SOUTHERN MICHIGAN BANK & TRUST

Open in PORT →← all managers

CIK 1173227

13F portfolio (2026-Q1)

$261M

Positions

424

Implied 1Y CAGR

modeled · as filed

Long positions in SEC Section 13(f) securities (US-listed stocks, ADRs and ETFs), largest first · Δ vs 2025-Q4. A lagged quarterly snapshot (filed ≤45 days after quarter-end); excludes shorts, options, cash, and shares listed only on non-US exchanges — foreign companies held via a US listing or ADR (e.g. Alibaba, TSMC) ARE included.

Implied return what this book implies · modeled, not advice methodology →

Open in PORT →

As filed = each book applied at its quarter-end (what the reported book did) · As copyable = applied at its statutory 45-day filing deadline (what a 13F follower could have earned).

Computing…

Hypothetical modeled performance constructed with hindsight — not actual results, and not indicative of future results. See the Disclaimer.

Exposures · what this manager owns, by sector & size (2026-Q1)

Holdings

424

Top 5

60.4%

Top 10

72.3%

Effective N

12.1

HHI

0.083

This quarter

424 new · 0 exit →

By sector

Unclassified72.8%

Information Technology7.5%

Industrials3.8%

Consumer Discretionary3.6%

Health Care3.2%

Communication Services2.8%

Financials2.4%

Consumer Staples1.1%

Other3.0%

By market cap

Unknown73.2%

Mega (>$200B)16.5%

Large ($10–200B)10.1%

Mid ($2–10B)0.2%

Small ($300M–2B)0.0%

Micro (<$300M)0.0%

By region

Other72.8%

North America27.0%

Europe0.2%

Asia-Pacific0.0%

By industry group GICS — finer than sector

Industry group	Weight	Names
Unclassified	72.87%	83
Semiconductors & Semiconductor Equipment	3.10%	14
Technology Hardware & Equipment	2.92%	15
Specialty Retail	2.60%	13
Software & IT Services	2.58%	6
Pharmaceuticals & Biotechnology	2.50%	22
Machinery	1.46%	19
Aerospace & Defense	1.10%	12
Commercial Services & Supplies	1.08%	11
Utilities	1.05%	20
Software	0.94%	16
Road & Rail	0.81%	5
Oil, Gas & Consumable Fuels	0.80%	13
Banks	0.68%	25
Chemicals	0.68%	16
Health Care Equipment & Supplies	0.64%	10
Hotels, Restaurants & Leisure	0.57%	9
Insurance	0.42%	16
Communications Equipment	0.40%	4
Tobacco	0.38%	2
Capital Markets	0.29%	12
Beverages	0.26%	4
Equity Real Estate Investment Trusts (REITs)	0.24%	12
Distributors	0.22%	6
Food & Staples Retailing	0.22%	2
Food Products	0.20%	7
Metals & Mining	0.17%	7
Transportation Infrastructure	0.14%	1
Diversified Telecommunication Services	0.14%	3
Automobiles & Components	0.11%	6
Electrical Equipment & Components	0.11%	4
Media & Entertainment	0.08%	8
Leisure Products	0.06%	1
Health Care Providers & Services	0.05%	3
Airlines	0.03%	3
Construction & Engineering	0.03%	2
Construction Materials	0.02%	1
Paper & Forest Products	0.02%	2
Marine	0.01%	1
Textiles, Apparel & Luxury Goods	0.01%	2
Life Sciences Tools & Services	0.01%	2
Entertainment	0.01%	1
Household Durables	0.00%	2
Agricultural Products	0.00%	1

Top holdings

#	Ticker	Name	Sector	Weight
1	SCHG	SCHWAB U.S. LARGE-CAP GROWTH ETF	Unclassified	17.24%
2	BIV	VANGUARD BD INDEX FDS	Unclassified	12.85%
3	SCHV	SCHWAB STRATEGIC TR	Unclassified	11.72%
4	GVI	ISHARES TR	Unclassified	11.52%
5	VO	VANGUARD INDEX FDS	Unclassified	7.07%
6	SPSB	SPDR SERIES TRUST	Unclassified	3.89%
7	AAPL	Apple Inc.	Information Technology	2.29%
8	NVDA	NVIDIA CORP	Information Technology	2.28%
9		Armstrong Global Holding Inc. Series A	Unclassified	1.84%
10	IVV	ISHARES TR	Unclassified	1.56%

342/424 names classified · sector 27.2% of weight · industry 27.1% · mkt cap 26.8%; unclassified names shown, never dropped.

