NBT BANK, N.A.

NORWICH, NY · CIK 898413 · 13F filing filed 2024-07-30

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.

$1.4bn reported value +2.4% vs Q1 2024

600positions

28.6%in top 10

21 new 149 added 221 reduced 27 sold out vs Q1 2024

This report includes the holdings of 1 other manager that shares the investment decisions:

NBT Capital Management, Inc. – reports through this filing

Shares in two reports are counted once in each security's totals.

Holdings, Q2 2024

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	MICROSOFT CORP COM MSFT	MSFT	220,406	$98.5m7.04%	7.04%	Added +19.2k	+19,181 9.5%
2	APPLE INC COM AAPL	AAPL	322,940	$68.0m4.86%	4.86%	Reduced -5.4k	-5,407 -1.6%
3	FLEXSHARES TR MORNSTAR UPSTR GUNR	GUNR	1,150,438	$46.2m3.30%	3.30%	Reduced -24.1k	-24,083 -2.0%
4	ALPHABET INC CAP STK CL A GOOGL	GOOGL	186,755	$34.0m2.43%	2.43%	Reduced -66.0k	-65,968 -26.1%
5	ALPHABET INC CAP STK CL C GOOG	GOOG	164,640	$30.2m2.16%	2.16%	Added +7.1k	+7,135 4.5%
6	JPMORGAN CHASE & CO COM JPM	JPM	146,329	$29.6m2.12%	2.12%	Reduced -48	-48 -0.0%
7	ISHARES TR EAFE GRWTH ETF EFG	EFG	249,704	$25.5m1.83%	1.83%	Reduced -1.6k	-1,620 -0.6%
8	PROCTER AND GAMBLE CO COM PG	PG	140,641	$23.2m1.66%	1.66%	Reduced -20.8k	-20,810 -12.9%
9	LOWES COS INC COM LOW	LOW	103,249	$22.8m1.63%	1.63%	Added +26.9k	+26,879 35.2%
10	EXXON MOBIL CORP COM XOM	XOM	187,293	$21.6m1.54%	1.54%	Added +2.8k	+2,817 1.5%
11	TRANE TECHNOLOGIES PLC SHS TT	TT	61,717	$20.3m1.45%	1.45%	Reduced -9.9k	-9,881 -13.8%
12	JOHNSON & JOHNSON COM JNJ	JNJ	126,106	$18.4m1.32%	1.32%	Added +13.8k	+13,830 12.3%
13	MCDONALDS CORP COM MCD	MCD	71,283	$18.2m1.30%	1.30%	Added +14.0k	+13,973 24.4%
14	AMAZON COM INC COM AMZN	AMZN	91,287	$17.6m1.26%	1.26%	Reduced -48.4k	-48,417 -34.7%
15	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	39,726	$16.2m1.16%	1.16%	Reduced -7.1k	-7,060 -15.1%
16	COSTCO WHSL CORP NEW COM COST	COST	18,686	$15.9m1.14%	1.14%	Reduced -165	-165 -0.9%
17	CATERPILLAR INC COM CAT	CAT	45,654	$15.1m1.08%	1.08%	Reduced -635	-635 -1.4%
18	CHEVRON CORP NEW COM CVX	CVX	95,322	$14.9m1.07%	1.07%	Added +5.2k	+5,212 5.8%
19	PEPSICO INC COM PEP	PEP	89,049	$14.7m1.05%	1.05%	Added +392	+392 0.4%
20	ISHARES TR ISHS 1-5YR INVS IGSB	IGSB	276,377	$14.2m1.01%	1.01%	Reduced -4.4k	-4,389 -1.6%
21	ISHARES TR CORE S&P US GWT IUSG	IUSG	109,009	$13.9m0.99%	0.99%	Added +7.6k	+7,585 7.5%
22	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	48,085	$13.6m0.97%	0.97%	Added +5.8k	+5,753 13.6%
23	DEERE & CO COM DE	DE	36,234	$13.5m0.97%	0.97%	Reduced -654	-654 -1.8%
24	MERCK & CO INC COM MRK	MRK	103,867	$12.9m0.92%	0.92%	Reduced -1.1k	-1,110 -1.1%
25	ABBOTT LABS COM ABT	ABT	119,237	$12.4m0.89%	0.89%	Added +5.4k	+5,416 4.8%
26	DANAHER CORPORATION COM DHR	DHR	48,917	$12.2m0.87%	0.87%	Reduced -7.0k	-7,001 -12.5%
27	VANGUARD INDEX FDS VALUE ETF VTV	VTV	72,887	$11.7m0.84%	0.84%	Added +5.9k	+5,937 8.9%
28	SPDR SER TR S&P DIVID ETF SDY	SDY	90,952	$11.6m0.83%	0.83%	Reduced -5.2k	-5,235 -5.4%
29	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	47,866	$11.4m0.82%	0.82%	Reduced -401	-401 -0.8%
