NBT BANK, N.A.

NORWICH, NY · CIK 898413 · 13F filing filed 2023-02-10

No investment adviser registration (Form ADV) found for this filer. It may be a parent company whose subsidiaries are the registered advisers, a bank or insurer, or a manager based outside the US.

Kindbank or insurer
Others nearbyNorwich, NY

$686.2m reported value +12.1% vs Q3 2022

243positions

28.9%in top 10

21 new 75 added 124 reduced 3 sold out vs Q3 2022

Holdings, Q4 2022

The small lines show how much was held over the last 4 quarters (adjusted for stock splits).

#	Security	Ticker	Shares	Value	% of portfolio	Change	Shares change
1	FLEXSHARES TR MORNSTAR UPSTR GUNR	GUNR	1,051,629	$45.7m6.66%	6.66%	Reduced -29.7k	-29,705 -2.8%
2	APPLE INC COM AAPL	AAPL	214,415	$27.9m4.06%	4.06%	Reduced -11.8k	-11,812 -5.2%
3	MICROSOFT CORP COM MSFT	MSFT	94,945	$22.8m3.32%	3.32%	Reduced -1.8k	-1,772 -1.8%
4	ISHARES TR EAFE GRWTH ETF EFG	EFG	238,097	$19.9m2.91%	2.91%	Reduced -496	-496 -0.2%
5	EXXON MOBIL CORP COM XOM	XOM	141,259	$15.6m2.27%	2.27%	Reduced -5.0k	-4,993 -3.4%
6	JOHNSON & JOHNSON COM JNJ	JNJ	84,294	$14.9m2.17%	2.17%	Reduced -1.7k	-1,692 -2.0%
7	PROCTER AND GAMBLE CO COM PG	PG	91,064	$13.8m2.01%	2.01%	Reduced -2.8k	-2,783 -3.0%
8	JPMORGAN CHASE & CO COM JPM	JPM	99,622	$13.4m1.95%	1.95%	Reduced -342	-342 -0.3%
9	CHEVRON CORP NEW COM CVX	CVX	68,774	$12.3m1.80%	1.80%	Reduced -1.5k	-1,545 -2.2%
10	SPDR SER TR S&P DIVID ETF SDY	SDY	98,539	$12.3m1.80%	1.80%	Reduced -3.7k	-3,687 -3.6%
11	LOWES COS INC COM LOW	LOW	59,397	$11.8m1.72%	1.72%	Reduced -1.9k	-1,928 -3.1%
12	MCDONALDS CORP COM MCD	MCD	44,843	$11.8m1.72%	1.72%	Reduced -1.9k	-1,870 -4.0%
13	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	29,912	$10.5m1.53%	1.53%	Added +127	+127 0.4%
14	PEPSICO INC COM PEP	PEP	57,762	$10.4m1.52%	1.52%	Reduced -1.7k	-1,729 -2.9%
15	ISHARES TR CORE MSCI EAFE IEFA	IEFA	149,635	$9.2m1.34%	1.34%	Added +3.6k	+3,590 2.5%
16	ISHARES TR NEW YORK MUN ETF NYF	NYF	169,770	$8.9m1.30%	1.30%	Added +152.0k	+152,005 855.6%
17	NBT BANCORP INC COM NBTB	NBTB	196,200	$8.5m1.24%	1.24%	Reduced -14.3k	-14,263 -6.8%
18	FLEXSHARES TR STOXX GLOBR INF NFRA	NFRA	168,214	$8.5m1.24%	1.24%	Reduced -3.7k	-3,743 -2.2%
19	PFIZER INC COM PFE	PFE	159,868	$8.2m1.19%	1.19%	Reduced -3.0k	-3,007 -1.9%
20	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	18,392	$8.1m1.19%	1.19%	Added +807	+807 4.6%
