Kennebec Savings Bank
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 22, 2026), Kennebec Savings Bank reported 249 stock positions worth $115.8 million. Its top holding was Apple (AAPL) at 7.9% of the portfolio, followed by Microsoft (MSFT, 5.7%) and Alphabet Class A (GOOGL, 4.0%). Compared with Q3 2025, it sold out of 10, added to 66 and reduced 53. The biggest buy was Vanguard Intermediate-Term B (BIV, shares +709%) and the biggest sale PayPal (PYPL, shares −23%).
- Most Recent 13F
- Q2 2026
- Location
- Augusta, ME
- CIK
- 0002043536
- Portfolio Value
- $115.8M (Q4 2025)
- SEC Filing
- 0001140361-26-001999 ↗ filed Jan 22, 2026
Holdings Value
Holdings 249 stocks · $115.8M
| AAPL Apple Inc. | 7.95% | 33,851 | $9.2M | Reduce -1.0% |
| MSFT Microsoft Corp. | 5.66% | 13,549 | $6.6M | Add +0.3% |
| GOOGL Alphabet Inc. Class A | 3.98% | 14,738 | $4.6M | Add +0.2% |
| NVDA Nvidia Corp. | 3.38% | 20,965 | $3.9M | Reduce -0.1% |
| AMZN Amazon.com Inc. | 3.00% | 15,047 | $3.5M | Add +1.8% |
| JPM JPMorgan Chase & Co. | 2.83% | 10,183 | $3.3M | Reduce -2.3% |
| AVGO Broadcom Inc. | 2.28% | 7,643 | $2.6M | Reduce -0.2% |
| VEA Vanguard Ftse Developed ETF | 2.09% | 38,665 | $2.4M | Reduce -0.6% |
| WMT Walmart Inc. | 1.87% | 19,473 | $2.2M | Add +1.7% |
| XOM Exxon Mobil Corp. | 1.85% | 17,759 | $2.1M | Reduce -0.9% |
| ABBV Abbvie Inc. | 1.82% | 9,209 | $2.1M | Add +1.3% |
| MRK Merck & Co. Inc. | 1.67% | 18,333 | $1.9M | Add +1.6% |
| AMP Ameriprise Financial Inc. | 1.57% | 3,703 | $1.8M | Add +6.4% |
| CAT Caterpillar Inc. | 1.49% | 3,002 | $1.7M | Reduce -0.4% |
| CSCO Cisco Systems Inc. | 1.46% | 21,925 | $1.7M | Add +0.7% |
| UNP Union Pacific Corp. | 1.37% | 6,870 | $1.6M | Add +0.8% |
| GOOG Alphabet Inc. Class C | 1.32% | 4,887 | $1.5M | Reduce -1.9% |
| MCD McDonald's Corp. | 1.30% | 4,911 | $1.5M | Add +1.9% |
| JNJ Johnson & Johnson | 1.29% | 7,240 | $1.5M | Add +1.7% |
| PEP Pepsico Inc. | 1.27% | 10,242 | $1.5M | Add +0.4% |
| HD Home Depot Inc. | 1.24% | 4,171 | $1.4M | Add +3.7% |
| PG The Procter & Gamble Co. | 1.22% | 9,892 | $1.4M | Add +10.2% |
| RTX RTX Corp. | 1.20% | 7,564 | $1.4M | Add +0.0% |
| BIV Vanguard Intermediate-Term B | 1.17% | 17,429 | $1.4M | Add +708.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.16% | 2,667 | $1.3M | Add +0.0% |
| MDY State Street SPDR S&P Midcap | 1.15% | 2,210 | $1.3M | No change |
| V Visa Inc. Class A | 1.09% | 3,597 | $1.3M | Add +1.2% |
| BKNG Booking Holdings Inc. | 1.04% | 225 | $1.2M | Add +1.8% |
| COST Costco Wholesale Corp. | 1.04% | 1,396 | $1.2M | Add +0.7% |
| WMB Williams Cos Inc. | 0.97% | 18,746 | $1.1M | Add +3.5% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.95% | 3,789 | $1.1M | Reduce -1.1% |
