Q3 2026 13F · SEC CIK 1173227

Southern Michigan Bank & Trust

Bank & trustFiled 2026-10-19 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $279.7M
Reported positions: 422
Holdings vs S&P 500, 3 yrs: —
Average holding period: 3 qtrs

Southern Michigan Bank & Trust is a bank & trust that reported 422 positions worth $279.7M in its Q3 2026 13F, filed 2026-10-19. Its largest holdings were Schwab Strategic Tr (SCHG, 20.4%), Schwab Strategic Tr (SCHV, 12.5%), Vanguard Bd Index Fds (BIV, 11.4%).

Southern Michigan Bank & Trust holdings largest 50 of 422 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Southern Michigan Bank & Trust 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SCHGSchwab Strategic Tr	20.4%	18.7%	1,588,868	+2.3%	$57.1M
SCHVSchwab Strategic Tr	12.5%	12.6%	1,052,949	+3.3%	$35.1M
BIVVanguard Bd Index Fds	11.4%	11.8%	437,396	+0.8%	$31.9M
GVIIshares Tr	10.5%	10.6%	284,359	+0.9%	$29.3M
VOVanguard Index Fds	7.3%	7.4%	260,341	+0.9%	$20.4M
SPSBSpdr Series Trust	3.6%	3.6%	342,408	+1.1%	$10.1M
NVDANvidia Corporation	2.9%	2.5%	35,046	-0.6%	$8.0M
AAPLApple Inc	2.7%	2.4%	23,033	-2.0%	$7.7M
039000997Armstrong Global Holding Inc. Series A	1.7%	1.7%	47,852	+0.0%	$4.8M
GOOGLAlphabet Inc	1.5%	1.6%	12,560	-2.1%	$4.3M
AMZNAmazon Com Inc	1.1%	1.1%	12,566	-2.2%	$3.1M
MSFTMicrosoft Corp	1.0%	0.7%	5,192	-2.7%	$2.7M
ABBVAbbvie Inc	0.9%	0.8%	9,343	-1.1%	$2.4M
IWFIshares Tr	0.9%	0.9%	19,204	-3.2%	$2.4M
SDYSpdr Ser Tr	0.9%	0.9%	16,386	-3.2%	$2.4M
CATCaterpillar Inc	0.8%	1.3%	2,717	-17.7%	$2.2M
GOOGAlphabet Inc	0.6%	0.7%	5,256	-4.1%	$1.8M
METAMeta Platforms Inc	0.6%	0.5%	2,359	+3.8%	$1.7M
IWDIshares Tr	0.6%	0.6%	6,808	-1.3%	$1.7M
VVisa Inc	0.6%	0.5%	4,327	-3.5%	$1.6M
JNJJohnson & Johnson	0.5%	0.5%	5,570	-3.9%	$1.5M
AVGOBroadcom Inc	0.5%	0.5%	4,059	+0.6%	$1.4M
COSTCostco Wholesale Corporation	0.5%	0.5%	1,482	-2.6%	$1.3M
MUMicron Technology Inc	0.4%	0.4%	966	+9.3%	$1.0M
PGProcter & Gamble Co	0.4%	0.4%	6,823	-3.3%	$991K
NSCNorfolk Southn Corporation	0.4%	0.4%	3,177	-2.2%	$982K
CSCOCisco Sys Inc	0.3%	0.4%	8,814	-8.6%	$949K
MAMastercard Incorporated	0.3%	0.3%	1,693	-6.9%	$934K
SYKStryker Corporation	0.3%	0.4%	3,235	-2.4%	$891K
MCDMcdonalds Corp	0.3%	0.3%	3,678	+3.4%	$849K
JPMJpmorgan Chase & Co	0.3%	0.3%	2,548	+0.8%	$843K
IJHIshares Tr	0.3%	0.3%	11,214	-1.2%	$807K
GDGeneral Dynamics Corp	0.3%	0.3%	2,355	-1.3%	$781K
SOSouthern Co	0.3%	0.3%	9,333	-2.5%	$774K
LLYEli Lilly & Co	0.3%	0.3%	649	+1.4%	$751K
ABTAbbott Laboratories	0.3%	0.3%	7,560	-4.9%	$747K
HDHome Depot Inc	0.3%	0.3%	2,573	-1.1%	$732K
UNPUnion Pac Corp	0.2%	0.3%	2,503	-22.3%	$681K
DEDeere & Co	0.2%	0.4%	892	-44.3%	$599K
AMATApplied Matls Inc	0.2%	0.3%	1,160	+1.2%	$593K
XOMExxonmobil Holdings Corp	0.2%	—	3,630	—	$591K
LRCXLam Research Corp	0.2%	0.3%	1,754	+0.2%	$576K
WMTWalmart Inc	0.2%	0.2%	5,400	+1.2%	$561K
MOAltria Group Inc	0.2%	0.2%	8,250	-12.8%	$556K
PMPhilip Morris Intl Inc	0.2%	0.2%	2,879	+0.0%	$549K
ETNEaton Corp PLC	0.2%	0.2%	1,249	-3.7%	$537K
CIENCiena Corp	0.2%	0.3%	1,500	+0.0%	$528K
VNQVanguard Index Fds	0.2%	0.2%	5,510	-2.9%	$494K
BRK-BBerkshire Hathaway Inc Del	0.2%	—	966	—	$481K
VTEBVanguard Mun Bd Fds	0.2%	0.2%	10,127	+0.0%	$480K

What Southern Michigan Bank & Trust bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: —
3 years: —
5 years: —

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$279.7M	422
Q2 2026	$281.3M	422
Q1 2026	$260.6M	424

Questions about Southern Michigan Bank & Trust's portfolio

What stocks does Southern Michigan Bank & Trust own?

Southern Michigan Bank & Trust's latest 13F, for Q3 2026 and filed Oct 19, 2026, lists 422 positions worth $279.7M. The largest are Schwab Strategic Tr (SCHG) at 20.4%, Schwab Strategic Tr (SCHV) at 12.5%, Vanguard Bd Index Fds (BIV) at 11.4%, Ishares Tr (GVI) at 10.5% and Vanguard Index Fds (VO) at 7.3%.

What did Southern Michigan Bank & Trust buy last quarter?

In Q3 2026, Southern Michigan Bank & Trust added Micron Technology Inc (MU) (+9.3% shares), compared with its Q2 2026 filing.

What did Southern Michigan Bank & Trust sell last quarter?

In Q3 2026, Southern Michigan Bank & Trust cut from its top 50 Merck & Co Inc (MRK), cut from its top 50 Exxon Mobil Corp (XOM), Deere & Co (DE) (-44.3% shares), Union Pac Corp (UNP) (-22.3% shares) and Caterpillar Inc (CAT) (-17.7% shares), compared with its Q2 2026 filing.

When is Southern Michigan Bank & Trust's next 13F filing due?

13F filings are due 45 days after each quarter ends. Southern Michigan Bank & Trust's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.