Southern Michigan Bancorp Q3 2025 Earnings Report

Southern Michigan Bancorp EPS Results

• Actual EPS: $0.65
• Consensus EPS: N/A
• Beat/Miss: N/A
• One Year Ago EPS: N/A

Southern Michigan Bancorp Revenue Results

• Actual Revenue: $14.70 million
• Expected Revenue: N/A
• Beat/Miss: N/A
• YoY Revenue Growth: N/A

Southern Michigan Bancorp Announcement Details

• Quarter: Q3 2025
• Date: 10/29/2025
• Time: Before Market Opens
• Conference Call Date: N/A
• Conference Call Time: N/A

Southern Michigan Bancorp (OTCMKTS:SOMC), Inc. is the bank holding company for Southern Michigan Bank & Trust Company, a community-focused financial institution headquartered in Coldwater, Michigan. SOMC provides a broad range of banking services to individuals, families and local businesses, with an emphasis on personalized service and local decision-making.

The company’s primary business activities include commercial lending, real estate financing, agricultural loans and consumer banking solutions. Its lending portfolio serves small- and mid-sized businesses, residential and commercial real estate projects, and agricultural enterprises. Deposit products span checking and savings accounts, money market accounts, certificates of deposit and retirement accounts, while digital banking capabilities offer online and mobile access to account management, payments and loan applications.

Operating across southern Michigan and neighboring communities, Southern Michigan Bancorp supports regional economic development by aligning its financial products with local market needs. The bank’s branch network serves rural and small-town markets, and its experienced management team combines community banking expertise with financial discipline to deliver tailored solutions and foster long-term customer relationships.