| MMIT Nylim Mackay Muni Intermedia filed as NEW YORK LIFE INVTS ACTIVE E | 0.93% | 44,053 | $1.1M | Add +486.8% |
| HON Honeywell International Inc. | 0.92% | 5,444 | $1.1M | Add +6.1% |
| ETN Eaton Corp. PLC | 0.85% | 3,079 | $981K | Add +4.7% |
| META Meta Platforms Inc. Class A | 0.82% | 1,433 | $946K | Add +0.2% |
| TMO Thermo Fisher Scientific Inc. | 0.81% | 1,618 | $938K | Add +1.5% |
| CB Chubb Ltd. | 0.81% | 3,002 | $937K | Add +1.8% |
| TSLA Tesla Inc. | 0.78% | 2,005 | $902K | Reduce -1.3% |
| CRM Salesforce Inc. | 0.77% | 3,379 | $895K | Reduce -3.7% |
| ADP Automatic Data Processing | 0.77% | 3,457 | $889K | Reduce -0.3% |
| NOC Northrop Grumman Corp. | 0.72% | 1,465 | $835K | Add +1.0% |
| VOO Vanguard S&P 500 ETF | 0.71% | 1,314 | $824K | Add +1283.2% |
| SCHW Schwab (charles) Corp. | 0.69% | 8,037 | $803K | No change |
| BX Blackstone Inc. | 0.68% | 5,113 | $788K | Add +1.8% |
| PM Philip Morris International | 0.68% | 4,882 | $783K | Reduce -0.3% |
| NEE Nextera Energy Inc. | 0.68% | 9,735 | $782K | Add +3.5% |
| MDT Medtronic PLC | 0.67% | 8,094 | $778K | Add +2.0% |
| TEL Te Connectivity PLC | 0.67% | 3,397 | $773K | Add +0.7% |
| DHR Danaher Corp. | 0.66% | 3,348 | $766K | Add +1.4% |
| LMT Lockheed Martin Corp. | 0.65% | 1,562 | $755K | Add +11.3% |
| IJR iShares Core S&P Small-Cap E | 0.65% | 6,255 | $752K | No change |
| DLR Digital Realty Trust Inc. | 0.64% | 4,801 | $743K | Add +6.7% |
| NVS Novartis AG-Sponsored ADR | 0.63% | 5,316 | $733K | Add +4.3% |
| PNC PNC Financial Services Group | 0.63% | 3,497 | $730K | Add +2.1% |
| QCOM Qualcomm Inc. | 0.62% | 4,199 | $718K | Add +2.9% |
| VNQ Vanguard Real Estate ETF | 0.61% | 8,025 | $710K | Add +8.0% |
| PLD Prologis Inc. | 0.61% | 5,548 | $708K | Add +2.7% |
| MS Morgan Stanley | 0.60% | 3,915 | $695K | Add +1.6% |
| ECL Ecolab Inc. | 0.60% | 2,632 | $691K | Add +0.8% |
| ALL Allstate Corp. | 0.57% | 3,178 | $662K | Add +3.8% |
| DGX Quest Diagnostics Inc. | 0.53% | 3,562 | $618K | Add +4.9% |
| CVX Chevron Corp. | 0.53% | 4,010 | $611K | Add +4.8% |
| SBUX Starbucks Corp. | 0.50% | 6,942 | $585K | Add +15.1% |
| HBAN Huntington Bancshares Inc. | 0.50% | 33,319 | $578K | Add +3.8% |
| IEFA iShares Core MSCI Eafe ETF | 0.50% | 6,452 | $577K | Add +0.3% |
| COP Conocophillips | 0.49% | 6,084 | $570K | Reduce -3.9% |
| ENB Enbridge Inc. | 0.47% | 11,358 | $543K | Add +1.4% |
| TRP TC Energy Corp. | 0.47% | 9,854 | $542K | Add +2.1% |
| BA The Boeing Co. | 0.47% | 2,491 | $541K | No change |
| FITB Fifth Third Bancorp | 0.47% | 11,525 | $539K | Add +5.0% |
| TFC Truist Financial Corp. | 0.46% | 10,763 | $530K | Add +2.2% |
| GLW Corning Inc. | 0.45% | 5,976 | $523K | Reduce -20.8% |
| VZ Verizon Communications Inc. | 0.43% | 12,140 | $494K | Reduce -10.6% |
| PRU Prudential Financial Inc. | 0.42% | 4,313 | $487K | Reduce -1.6% |
