NBT BANK, N.A.

NORWICH, NY · CIK 898413 · 13F filing filed 2025-07-23

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.

$1.5bn reported value +5.2% vs Q1 2025

820positions

27.1%in top 10

25 new 118 added 274 reduced 35 sold out vs Q1 2025

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 2025

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	208,442	$103.7m7.12%	7.12%	Reduced -2.2k	-2,201 -1.0%
2	APPLE INC COM AAPL	AAPL	285,813	$58.6m4.03%	4.03%	Reduced -6.7k	-6,680 -2.3%
3	JPMORGAN CHASE & CO COM JPM	JPM	132,483	$38.4m2.64%	2.64%	Reduced -4.3k	-4,327 -3.2%
4	FLEXSHARES TR MORNSTAR UPSTR GUNR	GUNR	950,745	$38.1m2.62%	2.62%	Reduced -56.0k	-55,983 -5.6%
5	ISHARES TR EAFE GRWTH ETF EFG	EFG	270,429	$30.3m2.08%	2.08%	Added +5.5k	+5,465 2.1%
6	ALPHABET INC CAP STK CL A GOOGL	GOOGL	158,370	$27.9m1.92%	1.92%	Reduced -3.4k	-3,369 -2.1%
7	ALPHABET INC CAP STK CL C GOOG	GOOG	155,298	$27.5m1.89%	1.89%	Added +37	+37 0.0%
8	TRANE TECHNOLOGIES PLC SHS TT	TT	60,731	$26.6m1.82%	1.82%	Added +530	+530 0.9%
9	AMAZON COM INC COM AMZN	AMZN	99,047	$21.7m1.49%	1.49%	Added +1.4k	+1,360 1.4%
10	LOWES COS INC COM LOW	LOW	95,806	$21.3m1.46%	1.46%	Reduced -1.5k	-1,456 -1.5%
11	PROCTER AND GAMBLE CO COM PG	PG	131,346	$20.9m1.44%	1.44%	Reduced -1.4k	-1,361 -1.0%
12	ISHARES TR CORE S&P US GWT IUSG	IUSG	132,102	$19.9m1.36%	1.36%	Added +791	+791 0.6%
13	MCDONALDS CORP COM MCD	MCD	64,973	$19.0m1.30%	1.30%	Reduced -1.3k	-1,319 -2.0%
14	EXXON MOBIL CORP COM XOM	XOM	175,168	$18.9m1.30%	1.30%	Added +660	+660 0.4%
15	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	36,517	$17.7m1.22%	1.22%	Reduced -1.6k	-1,563 -4.1%
16	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	57,888	$17.6m1.21%	1.21%	Added +426	+426 0.7%
17	VANGUARD INDEX FDS VALUE ETF VTV	VTV	99,151	$17.5m1.20%	1.20%	Added +1.7k	+1,740 1.8%
18	JOHNSON & JOHNSON COM JNJ	JNJ	112,761	$17.2m1.18%	1.18%	Reduced -2.2k	-2,209 -1.9%
19	CATERPILLAR INC COM CAT	CAT	42,173	$16.4m1.12%	1.12%	Added +11.1k	+11,086 35.7%
20	DEERE & CO COM DE	DE	32,072	$16.3m1.12%	1.12%	Reduced -873	-873 -2.6%
21	COSTCO WHSL CORP NEW COM COST	COST	15,055	$14.9m1.02%	1.02%	Reduced -357	-357 -2.3%
22	ABBOTT LABS COM ABT	ABT	105,811	$14.4m0.99%	0.99%	Reduced -4.6k	-4,590 -4.2%
23	ISHARES TR ISHS 1-5YR INVS IGSB	IGSB	248,321	$13.1m0.90%	0.90%	Reduced -5.4k	-5,415 -2.1%
24	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	43,113	$12.7m0.87%	0.87%	Reduced -398	-398 -0.9%
25	WALMART INC COM WMT	WMT	129,947	$12.7m0.87%	0.87%	Reduced -2.5k	-2,463 -1.9%
26	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	40,896	$12.6m0.87%	0.87%	Reduced -1.5k	-1,520 -3.6%
27	RTX CORPORATION COM RTX	RTX	86,117	$12.6m0.86%	0.86%	Reduced -585	-585 -0.7%
28	CHEVRON CORP NEW COM CVX	CVX	85,598	$12.3m0.84%	0.84%	Reduced -1.6k	-1,613 -1.9%
29	NVIDIA CORPORATION COM NVDA	NVDA	74,253	$11.7m0.81%	0.81%	Added +2.9k	+2,878 4.0%
30	ORACLE CORP COM ORCL	ORCL	51,295	$11.2m0.77%	0.77%	Reduced -577	-577 -1.1%
