NBT BANK, N.A.

NORWICH, NY · CIK 898413 · 13F filing filed 2023-07-24

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.

$700.3m reported value +2.4% vs Q1 2023

254positions

31.7%in top 10

9 new 58 added 151 reduced 1 sold out vs Q1 2023

Holdings, Q2 2023

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	1,126,975	$45.2m6.45%	6.45%	Added +55.2k	+55,234 5.2%
2	APPLE INC COM AAPL	AAPL	207,543	$40.3m5.75%	5.75%	Reduced -6.0k	-6,021 -2.8%
3	MICROSOFT CORP COM MSFT	MSFT	92,268	$31.4m4.49%	4.49%	Reduced -2.0k	-2,020 -2.1%
4	ISHARES TR EAFE GRWTH ETF EFG	EFG	240,506	$22.9m3.28%	3.28%	Added +1.4k	+1,407 0.6%
5	EXXON MOBIL CORP COM XOM	XOM	140,858	$15.1m2.16%	2.16%	Added +1.9k	+1,915 1.4%
6	JPMORGAN CHASE & CO COM JPM	JPM	97,887	$14.2m2.03%	2.03%	Reduced -1.1k	-1,111 -1.1%
7	PROCTER AND GAMBLE CO COM PG	PG	88,625	$13.4m1.92%	1.92%	Reduced -1.3k	-1,258 -1.4%
8	JOHNSON & JOHNSON COM JNJ	JNJ	81,165	$13.4m1.92%	1.92%	Reduced -1.3k	-1,302 -1.6%
9	LOWES COS INC COM LOW	LOW	57,012	$12.9m1.84%	1.84%	Reduced -1.3k	-1,269 -2.2%
10	MCDONALDS CORP COM MCD	MCD	43,059	$12.8m1.83%	1.83%	Reduced -973	-973 -2.2%
11	SPDR SER TR S&P DIVID ETF SDY	SDY	97,069	$11.9m1.70%	1.70%	Reduced -1.0k	-1,025 -1.0%
12	CHEVRON CORP NEW COM CVX	CVX	67,026	$10.5m1.51%	1.51%	Reduced -897	-897 -1.3%
13	PEPSICO INC COM PEP	PEP	55,809	$10.3m1.48%	1.48%	Reduced -1.2k	-1,228 -2.1%
14	ALPHABET INC CAP STK CL C GOOG	GOOG	79,224	$9.6m1.37%	1.37%	Added +139	+139 0.2%
15	ISHARES TR NEW YORK MUN ETF NYF	NYF	170,235	$9.1m1.29%	1.29%	Added +465	+465 0.3%
16	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	18,073	$8.7m1.24%	1.24%	Reduced -516	-516 -2.8%
17	ISHARES TR CORE MSCI EAFE IEFA	IEFA	127,330	$8.6m1.23%	1.23%	Reduced -12.2k	-12,180 -8.7%
18	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	109,781	$8.0m1.14%	1.14%	Added +3.9k	+3,930 3.7%
19	FLEXSHARES TR STOXX GLOBR INF NFRA	NFRA	136,349	$7.1m1.02%	1.02%	Reduced -14.7k	-14,692 -9.7%
20	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	15,927	$7.1m1.01%	1.01%	Added +65	+65 0.4%
21	UNION PAC CORP COM UNP	UNP	33,711	$6.9m0.99%	0.99%	Added +23	+23 0.1%
22	ABBOTT LABS COM ABT	ABT	61,365	$6.7m0.96%	0.96%	Reduced -2.1k	-2,148 -3.4%
23	DANAHER CORPORATION COM DHR	DHR	27,057	$6.5m0.93%	0.93%	Reduced -249	-249 -0.9%
24	MERCK & CO INC COM MRK	MRK	56,249	$6.5m0.93%	0.93%	Reduced -1.3k	-1,332 -2.3%
25	CISCO SYS INC COM CSCO	CSCO	124,568	$6.4m0.92%	0.92%	Reduced -1.6k	-1,557 -1.2%
26	DEERE & CO COM DE	DE	15,487	$6.3m0.90%	0.90%	Reduced -330	-330 -2.1%
27	ISHARES TR RUSSELL 2000 ETF IWM	IWM	32,147	$6.0m0.86%	0.86%	Added +119	+119 0.4%
28	NBT BANCORP INC COM NBTB	NBTB	188,451	$6.0m0.86%	0.86%	Reduced -5.3k	-5,284 -2.7%
29	RTX CORPORATION COM RTX	RTX	61,034	$6.0m0.85%	0.85%	Reduced -684	-684 -1.1%
30	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	16,832	$5.7m0.82%	0.82%	Reduced -339	-339 -2.0%
31	TJX COS INC NEW COM TJX	TJX	67,539	$5.7m0.82%	0.82%	Reduced -1.3k	-1,288 -1.9%