| ADBE Adobe Inc. | 0.40% | 1,318 | $461K | Reduce -9.3% |
| AEP American Electric Power | 0.38% | 3,771 | $435K | Add +1.7% |
| PYPL PayPal Holdings Inc. | 0.37% | 7,422 | $433K | Reduce -23.4% |
| IEMG iShares Core MSCI Emerging | 0.37% | 6,410 | $431K | Add +0.1% |
| APD Air Products & Chemicals Inc. | 0.37% | 1,719 | $425K | Add +4.0% |
| VYM Vanguard High DVD Yield ETF | 0.33% | 2,637 | $378K | Add +361.8% |
| TGT Target Corp. | 0.33% | 3,856 | $377K | Reduce -8.7% |
| BNY Bank of New York Mellon Corp. filed as BANK NEW YORK MELLON CORP | 0.32% | 3,215 | $373K | No change |
| AMT American Tower Corp. | 0.31% | 2,054 | $361K | Reduce -8.9% |
| SUSA iShares ESG Optimized MSCI U | 0.28% | 2,307 | $321K | Add +31.0% |
| FTV Fortive Corp. | 0.26% | 5,411 | $299K | Add +1.4% |
| MPC Marathon Petroleum Corp. | 0.26% | 1,815 | $295K | No change |
| HAS Hasbro Inc. | 0.25% | 3,559 | $292K | Add +2.0% |
| SNA Snap-on Inc. | 0.23% | 783 | $270K | Add +3.6% |
| DUK Duke Energy Corp. | 0.23% | 2,275 | $267K | Add +1.8% |
| SCHV Schwab US Large-Cap Value | 0.20% | 7,919 | $234K | Add +70.9% |
| DOW Dow Inc. | 0.20% | 9,812 | $229K | Reduce -50.2% |
| ZTS Zoetis Inc. | 0.18% | 1,695 | $213K | Reduce -43.1% |
| LLY Eli Lilly & Co. | 0.18% | 193 | $207K | No change |
| DFAS Dimensional US Small Cap ETF | 0.17% | 2,788 | $194K | Reduce -5.8% |
| IWF iShares Russell 1000 Growth | 0.16% | 388 | $184K | No change |
| VWO Vanguard Ftse Emerging Marke | 0.15% | 3,269 | $176K | No change |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.15% | 817 | $173K | No change |
| AVEM Avantis Emerging Markets Eq | 0.15% | 2,237 | $172K | Reduce -1.7% |
| SCHG Schwab US Large-Cap Growth | 0.15% | 5,243 | $171K | Reduce -1.0% |
| APH Amphenol Corp. Class A | 0.14% | 1,200 | $162K | No change |
Portfolio Sells Q3 2025 → Q4 2025
| PYPL PayPal Holdings Inc. | Reduce -23.4% | 0.37% | −0.22 |
| DOW Dow Inc. | Reduce -50.2% | 0.20% | −0.21 |
| ZTS Zoetis Inc. | Reduce -43.1% | 0.18% | −0.21 |
| NVDA Nvidia Corp. | Reduce -0.1% | 3.38% | −0.19 |
| JPM JPMorgan Chase & Co. | Reduce -2.3% | 2.83% | −0.16 |
| ADP Automatic Data Processing | Reduce -0.3% | 0.77% | −0.16 |
| VZ Verizon Communications Inc. | Reduce -10.6% | 0.43% | −0.12 |
| GLW Corning Inc. | Reduce -20.8% | 0.45% | −0.11 |
| AMT American Tower Corp. | Reduce -8.9% | 0.31% | −0.08 |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | Reduce -1.1% | 0.95% | −0.08 |
| ADBE Adobe Inc. | Reduce -9.3% | 0.40% | −0.07 |
| COP Conocophillips | Reduce -3.9% | 0.49% | −0.05 |
| TSCO Tractor Supply Company | Reduce -15.2% | 0.12% | −0.05 |
| SOLS Solstice Adv Materials Inc. | Reduce -88.6% | 0.01% | −0.05 |
| PM Philip Morris International | Reduce -0.3% | 0.68% | −0.05 |
