FDIC-insured bank
Southern Michigan Bank & Trust — Coldwater, MI
Bank headquartered in Coldwater, Michigan, part of SOUTHERN MICHIGAN BCORP INC.
Source: FDIC BankFind Suite, data as of June 30, 2026, fetched September 5, 2026
Headquarters and contact
| Address | 45 W Pearl St Coldwater, MI 49036 |
| County | Branch |
| Metro area | Coldwater, MI |
| Website | www.smb-t.com |
| Phone | not published in FDIC data, see the bank's website |
FDIC record
| FDIC Certificate | 5019 |
| Federal Reserve RSSD ID | 822042 |
| Status | Active |
| Charter class | NM (STATE) |
| Holding company | SOUTHERN MICHIGAN BCORP INC |
| Domestic offices | 21 |
| Financials as of | June 30, 2026 |
How to find your Southern Michigan Bank & Trust routing number
FDIC does not publish ABA routing numbers, and many banks use different routing numbers by state or by account type. The reliable places to find yours: the bottom left of a check from this bank, the "account details" screen in its online banking, or its official website at www.smb-t.com.
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Offices nearest to headquarters
| Southern Michigan Bank & Trust main office Coldwater, MI |
45 W Pearl St, 49036 |
| Shopping Center Branch Coldwater, MI |
51 W Pearl St, 49036 |
| Chicago Street Branch Coldwater, MI |
2 W Chicago St, 49036 |
| East Chicago Branch Coldwater, MI |
441 E Chicago St, 49036 |
| Tekonsha Branch Tekonsha, MI |
202 N Main St, 49092 |
| Union City Branch Union City, MI |
225 N Broadway St, 49094 |
| The Motor Bank Branch Union City, MI |
405 N Broadway St, 49094 |
| Marshall Branch Marshall, MI |
1110 W Michigan Ave, 49068 |
| Hillsdale Branch Hillsdale, MI |
10 E Carleton Rd, 49242 |
| Battle Creek Branch Battle Creek, MI |
5350 Beckley Road, B Drive North, 49015 |
| Sturgis Branch Sturgis, MI |
200 John St, 49091 |
| Southern Michigan Bank & Trust Branch Sturgis, MI |
711 South Centerville Road, 49091 |
21 offices in total. Browse them by city through the state pages.
Where Southern Michigan Bank & Trust has offices
Cities with the most Southern Michigan Bank & Trust offices
Other banks headquartered in Coldwater
| Century Bank and Trust | $493.99 million |
Largest banks headquartered elsewhere in Michigan
| Northpointe Bank Grand Rapids | $7.53 billion |
| First National Bank of America East Lansing | $6.82 billion |
| Mercantile Bank Grand Rapids | $6.24 billion |
| Independent Bank Grand Rapids | $5.66 billion |
| ChoiceOne Bank Sparta | $4.45 billion |
| Macatawa Bank, National Association Holland | $3.69 billion |
| Bank of Ann Arbor Ann Arbor | $3.50 billion |
| Isabella Bank Mount Pleasant | $2.17 billion |
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