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Bath Savings Trust Co.
Bath Savings Trust Co is a wholly-owned subsidiary of Bath Savings Institution, headquartered in Bath, Maine. Founded in 1989, it operates as an investment management firm offering services for individuals, businesses, municipalities, and non-profits. The company provides investment management, retirement planning, trustee work, and trust and estate planning. Assets under management exceed $1.8 billion, and its dedicated team is led by President Thomas C. Whelan. The firm is locally staffed and focused on personalized, quality investment services.
Investment Strategy
Bath Savings Trust Co employs an individualized investment management approach, focusing on personalized service, quality control, and minimizing fee layers for clients. The firm provides expert planning across investments, retirement, trusts, and estate planning, serving individuals, businesses, municipalities, and non-profits. It acts as an independent trustee and coordinates closely with legal and tax advisors to develop client-centric investment and legacy solutions, charging fees as a percentage of managed assets.
Latest 13F Filing Activity
Bath Savings Trust Co. filed their most recent 13F report on Sep 30, 2025 disclosing 166 equity positions with a total 13F market value of $1B. The fund increased holdings in Apple Inc., Alphabet Inc. Cap STK CL A, TJX Cos Inc. New among other positions. Bath Savings Trust Co. reduced exposure to Fiserv Inc. Wisc PV Ict, Factset Research Systems Inc., Intuit Inc. among others.
Top Holdings
Equity Positions (166)
| Ticker | Security | Weight | Market Value | Shares | Avg Cost | Price | Change (QoQ) |
|---|---|---|---|---|---|---|---|
A AAPL | APPLE INC | 6.99% | $70.6M | 277,295 | $20.05 | $254.63 | +$13.6M |
T TJX | TJX COS INC NEW | 5.71% | $57.7M | 399,075 | $27.59 | $144.54 | +$7.9M |
M MA | MASTERCARD INCORPORATED | 5.63% | $56.9M | 100,042 | $68.67 | $568.81 | +$465.9K |
M MSFT | MICROSOFT CORPORATION | 4.89% | $49.4M | 95,364 | $133.68 | $517.95 | +$1.9M |
| ALPHABET INC CAP STK CL A | 4.63% | $46.8M | 192,402 | $51.56 | $243.10 | +$12.6M |
Industry Allocation
Investment Team (2)
| Name | Role | Location | |
|---|---|---|---|
 | Vice President, Trust and Investment Officer | Bath, ME , United States | |
N Nate Miller | Commercial Portfolio Analyst | Lisbon, ME , United States |
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