Call report 2026Q2 · Schedule RC-N

SOUTHERN MICHIGAN BANK & TRUST — Schedule RC-N — Past Due and Nonaccrual Loans, Leases, and Other Assets, 2026Q2

Name: SOUTHERN MICHIGAN BANK & TRUST — Schedule RC-N — Past Due and Nonaccrual Loans, Leases, and Other Assets, 2026Q2
Creator: SOUTHERN MICHIGAN BANK & TRUST
License: https://www.usa.gov/government-works

Loans 30-89 days past due, 90 days or more past due, and on nonaccrual, by loan category — the earliest measurable signal of credit quality.

PERIOD: 2026Q2SOURCE: FFIEC Call Report, RCN140 items, each source-linked

Cite: FACTANKER, https://factanker.com/entity/27ee69a0-3efb-493f-9484-73ac53833eca/2026Q2/rc-n

What stands out

SOUTHERN MICHIGAN BANK & TRUST filed 140 items on Schedule RC-N for 2026Q2. The largest amount is $11.7M for “Total, Nonaccrual”, 0.7 % of total assets. Next come “Ln Scrd By Othr Nfarm Nres Prprty Na” at $11.2M and “Ln Secured By Othr Nfarm Nonres Prpr” at $10.2M. 131 of the 140 items are reported as zero — the line exists on the form, the bank has no such position. Dollar amounts are as filed, in thousands of USD; counts, dates and ratios keep their own units. Every value links to its fact record with the filing it came from.

Schedule RC-N — Past Due and Nonaccrual Loans, Leases, and Other Assets

Loans 30-89 days past due, 90 days or more past due, and on nonaccrual, by loan category — the earliest measurable signal of credit quality.

