Southern Michigan Bancorp is a bank holding company that provides commercial banking services to individuals, businesses, institutions, and governmental agencies primarily in southwest Michigan communities. The company offers a range of deposit products, home and auto/personal loans, business loans, trust and investment services, and online and mobile banking services. It operates 13 branches within Branch, Calhoun, Hillsdale, Kalamazoo, and St. Joseph Counties. The company was founded in 1871 and is based in Coldwater, Michigan.