30	NBT BANCORP INC COM NBTB	NBTB	286,829	$11.1m0.79%	0.79%	Reduced -10.6k	-10,605 -3.6%
31	UNITEDHEALTH GROUP INC COM UNH	UNH	21,029	$10.7m0.77%	0.77%	Added +344	+344 1.7%
32	ABBVIE INC COM ABBV	ABBV	58,122	$10.0m0.71%	0.71%	Reduced -4.6k	-4,619 -7.4%
33	ELI LILLY & CO COM LLY	LLY	10,812	$9.8m0.70%	0.70%	Added +1.1k	+1,084 11.1%
34	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	18,185	$9.7m0.70%	0.70%	Reduced -249	-249 -1.4%
35	WALMART INC COM WMT	WMT	137,538	$9.3m0.67%	0.67%	Reduced -143.4k	-143,373 -51.0%
36	RTX CORPORATION COM RTX	RTX	92,367	$9.3m0.66%	0.66%	Added +5.8k	+5,838 6.8%
37	CISCO SYS INC COM CSCO	CSCO	193,649	$9.2m0.66%	0.66%	Added +7.7k	+7,697 4.1%
38	NVIDIA CORPORATION COM NVDA	NVDA	73,757	$9.1m0.65%	0.65%	Added +5.7k	+5,717 8.4%
39	ISHARES TR CORE MSCI EAFE IEFA	IEFA	123,335	$9.0m0.64%	0.64%	Added +4.6k	+4,554 3.8%
40	VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH	VCSH	115,745	$8.9m0.64%	0.64%	Added +6.7k	+6,749 6.2%
41	S&P GLOBAL INC COM SPGI	SPGI	19,813	$8.8m0.63%	0.63%	Added +15.4k	+15,360 344.9%
42	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	16,116	$8.8m0.63%	0.63%	Reduced -50	-50 -0.3%
43	UNION PAC CORP COM UNP	UNP	38,038	$8.6m0.62%	0.62%	Reduced -85	-85 -0.2%
44	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	100,846	$7.8m0.56%	0.56%	Reduced -855	-855 -0.8%
45	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	45,181	$7.8m0.56%	0.56%	Reduced -3.7k	-3,712 -7.6%
46	ORACLE CORP COM ORCL	ORCL	54,672	$7.7m0.55%	0.55%	Added +369	+369 0.7%
47	ISHARES TR 0-5 YR TIPS ETF STIP	STIP	76,123	$7.6m0.54%	0.54%	Added +4.0k	+3,971 5.5%
48	TJX COS INC NEW COM TJX	TJX	68,388	$7.5m0.54%	0.54%	Reduced -238	-238 -0.3%
49	GRAINGER W W INC COM GWW	GWW	8,283	$7.5m0.53%	0.53%	Added +4.0k	+3,962 91.7%
50	DISNEY WALT CO COM DIS	DIS	75,110	$7.5m0.53%	0.53%	Reduced -865	-865 -1.1%
51	ISHARES TR RUSSELL 2000 ETF IWM	IWM	35,348	$7.2m0.51%	0.51%	Added +2.0k	+2,029 6.1%
52	QUALCOMM INC COM QCOM	QCOM	35,354	$7.0m0.50%	0.50%	Reduced -394	-394 -1.1%
53	NEXTERA ENERGY INC COM NEE	NEE	97,455	$6.9m0.49%	0.49%	Added +23.3k	+23,280 31.4%
54	HONEYWELL INTL INC COM COM		31,222	$6.7m0.48%	0.48%	Reduced -76	-76 -0.2%
55	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	11,985	$6.6m0.47%	0.47%	Added +54	+54 0.5%
56	MARSH & MCLENNAN COS INC COM MRSH	MRSH	31,051	$6.5m0.47%	0.47%	Reduced -681	-681 -2.1%
57	PFIZER INC COM PFE	PFE	230,381	$6.4m0.46%	0.46%	Added +21.3k	+21,319 10.2%
58	FLEXSHARES TR STOXX GLOBR INF NFRA	NFRA	119,474	$6.4m0.45%	0.45%	Reduced -3.4k	-3,355 -2.7%
59	COCA COLA CO COM KO	KO	96,591	$6.1m0.44%	0.44%	Reduced -34.8k	-34,755 -26.5%
60	ISHARES TR MSCI EAFE ETF EFA	EFA	77,591	$6.1m0.43%	0.43%	Reduced -467	-467 -0.6%
61	HOME DEPOT INC COM HD	HD	16,776	$5.8m0.41%	0.41%	Reduced -236	-236 -1.4%
62	ISHARES TR CORE US AGGBD ET AGG	AGG	58,351	$5.7m0.40%	0.40%	Added +7.0k	+6,966 13.6%
63	ISHARES TR 1 3 YR TREAS BD SHY	SHY	66,968	$5.5m0.39%	0.39%	Added +32.3k	+32,308 93.2%
64	INGERSOLL RAND INC COM IR	IR	58,512	$5.3m0.38%	0.38%	Reduced -8.4k	-8,382 -12.5%