Item	MDRM	Value as filed	Source
P/d(30-89da):lease Fin Rec - Derived	RCON1226	0	evidence →
P/d(>=90day):lease Fin Rec - Derived	RCON1227	0	evidence →
P/d(nonaccr):lease Fin Rec - Derived	RCON1228	0	evidence →
Lns Secd By RE To Nonus Adr,pas Du30	RCON1248	0	evidence →
Lns Secd By RE To Nonus Adr,pas Du90	RCON1249	0	evidence →
Lns Secd By RE To Nonus Adr,nonaccrl	RCON1250	0	evidence →
C&I Lns To Nonus Adr,pas Du 30-89 Dy	RCON1254	0	evidence →
C&I Lns To Nonus Adr,pas Du 90 Dys	RCON1255	0	evidence →
C&I Lns To Nonus Adr,nonaccrual	RCON1256	0	evidence →
Total, Nonaccrual	RCON1403	11,729	evidence →
Total, Past Due 30-89 Days, Accruing	RCON1406	10,984	evidence →
Total, Past Due 90 Or More, Accruing	RCON1407	0	evidence →
Loans To Farmers, Nonaccrual	RCON1583	0	evidence →
Ln To Frmers,past 30-89 Dys, Accruin	RCON1594	0	evidence →
Ln To Frmers,past 90 Or More,accruin	RCON1597	0	evidence →
Past Due (30-89 Days): C&I Loans	RCON1606	562	evidence →
Past Due (>=90 Days): C&I Loans	RCON1607	0	evidence →
Past Due (nonaccrual):c&i Loans	RCON1608	0	evidence →
Lns Secd By Farmland-past Due 30-89	RCON3493	92	evidence →
Lns Secd By Farmland-past Due 90dys	RCON3494	0	evidence →
Lns Secd By Farmland-nonaccrual	RCON3495	440	evidence →
Lns Secd By Multifamily-pst Du 30-89	RCON3499	0	evidence →
Lns Secd By Multifamily-pst Du 90dys	RCON3500	0	evidence →
Lns Secd By Multifamily-nonaccrual	RCON3501	0	evidence →
Oth Assets-past Due 30-89 Dys, Accrg	RCON3505	0	evidence →
Oth Assets-past Due 90dys Or Mor,acg	RCON3506	0	evidence →
Other Assets-nonaccrual	RCON3507	0	evidence →
Lns To Foreign Bks-past Du 30-89 Dys	RCON5380	0	evidence →
Lns To Foreign Bks-past Du 90 Dys Or	RCON5381	0	evidence →
Lns To Foreign Bks-nonaccrual	RCON5382	0	evidence →
Rvlvg,open-end Lns-past Du 30-89 Dys	RCON5398	0	evidence →
Rvlvg,open-end Lns-past Du 90 Dys Or	RCON5399	0	evidence →
Rvlvg,open-end Lns-nonaccrual	RCON5400	0	evidence →
All Other Loans-past Du 30-89 Days	RCON5459	0	evidence →
All Other Loans-past Du 90 Dys Or Mo	RCON5460	0	evidence →
All Other Loans-nonaccrual	RCON5461	0	evidence →
Commcl Re,etc.-past Due 30-89 Dys,ag	RCON6558	0	evidence →
Commcl Re,etc.-past Due 90dys Or Mor	RCON6559	0	evidence →
Commcl Re,etc.-nonaccrual	RCON6560	0	evidence →
Past Due(30-89da): Credit Card Loans	RCONB575	0	evidence →
Past Due(>=90day): Credit Card Loans	RCONB576	0	evidence →
Past Due(nonaccr): Credit Card Loans	RCONB577	0	evidence →
P/d(30-89da):loans To Di's - Derived	RCONB834	0	evidence →
Pd Ge 90 Day Ln To Di Derived	RCONB835	0	evidence →
P/d(nonaccr):loans To Di - Derived	RCONB836	0	evidence →
Loans & Leases Hld For Sale-nonaccrl	RCONC226	0	evidence →
Clsd-end Lns:scrd 1st Liens-nonaccrl	RCONC229	0	evidence →
Clsd-ed Lns:scrd Jr Liens-nonaccrual	RCONC230	0	evidence →
Clsd-ed Lns:sec 1 Liens Pa Du 30-89	RCONC236	148	evidence →
Clsd-ed Lns:sec 1 Liens Pa Du 90 Mor	RCONC237	0	evidence →
Clsd-ed Lns:sec Jr Liens Pa Du 30-89	RCONC238	0	evidence →
Clsd-ed Lns:sec Jr Liens Pa Du 90 Mo	RCONC239	0	evidence →
Lns & Leases H-f-s Pa Du 30-89 Dys	RCONC240	0	evidence →
Lns & Leases H-f-s Pa Du 90 Dys More	RCONC241	0	evidence →
Additions To Nonaccrual Assets	RCONC410	0	evidence →
N/accrual Assets Sold During Quarter	RCONC411	0	evidence →
Lse Indvdl For Hshld, Fmly, Prsnl 30	RCONF166	0	evidence →
Lse Indvdl For Hshld, Fmly, Prsnl >	RCONF167	0	evidence →
Lse Indvdl For Hshld, Fmly, Prsnl Na	RCONF168	0	evidence →
1-4 Fam Res Cnstrctn Ln Pd 31-89 Da	RCONF172	0	evidence →
Other Cnstrctn Ln Past Due 31-89 Day	RCONF173	0	evidence →
1-4 Fam Res Cnstrctn Ln Pd > 90 Day	RCONF174	0	evidence →
Other Cnstrctn Ln Past Due > 90 Days	RCONF175	0	evidence →
1-4 Fam Res Cnstrctn Ln Nonaccrual	RCONF176	0	evidence →
Other Cnstrctn Ln Nonaccrual	RCONF177	0	evidence →
Ln Scrd By Ownr Occpd Nfarm Nres 30-	RCONF178	0	evidence →
Ln Secured By Othr Nfarm Nonres Prpr	RCONF179	10,182	evidence →
Ln Scrd By Ownr Occpd Nfarm Nres > 9	RCONF180	0	evidence →
Ln Scrd By Othr Nfarm Nres Prprty >	RCONF181	0	evidence →
Ln Scrd By Ownr Occpd Nfarm Nres Non	RCONF182	64	evidence →
