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Bath Savings Trust Co
Thomas C. Whelan · Asset Manager · Value
Bath Savings Trust Co is a wholly owned subsidiary of Bath Savings Institution, a mutual savings bank established in 1852 and based in Bath, Maine. Founded in 1989, the trust company provides comprehensive wealth management, fiduciary services, and retirement planning to individuals, families, and non-profit organizations. It distinguishes itself through a personalized, non-commission-based approach that prioritizes long-term client relationships and local independent investment options. With over $1.8 billion in assets under management, the firm focuses on delivering consistent growth and capital preservation through disciplined investment strategies tailored to the unique financial goals of its clientele.
Simulated Performance
| Metric | Value |
|---|---|
| Total return | +4.0% |
| YTD return | +0.2% |
| Sharpe ratio | 1.22 |
| Win rate | 52% |
| AUM | $0.6B |
| Inception | Oct 1, 2025 |
| Updated | Sep 4, 2026 |
Institution Status
| Field | Value |
|---|---|
| AUM | $0.6B |
| Turnover | Low (<15%) |
| Avg holding | 18 Months |
| Inception | Oct 1, 2025 |
| Website | https://www.bathsavings.bank/trust-investments |
Current Holdings
Updated on Sep 4, 2026.
| Ticker | Name | Portfolio % | Return |
|---|---|---|---|
| AAPL | Apple Inc | 12.4% | +25.4% |
| GOOGL | Alphabet Inc Class A | 10.5% | +38.3% |
| TJX | The TJX Companies Inc | 10.0% | -8.2% |
| MA | Mastercard Inc | 8.8% | +1.5% |
| SYK | Stryker Corporation | 6.5% | -16.4% |
| MSFT | Microsoft Corporation | 6.1% | -2.1% |
| LLY | Eli Lilly and Company | 4.2% | +39.4% |
| NEE | Nextera Energy Inc | 4.0% | +6.5% |
| COST | Costco Wholesale Corp | 3.9% | -1.6% |
| ADP | Automatic Data Processing Inc | 3.8% | -0.7% |
| INTU | Intuit Inc | 3.7% | -48.6% |
| ECL | Ecolab Inc | 3.6% | +3.2% |
| XOM | Exxon Mobil Corp | 3.6% | +43.6% |
| BR | Broadridge Financial Solutions Inc | 3.4% | -24.3% |
| ABT | Abbott Laboratories | 3.0% | -17.1% |
| AMZN | Amazon.com Inc | 3.0% | +17.2% |
| WSO | Watsco Inc | 2.6% | -21.2% |
| HEI | Heico Corporation | 2.4% | +1.8% |
| NVDA | NVIDIA Corporation | 2.1% | +23.0% |
| CHD | Church & Dwight Company Inc | 2.1% | -2.9% |
Recent activity
| Date | Action | Ticker | Weight |
|---|---|---|---|
| Feb 9, 2026 | SELL | LLY | 4.3% → 4.2% |
| Feb 9, 2026 | BUY | SYK | 5.9% → 6.5% |
| Feb 9, 2026 | BUY | BR | 3.4% → 3.4% |
| Feb 9, 2026 | BUY | MA | 8.1% → 8.8% |
| Feb 9, 2026 | BUY | INTU | 4.0% → 3.7% |
Investment Style Analysis
Bath Savings Trust Co is widely recognized for employing a Value strategy. As of Sep 4, 2026, the firm oversees approximately $0.6B in assets under management (AUM). The portfolio demonstrates a clear preference for the Consumer Electronics and Internet Content & Information sectors, reflecting a high-conviction approach to capital allocation.
Recent Market Moves
During the latest rebalancing period ending Feb 9, Bath Savings Trust Co made a significant move by reducing the position in LLY. This adjustment aligns with the fund's dynamic approach to risk management and capital deployment in current market conditions.
Investment Philosophy
The investment philosophy of Bath Savings Trust Co is centered on achieving consistent asset stability and long-term growth through a disciplined and personalized approach. The firm avoids commission-based models to ensure that investment decisions are solely aligned with the client's financial objectives and risk tolerance. By focusing on high-quality investments and diversification, the team seeks to protect capital while capturing market opportunities. Their strategy emphasizes fundamental research and independent decision-making, aiming to simplify complex financial landscapes and provide clients with peace of mind through proven performance and exceptional service.
Disclaimer
The content provided on this page, including the simulated portfolio performance, holdings analysis, and AI-generated insights, is for informational and educational purposes only. It does not constitute financial advice, investment recommendations, or an offer to buy or sell any securities. All data is derived from historical SEC 13F filings and other public disclosures, which have a reporting lag. The "Simulated Performance" is a hypothetical reconstruction based on past disclosures and does not represent the actual returns of the institution. Past performance is not indicative of future results. Tritonix.ai is not affiliated with Bath Savings Trust Co.
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Frequently asked questions
How is the simulated portfolio for Bath Savings Trust Co constructed?
This simulation is powered by Tritonix AI using official SEC filings. We focus on the "Best Ideas" by filtering for only the Top 20 largest holdings and rebalancing them to 100%. The simulation tracks performance starting from Oct 1, 2025. Our AI monitors for updates every Monday to capture major shifts. This concentrated approach highlights the manager's true stock-picking skill and mirrors their actual investment returns.
What is Bath Savings Trust Co's largest holding?
As of the latest filing, Bath Savings Trust Co's top position is Apple Inc (AAPL), representing 12.4% of the portfolio. This reflects a high-conviction bet by the institution.
What is Bath Savings Trust Co's historical performance and risk profile?
Our simulation indicates a total return of +4.0% with a win rate of 52%. Notably, the portfolio maintains a Sharpe Ratio of 1.22, suggesting an strong level of risk-adjusted returns compared to the broader market.
What sectors does Bath Savings Trust Co primarily invest in?
Bath Savings Trust Co has a strong preference for the Consumer Electronics sector, which makes up 12.4% of their disclosed assets. The portfolio also has exposure to Internet Content & Information, indicating a specific thematic focus.
Is Bath Savings Trust Co's portfolio concentrated or diversified?
Bath Savings Trust Co runs a moderately concentrated portfolio with 20 disclosed positions. The top 3 holdings alone account for 32.9% of the total portfolio weight, suggesting a strategy that favors broader market exposure.
How has Bath Savings Trust Co performed in 2026?
Our AI-simulated model portfolio for Bath Savings Trust Co tracks a Year-to-Date (YTD) return of +0.2%. This metric helps investors gauge the institution's effectiveness in the current market environment.
Does Thomas C. Whelan manage Bath Savings Trust Co directly?
Yes, Thomas C. Whelan serves as the key portfolio manager for Bath Savings Trust Co, overseeing the investment strategy and final capital allocation decisions.