MI 49036 · since 1962 · limited service
Union City Branch225 N Broadway StUnion City, MI 49094 · since 1965
Mendon Branch136 N Nottawa StMendon, MI 49072 · since 1967
Tekonsha Branch202 N Main StTekonsha, MI 49092 · since 1969
The Motor Bank Branch405 N Broadway StUnion City, MI 49094 · since 1974 · limited service
East Chicago Branch441 E Chicago StColdwater, MI 49036 · since 1977 · limited service
Westland Branch58665 U.S. 131Three Rivers, MI 49093 · since 1980
Hillsdale Branch10 E Carleton RdHillsdale, MI 49242 · since 1980
Battle Creek Branch5350 Beckley Road, B Drive NorthBattle Creek, MI 49015 · since 1990
Scroll for all 21 branches · Branch data: FDIC BankFind.
Recent deals
GS21, Inc.in Paw Paw, MI — $2.0M (2026) · Gasoline Stations with Convenience Stores
DealRoom analysis of public lending records, FY2020–present. Not affiliated with Southern Michigan Bank & Trust.
AI summary
Southern Michigan Bank & Trust is an SBA lender tracked by DealRoom.so SBA Intelligence, with lending activity broken down by state, industry, and loan size from public records. DealRoom is not a lender.
Source: DealRoom.so SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. DealRoom is not a lender and does not guarantee financing.
Find the bank most likely to fund your deal
Southern Michigan Bank & Trust is one of 1,000+ SBA lenders on record — and they all have different appetites. Tell us your deal size, industry, and location, and we'll point you to the banks that fund deals like yours.
Free · No documents · Usually same-day
Constantine Branch345 N Washington StConstantine, MI 49042 · since 1991
Chicago Street Branch2 W Chicago StColdwater, MI 49036 · since 1996
Centreville Branch235 E Main StCentreville, MI 49032 · since 1998
Marshall Branch1110 W Michigan AveMarshall, MI 49068 · since 2007
Portage Branch531 W Kilgore RdPortage, MI 49024 · since 2016
Southern Michigan Bank And Trust650 Trade Centre Way Ste 120Portage, MI 49002 · since 2019
Sturgis Branch200 John StSturgis, MI 49091 · since 2022
Jackson Lpo Branch113 West Michgan AvenueJackson, MI 49201 · since 2022 · limited service
Jackson - The 200 Branch200 N. Jackson StreetJackson, MI 49201 · since 2023
Southern Michigan Bank & Trust Branch711 South Centerville RoadSturgis, MI 49091 · since 2024
Southern Michigan Bank & Trust Branch3970 Weatherwax DriveJackson, MI 49203 · since 2024
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.