Bank Index
Southern Michigan Bank and Trust
Bank · Coldwater, United States · overall 5.1 / 10
Open in Bank Index
How this 5.1 is builtAverage of 6 scored needs: 5.1. Regulation in United States: 87/100 (World Bank governance indicators). Licence confirmed by a regulator's own list. 2 scores backed by filings or its own pages.
Southern Michigan Bank & Trust is recorded in the global register as a bank in Coldwater, United States. The register shows its licence as licensed. Total assets 1.68 bn USD at 2026-06-30. It reports 21 offices. Established 1872. Collected from open registers.
On its own website: “It is our mission to be a trusted partner working for the betterment of our communities.”
- Legal name
- Southern Michigan Bank & Trust
- Licence confirmed
- yes, on a regulator's own list
- Established
- 1872
- LEI
- 2549006ONI6N95VKB649
- Website
- www.smb-t.com/
Scores, 0 to 10
6.0United StatesLicensed and operating in its home country per the register entry; the depth of its offer here has not been checked yet. ·
source 6.0Financial strength & stability 5.5Cross-border payments, FX and multi-currency accountsHolds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. ·
source 5.0Best interest on business balancesHolds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. ·
source 5.0Trade, manufacturing & import-exportHolds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. ·
source 4.5Lowest feesThe bank's own page names the monthly account charge. Transfer and card prices were not read on that page, so this score speaks only for the monthly charge. It reads: “Monthly maintenance fee: $6.001” ·
source 4.5Fast digital onboardingHolds a banking licence, so it can hold deposits and run payments; the actual terms have not been checked yet. ·
source Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.