Southern Michigan Bank & Trust holds a concentrated book of 422 reported positions worth $281.3M as of Q2 2026 (disclosed Jul 21, 2026, a ~21-day 13F lag). This quarter Honeywell Aerospace Inc first appears in 13F filings (one of 3 new listings in the book), a listing rather than a purchase; they opened British American Tob-SP ADR and trimmed Apple Inc. Their largest long position is Schwab US Large-Cap Growth at 19% of the reported non-option book. Cloning the disclosed picks since 2026 would be +3% (+8.6%/yr). That is a simulation of the disclosed long book, not audited returns.
Southern Michigan Bank & Trust files as a bank or broker: much of this book is custody and client positions, not a proprietary portfolio.
The reported book (valued from quarter-end) returned +9.4%, a 6.2-point gap that is the cost of the ~21-day 13F disclosure lag a real follower can't avoid.
Growth of $10,000 cloning Southern Michigan Bank & Trust's disclosed long 13F book, rebalanced on each filing date (so it reflects each quarter's actual reporting lag, ~21 days for the latest filing, with no look-ahead), total-return basis (dividends reinvested), derived from end-of-day prices. “Their reported book” values the same picks from quarter-end, before they were public. S&P 500 is SPY total return over the same window. Excludes shorts, cash, options and non-13F holdings. Not investment advice.
Top-heavy: concentrated book
Share of the disclosed book in its largest positions. A higher top-5 share means a more concentrated, higher-conviction portfolio.
29% mapped to company sectors
+5 sectors below the cut, 3% together
Direct operating-company sectors from our SIC-based security master. ETF/fund and unclassified holdings stay visible separately; this is not ETF look-through exposure.
Estimated $ traded · quarter-end prices (an exit at the prior quarter-end), no cost basis
Other tracked managers holding the same core names as Southern Michigan Bank & Trust
| Manager / fund | Shared names | Their $ in those |
|---|---|---|
| Donor Advised Charitable Giving, Inc. | 8 / 80 | $4.4B |
| Blackhill Capital Inc | 19 / 80 | $2.3B |
| Hoffman, Alan N Investment Management | 8 / 80 | $160.8M |
| Greenbrier Partners Capital Management, LLC | 8 / 80 | $1.2B |
| Ardent Capital Management, Inc. | 23 / 80 | $220.2M |
| United American Securities Inc. (d/b/a UAS Asset Management) | 9 / 80 | $393.3M |
| Outlook Capital Management, LLC | 17 / 80 | $257.1M |
| Independent Investors Inc | 27 / 80 | $431.8M |
Ranked by the share of each fund's own book sitting in the names it shares with Southern Michigan Bank & Trust: only funds sharing at least a tenth of the book qualify. Index giants, bank custody books and market makers are excluded. They hold everything, so their overlap says nothing.
Bars show each position's share of the portfolio. Click a row for its position history.
| # | Security | Value | Shares | % Port | Last move | History |
|---|---|---|---|---|---|---|
| 1 | Schwab U.S. Large Cap Growth ETF US LCAP GR ETF | $52.6M | 1.55M | 18.7% | ▲+0.7% Added · +11K sh | |
| 2 | Schwab U.S. Large Cap Value ETF US LCAP VA ETF | $35.5M | 1.02M | 12.6% | ▲+1.8% Added · +18K sh | |
| 3 | Vanguard Intermediate Term Bond ETF INTERMED TERM | $33.3M | 433.8K | 11.8% | ▲~0% Added · +69 sh | |
| 4 | iShares Intermediate Govt Credit Bond ETF INTRM GOV CR ETF | $29.9M | 281.9K | 10.6% | ▲+0.2% Added · +474 sh | |
| 5 | Vanguard Mid Cap ETF MID CAP ETF | $20.8M | 258.1K | 7.4% | ▲+302% Added · +194K sh | |
| 6 | State Street SPDR Portfolio Short Term Corporate Bond ETF ST SHOR CORP ETF | $10.2M | 338.7K | 3.6% | ▲+0.3% Added · +1K sh | |
| 7 | Nvidia Corp COM | $7.1M | 35.3K | 2.5% | ▲+3.4% Added · +1K sh | |
| 8 | Apple Inc COM | $6.8M | 23.5K | 2.4% | ▼−0.3% Reduced · −69 sh | |
| 9 | Armstrong Global Holding Inc. Series A COM | $4.8M | 47.9K | 1.7% | —Held | |
| 10 | Alphabet Inc Class A CAP STK CL A | $4.6M | 12.8K | 1.6% | ▼−4.4% Reduced · −596 sh | |
| 11 | Caterpillar Inc COM | $3.5M | 3.3K | 1.3% | ▲+42% Added · +982 sh | |