65	ISHARES TR NEW YORK MUN ETF NYF	NYF	98,569	$5.3m0.38%	0.38%	Added +2.8k	+2,785 2.9%
66	MONDELEZ INTL INC CL A MDLZ	MDLZ	79,770	$5.2m0.37%	0.37%	Reduced -2.1k	-2,104 -2.6%
67	GENERAL DYNAMICS CORP COM GD	GD	17,283	$5.0m0.36%	0.36%	Added +10.0k	+9,996 137.2%
68	LOCKHEED MARTIN CORP COM LMT	LMT	10,306	$4.8m0.34%	0.34%	Reduced -189	-189 -1.8%
69	AMERICAN EXPRESS CO COM AXP	AXP	20,490	$4.7m0.34%	0.34%	Added +818	+818 4.2%
70	VISA INC COM CL A V	V	17,793	$4.7m0.33%	0.33%	Added +282	+282 1.6%
71	ISHARES TR TIPS BD ETF TIP	TIP	43,693	$4.7m0.33%	0.33%	Added +4.7k	+4,721 12.1%
72	ISHARES TR GRWT ALLOCAT ETF AOR	AOR	80,148	$4.5m0.32%	0.32%	Added +8.4k	+8,448 11.8%
73	ISHARES TR CORE S&P500 ETF IVV	IVV	8,222	$4.5m0.32%	0.32%	Reduced -828	-828 -9.2%
74	PRICE T ROWE GROUP INC COM TROW	TROW	38,937	$4.5m0.32%	0.32%	Added +6.7k	+6,658 20.6%
75	ISHARES TR S&P SML 600 GWT IJT	IJT	34,803	$4.5m0.32%	0.32%	Added +3.3k	+3,338 10.6%
76	VERIZON COMMUNICATIONS INC COM VZ	VZ	106,225	$4.4m0.31%	0.31%	Reduced -1.2k	-1,245 -1.2%
77	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	111,701	$4.3m0.31%	0.31%	Reduced -916	-916 -0.8%
78	TARGET CORP COM TGT	TGT	28,936	$4.3m0.31%	0.31%	Reduced -371	-371 -1.3%
79	ISHARES TR IBOXX HI YD ETF HYG	HYG	55,351	$4.3m0.31%	0.31%	Reduced -871	-871 -1.6%
80	ISHARES TR CORE MSCI TOTAL IXUS	IXUS	62,075	$4.2m0.30%	0.30%	Added +5.7k	+5,717 10.1%
81	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	18,272	$4.1m0.30%	0.30%	Added +3.2k	+3,184 21.1%
82	LINDE PLC SHS LIN	LIN	9,393	$4.1m0.29%	0.29%	Added +175	+175 1.9%
83	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	22,545	$4.1m0.29%	0.29%	Added +2.4k	+2,362 11.7%
84	META PLATFORMS INC CL A META	META	8,103	$4.1m0.29%	0.29%	Unchanged
85	ISHARES TR ISHARES BIOTECH IBB	IBB	29,474	$4.0m0.29%	0.29%	Reduced -849	-849 -2.8%
86	ISHARES TR CORE S&P MCP ETF IJH	IJH	68,812	$4.0m0.29%	0.29%	Added +1.0k	+1,002 1.5%
87	CARRIER GLOBAL CORPORATION COM CARR	CARR	63,687	$4.0m0.29%	0.29%	Added +7.2k	+7,176 12.7%
88	VANECK ETF TRUST FALLEN ANGEL HG ANGL	ANGL	140,002	$4.0m0.28%	0.28%	Added +15.3k	+15,256 12.2%
89	ISHARES TR MSCI EMG MKT ETF EEM	EEM	92,651	$3.9m0.28%	0.28%	Reduced -1.9k	-1,904 -2.0%
90	BANK MONTREAL QUE COM BMO	BMO	45,436	$3.8m0.27%	0.27%	Unchanged
91	EATON CORP PLC SHS ETN	ETN	11,992	$3.8m0.27%	0.27%	Added +107	+107 0.9%
92	SALESFORCE INC COM CRM	CRM	14,571	$3.7m0.27%	0.27%	Added +473	+473 3.4%
93	BRISTOL-MYERS SQUIBB CO COM BMY	BMY	88,160	$3.7m0.26%	0.26%	Reduced -6.0k	-6,011 -6.4%
94	SELECT SECTOR SPDR TR SBI MATERIALS XLB	XLB	41,306	$3.6m0.26%	0.26%	Added +14.3k	+14,337 53.2%
95	MICROCHIP TECHNOLOGY INC. COM MCHP	MCHP	39,799	$3.6m0.26%	0.26%	Reduced -14	-14 -0.0%
96	NIKE INC CL B NKE	NKE	47,674	$3.6m0.26%	0.26%	Reduced -2.5k	-2,542 -5.1%
97	NOVARTIS AG SPONSORED ADR NVS	NVS	33,150	$3.5m0.25%	0.25%	Added +7.1k	+7,147 27.5%
98	WISDOMTREE TR US MIDCAP DIVID DON	DON	75,402	$3.5m0.25%	0.25%	Reduced -1.4k	-1,384 -1.8%
99	SCHWAB STRATEGIC TR US SML CAP ETF SCHA	SCHA	70,789	$3.4m0.24%	0.24%	Reduced -399	-399 -0.6%
100	PHILIP MORRIS INTL INC COM PM	PM	33,102	$3.4m0.24%	0.24%	Added +873	+873 2.7%