Style box · size × value-growth placement of the reported book (2026-Q1), classified on current fundamentals (not point-in-time) — load it into PORT to overlay your own portfolio

Only 27% of book weight classified — the grid is NOT representative of the whole book.

holdings, colored by sector (281 classified)SOUTHERN MICHIGAN BANK & TRUST centroid (Large Core)

Information TechnologyIndustrialsConsumer DiscretionaryHealth CareCommunication ServicesFinancialsConsumer StaplesUtilitiesMaterialsEnergyReal Estate

Style box summary for SOUTHERN MICHIGAN BANK & TRUST: centroid Large Core. Heaviest cells: Large Growth 13.2%, Large Value 5.6%, Large Core 4.4%.

Classified: 26.5% of book weight (281/422 names) · unclassified 73.5%: SCHG, BIV, SCHV, GVI, VO, SPSB, , IVV, SDY, IWF +131 more. Size: cap 70/20/10 bands; style: value/growth composite on our own metrics — not Morningstar's model.

Contribution holdings-based, any period

No contribution data for this period.

Holdings· 424 positions (2026-Q1) · largest first · Δ vs 2025-Q4

#	Security	Shares	Value	Weight	Δ QoQ
1	SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF	1,542,593	$45M	17.2%	NEW
2	BIVVANGUARD BD INDEX FDS	433,773	$33M	12.8%	NEW
3	SCHVSCHWAB STRATEGIC TR	1,001,625	$31M	11.7%	NEW
4	GVIISHARES TR	281,442	$30M	11.5%	NEW
5	VOVANGUARD INDEX FDS	64,157	$18M	7.1%	NEW
6	SPSBSPDR SERIES TRUST	337,503	$10M	3.9%	NEW
7	AAPLAPPLE INC	23,565	$6M	2.3%	NEW
8	NVDANVIDIA CORPORATION	34,117	$6M	2.3%	NEW
9	Armstrong Global Holding Inc. Series A	47,852	$5M	1.8%	NEW
10	IVVISHARES TR	6,221	$4M	1.6%	NEW
11	GOOGLALPHABET INC	13,428	$4M	1.5%	NEW
12	AMZNAMAZON COM INC	12,979	$3M	1.0%	NEW
13	SDYSPDR SER TR	17,282	$3M	1.0%	NEW
14	ABBVABBVIE INC	9,537	$2M	0.8%	NEW
15	IWFISHARES TR	4,687	$2M	0.8%	NEW
16	MSFTMICROSOFT CORP	5,239	$2M	0.7%	NEW
17	CATCATERPILLAR INC	2,320	$2M	0.6%	NEW
18	COSTCOSTCO WHSL CORP NEW	1,599	$2M	0.6%	NEW
19	GOOGALPHABET INC	5,503	$2M	0.6%	NEW
20	JNJJOHNSON & JOHNSON	5,821	$1M	0.5%	NEW
21	VVISA INC	4,540	$1M	0.5%	NEW
22	IWDISHARES TR	6,227	$1M	0.5%	NEW
23	METAMETA PLATFORMS INC	2,129	$1M	0.5%	NEW
24	AVGOBROADCOM INC	3,863	$1M	0.5%	NEW
25	MCDMCDONALDS CORP	3,691	$1M	0.4%	NEW
26	SYKSTRYKER CORPORATION	3,321	$1M	0.4%	NEW
27	VNQVANGUARD INDEX FDS	11,868	$1M	0.4%	NEW
28	PGPROCTER AND GAMBLE CO	7,168	$1M	0.4%	NEW
29	NSCNORFOLK SOUTHN CORP	3,254	$933,898	0.4%	NEW
30	MAMASTERCARD INCORPORATED	1,860	$929,368	0.4%	NEW
31	SOSOUTHERN CO	9,613	$927,847	0.4%	NEW
32	HDHOME DEPOT INC	2,676	$880,110	0.3%	NEW
33	LLYELI LILLY & CO	932	$857,226	0.3%	NEW
34	ABTABBOTT LABS	8,286	$850,724	0.3%	NEW
