Southern Michigan Bank & Trust CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews
To see how these rates compare to Southern Michigan Bank & Trust CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Southern Michigan Bank & Trust, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Southern Michigan Bank & Trust CD rates. You can also compare Southern Michigan Bank & Trust savings rates, MMA rates and mortgage rates using our other rate lists. Southern Michigan Bank & Trust money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Southern Michigan Bank & Trust? Share your experience about Southern Michigan Bank & Trust by leaving a review below, or read customer reviews before you decide to use Southern Michigan Bank & Trust. Southern Michigan Bank & Trust Texas Ratio Southern Michigan Bank & Trust's Texas Ratio is at 1.01%, which is considered excellent. The Texas Ratio for Southern Michigan Bank & Trust is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. Overall, Southern Michigan Bank & Trust is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars. Compare Southern Michigan Bank & Trust Rates with Other Competitive Bank and Credit Union Rates
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rates April 26, 2025Show More
The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed. Our apologies, we do not have Southern Michigan Bank & Trust rate data right now, check back for updates, we are adding rates all the time. Southern Michigan Bank & Trust InformationSouthern Michigan Bank & Trust
45 W Pearl StColdwater, MI 49036 Branch Established Date: 01/16/1872 FDIC Certificate #: 5019 Date of FDIC Deposit Insurance: 01/01/1934 Bank Holding Company: SOUTHERN MICHIGAN BCORP INC How Many Domestic U.S. Offices? 18 How Many Branches are There? 19 Website: https://www.smb-t.com
Is Southern Michigan Bank & Trust FDIC Insured? Yes
What is Southern Michigan Bank & Trust's Cert number? 5019
What is the maximum amount for insured deposits? $250,000 per holder, per account
Southern Michigan Bank & Trust FinancialsTotal Assets:
$1,474,685,000
Total Deposits:
$1,215,898,000
Equity Capital:
$125,708,000
Domestic Deposits:
$1,215,898,000
Net Income:
$2,921,000
Return on Assets:
0.9713%
Quarterly Return on Assets:
0.8100%
Pretax Return on Assets:
1.0042%
Pretax Quarterly Return on Assets:
1.0000%
Return on Equity:
11.6900%
Quarterly Return on Equity:
9.3800%
Common Equity Tier 1 Capital Ratio:
10.9928%
Tier 1 Risk-Based Capital Ratio:
10.9928%
Leverage Tier 1 (Core Capital) Ratio:
8.8195%
Total Risk-Based Capital Ratio (YTD):
12.0679%
Total Interest Income (YTD):
5.0283%
Headquarters:
Coldwater
FDIC Field Office:
Detroit
Regulator:
FDIC
County:
Branch
# of Offices:
18
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024
Explore Other Rate DealsFirst Internet Bank of Indiana Savings 50K rates are now at 0.60 percent with a yield of 0.60 percent. View the current Savings 50K rates at First Internet Bank of Indiana below.
 Mortgage rates are mostly higher this week over last following bond yields higher. 30 year conforming mortgage rates bounced off a record low made last week. Current 30 year conforming mortgage rates are averaging 4.42 percent. Conforming 15 year mortgage rates which tied a record low last week were also higher this week. 15 year conforming mortgage rates are averaging 3.87 percent.
 Mortgage rates edged up slightly again in our latest Mortgage Rate Survey. Conforming 30 year fixed mortgage rates are higher this week but are still below 5.00 percent for the fourth consecutive week.
Bank or Credit Union Offers and DealsMortgage Rates: APY vs. APRMortgage Interest Rates Decrease and Mortgage Applications Increase: Average Contract Rate on 30 Year Mortgages at 4.78% Disappointing Jobs Numbers will Force Mortgage Rates Lower Breakdown of the Top Savings Rates and Money Market Rates This Week Navy Federal Credit Union $2,500 Towards Closing Costs Home Mortgage Rates Plunge Hitting Another Record Low: 30 Year Conforming Mortgage Rates at 4.07%, 30 Year Jumbo Mortgage Rates at 4.65% Mortgage Rates Decline in Mortgage Rate Survey: 30 Year Mortgage Rates at 4.32% Mortage Rates Decrease Today: 30 Year Mortgage Rates at 4.19%, 15 Year Mortgage Rates at 3.49% Mortgage Rates Stable as National Home Prices are Up 3.6 Percent in Case-Shiller Index CD Rates Remain Relatively Unchanged as Fiscal Cliff Nears Alternative Bank and Credit Union Offers to ExploreMortgage Rates 15 Year Mortgage Rates at 3.38%Higher Federal Funds Rate Likely in the Spring of 2015, Leading to Higher CD Rates Home Appraisals: Getting a Home Appraisal CGR Credit Union Savings Dividend Rates IRA Rates at 1.74% Tennessee Commerce Bank Savings Account Best 18 Month CD Rates in Denver, Colorado GMAC CD Rates Chase Bank 1 Year ARM Refinance Rate of 4.427% Mortgage Rates Drift Lower This Week: 30 Year Rates at 6.13% One Year Certificate of Deposit Rates Southern Michigan Bank & Trust ReviewsThere are no reviews for Southern Michigan Bank & Trust yet. Feel free to create one below.
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Today's 12-month CD rates can be found at 0.20%, 6-month CD rates at 4.24% and 3-month CD rates at 0.50%. Current savings rates are at 0.08% and money market rates are at 0.50%. Mortgage rates today on 30-year fixed loans are around 6.50%. Credit Card rates are at 16.74%. Personal Loan rates are at 10.99%. All these rates, and more, can be found in our database of rates. 