31	SPDR SER TR S&P DIVID ETF SDY	SDY	82,392	$11.2m0.77%	0.77%	Unchanged
32	NBT BANCORP INC COM NBTB	NBTB	268,807	$11.2m0.77%	0.77%	Reduced -7.2k	-7,246 -2.6%
33	CISCO SYS INC COM CSCO	CSCO	159,858	$11.1m0.76%	0.76%	Reduced -7.5k	-7,473 -4.5%
34	ISHARES TR 0-5 YR TIPS ETF STIP	STIP	103,466	$10.6m0.73%	0.73%	Added +1.8k	+1,793 1.8%
35	S&P GLOBAL INC COM SPGI	SPGI	19,448	$10.3m0.70%	0.70%	Added +32	+32 0.2%
36	PEPSICO INC COM PEP	PEP	77,534	$10.2m0.70%	0.70%	Reduced -2.6k	-2,644 -3.3%
37	ABBVIE INC COM ABBV	ABBV	53,966	$10.0m0.69%	0.69%	Added +734	+734 1.4%
38	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	16,526	$9.4m0.64%	0.64%	Reduced -929	-929 -5.3%
39	VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD VCSH	VCSH	113,065	$9.0m0.62%	0.62%	Added +785	+785 0.7%
40	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	14,139	$8.7m0.60%	0.60%	Reduced -1.5k	-1,523 -9.7%
41	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	15,353	$8.7m0.60%	0.60%	Unchanged
42	UNION PAC CORP COM UNP	UNP	37,047	$8.5m0.59%	0.59%	Reduced -554	-554 -1.5%
43	DANAHER CORPORATION COM DHR	DHR	43,098	$8.5m0.58%	0.58%	Reduced -837	-837 -1.9%
44	ELI LILLY & CO COM LLY	LLY	10,648	$8.3m0.57%	0.57%	Added +229	+229 2.2%
45	GRAINGER W W INC COM GWW	GWW	7,964	$8.3m0.57%	0.57%	Reduced -116	-116 -1.4%
46	TJX COS INC NEW COM TJX	TJX	67,032	$8.3m0.57%	0.57%	Reduced -1.8k	-1,826 -2.6%
47	ISHARES TR CORE US AGGBD ET AGG	AGG	82,442	$8.2m0.56%	0.56%	Added +1.7k	+1,726 2.1%
48	MERCK & CO INC COM MRK	MRK	95,772	$7.6m0.52%	0.52%	Reduced -1.6k	-1,628 -1.7%
49	ISHARES TR 1 3 YR TREAS BD SHY	SHY	91,339	$7.6m0.52%	0.52%	Added +2.6k	+2,616 3.0%
50	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	285,193	$7.6m0.52%	0.52%	Added +1.6k	+1,627 0.6%
51	FLEXSHARES TR STOXX GLOBR INF NFRA	NFRA	121,541	$7.5m0.52%	0.52%	Reduced -2.4k	-2,419 -1.9%
52	ISHARES TR RUSSELL 2000 ETF IWM	IWM	34,669	$7.5m0.51%	0.51%	Reduced -907	-907 -2.5%
53	DISNEY WALT CO COM DIS	DIS	58,727	$7.3m0.50%	0.50%	Reduced -2.1k	-2,056 -3.4%
54	ISHARES TR CORE MSCI EAFE IEFA	IEFA	86,420	$7.2m0.50%	0.50%	Reduced -2.2k	-2,235 -2.5%
55	GOLDMAN SACHS GROUP INC COM GS	GS	9,876	$7.0m0.48%	0.48%	Added +583	+583 6.3%
56	ISHARES TR MSCI EAFE ETF EFA	EFA	76,550	$6.8m0.47%	0.47%	Reduced -1.1k	-1,120 -1.4%
57	HONEYWELL INTL INC COM COM		28,545	$6.6m0.46%	0.46%	Reduced -521	-521 -1.8%
58	META PLATFORMS INC CL A META	META	8,917	$6.6m0.45%	0.45%	Added +498	+498 5.9%
59	COCA COLA CO COM KO	KO	91,569	$6.5m0.44%	0.44%	Reduced -323	-323 -0.3%
60	ISHARES TR CORE MSCI TOTAL IXUS	IXUS	82,489	$6.4m0.44%	0.44%	Added +1.3k	+1,302 1.6%
61	ISHARES TR S&P SML 600 GWT IJT	IJT	47,017	$6.3m0.43%	0.43%	Added +960	+960 2.1%
62	NEXTERA ENERGY INC COM NEE	NEE	88,685	$6.2m0.42%	0.42%	Reduced -1.8k	-1,776 -2.0%
63	VANGUARD INDEX FDS SM CP VAL ETF VBR	VBR	31,529	$6.1m0.42%	0.42%	Added +705	+705 2.3%
64	ISHARES TR GRWT ALLOCAT ETF AOR	AOR	98,865	$6.1m0.42%	0.42%	Added +1.9k	+1,948 2.0%
65	PALO ALTO NETWORKS INC COM PANW	PANW	29,665	$6.1m0.42%	0.42%	Added +1.8k	+1,763 6.3%
