Documents in Portable Document Format (PDF) require to view, download Adobe® Acrobat Reader. Southern Michigan Bank & Trust Home Page NEW! We are proud to offer Zelle Person-to-Person (P2P) payments. CLICK HERE for more information. Close Alert HOME CONTACT US LOCATIONS & HOURS INVESTOR RELATIONS SEARCH LOGIN Southern Michigan Bank & Trust Your Life Your Business Wealth Management YOUR LIFE Tell us your story It is our mission to build trusting relationships with customers by providing friendly, personal financial services. VIEW OUR PERSONAL CHECKING ACCOUNTS COVID-19 Updates, Assistance Programs & Banking Services Find out how we are continuing to serve our communities during the COVID-19 Pandemic. COVID-19 INFORMATION CENTER ZELLE P2P PAYMENTS Send money directly to others you know and trust through the SMB&T mobile app with Zelle. LEARN MORE HOME LOANS We offer a variety of loan options to help you reach your goals. Start your application for a home loan today! APPLY TODAY Swipe for more TESTIMONIALS See What Others Have to Say Please check out some of our client testimonials below, to hear all of the great things they have to say about our services. Harper Creek Community Schools "I've been with the school district for about 35 years, and have gone through 3 or 4 banking changes. This is the one that has gone the smoothest, and I think has been the most positive for all of our employees." - Carol Davis Finance Director of HCCS HARPER CREEK STORY Cornwell's Turkeyville USA "I would always recommend Southern Michigan to people because they believe in the dreams and thoughts of small town people." - Patti Cornwell Owner TURKEYVILLE STORY Swipe for more CONTACT US for more info Have any questions, or need more information? Contact us today and one of our representatives will be happy to help you! CONTACT US Back to Top SMB&T 51 W Pearl St Coldwater, MI 49036 (800) 379-7628 About SMB&T Contact Us Locations/Hours Investor Relations Careers Privacy Policy Disclosures Facebook Member FDIC Equal Housing Lender Verified: Nov 24, 2021 ©2021 Southern Michigan Bank & Trust Created by Profitstars® READ MORE ON OUR ACCESSIBILITY STATEMENT