Sold out since Q1 2024

Security	Ticker	Shares held before	Value then
ONEOK INC NEW OKE	OKE	10,500	$841.8k10.5k shares
BROWN FORMAN CORP BF.B	BF.B	9,940	$513.1k9.9k shares
CANADIAN PACIFIC KANSAS CITY CP	CP	3,642	$321.1k3.6k shares
PALANTIR TECHNOLOGIES INC PLTR	PLTR	13,863	$319.0k13.9k shares
PIMCO ETF TR HYS	HYS	3,118	$291.5k3.1k shares
BALL CORP BALL	BALL	3,580	$241.1k3.6k shares
HUNT J B TRANS SVCS INC JBHT	JBHT	1,196	$238.3k1.2k shares
TRIMBLE INC TRMB	TRMB	3,595	$231.4k3.6k shares
EXELON CORP EXC	EXC	5,663	$212.8k5.7k shares
ANHEUSER BUSCH INBEV SA/NV BUD	BUD	3,305	$200.9k3.3k shares
SPDR SER TR SPTI	SPTI	985	$27.8k985 shares
SPDR SER TR SPMB	SPMB	1,234	$26.8k1.2k shares
PIONEER NAT RES CO PXD	PXD	70	$18.4k70 shares
SPDR SER TR SPTL	SPTL	490	$13.7k490 shares
SPDR SER TR KOMP	KOMP	245	$11.8k245 shares
FIRST TR MLP & ENERGY INCOM		1,068	$10.3k1.1k shares
SPDR SER TR TIPX	TIPX	177	$3.3k177 shares
CHEWY INC CHWY	CHWY	200	$3.2k200 shares
ISHARES GOLD TR IAU	IAU	57	$2.4k57 shares
SCHWAB STRATEGIC TR SCHI	SCHI	42	$1.9k42 shares
ISHARES TR SGOV	SGOV	18	$1.8k18 shares
JD.COM INC JD	JD	50	$1.4k50 shares
SPDR SERIES TRUST XAR	XAR	6	$8436 shares
ISHARES TR HYDB	HYDB	17	$79417 shares
SCHWAB STRATEGIC TR SCHP	SCHP	2	$1042 shares