Southern Michigan Bancorp, Inc. serves as the bank holding company for Southern Michigan Bank & Trust, delivering a comprehensive array of commercial banking solutions. These services cater to individuals, businesses, institutions, and governmental agencies, predominantly within southwest Michigan communities. Its diverse deposit offerings encompass interest-bearing and non-interest checking accounts, various savings and money market accounts, time, savings, and demand deposits, as well as Certificates of Deposit (CDs) and Individual Retirement Accounts (IRAs).