Ln Scrd By Othr Nfarm Nres Prprty Na	RCONF183	11,225	evidence →
Ln Mod Fin Dfclty Scd 1-4 Res Pd 30	RCONF661	0	evidence →
Ln Mod Fin Dfclty Scd 1-4 Res Pd 90	RCONF662	0	evidence →
Ln Mod Fin Dfclty Scd 1-4 Res Nonacc	RCONF663	0	evidence →
Total Ln Mod Fin Dfclty Pd 30 -89	RCONHK26	0	evidence →
Total Ln Mod Fin Dfclty Pd 90	RCONHK27	0	evidence →
Total Ln Mod Fin Dfclty Nonaccrual	RCONHK28	0	evidence →
Ln Guar US , Exclud FDIC Pd 30 - 89	RCONK036	0	evidence →
Ln Guar US , Exclud FDIC Pd 90	RCONK037	0	evidence →
Ln Guar US , Exclud FDIC Nacrl	RCONK038	0	evidence →
Guar Ln Excl Rebook Gnma Ln Pd 30 -	RCONK039	0	evidence →
Guar Ln Excl Rebook Gnma Ln Pd 90	RCONK040	0	evidence →
Guar Ln Excl Rebook Gnma Ln Nacrl	RCONK041	0	evidence →
Rebook Gnma Ln Repurch Pd 30 - 89	RCONK042	0	evidence →
Rebook Gnma Ln Repurch Pd 90	RCONK043	0	evidence →
Rebook Gnma Ln Repurch Nacrl	RCONK044	0	evidence →
Ls Shr FDIC Cvrd Ls Shar Pd 30 - 89	RCONK102	0	evidence →
Ls Shr FDIC Cvrd Ls Shar Pd 90	RCONK103	0	evidence →
Ls Shr FDIC Cvrd Ls Shar Nacrl	RCONK104	0	evidence →
Ln Mod Fin Dfclty 1-4 Fam Cnstrtn Ln	RCONK105	0	evidence →
Ln Mod Fin Dfclty 1-4 Fam Cnstrtn Ln	RCONK106	0	evidence →
Ln Mod Fin Dfclty 1-4 Fam Cnstrtn Ln	RCONK107	0	evidence →
Ln Mod Fin Dfclty Othr Cnstrtn Ln 30	RCONK108	0	evidence →
Ln Mod Fin Dfclty Othr Cnstrtn Ln Pd	RCONK109	0	evidence →
Ln Mod Fin Dfclty Othr Cnstrtn Ln Na	RCONK110	0	evidence →
Ln Mod Fin Dfclty Secd Multi Pd 30 -	RCONK111	0	evidence →
Ln Mod Fin Dfclty Secd Multi Pd 90	RCONK112	0	evidence →
Ln Mod Fin Dfclty Secd Multi Nacrl	RCONK113	0	evidence →
Ln Mod Fin Dfclty Secd Nonfarm Own P	RCONK114	0	evidence →
Ln Mod Fin Dfclty Secd Nonfarm Own P	RCONK115	0	evidence →
Ln Mod Fin Dfclty Secd Nonfarm Own N	RCONK116	0	evidence →
Ln Mod Fin Dfclty Secd Nonfarm Nonre	RCONK117	0	evidence →
Ln Mod Fin Dfclty Secd Nonfarm Nonre	RCONK118	0	evidence →
Ln Mod Fin Dfclty Secd Nonfarm Nonre	RCONK119	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln US Adr	RCONK120	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln US Adr	RCONK121	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln US Adr	RCONK122	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln Nus Ad	RCONK123	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln Nus Ad	RCONK124	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln Nus Ad	RCONK125	0	evidence →
Ln Mod Fin Dfclty All Othr Ln Lease	RCONK126	0	evidence →
Ln Mod Fin Dfclty All Othr Ln Lease	RCONK127	0	evidence →
Ln Mod Fin Dfclty All Othr Ln Lease	RCONK128	0	evidence →
Itemize Ln Mod Fin Dfclty Farm Pd 30	RCONK130	0	evidence →
Itemize Ln Mod Fin Dfclty Farm Pd 90	RCONK131	0	evidence →
Itemize Ln Mod Fin Dfclty Farm Nacrl	RCONK132	0	evidence →
Itemize Ln Mod Fin Dfclty Finance Ag	RCONK138	0	evidence →
Itemize Ln Mod Fin Dfclty Finance Ag	RCONK139	0	evidence →
Itemize Ln Mod Fin Dfclty Finance Ag	RCONK140	0	evidence →
Auto Ln To Ind Hh Fam Pd 30 - 89	RCONK213	0	evidence →
Auto Ln To Ind Hh Fam Pd 90	RCONK214	0	evidence →
Auto Ln To Ind Hh Fam Nonaccrual	RCONK215	0	evidence →
Othr Ln To Ind Hh Fam Pd 30 - 89	RCONK216	0	evidence →
Othr Ln To Ind Hh Fam Pd 90	RCONK217	0	evidence →
Othr Ln To Ind Hh Fam Nonaccrual	RCONK218	0	evidence →
Ln Mod Fin Dfclty Cmrl Ind Ln Pd 30	RCONK257	0	evidence →
Ln Mod Fin Dfclty Ind Ln Pd 90	RCONK258	0	evidence →
Ln Mod Fin Dfclty Ind Ln Nacrl	RCONK259	0	evidence →
Itemize Ln Mod Fin Dfclty Credit Car	RCONK274	0	evidence →
Itemize Ln Mod Fin Dfclty Credit Car	RCONK275	0	evidence →
Itemize Ln Mod Fin Dfclty Credit Car	RCONK276	0	evidence →
Itemize Ln Mod Fin Dfclty Auto Ln Ho	RCONK277	0	evidence →
Itemize Ln Mod Fin Dfclty Auto Ln Ho	RCONK278	0	evidence →
Itemize Ln Mod Fin Dfclty Auto Ln Ho	RCONK279	0	evidence →
Itemize Ln Mod Fin Dfclty Othr Cnsmr	RCONK280	0	evidence →
Itemize Ln Mod Fin Dfclty Othr Cnsmr	RCONK281	0	evidence →
Itemize Ln Mod Fin Dfclty Othr Cnsmr	RCONK282	0	evidence →
Total Ndfi Pd 30 -89	RCONPV23	0	evidence →
Total Ndfi Pd 90	RCONPV24	0	evidence →
Total Ndfi Nonaccrual	RCONPV25	0	evidence →