| TSLA Tesla Inc. | Reduce -1.3% | 0.78% | −0.04 |
| HRL Hormel Foods Corp. | Sold out | 0.00% | −0.04 |
| VEA Vanguard Ftse Developed ETF | Reduce -0.6% | 2.09% | −0.04 |
| HI Hillenbrand Inc. | Sold out | 0.00% | −0.03 |
| UNH Unitedhealth Group Inc. | Reduce -15.3% | 0.11% | −0.03 |
| ARKW ARK Next Generation Technolo | Sold out | 0.00% | −0.03 |
| LOW Lowe's Cos Inc. | Reduce -28.3% | 0.04% | −0.02 |
| CNQ Canadian Natural Resources | Sold out | 0.00% | −0.02 |
| TGT Target Corp. | Reduce -8.7% | 0.33% | −0.02 |
| AVGO Broadcom Inc. | Reduce -0.2% | 2.28% | −0.02 |
| IBTF iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.02 |
| DFAS Dimensional US Small Cap ETF | Reduce -5.8% | 0.17% | −0.02 |
| SYY Sysco Corp. | Reduce -10.9% | 0.05% | −0.02 |
| CCJ Cameco Corp. | Sold out | 0.00% | −0.02 |
| IBDQ iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.01 |
| BTI British American Tob-SP ADR | Reduce -39.5% | 0.02% | −0.01 |
| BAH Booz Allen Hamilton Holdings | Reduce -8.7% | 0.03% | −0.01 |
| GVI iShares Intermediate Governm | Reduce -3.2% | 0.12% | −0.01 |
| IVV iShares Core S&P 500 ETF | Reduce -21.7% | 0.03% | −0.01 |
| ARKG ARK Genomic Revolution ETF | Sold out | 0.00% | −0.01 |
| CP Canadian Pacific Kansas City | Reduce -12.1% | 0.04% | −0.01 |
| SPYX SS SPDR S&P 500 Foss FL ETF | Reduce -5.1% | 0.09% | −0.01 |
| AVEM Avantis Emerging Markets Eq | Reduce -1.7% | 0.15% | −0.01 |
| DIS The Walt Disney Co. | Reduce -5.3% | 0.05% | −0.01 |
| PHO Invesco Water Resources ETF | Reduce -3.5% | 0.05% | −0.01 |
| SCHG Schwab US Large-Cap Growth | Reduce -1.0% | 0.15% | −0.01 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -61.5% | 0.00% | −0.01 |
| SLYV SS SPDR S&P 600 SC Val ETF | Reduce -1.6% | 0.10% | −0.00 |
| MP MP Materials Corp. | Reduce -41.4% | 0.00% | −0.00 |
| LKQ LKQ Corp. | Reduce -5.8% | 0.03% | −0.00 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -2.9% | 0.04% | −0.00 |
| QBTS D-Wave Quantum Inc. | Reduce -49.1% | 0.00% | −0.00 |
| RSP Invesco S&P 500 Equal Weight | Sold out | 0.00% | −0.00 |
| VG Venture Global Inc. Class A | Sold out | 0.00% | −0.00 |
| SON Sonoco Products Co. | Reduce -8.4% | 0.02% | −0.00 |
Portfolio Buys Q3 2025 → Q4 2025
| BIV Vanguard Intermediate-Term B | Add +708.8% | 1.17% | +1.02 |
| MMIT Nylim Mackay Muni Intermedia | Add +486.8% | 0.93% | +0.76 |
| GOOGL Alphabet Inc. Class A | Add +0.2% | 3.98% | +0.72 |
| VOO Vanguard S&P 500 ETF | Add +1283.2% | 0.71% | +0.66 |
| MRK Merck & Co. Inc. | Add +1.6% | 1.67% | +0.29 |
| VYM Vanguard High DVD Yield ETF | Add +361.8% | 0.33% | +0.25 |
| TMO Thermo Fisher Scientific Inc. | Add +1.5% | 0.81% | +0.10 |
| CSCO Cisco Systems Inc. | Add +0.7% | 1.46% | +0.10 |
| JNJ Johnson & Johnson | Add +1.7% | 1.29% | +0.09 |
