Southern Michigan Bank & Trust


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About Southern Michigan Bank & Trust

Throughout Southern Michigan Bank & Trust’s solid history of community banking, service has always been the key to its success.  As SMB&T moves into the future, one thing its customers can always count on is that they will enjoy Banking As It Should Be.

1871 – Nine men began organizing Southern Michigan National Bank in Coldwater, Michigan.

1872 – The fledging institution was incorporated and began serving customers out of S.M. Steeley’s bank rooms in the South Michigan Hotel, next to the public town square. This location was only temporary, as management quickly realized the bank needed its own building. Land was purchased on the corner of Monroe and Chicago Streets, where construction rapidly commenced. In July, the Southern Michigan Bank opened its doors under its own roof.

The bank received its charter, issued by Comptroller of the Currency Hilande R. Hulburd … Continue reading about Southern Michigan Bank & Trust here


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