21	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	104,041	$7.9m1.15%	1.15%	Reduced -3.3k	-3,344 -3.1%
22	DANAHER CORPORATION COM DHR	DHR	27,651	$7.3m1.07%	1.07%	Added +247	+247 0.9%
23	DEERE & CO COM DE	DE	17,013	$7.3m1.06%	1.06%	Reduced -118	-118 -0.7%
24	ABBOTT LABS COM ABT	ABT	65,693	$7.2m1.05%	1.05%	Reduced -1.3k	-1,333 -2.0%
25	UNION PAC CORP COM UNP	UNP	34,475	$7.1m1.04%	1.04%	Reduced -196	-196 -0.6%
26	ALPHABET INC CAP STK CL C GOOG	GOOG	78,455	$7.0m1.01%	1.01%	Reduced -1.4k	-1,362 -1.7%
27	MERCK & CO INC COM MRK	MRK	59,967	$6.7m0.97%	0.97%	Reduced -2.3k	-2,337 -3.8%
28	BRISTOL-MYERS SQUIBB CO COM BMY	BMY	88,187	$6.3m0.92%	0.92%	Reduced -1.3k	-1,332 -1.5%
29	RTX CORPORATION COM RTX	RTX	62,699	$6.3m0.92%	0.92%	Reduced -579	-579 -0.9%
30	UNITEDHEALTH GROUP INC COM UNH	UNH	11,441	$6.1m0.88%	0.88%	Added +119	+119 1.1%
31	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	15,837	$6.1m0.88%	0.88%	Added +2.5k	+2,543 19.1%
32	ABBVIE INC COM ABBV	ABBV	37,370	$6.0m0.88%	0.88%	Added +820	+820 2.2%
33	CISCO SYS INC COM CSCO	CSCO	126,064	$6.0m0.88%	0.88%	Added +3.3k	+3,349 2.7%
34	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	23,904	$5.7m0.83%	0.83%	Reduced -2.0k	-1,968 -7.6%
35	ISHARES TR RUSSELL 2000 ETF IWM	IWM	32,063	$5.6m0.81%	0.81%	Reduced -220	-220 -0.7%
36	TJX COS INC NEW COM TJX	TJX	69,049	$5.5m0.80%	0.80%	Added +399	+399 0.6%
37	CATERPILLAR INC COM CAT	CAT	22,236	$5.3m0.78%	0.78%	Reduced -48	-48 -0.2%
38	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	17,192	$5.3m0.77%	0.77%	Added +341	+341 2.0%
39	ISHARES TR 0-5 YR TIPS ETF STIP	STIP	54,370	$5.3m0.77%	0.77%	Added +4.3k	+4,304 8.6%
40	HONEYWELL INTL INC COM COM		24,433	$5.2m0.76%	0.76%	Reduced -47	-47 -0.2%
41	CVS HEALTH CORP COM CVS	CVS	53,115	$4.9m0.72%	0.72%	Added +587	+587 1.1%
42	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	34,683	$4.9m0.71%	0.71%	Reduced -1.0k	-1,009 -2.8%
43	ISHARES TR ISHARES BIOTECH IBB	IBB	34,981	$4.6m0.67%	0.67%	Reduced -961	-961 -2.7%
44	DISNEY WALT CO COM DIS	DIS	52,830	$4.6m0.67%	0.67%	Added +547	+547 1.1%
45	TARGET CORP COM TGT	TGT	30,490	$4.5m0.66%	0.66%	Added +228	+228 0.8%
46	LOCKHEED MARTIN CORP COM LMT	LMT	9,170	$4.5m0.65%	0.65%	Reduced -584	-584 -6.0%
47	ISHARES TR MSCI EAFE ETF EFA	EFA	67,122	$4.4m0.64%	0.64%	Added +1.5k	+1,483 2.3%
