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Tell us your story

It is our mission to build trusting relationships with businesses by providing friendly and professional financial services.


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Have questions about how to get started?

Our experienced Commercial Lending team is can help you with your business' needs. Whether you are looking for an agriculture loan, SBA loan, or a line of credit, our lenders listen to what your needs and will find a solution tailored to help achieve your goals!
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It’s our commitment to provide the very best checking products and services.
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Our team of advisors are here to help with all of your business lending needs.
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Go paperless with eStatements. They are faster, more secure, and environmentally friendly!
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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.

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, Owners

Albright Farms

Meyer C. Weiner Company

"Many financial institutions would not have considered a project with so many moving parts.  The team at Southern Michigan Bank & Trust simply rolled up their sleeves, worked with everyone involved and created a successful solution that worked for everyone."
- Josh Weiner, CEO

Hillsdale Terminal

Bella Vista Golf Course & 
Oscar Brown's Tavern

"SMB&T has been there for all of our banking needs. With the help of Southern, we have been able to turn this formerly foreclosed property into a beautiful, thriving addition to Branch County."
- Ron Cary, Co-owner
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Started in Coldwater

From 1872 to today, check out our timeline to see what we have been up to.