BlastPoint's Banking Scorecard

Southern Michigan Bank & Trust

$1B-$10B Specialty: Commercial MI FDIC cert 5019

Designations: ✓ Community bank

Coldwater, MI

21 branches across MI

884 banks in the $1B-$10B peer group nationally 18 in MI

Southern Michigan Bank & Trust faces 3 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.52% below tier average
- Net Interest Margin 0.47% below tier average
- Efficiency Ratio 6.38% above tier average

Get updates when Southern Michigan Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Total Assets ?	$1.7B +9.2% YoY +0.9% QoQ	-$1.1B	$2.8B -0.1% YoY	$993.6M +8.4% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$1.3B +14.8% YoY +2.7% QoQ	-$672.5M	$2.0B +0.6% YoY	$752.3M +12.4% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$1.4B +8.6% YoY +0.9% QoQ	-$906.9M	$2.3B -0.3% YoY	$797.0M +7.4% YoY	$4.8B +8.2% YoY	44%
Return on Assets ?	0.85% -9.1% YoY -6.4% QoQ	-0.52%	1.37% +19.6% YoY	1.15% +25.2% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.35% +4.8% YoY +1.1% QoQ	-0.47%	3.82% +6.9% YoY	3.99% +5.8% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	67.44% +0.6% YoY +3.5% QoQ	+6.38%	61.06% -4.6% YoY	66.95% -6.2% YoY	66.95% -4.1% YoY	28%
Delinquency Rate ?	0.91% -8.2% QoQ	+0.02%	0.89% +14.1% YoY	0.77% +21.7% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	89.97% +5.7% YoY +1.8% QoQ	+5.76%	84.20% +0.3% YoY	78.66% +4.9% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	16.64% -5.5% YoY +2.8% QoQ	-4.65%	21.29% -2.5% YoY	24.69% -2.1% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.91% -5.2% QoQ	+0.23%	0.67% +15.6% YoY	0.58% +27.6% YoY	0.67% +19.3% YoY	23%
Tier 1 Capital Ratio ?	10.85% -4.3% YoY -1.4% QoQ	-4.31%	15.16% +2.0% YoY	20.91% +0.5% YoY	17.06% +0.8% YoY	Bottom 14.7% in tier
Non-Interest Income / Assets ?	0.15% -3.2% YoY -75.1% QoQ	-0.11%	0.26% +1.6% YoY	0.19% +5.8% YoY	0.32% +4.1% YoY	51%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

755

Tier 1 Capital Ratio

capital

Value: 10.85%

Peer Median: 15.16%

#755 of 884 Bottom 14.7% in $1B-$10B

683

Return on Assets

profitability

Value: 0.85%

Peer Median: 1.37%

#683 of 884 Bottom 22.9% in $1B-$10B

678

Nonperforming Asset Ratio

credit_quality

Value: 0.91%

Peer Median: 0.67%

#678 of 884 Bottom 23.4% in $1B-$10B