48	NEXTERA ENERGY INC COM NEE	NEE	51,309	$4.3m0.63%	0.63%	Reduced -1.7k	-1,729 -3.3%
49	QUALCOMM INC COM QCOM	QCOM	37,543	$4.1m0.60%	0.60%	Reduced -277	-277 -0.7%
50	COCA COLA CO COM KO	KO	64,321	$4.1m0.60%	0.60%	Added +2.1k	+2,132 3.4%
51	WALMART INC COM WMT	WMT	28,507	$4.0m0.59%	0.59%	Added +166	+166 0.6%
52	PRICE T ROWE GROUP INC COM TROW	TROW	34,656	$3.8m0.55%	0.55%	Reduced -904	-904 -2.5%
53	ISHARES TR MSCI EMG MKT ETF EEM	EEM	97,803	$3.7m0.54%	0.54%	Reduced -979	-979 -1.0%
54	ORACLE CORP COM ORCL	ORCL	41,802	$3.4m0.50%	0.50%	Reduced -1.5k	-1,459 -3.4%
55	VERIZON COMMUNICATIONS INC COM VZ	VZ	86,467	$3.4m0.50%	0.50%	Reduced -6.8k	-6,824 -7.3%
56	ISHARES INC CORE MSCI EMKT IEMG	IEMG	72,318	$3.4m0.49%	0.49%	Reduced -7.6k	-7,585 -9.5%
57	PHILIP MORRIS INTL INC COM PM	PM	32,915	$3.3m0.49%	0.49%	Added +325	+325 1.0%
58	VISA INC COM CL A V	V	15,849	$3.3m0.48%	0.48%	Added +621	+621 4.1%
59	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	101,399	$3.3m0.48%	0.48%	Added +5.7k	+5,700 6.0%
60	ALPHABET INC CAP STK CL A GOOGL	GOOGL	36,414	$3.2m0.47%	0.47%	Added +1.2k	+1,219 3.5%
61	SELECT SECTOR SPDR TR SBI INT-UTILS XLU	XLU	44,957	$3.2m0.46%	0.46%	Reduced -961	-961 -2.1%
62	ISHARES TR EAFE SML CP ETF SCZ	SCZ	55,780	$3.2m0.46%	0.46%	Reduced -8.1k	-8,051 -12.6%
63	BOEING CO COM BA	BA	16,512	$3.1m0.46%	0.46%	Reduced -195	-195 -1.2%
64	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	102,856	$3.1m0.45%	0.45%	Reduced -10.2k	-10,232 -9.1%
65	SPDR SER TR S&P REGL BKG KRE	KRE	51,744	$3.0m0.44%	0.44%	Reduced -1.9k	-1,869 -3.5%
66	INTEL CORP COM INTC	INTC	114,492	$3.0m0.44%	0.44%	Reduced -6.7k	-6,711 -5.5%
67	ELI LILLY & CO COM LLY	LLY	8,003	$2.9m0.43%	0.43%	Reduced -40	-40 -0.5%
68	LINDE PLC SHS 99952EUR	99952EUR	8,818	$2.9m0.42%	0.42%	Reduced -381	-381 -4.1%
69	GRAINGER W W INC COM GWW	GWW	5,113	$2.8m0.41%	0.41%	Reduced -31	-31 -0.6%
70	MICROCHIP TECHNOLOGY INC. COM MCHP	MCHP	40,092	$2.8m0.41%	0.41%	Reduced -2.3k	-2,303 -5.4%
71	HOME DEPOT INC COM HD	HD	8,776	$2.8m0.40%	0.40%	Reduced -24	-24 -0.3%
72	NIKE INC CL B NKE	NKE	23,256	$2.7m0.40%	0.40%	Reduced -343	-343 -1.4%
73	GOLDMAN SACHS GROUP INC COM GS	GS	7,619	$2.6m0.38%	0.38%	Added +42	+42 0.6%
74	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	63,665	$2.6m0.38%	0.38%	Reduced -23.3k	-23,344 -26.8%
75	PRUDENTIAL FINL INC COM PRU	PRU	25,376	$2.5m0.37%	0.37%	Reduced -317	-317 -1.2%