| SCHV Schwab US Large-Cap Value | Add +70.9% | 0.20% | +0.08 |
| WMT Walmart Inc. | Add +1.7% | 1.87% | +0.08 |
| DHR Danaher Corp. | Add +1.4% | 0.66% | +0.07 |
| SUSA iShares ESG Optimized MSCI U | Add +31.0% | 0.28% | +0.06 |
| CB Chubb Ltd. | Add +1.8% | 0.81% | +0.05 |
| PLD Prologis Inc. | Add +2.7% | 0.61% | +0.05 |
| RTX RTX Corp. | Add +0.0% | 1.20% | +0.04 |
| AMZN Amazon.com Inc. | Add +1.8% | 3.00% | +0.04 |
| MS Morgan Stanley | Add +1.6% | 0.60% | +0.04 |
| SBUX Starbucks Corp. | Add +15.1% | 0.50% | +0.04 |
| WTRG Essential Utilities Inc. | Add +143.3% | 0.07% | +0.04 |
| NVS Novartis AG-Sponsored ADR | Add +4.3% | 0.63% | +0.04 |
| NEE Nextera Energy Inc. | Add +3.5% | 0.68% | +0.03 |
| FITB Fifth Third Bancorp | Add +5.0% | 0.47% | +0.02 |
| FTV Fortive Corp. | Add +1.4% | 0.26% | +0.02 |
| TFC Truist Financial Corp. | Add +2.2% | 0.46% | +0.02 |
| LMT Lockheed Martin Corp. | Add +11.3% | 0.65% | +0.01 |
| HAS Hasbro Inc. | Add +2.0% | 0.25% | +0.01 |
| AMP Ameriprise Financial Inc. | Add +6.4% | 1.57% | +0.01 |
| GIS General Mills Inc. | Add +57.3% | 0.01% | +0.00 |
| PNC PNC Financial Services Group | Add +2.1% | 0.63% | +0.00 |
| QCOM Qualcomm Inc. | Add +2.9% | 0.62% | +0.00 |
| CHD Church & Dwight Co. Inc. | Add +2.4% | 0.05% | −0.00 |
| AEP American Electric Power | Add +1.7% | 0.38% | −0.00 |
| VNQ Vanguard Real Estate ETF | Add +8.0% | 0.61% | −0.01 |
| SNA Snap-on Inc. | Add +3.6% | 0.23% | −0.01 |
| HBAN Huntington Bancshares Inc. | Add +3.8% | 0.50% | −0.01 |
| TEL Te Connectivity PLC | Add +0.7% | 0.67% | −0.01 |
| TRP TC Energy Corp. | Add +2.1% | 0.47% | −0.01 |
| IEMG iShares Core MSCI Emerging | Add +0.1% | 0.37% | −0.01 |
| IEFA iShares Core MSCI Eafe ETF | Add +0.3% | 0.50% | −0.01 |
| CVX Chevron Corp. | Add +4.8% | 0.53% | −0.01 |
| V Visa Inc. Class A | Add +1.2% | 1.09% | −0.02 |
| MDT Medtronic PLC | Add +2.0% | 0.67% | −0.02 |
| DUK Duke Energy Corp. | Add +1.8% | 0.23% | −0.02 |
| ALL Allstate Corp. | Add +3.8% | 0.57% | −0.03 |
| PG The Procter & Gamble Co. | Add +10.2% | 1.22% | −0.03 |
| PEP Pepsico Inc. | Add +0.4% | 1.27% | −0.04 |
| MCD McDonald's Corp. | Add +1.9% | 1.30% | −0.04 |
| APD Air Products & Chemicals Inc. | Add +4.0% | 0.37% | −0.04 |
| ENB Enbridge Inc. | Add +1.4% | 0.47% | −0.05 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 284 | $124.6M | AAPL, MSFT, GOOGL, NVDA, JPM |
| Q1 2026 | 249 | $111.4M | AAPL, MSFT, GOOGL, NVDA, AMZN |
| Q4 2025 | 249 | $115.8M | AAPL, MSFT, GOOGL, NVDA, AMZN |
| Q3 2025 | 258 | $109.7M | AAPL, MSFT, NVDA, GOOGL, JPM |
| Q2 2025 | 253 | $102.0M | AAPL, MSFT, NVDA, AMZN, JPM |
| Q1 2025 | 272 | $94.5M | AAPL, MSFT, AMZN, JPM, GOOGL |
| Q4 2024 | 246 | $99.3M | AAPL, MSFT, AMZN, JPM, GOOGL |
| Q3 2024 | 270 | $101.1M | AAPL, MSFT, AMZN, JPM, GOOGL |