35	VTEBVANGUARD MUN BD FDS	16,590	$827,675	0.3%	NEW
36	GDGENERAL DYNAMICS CORP	2,396	$822,355	0.3%	NEW
37	UNPUNION PAC CORP	3,223	$781,964	0.3%	NEW
38	IJHISHARES TR	11,351	$766,533	0.3%	NEW
39	CSCOCISCO SYS INC	9,720	$754,175	0.3%	NEW
40	VUGVANGUARD INDEX FDS	1,618	$706,726	0.3%	NEW
41	WMTWALMART INC	5,334	$662,910	0.3%	NEW
42	XOMEXXON MOBIL CORP	3,874	$657,263	0.3%	NEW
43	ETNEATON CORP PLC	1,812	$648,098	0.2%	NEW
44	JPMJPMORGAN CHASE & CO	2,126	$625,384	0.2%	NEW
45	CIENCIENA CORP	1,500	$582,345	0.2%	NEW
46	PEPPEPSICO INC	3,431	$532,800	0.2%	NEW
47	MOALTRIA GROUP INC	7,559	$498,818	0.2%	NEW
48	PMPHILIP MORRIS INTL INC	2,966	$490,398	0.2%	NEW
49	LMTLOCKHEED MARTIN CORP	762	$460,545	0.2%	NEW
50	NOCNORTHROP GRUMMAN CORP	654	$446,185	0.2%	NEW
51	HONHONEYWELL INTL INC	1,885	$426,067	0.2%	NEW
52	SHWSHERWIN WILLIAMS CO	1,327	$425,370	0.2%	NEW
53	KRKROGER CO	5,670	$410,281	0.2%	NEW
54	DOVDOVER CORP	1,812	$377,711	0.1%	NEW
55	COPCONOCOPHILLIPS	2,858	$377,256	0.1%	NEW
56	NEENEXTERA ENERGY INC	4,044	$375,607	0.1%	NEW
57	DONWISDOMTREE TR	7,128	$374,505	0.1%	NEW
58	BKNGBOOKING HOLDINGS INC	87	$366,298	0.1%	NEW
59	AMATAPPLIED MATLS INC	1,070	$365,715	0.1%	NEW
60	IWMISHARES TR	1,472	$365,056	0.1%	NEW
61	LRCXLAM RESEARCH CORP	1,638	$349,975	0.1%	NEW
62	DEDEERE & CO	602	$339,107	0.1%	NEW
63	QCOMQUALCOMM INC	2,601	$334,957	0.1%	NEW
64	CNICANADIAN NATL RY CO	3,091	$317,662	0.1%	NEW
65	MRKMERCK & CO INC	2,591	$311,671	0.1%	NEW
66	WMBWILLIAMS COS INC	4,035	$293,667	0.1%	NEW
67	MPCMARATHON PETE CORP	1,200	$293,016	0.1%	NEW
68	LHXL3HARRIS TECHNOLOGIES INC	823	$284,058	0.1%	NEW
69	MUMICRON TECHNOLOGY INC	824	$278,380	0.1%	NEW
70	AMPAMERIPRISE FINL INC	625	$277,750	0.1%	NEW
71	RTXRTX CORPORATION	1,430	$275,847	0.1%	NEW
72	BRK.BBERKSHIRE HATHAWAY INC DEL	553	$264,998	0.1%	NEW
73	MCKMCKESSON CORP	300	$259,608	0.1%	NEW
74	27 Percent of Bracy & Jahr, Inc	1	$251,100	0.1%	NEW
75	OEFISHARES TR	707	$224,875	0.1%	NEW
76	DESWISDOMTREE TR	6,138	$220,600	0.1%	NEW
77	MDLZMONDELEZ INTL INC	3,652	$210,501	0.1%	NEW
78	VBVANGUARD INDEX FDS	802	$210,060	0.1%	NEW
79	WMWASTE MGMT INC DEL	910	$209,109	0.1%	NEW
80	GLWCORNING INC	1,511	$205,451	0.1%	NEW
81	DLRDIGITAL RLTY TR INC	1,135	$204,538	0.1%	NEW
82	DOWDOW HLDGS INC	4,886	$203,502	0.1%	NEW
83	ENBENBRIDGE INC	3,727	$201,780	0.1%	NEW
84	NVSNOVARTIS AG	1,267	$193,534	0.1%	NEW
85	TMOTHERMO FISHER SCIENTIFIC INC	393	$193,171	0.1%	NEW
86	COFCAPITAL ONE FINL CORP	1,032	$188,193	0.1%	NEW
87	ADBEADOBE INC	768	$186,685	0.1%	NEW
88	EFAISHARES TR	1,902	$184,741	0.1%	NEW
89	TAT&T INC	6,342	$183,855	0.1%	NEW
