Southern Michigan Bank&Trust (FDIC #5019): Bank Stress & Real-Estate Credit Exposure
Southern Michigan Bank&Trust (FDIC Cert #5019): bank stress 76/100, severe, STABLE over 7 days; parent SOUTHERN MICHIGAN BCORP INC.
Southern Michigan Bank&Trust (#5019) lends in 6 counties across 1 state; Southern Michigan Bank&Trust (#5019) reaches 94 ZIP codes: Michigan 6 counties, 94 ZIPs.
Southern Michigan Bank&Trust (#5019) largest markets: Jackson County, MI (58 branches, 29 ZIPs) (#5019), Kalamazoo County, MI (50 branches, 25 ZIPs) (#5019), Calhoun County, MI (66 branches, 22 ZIPs) (#5019), Hillsdale County, MI (19 branches, 19 ZIPs) (#5019), Branch County, MI (78 branches, 13 ZIPs) (#5019), St. Joseph County, MI (78 branches, 13 ZIPs) (#5019).
Southern Michigan Bank&Trust (#5019) reports $1.68 billion in total assets; Southern Michigan Bank&Trust (#5019) equity $155.7 million (9.3% of Southern Michigan Bank&Trust (#5019) assets); Southern Michigan Bank&Trust (#5019) domestic deposits $1.40 billion; Southern Michigan Bank&Trust (#5019) net income $7.2 million; Southern Michigan Bank&Trust (#5019) return on assets 0.85%; Southern Michigan Bank&Trust (#5019) return on equity 9.43%; Southern Michigan Bank&Trust (#5019) net interest income $27.3 million; Southern Michigan Bank&Trust (#5019) call report June 30, 2026.
Southern Michigan Bank&Trust (#5019) noncurrent real-estate loans 0.15% of its book; Southern Michigan Bank&Trust (#5019) residential 0.25%; Southern Michigan Bank&Trust (#5019) net charge-offs on real estate 1.10%; Southern Michigan Bank&Trust (#5019) residential charge-offs 1.74%.
Southern Michigan Bank&Trust (#5019) net interest margin 3.48% against an eight-quarter Southern Michigan Bank&Trust (#5019) average of 3.28% (Southern Michigan Bank&Trust (#5019) compression -0.20 points); Southern Michigan Bank&Trust (#5019) real-estate loans 14.6% of equity; Southern Michigan Bank&Trust (#5019) non-residential real estate 174.1% of equity; Southern Michigan Bank&Trust (#5019) rate-exposure score 40/100, Southern Michigan Bank&Trust (#5019) fixed-rate trap 40/100; Southern Michigan Bank&Trust (#5019) risk type credit driven; Southern Michigan Bank&Trust (#5019) rate regime rates elevated, Southern Michigan Bank&Trust (#5019) snapshot October 19, 2026.
Southern Michigan Bank&Trust (#5019) stress score moved from 75.8 on June 22, 2026 to 76.1 on October 19, 2026; Southern Michigan Bank&Trust (#5019) ranged 75.8 to 76.1 over 116 snapshots.
Southern Michigan Bank&Trust (#5019) alerts: 6 counties; top Southern Michigan Bank&Trust (#5019) alert scores: Jackson County, MI 53 (elevated); Hillsdale County, MI 50 (elevated); Portage County, MI 26 (low); Tekonsha County, MI 26 (low); Three Rivers County, MI 26 (low).