Southern Michigan Bank & Trust
Southern Michigan Bank & Trust quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.7B | $1.4B | $1.3B | $152M | $4M | 0.85% | 9.57% | 3.35% | 0.90% |
| Q4 2025 | $1.7B | $1.4B | $1.3B | $150M | $3M | 0.91% | 10.25% | 3.32% | 0.98% |
| Q3 2025 | $1.7B | $1.4B | $1.2B | $146M | $4M | 0.93% | 10.54% | 3.32% | 1.02% |
| Q2 2025 | $1.6B | $1.3B | $1.2B | $141M | $4M | 0.96% | 10.83% | 3.34% | 0.01% |
| Q1 2025 | $1.6B | $1.3B | $1.1B | $137M | $4M | 0.93% | 10.55% | 3.20% | 0.06% |
| Q4 2024 | $1.5B | $1.3B | $1.1B | $134M | $3M | 0.80% | 9.14% | 3.12% | 0.08% |
| Q3 2024 | $1.5B | $1.3B | $1.1B | $133M | $3M | 0.79% | 8.99% | 3.09% | 0.08% |
| Q2 2024 | $1.5B | $1.2B | $1.1B | $128M | $3M | 0.79% | 9.08% | 3.09% | 0.09% |
| Q1 2024 | $1.5B | $1.2B | $1.0B | $126M | $3M | 0.81% | 9.38% | 3.10% | 0.08% |
| Q4 2023 | $1.4B | $1.2B | $1.0B | $123M | $3M | 0.93% | 11.03% | 3.29% | 0.09% |
| Q3 2023 | $1.4B | $1.2B | $1.0B | $115M | $3M | 0.97% | 11.69% | 3.28% | 0.10% |
| Q2 2023 | $1.4B | $1.2B | $988M | $115M | $3M | 0.97% | 11.57% | 3.32% | 0.11% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.