90	SBUXSTARBUCKS CORP	2,036	$182,405	0.1%	NEW
91	WSMWILLIAMS SONOMA INC	1,000	$182,330	0.1%	NEW
92	AEPAMERICAN ELEC PWR CO INC	1,383	$181,284	0.1%	NEW
93	PRUPRUDENTIAL FINL INC	1,803	$176,135	0.1%	NEW
94	VZVERIZON COMMUNICATIONS INC	3,451	$173,240	0.1%	NEW
95	BMYBRISTOL-MYERS SQUIBB CO	2,820	$171,033	0.1%	NEW
96	HASHASBRO INC	1,769	$165,578	0.1%	NEW
97	TTTRANE TECHNOLOGIES PLC	393	$163,779	0.1%	NEW
98	ALLALLSTATE CORP	788	$163,384	0.1%	NEW
99	CRMSALESFORCE INC	857	$159,976	0.1%	NEW
100	CVSCVS HEALTH CORP	2,226	$159,871	0.1%	NEW
101	SHELSHELL PLC	1,719	$159,867	0.1%	NEW
102	TSLATESLA INC	430	$159,853	0.1%	NEW
103	FITBFIFTH THIRD BANCORP	3,340	$155,176	0.1%	NEW
104	ISRGINTUITIVE SURGICAL INC	334	$153,971	0.1%	NEW
105	HWMHOWMET AEROSPACE INC	666	$153,486	0.1%	NEW
106	ITMVANECK ETF TRUST	3,226	$149,783	0.1%	NEW
107	CPRXCATALYST PHARMACEUTICALS INC	6,000	$148,560	0.1%	NEW
108	HBANHUNTINGTON BANCSHARES INC	9,444	$147,799	0.1%	NEW
109	BXBLACKSTONE INC	1,281	$147,302	0.1%	NEW
110	MDTMEDTRONIC PLC	1,690	$146,439	0.1%	NEW
111	IBMINTERNATIONAL BUSINESS MACHS	584	$141,556	0.1%	NEW
112	CBCHUBB LIMITED	433	$141,128	0.1%	NEW
113	APDAIR PRODS & CHEMS INC	474	$137,692	0.1%	NEW
114	PYPLPAYPAL HLDGS INC	2,993	$135,373	0.1%	NEW
115	DGXQUEST DIAGNOSTICS INC	686	$134,442	0.1%	NEW
116	TELTE CONNECTIVITY PLC	634	$132,519	0.1%	NEW
117	MSMORGAN STANLEY	802	$131,985	0.1%	NEW
118	VLOVALERO ENERGY CORP	529	$130,705	0.1%	NEW
119	UIUBIQUITI INC	165	$130,398	0.1%	NEW
120	CHDCHURCH & DWIGHT CO INC	1,392	$129,901	0.0%	NEW
121	PFEPFIZER INC	4,610	$129,449	0.0%	NEW
122	PLDPROLOGIS INC.	977	$129,140	0.0%	NEW
123	IEMGISHARES INC	1,848	$128,898	0.0%	NEW
124	QQQINVESCO QQQ TR	222	$128,134	0.0%	NEW
125	DUKDUKE ENERGY CORP NEW	947	$124,000	0.0%	NEW
126	CVXCHEVRON CORP NEW	597	$123,519	0.0%	NEW
127	GISGENERAL MILLS INC	3,275	$121,896	0.0%	NEW
128	MMM3M CO	805	$116,910	0.0%	NEW
129	PNCPNC FINL SVCS GROUP INC	550	$114,450	0.0%	NEW
130	PSXPHILLIPS 66	625	$113,863	0.0%	NEW
131	GEGE AEROSPACE	394	$111,805	0.0%	NEW
132	TFCTRUIST FINL CORP	2,431	$111,753	0.0%	NEW
133	ECLECOLAB INC	401	$106,674	0.0%	NEW
134	Armstrong Global Holding Inc Series C	1,066	$106,600	0.0%	NEW
135	CAHCARDINAL HEALTH INC	500	$105,655	0.0%	NEW
136	TRPTC ENERGY CORP	1,663	$104,104	0.0%	NEW
137	AXPAMERICAN EXPRESS CO	341	$103,146	0.0%	NEW
138	CARRCARRIER GLOBAL CORPORATION	1,823	$102,653	0.0%	NEW
139	EVRGEVERGY INC	1,250	$102,400	0.0%	NEW
140	WECWEC ENERGY GROUP INC	863	$99,910	0.0%	NEW
141	DKSDICKS SPORTING GOODS INC	500	$99,145	0.0%	NEW
142	AZNASTRAZENECA PLC	509	$98,583	0.0%	NEW
143	NFLXNETFLIX INC	1,013	$97,400	0.0%	NEW
