mom helping daughter ride a bike


Tell us your story

It is our mission to build trusting relationships with customers by providing friendly, personal financial services.




Updates, Assistance Programs &  Banking Services

Find out how we are continuing to serve our communities during the COVID-19 Pandemic. 
Lending Tree A+ Rating small
SMB&T RECEIVES A+ RATING OF FINANCIAL HEALTH, a subsidiary of LendingTree, has released its 2020 analysis of the healthiest banks in America.
someone using smartphone
Stay informed about important account activity with our alerts. 
couple looking at something on a tablet
Go paperless with eStatements. They are faster, more secure, and environmentally friendly!
Swipe for more


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

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

Yoder's Country Market

"It's fulfilling to serve this community. Now, we have a bank that believes the same thing we do." 

- Jon & Brenda Yoder

Allen Edwin Homes

"Southern Michigan Bank & Trust values what we value.  They use common sense in lending.  Southern worked to make the relationship beneficial for both sides and have become a partner with us.

- Mike McGivney
VP of Sales & Marketing

Swipe for more


for more info

Have any questions, or need more information? Contact us today and one of our representatives will be happy to help you!