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Below are locations where you can find Southern Financial Group advisors.  Click here if you would like to see our full list of Southern Michigan Bank & Trust locations.


Southern Financial Group is located in the main branch in Coldwater


Southern Financial Group
P.O. Box 309
51 W. Pearl Street
Coldwater, MI  49036
Phone: 517-279-5503
Toll-Free: 800-379-7628


Southern Financial Group is located at the main branch in Three Rivers

Southern Financial Group
P.O. Box 407
88 North Main Street
Three Rivers, MI  49093
Phone: 269-273-9821
Toll Free: 888-825-8901









Trust services provided by Southern Michigan Bank & Trustís Southern Financial Group Division are not affiliated with Raymond James and are not FDIC insured. They may lose value and there is no bank guarantee.

Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, are: not deposits, not insured by FDIC or any other governmental agency, not guaranteed by Southern Michigan Bank & Trust, are subject to risk, and may lose value. Southern Michigan Bank & Trust and the Southern Financial Group are independent of Raymond James.

Raymond James financial advisors may only conduct business with residents of the state and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.  Raymond Jamesí Privacy Notice.