66	VISA INC COM CL A V	V	17,015	$6.0m0.41%	0.41%	Reduced -202	-202 -1.2%
67	NETFLIX INC COM NFLX	NFLX	4,457	$6.0m0.41%	0.41%	Added +610	+610 15.9%
68	ISHARES TR IBOXX HI YD ETF HYG	HYG	71,233	$5.7m0.39%	0.39%	Reduced -3.9k	-3,946 -5.2%
69	HOME DEPOT INC COM HD	HD	15,372	$5.6m0.39%	0.39%	Reduced -154	-154 -1.0%
70	VANECK ETF TRUST FALLEN ANGEL HG ANGL	ANGL	192,341	$5.6m0.39%	0.39%	Added +6.5k	+6,483 3.5%
71	PHILIP MORRIS INTL INC COM PM	PM	30,693	$5.6m0.38%	0.38%	Reduced -546	-546 -1.8%
72	ISHARES TR 20 YR TR BD ETF TLT	TLT	62,329	$5.5m0.38%	0.38%	Added +1.7k	+1,671 2.8%
73	ISHARES TR NEW YORK MUN ETF NYF	NYF	105,220	$5.5m0.38%	0.38%	Reduced -1.0k	-1,020 -1.0%
74	AMERICAN EXPRESS CO COM AXP	AXP	17,059	$5.4m0.37%	0.37%	Reduced -310	-310 -1.8%
75	GENERAL DYNAMICS CORP COM GD	GD	18,146	$5.3m0.36%	0.36%	Added +703	+703 4.0%
76	MARSH & MCLENNAN COS INC COM MRSH	MRSH	23,822	$5.2m0.36%	0.36%	Reduced -1.5k	-1,483 -5.9%
77	QUALCOMM INC COM QCOM	QCOM	32,666	$5.2m0.36%	0.36%	Reduced -1.4k	-1,431 -4.2%
78	BANK MONTREAL QUE COM BMO	BMO	46,087	$5.1m0.35%	0.35%	Added +44.1k	+44,075 2190.6%
79	ISHARES TR CORE S&P500 ETF IVV	IVV	8,018	$5.0m0.34%	0.34%	Reduced -118	-118 -1.4%
80	INGERSOLL RAND INC COM IR	IR	58,384	$4.9m0.33%	0.33%	Unchanged
81	SCHWAB STRATEGIC TR INTL EQTY ETF SCHF	SCHF	212,059	$4.7m0.32%	0.32%	Reduced -5.8k	-5,786 -2.7%
82	UNITEDHEALTH GROUP INC COM UNH	UNH	14,660	$4.6m0.31%	0.31%	Reduced -2.6k	-2,645 -15.3%
83	EATON CORP PLC SHS ETN	ETN	12,741	$4.5m0.31%	0.31%	Reduced -496	-496 -3.8%
84	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	17,438	$4.4m0.30%	0.30%	Added +228	+228 1.3%
85	LOCKHEED MARTIN CORP COM LMT	LMT	9,277	$4.3m0.29%	0.29%	Reduced -336	-336 -3.5%
86	ISHARES TR MSCI EMG MKT ETF EEM	EEM	86,678	$4.2m0.29%	0.29%	Added +1.9k	+1,914 2.3%
87	CARRIER GLOBAL CORPORATION COM CARR	CARR	56,748	$4.2m0.29%	0.29%	Reduced -3.2k	-3,201 -5.3%
88	PFIZER INC COM PFE	PFE	167,364	$4.1m0.28%	0.28%	Reduced -18.0k	-17,983 -9.7%
89	LINDE PLC SHS LIN	LIN	8,589	$4.0m0.28%	0.28%	Added +43	+43 0.5%
90	BROADCOM INC COM AVGO	AVGO	14,452	$4.0m0.27%	0.27%	Added +2.2k	+2,187 17.8%
91	ISHARES TR CORE S&P MCP ETF IJH	IJH	63,741	$4.0m0.27%	0.27%	Reduced -1.8k	-1,761 -2.7%
92	SALESFORCE INC COM CRM	CRM	14,397	$3.9m0.27%	0.27%	Added +35	+35 0.2%
93	VERIZON COMMUNICATIONS INC COM VZ	VZ	90,066	$3.9m0.27%	0.27%	Reduced -598	-598 -0.7%
94	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	9,546	$3.9m0.27%	0.27%	Reduced -598	-598 -5.9%
95	UBER TECHNOLOGIES INC COM UBER	UBER	40,981	$3.8m0.26%	0.26%	Reduced -50	-50 -0.1%
96	ISHARES TR EAFE SML CP ETF SCZ	SCZ	52,149	$3.8m0.26%	0.26%	Reduced -983	-983 -1.9%
97	AT&T INC COM T	T	130,689	$3.8m0.26%	0.26%	Added +1.3k	+1,261 1.0%
98	MONDELEZ INTL INC CL A MDLZ	MDLZ	55,231	$3.7m0.26%	0.26%	Reduced -3.6k	-3,574 -6.1%
99	MASTERCARD INCORPORATED CL A MA	MA	6,505	$3.7m0.25%	0.25%	Reduced -37	-37 -0.6%
100	BERKSHIRE HATHAWAY INC DEL CL A BRK.A	BRK.A	5	$3.6m0.25%	0.25%	Unchanged

