Southern Michigan Bank & Trust offers a range of personal and business products and services. It offers various types of mortgages that include bare land and commercial and residential construction mortgages. The bank also offers a range of trust and investment services that include wealth transfer planning, estate settlement, charitable gift planning, and institutional and personal custody. Additionally, it offers a range of commercial lending products that include lines of credit and small business administration loans. Its Web site provides loan application forms and details on the working hours of its branches. Founded in 1872, Southern Michigan Bank & Trust maintains an office in Coldwater, Mich.