32	PFIZER INC COM PFE	PFE	150,562	$5.5m0.79%	0.79%	Reduced -5.1k	-5,128 -3.3%
33	BRISTOL-MYERS SQUIBB CO COM BMY	BMY	84,163	$5.4m0.77%	0.77%	Reduced -3.0k	-2,952 -3.4%
34	CATERPILLAR INC COM CAT	CAT	21,656	$5.3m0.76%	0.76%	Reduced -469	-469 -2.1%
35	UNITEDHEALTH GROUP INC COM UNH	UNH	10,694	$5.1m0.73%	0.73%	Reduced -110	-110 -1.0%
36	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	23,046	$5.1m0.72%	0.72%	Reduced -281	-281 -1.2%
37	ORACLE CORP COM ORCL	ORCL	41,633	$5.0m0.71%	0.71%	Reduced -835	-835 -2.0%
38	ISHARES TR MSCI EAFE ETF EFA	EFA	66,581	$4.8m0.69%	0.69%	Reduced -1.5k	-1,496 -2.2%
39	HONEYWELL INTL INC COM COM		23,189	$4.8m0.69%	0.69%	Reduced -295	-295 -1.3%
40	ABBVIE INC COM ABBV	ABBV	35,181	$4.7m0.68%	0.68%	Reduced -1.0k	-1,049 -2.9%
41	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	34,706	$4.6m0.66%	0.66%	Added +806	+806 2.4%
42	ISHARES TR 0-5 YR TIPS ETF STIP	STIP	46,475	$4.5m0.65%	0.65%	Reduced -695	-695 -1.5%
43	DISNEY WALT CO COM DIS	DIS	50,649	$4.5m0.65%	0.65%	Reduced -2.1k	-2,126 -4.0%
44	QUALCOMM INC COM QCOM	QCOM	37,656	$4.5m0.64%	0.64%	Added +260	+260 0.7%
45	WALMART INC COM WMT	WMT	28,149	$4.4m0.63%	0.63%	Reduced -382	-382 -1.3%
46	ALPHABET INC CAP STK CL A GOOGL	GOOGL	35,014	$4.2m0.60%	0.60%	Reduced -886	-886 -2.5%
47	ISHARES TR ISHARES BIOTECH IBB	IBB	31,952	$4.1m0.58%	0.58%	Reduced -257	-257 -0.8%
48	LOCKHEED MARTIN CORP COM LMT	LMT	8,740	$4.0m0.57%	0.57%	Reduced -93	-93 -1.1%
49	TARGET CORP COM TGT	TGT	30,134	$4.0m0.57%	0.57%	Reduced -287	-287 -0.9%
50	ISHARES INC CORE MSCI EMKT IEMG	IEMG	77,846	$3.8m0.55%	0.55%	Added +1.3k	+1,295 1.7%
51	COCA COLA CO COM KO	KO	63,416	$3.8m0.55%	0.55%	Reduced -380	-380 -0.6%
52	VISA INC COM CL A V	V	15,610	$3.7m0.53%	0.53%	Reduced -526	-526 -3.3%
53	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	103,124	$3.7m0.52%	0.52%	Added +1.1k	+1,120 1.1%
54	PRICE T ROWE GROUP INC COM TROW	TROW	32,761	$3.7m0.52%	0.52%	Reduced -325	-325 -1.0%
55	ISHARES TR MSCI EMG MKT ETF EEM	EEM	91,443	$3.6m0.52%	0.52%	Reduced -1.0k	-1,028 -1.1%
56	NEXTERA ENERGY INC COM NEE	NEE	48,550	$3.6m0.51%	0.51%	Reduced -694	-694 -1.4%
57	GRAINGER W W INC COM GWW	GWW	4,538	$3.6m0.51%	0.51%	Reduced -17	-17 -0.4%
58	CVS HEALTH CORP COM CVS	CVS	51,623	$3.6m0.51%	0.51%	Reduced -1.6k	-1,574 -3.0%
59	BOEING CO COM BA	BA	16,703	$3.5m0.50%	0.50%	Added +260	+260 1.6%
60	ELI LILLY & CO COM LLY	LLY	7,481	$3.5m0.50%	0.50%	Reduced -315	-315 -4.0%
61	MICROCHIP TECHNOLOGY INC. COM MCHP	MCHP	37,311	$3.3m0.48%	0.48%	Reduced -957	-957 -2.5%
62	INTEL CORP COM INTC	INTC	99,074	$3.3m0.47%	0.47%	Reduced -9.8k	-9,828 -9.0%
63	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	99,071	$3.2m0.46%	0.46%	Reduced -970	-970 -1.0%
64	LINDE PLC SHS LIN	LIN	8,403	$3.2m0.46%	0.46%	Reduced -105	-105 -1.2%
65	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	18,299	$3.2m0.45%	0.45%	Reduced -826	-826 -4.3%
66	PHILIP MORRIS INTL INC COM PM	PM	32,099	$3.1m0.45%	0.45%	Reduced -25	-25 -0.1%
67	ISHARES TR EAFE SML CP ETF SCZ	SCZ	52,208	$3.1m0.44%	0.44%	Reduced -1.6k	-1,640 -3.0%