76	NORFOLK SOUTHN CORP COM NSC	NSC	10,194	$2.5m0.37%	0.37%	Reduced -349	-349 -3.3%
77	AMERICAN WTR WKS CO INC NEW COM AWK	AWK	15,516	$2.4m0.34%	0.34%	Reduced -1.2k	-1,249 -7.5%
78	SELECT SECTOR SPDR TR SBI MATERIALS XLB	XLB	30,057	$2.3m0.34%	0.34%	Added +1.1k	+1,119 3.9%
79	WISDOMTREE TR US MIDCAP DIVID DON	DON	56,720	$2.3m0.34%	0.34%	Added +1.7k	+1,730 3.1%
80	ISHARES TR IBOXX HI YD ETF HYG	HYG	31,369	$2.3m0.34%	0.34%	Reduced -740	-740 -2.3%
81	ISHARES TR PFD AND INCM SEC PFF	PFF	75,458	$2.3m0.34%	0.34%	Reduced -2.1k	-2,139 -2.8%
82	AIR PRODS & CHEMS INC COM APD	APD	7,279	$2.2m0.33%	0.33%	Reduced -25	-25 -0.3%
83	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	17,365	$2.2m0.31%	0.31%	Added +167	+167 1.0%
84	SCHLUMBERGER LTD COM STK SLB	SLB	40,249	$2.2m0.31%	0.31%	Reduced -459	-459 -1.1%
85	SELECT SECTOR SPDR TR RL EST SEL SEC XLRE	XLRE	57,201	$2.1m0.31%	0.31%	Reduced -16	-16 -0.0%
86	ISHARES TR CORE S&P MCP ETF IJH	IJH	8,569	$2.1m0.30%	0.30%	Added +33	+33 0.4%
87	ALTRIA GROUP INC COM MO	MO	44,971	$2.1m0.30%	0.30%	Unchanged
88	SALESFORCE INC COM CRM	CRM	14,755	$2.0m0.29%	0.29%	Reduced -723	-723 -4.7%
89	VANECK ETF TRUST AGRIBUSINESS ETF MOO	MOO	22,578	$1.9m0.28%	0.28%	Reduced -189	-189 -0.8%
90	DUPONT DE NEMOURS INC COM DWDP	DWDP	28,145	$1.9m0.28%	0.28%	Reduced -854	-854 -2.9%
91	MONDELEZ INTL INC CL A MDLZ	MDLZ	28,414	$1.9m0.28%	0.28%	Reduced -64	-64 -0.2%
92	SOUTHERN CO COM SO	SO	26,329	$1.9m0.27%	0.27%	Reduced -1.4k	-1,425 -5.1%
93	NOVARTIS AG SPONSORED ADR NVS	NVS	20,552	$1.9m0.27%	0.27%	Reduced -1.4k	-1,411 -6.4%
94	SPDR SER TR PORTFOLIO SHORT SPSB	SPSB	63,320	$1.9m0.27%	0.27%	Unchanged
95	VANGUARD SCOTTSDALE FDS INT-TERM CORP VCIT	VCIT	23,364	$1.8m0.26%	0.26%	Unchanged
96	DOW INC COM DOW	DOW	34,410	$1.7m0.25%	0.25%	Reduced -848	-848 -2.4%
97	3M CO COM MMM	MMM	14,115	$1.7m0.25%	0.25%	Reduced -244	-244 -1.7%
98	EATON CORP PLC SHS ETN	ETN	10,737	$1.7m0.25%	0.25%	Added +643	+643 6.4%
99	SCHWAB STRATEGIC TR US AGGREGATE B SCHZ	SCHZ	36,620	$1.7m0.24%	0.24%	Reduced -5.7k	-5,698 -13.5%
100	ISHARES TR 1 3 YR TREAS BD SHY	SHY	20,575	$1.7m0.24%	0.24%	Reduced -256	-256 -1.2%

Sold out since Q3 2022

Security	Ticker	Shares held before	Value then
COMMUNITY FINANCIAL SYSTEM I CBU	CBU	9,482	$569.0k9.5k shares
PAYCHEX INC PAYX	PAYX	1,964	$221.0k2.0k shares
SPDR SER TR PSK	PSK	6,005	$209.0k6.0k shares