| 12 | Amazon.com Inc COM | $3.1M | 12.9K | 1.1% | ▼−1.0% Reduced · −125 sh | |
| 13 | State Street SPDR S&P Dividend ETF ST STR SP DIV | $2.6M | 16.9K | 0.9% | ▼−2.1% Reduced · −361 sh | |
| 14 | iShares Russell 1000 Growth ETF RUS 1000 GRW ETF | $2.5M | 19.8K | 0.9% | ▲+323% Added · +15K sh | |
| 15 | Abbvie Inc. COM | $2.4M | 9.4K | 0.8% | ▼−1.0% Reduced · −92 sh | |
| 16 | Microsoft Corp COM | $2.0M | 5.3K | 0.7% | ▲+1.9% Added · +98 sh | |
| 17 | Alphabet Inc Class C CAP STK CL C | $1.9M | 5.5K | 0.7% | ▼−0.4% Reduced · −20 sh | |
| 18 | iShares Russell 1000 Value ETF RUS 1000 VAL ETF | $1.7M | 6.9K | 0.6% | ▲+11% Added · +674 sh | |
| 19 | Visa Inc COM CL A | $1.5M | 4.5K | 0.5% | ▼−1.2% Reduced · −55 sh | |
| 20 | Broadcom Inc COM | $1.5M | 4.0K | 0.5% | ▲+4.5% Added · +173 sh | |
| 21 | Johnson & Johnson COM | $1.5M | 5.8K | 0.5% | ▼−0.5% Reduced · −27 sh | |
| 22 | Costco Wholesale Corporation COM | $1.4M | 1.5K | 0.5% | ▼−4.9% Reduced · −78 sh | |
| 23 | Meta Platforms Inc CL A | $1.3M | 2.3K | 0.5% | ▲+6.7% Added · +143 sh | |
| 24 | Cisco Systems Inc COM | $1.1M | 9.6K | 0.4% | ▼−0.8% Reduced · −78 sh | |
| 25 | Stryker Corporation COM | $1.0M | 3.3K | 0.4% | ▼−0.2% Reduced · −7 sh | |
| 26 | Procter & Gamble Co COM | $1.0M | 7.1K | 0.4% | ▼−1.6% Reduced · −115 sh | |
| 27 | Norfolk Southern Corp COM | $1.0M | 3.2K | 0.4% | ▼−0.1% Reduced · −5 sh | |
| 28 | Micron Technology Inc COM | $1.0M | 884 | 0.4% | ▲+7.3% Added · +60 sh | |
| 29 | Deere & Co COM | $1.0M | 1.6K | 0.4% | ▲+166% Added · +1K sh | |
| 30 | McDonalds Corp COM | $961K | 3.6K | 0.3% | ▼−3.6% Reduced · −135 sh | |
| 31 | Mastercard Inc CL A | $934K | 1.8K | 0.3% | ▼−2.2% Reduced · −41 sh | |
| 32 | Home Depot Inc COM | $917K | 2.6K | 0.3% | ▼−2.8% Reduced · −75 sh | |
| 33 | Southern Co COM | $916K | 9.6K | 0.3% | ▼−0.5% Reduced · −45 sh | |
| 34 | Union Pacific Corp COM | $877K | 3.2K | 0.3% | —Held | |
| 35 | iShares Core S&P Mid Cap ETF CORE S&P MCP ETF | $875K | 11.4K | 0.3% | —Held | |
| 36 | General Dynamics Corp COM | $845K | 2.4K | 0.3% | ▼−0.4% Reduced · −10 sh | |
| 37 | Applied Materials Inc COM | $829K | 1.1K | 0.3% | ▲+7.1% Added · +76 sh | |
| 38 | JP Morgan Chase & Co COM | $828K | 2.5K | 0.3% | ▲+19% Added · +403 sh | |
| 39 | Lilly Eli & Co COM | $768K | 640 | 0.3% | ▼−31% Reduced · −292 sh | |
| 40 | Lam Research Corp COM NEW | $759K | 1.8K | 0.3% | ▲+6.9% Added · +113 sh | |
| 41 | Ciena Corp COM NEW | $736K | 1.5K | 0.3% | —Held | |
| 42 | Abbott Laboratories COM | $721K | 8.0K | 0.3% | ▼−4.0% Reduced · −336 sh | |
| 43 | Altria Group Inc COM | $681K | 9.5K | 0.2% | ▲+25% Added · +2K sh | |
| 44 | Walmart Inc COM | $604K | 5.3K | 0.2% | —Held | |
| 45 | Merck & Co Inc COM | $603K | 4.7K | 0.2% | ▲+81% Added · +2K sh | |
| 46 | Eaton Corp PLC ADR SHS | $553K | 1.3K | 0.2% | ▼−28% Reduced · −515 sh | |
| 47 | Vanguard Real Estate Index Fund ETF REAL ESTATE ETF | $547K | 5.7K | 0.2% | ▼−52% Reduced · −6K sh | |
| 48 | Philip Morris International Inc COM | $521K | 2.9K | 0.2% | ▼−2.9% Reduced · −87 sh | |
| 49 | Vanguard Tax Exempt Bond ETF TAX EXEMPT BD | $512K | 10.1K | 0.2% | ▼−39% Reduced · −6K sh | |
| 50 | Exxon Mobil Corp COM | $509K | 3.7K | 0.2% | ▼−3.9% Reduced · −152 sh |
This bank page is the Follow view. The Build view lets your agent pull holdings, quarter changes, overlap, and source filings through API or MCP.
curl -H "Authorization: Bearer YOUR_API_KEY" \ "https://arkolith.com/api/v1/funds/1173227/holdings"
Use Arkolith to show SOUTHERN MICHIGAN BANK & TRUST's latest holdings, largest changes, and filing provenance.
As-of date vs the date the SEC received each filing
Reported 13F total per quarter. Raw filing totals can include option notional.
Holdings from SEC EDGAR 13F-HR filings, updated quarterly, filed up to 45 days after quarter-end. Public domain. Book totals and portfolio weights cover reported non-option positions, which can include notes and warrants. Disclosed put/call options are listed separately and excluded from those totals. The performance line is a simulation of the disclosed long book, not an audited return.