68	SALESFORCE INC COM CRM	CRM	14,499	$3.1m0.44%	0.44%	Added +12	+12 0.1%
69	VERIZON COMMUNICATIONS INC COM VZ	VZ	81,459	$3.0m0.43%	0.43%	Reduced -5.9k	-5,875 -6.7%
70	SELECT SECTOR SPDR TR SBI INT-UTILS XLU	XLU	44,743	$2.9m0.42%	0.42%	Reduced -671	-671 -1.5%
71	AMAZON COM INC COM AMZN	AMZN	20,950	$2.7m0.39%	0.39%	Added +1.1k	+1,150 5.8%
72	HOME DEPOT INC COM HD	HD	8,365	$2.6m0.37%	0.37%	Reduced -39	-39 -0.5%
73	META PLATFORMS INC CL A META	META	8,597	$2.5m0.35%	0.35%	Reduced -498	-498 -5.5%
74	NIKE INC CL B NKE	NKE	22,331	$2.5m0.35%	0.35%	Reduced -133	-133 -0.6%
75	ISHARES TR IBOXX HI YD ETF HYG	HYG	32,801	$2.5m0.35%	0.35%	Added +947	+947 3.0%
76	GOLDMAN SACHS GROUP INC COM GS	GS	7,543	$2.4m0.35%	0.35%	Added +19	+19 0.2%
77	SELECT SECTOR SPDR TR SBI MATERIALS XLB	XLB	29,185	$2.4m0.35%	0.35%	Reduced -1.7k	-1,702 -5.5%
78	PRUDENTIAL FINL INC COM PRU	PRU	27,051	$2.4m0.34%	0.34%	Added +1.7k	+1,747 6.9%
79	WISDOMTREE TR US MIDCAP DIVID DON	DON	54,465	$2.3m0.33%	0.33%	Reduced -2.8k	-2,830 -4.9%
80	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	51,998	$2.3m0.33%	0.33%	Reduced -3.8k	-3,756 -6.7%
81	ISHARES TR CORE S&P MCP ETF IJH	IJH	8,543	$2.2m0.32%	0.32%	Reduced -23	-23 -0.3%
82	SELECT SECTOR SPDR TR RL EST SEL SEC XLRE	XLRE	57,215	$2.2m0.31%	0.31%	Reduced -35	-35 -0.1%
83	SPDR SER TR S&P REGL BKG KRE	KRE	51,247	$2.1m0.30%	0.30%	Reduced -79	-79 -0.1%
84	PALO ALTO NETWORKS INC COM PANW	PANW	8,123	$2.1m0.30%	0.30%	Added +698	+698 9.4%
85	MONDELEZ INTL INC CL A MDLZ	MDLZ	28,401	$2.1m0.30%	0.30%	Added +181	+181 0.6%
86	NVIDIA CORPORATION COM NVDA	NVDA	4,887	$2.1m0.30%	0.30%	Reduced -586	-586 -10.7%
87	ISHARES TR PFD AND INCM SEC PFF	PFF	66,733	$2.1m0.29%	0.29%	Reduced -10.3k	-10,280 -13.3%
88	AMERICAN WTR WKS CO INC NEW COM AWK	AWK	14,249	$2.0m0.29%	0.29%	Unchanged
89	NOVARTIS AG SPONSORED ADR NVS	NVS	20,117	$2.0m0.29%	0.29%	Reduced -195	-195 -1.0%
90	ALTRIA GROUP INC COM MO	MO	44,666	$2.0m0.29%	0.29%	Reduced -185	-185 -0.4%
91	EATON CORP PLC SHS ETN	ETN	9,998	$2.0m0.29%	0.29%	Reduced -409	-409 -3.9%
92	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	4,927	$2.0m0.29%	0.29%	Unchanged
93	AIR PRODS & CHEMS INC COM APD	APD	6,695	$2.0m0.29%	0.29%	Reduced -50	-50 -0.7%
94	SCHLUMBERGER LTD COM STK SLB	SLB	40,559	$2.0m0.28%	0.28%	Added +852	+852 2.1%
95	DUPONT DE NEMOURS INC COM DWDP	DWDP	26,158	$1.9m0.27%	0.27%	Reduced -1.1k	-1,121 -4.1%
96	VANGUARD SCOTTSDALE FDS INT-TERM CORP VCIT	VCIT	23,299	$1.8m0.26%	0.26%	Reduced -65	-65 -0.3%
97	VANECK ETF TRUST AGRIBUSINESS ETF MOO	MOO	22,120	$1.8m0.26%	0.26%	Reduced -399	-399 -1.8%
98	SOUTHERN CO COM SO	SO	25,296	$1.8m0.25%	0.25%	Reduced -817	-817 -3.1%
99	SELECT SECTOR SPDR TR SBI CONS DISCR XLY	XLY	10,337	$1.8m0.25%	0.25%	Reduced -290	-290 -2.7%
100	DOW INC COM DOW	DOW	32,299	$1.7m0.25%	0.25%	Reduced -1.4k	-1,398 -4.2%

Sold out since Q1 2023

Security	Ticker	Shares held before	Value then
WALGREENS BOOTS ALLIANCE INC WBA	WBA	8,987	$310.8k9.0k shares