Southern Michigan Bancorp, Inc. operates as a bank holding company. The company is headquartered in Coldwater, Michigan. The Bank offers individuals, businesses, institutions and governmental agencies a full range of commercial banking services, primarily in southern Michigan communities. The company offers a variety of deposit, payment, credit, and other financial services to all types of customers. These services include time, savings, and demand deposits; safe deposit box services, and automated teller machine services. The company offers trust and investment services, which include investment management, trustee services, institutional and personal custody, estate settlement, wealth management, estate planning assistance, wealth transfer planning assistance, charitable gift planning assistance, and cash management custody. The Bank operates approximately 13 branches within Battle Creek, Centreville, Coldwater, Constantine, Hillsdale, Marshall, Mendon, Portage, Tekonsha, Three Rivers and Union City.