SOUTHERN MICHIGAN BANCORP INC

Southern Michigan Bancorp Inc. operates a state commercial bank anchored in the 6021 SIC for national commercial banks, offering deposit, lending, cash management and wealth-advisory services to households and small to mid-sized companies across its Michigan footprint. Its core product roster includes interest-bearing checking and savings accounts, commercial and consumer loans, and treasury capabilities designed to keep cash flowing for local retailers, manufacturers, nonprofit organizations and professionals who rely on personalized relationship banking. Targeting communities underserved by large regional players, the franchise emphasizes community development lending and advisory-driven capital solutions while balancing the material risks associated with interest-rate sensitivity, credit concentration in cyclical sectors, and compliance with state and federal banking regulators. The firm last updated investors via a Form 10-Q filed in November 1999, making it important for research partners to verify any newer filings before drawing conclusions. CIK 703699. View live SEC filings on Earnings Feed.

Source: Earnings Feed research · last updated 11/24/2025