Sold out since Q1 2025

Security	Ticker	Shares held before	Value then
IONIS PHARMACEUTICALS INC IONS	IONS	17,050	$514.4k17.1k shares
MOTOROLA SOLUTIONS INC MSI	MSI	200	$87.6k200 shares
ISHARES TR QLTA	QLTA	1,570	$74.6k1.6k shares
LINCOLN ELEC HLDGS INC LECO	LECO	350	$66.2k350 shares
HCA HEALTHCARE INC HCA	HCA	150	$51.8k150 shares
ISHARES TR USXF	USXF	662	$30.9k662 shares
TRIMBLE INC TRMB	TRMB	469	$30.8k469 shares
DIAMONDBACK ENERGY INC FANG	FANG	174	$27.8k174 shares
SMITH A O CORP AOS	AOS	400	$26.1k400 shares
AGILENT TECHNOLOGIES INC A	A	150	$17.5k150 shares
ROKU INC ROKU	ROKU	200	$14.1k200 shares
Petrochina Co 'H'CNY1		17,000	$13.7k17.0k shares
IDACORP INC IDA	IDA	100	$11.6k100 shares
NEUROCRINE BIOSCIENCES INC NBIX	NBIX	105	$11.6k105 shares
NEXTRACKER INC NXT	NXT	179	$7.5k179 shares
BRITISH AMERN TOB PLC BTI	BTI	173	$7.2k173 shares
RAYONIER INC RYN	RYN	240	$6.7k240 shares
BARRICK GOLD CORP		336	$6.5k336 shares
LXP INDUSTRIAL TRUST LXP 6.5 PERP C	LXP 6.5 PERP C	100	$4.6k100 shares
OXFORD SQUARE CAP CORP OXSQ	OXSQ	1,666	$4.3k1.7k shares
DELL TECHNOLOGIES INC DELL	DELL	28	$2.6k28 shares
HOST HOTELS & RESORTS INC HST	HST	157	$2.2k157 shares
V2X INC VVX	VVX	30	$1.5k30 shares
ON HLDG AG ONON	ONON	25	$1.1k25 shares
MARRIOTT VACATIONS WORLDWIDE VAC	VAC	17	$1.1k17 shares