144	KLACKLA CORP	66	$97,179	0.0%	NEW
145	BDXBECTON DICKINSON & CO	612	$96,225	0.0%	NEW
146	BLKBLACKROCK INC	100	$96,171	0.0%	NEW
147	BACBANK AMERICA CORP	1,931	$94,136	0.0%	NEW
148	DHRDANAHER CORP DEL	492	$93,283	0.0%	NEW
149	JCIJOHNSON CONTROLS INTERNATION	708	$92,713	0.0%	NEW
150	HOLXHOLOGIC INC	1,200	$90,708	0.0%	NEW
151	TRVTRAVELERS COMPANIES INC	300	$87,504	0.0%	NEW
152	TGTTARGET CORP	719	$87,143	0.0%	NEW
153	GEVGE VERNOVA INC	97	$84,671	0.0%	NEW
154	IVWISHARES TR	714	$80,761	0.0%	NEW
155	BNDVANGUARD BD INDEX FDS	1,076	$79,237	0.0%	NEW
156	USBUS BANCORP	1,500	$78,015	0.0%	NEW
157	PGRPROGRESSIVE CORP	390	$77,314	0.0%	NEW
158	INTCINTEL CORP	1,729	$76,301	0.0%	NEW
159	ELVELEVANCE HEALTH INC FORMERLY	258	$75,530	0.0%	NEW
160	DHID R HORTON INC	550	$75,471	0.0%	NEW
161	ZTSZOETIS INC	632	$74,709	0.0%	NEW
162	VTRVENTAS INC	895	$73,193	0.0%	NEW
163	WTRGESSENTIAL UTILS INC	1,800	$72,486	0.0%	NEW
164	FDXFEDEX CORP	200	$71,236	0.0%	NEW
165	PEGPUBLIC SVC ENTERPRISE GROUP	875	$70,831	0.0%	NEW
166	VTVVANGUARD INDEX FDS	361	$70,828	0.0%	NEW
167	DCIDONALDSON INC	830	$70,442	0.0%	NEW
168	EEMISHARES TR	1,234	$70,079	0.0%	NEW
169	IAUISHARES GOLD TR	781	$68,853	0.0%	NEW
170	IEFISHARES TR	707	$67,476	0.0%	NEW
171	FISVFISERV INC	1,200	$66,960	0.0%	NEW
172	IJRISHARES TR	502	$62,404	0.0%	NEW
173	HSYHERSHEY CO	300	$62,367	0.0%	NEW
174	LDOSLEIDOS HOLDINGS INC	400	$62,208	0.0%	NEW
175	YUMYUM BRANDS INC	400	$62,192	0.0%	NEW
176	ONON SEMICONDUCTOR CORP	1,000	$61,920	0.0%	NEW
177	LNCLINCOLN NATL CORP IND	1,725	$61,238	0.0%	NEW
178	AZOAUTOZONE INC	18	$60,800	0.0%	NEW
179	AMTAMERICAN TOWER CORP	340	$58,677	0.0%	NEW
180	HTOH2O AMERICA	1,000	$58,670	0.0%	NEW
181	ALBALBEMARLE CORP	325	$58,347	0.0%	NEW
182	SRESEMPRA	600	$58,302	0.0%	NEW
183	TXNTEXAS INSTRS INC	300	$58,242	0.0%	NEW
184	ETENERGY TRANSFER L P	3,000	$57,900	0.0%	NEW
185	AFLAFLAC INC	525	$57,598	0.0%	NEW
186	RYROYAL BK CDA	356	$57,594	0.0%	NEW
187	SCHFSCHWAB STRATEGIC TR	2,316	$57,321	0.0%	NEW
188	SPYSTATE STR SPDR S&P 500 ETF T	88	$57,230	0.0%	NEW
189	GLDSPDR GOLD TR	133	$57,229	0.0%	NEW
190	MFCMANULIFE FINL CORP	1,650	$56,826	0.0%	NEW
191	CCECCAPITAL CLEAN ENERGY CARRIER	2,800	$56,672	0.0%	NEW
192	CSXCSX CORP	1,371	$56,280	0.0%	NEW
193	KOCOCA COLA CO	724	$55,060	0.0%	NEW
194	VMCVULCAN MATLS CO	200	$54,460	0.0%	NEW
195	NXSTNEXSTAR MEDIA GROUP INC	300	$54,249	0.0%	NEW
196	SNASNAP ON INC	147	$53,393	0.0%	NEW
197	FTNTFORTINET INC	650	$53,118	0.0%	NEW
198	KMIKINDER MORGAN INC DEL	1,584	$53,112	0.0%	NEW
199	AMGNAMGEN INC	150	$52,778	0.0%	NEW
200	FTVFORTIVE CORP	950	$52,516	0.0%	NEW