Other schedules of this call report

22 further schedules filed by SOUTHERN MICHIGAN BANK & TRUST for 2026Q2.

Schedule RC — Balance Sheet 39 items
Schedule RC-A — Cash and Balances Due from Depository Institutions 6 items
Schedule RC-B — Securities 94 items
Schedule RC-C Part I — Loans and Leases 81 items
Schedule RC-C Part II — Loans to Small Businesses and Small Farms 24 items
Schedule RC-E — Deposit Liabilities 49 items
Schedule RC-F — Other Assets 9 items
Schedule RC-G — Other Liabilities 8 items
Schedule RC-K — Quarterly Averages 20 items
Schedule RC-L — Derivatives and Off-Balance-Sheet Items 115 items
Schedule RC-M — Memoranda 33 items
Schedule RC-O — Other Data for Deposit Insurance Assessments 25 items
Schedule RC-Q — Assets and Liabilities Measured at Fair Value 77 items
Schedule RC-R Part I — Regulatory Capital Components and Ratios 47 items
Schedule RC-S — Servicing, Securitization, and Asset Sale Activities 23 items
Schedule RC-T — Fiduciary and Related Services 55 items
Schedule RI — Income Statement 69 items
Schedule RI-A — Changes in Bank Equity Capital 11 items
Schedule RI-B Part I — Charge-offs and Recoveries on Loans and Leases 42 items
Schedule RI-B Part II — Changes in Allowances for Credit Losses 24 items
Schedule RI-C — Disaggregated Data on the Allowance for Loan and Lease Losses 20 items
Schedule RI-E — Explanations 16 items

Call report 2026Q2, headline measures →SOUTHERN MICHIGAN BANK & TRUST →

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