showing the top 200 by weight

Position trends· top 15 holdings · shares held over 6 quarters

green added · red trimmed

Security

2024-Q4

2025-Q1

2025-Q2

2025-Q3

2025-Q4

2026-Q1

Latest value

SCHGSCHWAB U.S. LARGE-CAP GROWTH ETF

—

1.5M

$45M

BIVVANGUARD BD INDEX FDS

—

434K

$33M

SCHVSCHWAB STRATEGIC TR

—

1.0M

$31M

GVIISHARES TR

—

281K

$30M

VOVANGUARD INDEX FDS

—

64K

$18M

SPSBSPDR SERIES TRUST

—

338K

$10M

AAPLAPPLE INC

—

24K

$6M

NVDANVIDIA CORPORATION

—

34K

$6M

Armstrong Global Holding Inc. Series A

—

48K

$5M

IVVISHARES TR

—

$4M

GOOGLALPHABET INC

—

13K

$4M

AMZNAMAZON COM INC

—

13K

$3M

SDYSPDR SER TR

—

17K

$3M

ABBVABBVIE INC

—

10K

$2M

IWFISHARES TR

—

$2M

Shares reported each quarter by the largest current holdings. Green = added vs the prior filing of that name, red = trimmed, grey = roughly held; a dash is a quarter with no 13F on file (a gap is skipped, not read as an exit). 13F is filed up to 45 days after quarter-end. Up to 40 quarters (10 years) available — use the selector above.

☆SOUTHERN MICHIGAN BANK & TRUST