NBT BANK, N.A.

NORWICH, NY · CIK 898413 · 13F filing filed 2026-07-29

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 -1.1% vs Q1 2026

1,069positions

30.9%in top 10

145 new 81 added 375 reduced 149 sold out vs Q1 2026

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 2026

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	201,559	$75.2m4.98%	4.98%	Reduced -1.1k	-1,063 -0.5%
2	APPLE INC COM AAPL	AAPL	256,533	$74.2m4.92%	4.92%	Reduced -14.3k	-14,284 -5.3%
3	ALPHABET INC CAP STK CL A GOOGL	GOOGL	141,664	$50.6m3.35%	3.35%	Reduced -4.7k	-4,717 -3.2%
4	ALPHABET INC CAP STK CL C GOOG	GOOG	138,526	$48.9m3.24%	3.24%	Reduced -6.2k	-6,197 -4.3%
5	FLEXSHARES TR MORNSTAR UPSTR GUNR	GUNR	941,050	$46.4m3.07%	3.07%	Added +14.3k	+14,343 1.6%
6	CATERPILLAR INC COM CAT	CAT	38,438	$40.9m2.71%	2.71%	Reduced -1.6k	-1,639 -4.1%
7	JPMORGAN CHASE & CO COM JPM	JPM	122,789	$40.2m2.66%	2.66%	Reduced -2.2k	-2,219 -1.8%
8	ISHARES TR EAFE GRWTH ETF EFG	EFG	291,924	$36.3m2.41%	2.41%	Added +550	+550 0.2%
9	TRANE TECHNOLOGIES PLC SHS TT	TT	56,001	$27.5m1.82%	1.82%	Reduced -561	-561 -1.0%
10	JOHNSON & JOHNSON COM JNJ	JNJ	104,249	$26.5m1.75%	1.75%	Reduced -3.8k	-3,792 -3.5%
11	AMAZON COM INC COM AMZN	AMZN	96,228	$22.9m1.52%	1.52%	Reduced -2.2k	-2,218 -2.2%
12	EXXON MOBIL CORP COM XOM	XOM	156,968	$21.5m1.42%	1.42%	Reduced -11.0k	-10,965 -6.5%
13	LOWES COS INC COM LOW	LOW	90,157	$19.9m1.32%	1.32%	Reduced -812	-812 -0.9%
14	DEERE & CO COM DE	DE	30,162	$19.1m1.27%	1.27%	Reduced -118	-118 -0.4%
15	CISCO SYS INC COM CSCO	CSCO	152,054	$17.9m1.18%	1.18%	Reduced -1.0k	-1,008 -0.7%
16	VANGUARD INDEX FDS S&P 500 ETF SHS VOO	VOO	25,641	$17.6m1.17%	1.17%	Added +10.2k	+10,151 65.5%
17	PROCTER AND GAMBLE CO COM PG	PG	115,847	$17.0m1.13%	1.13%	Reduced -5.2k	-5,177 -4.3%
18	BERKSHIRE HATHAWAY INC DEL CL B NEW BRK.B	BRK.B	33,178	$16.6m1.10%	1.10%	Reduced -3.7k	-3,744 -10.1%
19	MCDONALDS CORP COM MCD	MCD	60,954	$16.5m1.09%	1.09%	Reduced -766	-766 -1.2%
20	RTX CORPORATION COM RTX	RTX	81,864	$15.5m1.03%	1.03%	Reduced -2.3k	-2,318 -2.8%
21	INTERNATIONAL BUSINESS MACHS COM IBM	IBM	50,376	$14.2m0.94%	0.94%	Reduced -3.7k	-3,728 -6.9%
22	WALMART INC COM WMT	WMT	121,703	$13.8m0.91%	0.91%	Reduced -5.7k	-5,676 -4.5%
23	NVIDIA CORPORATION COM NVDA	NVDA	68,648	$13.7m0.91%	0.91%	Reduced -2.7k	-2,729 -3.8%
24	ISHARES TR 0-5 YR TIPS ETF STIP	STIP	134,315	$13.7m0.91%	0.91%	Added +3.8k	+3,828 2.9%
25	CHEVRON CORP NEW COM CVX	CVX	79,862	$13.2m0.88%	0.88%	Reduced -2.3k	-2,299 -2.8%
26	NBT BANCORP INC COM NBTB	NBTB	261,448	$12.9m0.85%	0.85%	Added +978	+978 0.4%
27	COSTCO WHSL CORP NEW COM COST	COST	13,778	$12.9m0.85%	0.85%	Reduced -383	-383 -2.7%
28	ISHARES TR ISHS 1-5YR INVS IGSB	IGSB	241,578	$12.7m0.84%	0.84%	Reduced -3.3k	-3,292 -1.3%
29	ABBVIE INC COM ABBV	ABBV	49,973	$12.6m0.83%	0.83%	Reduced -1.1k	-1,148 -2.2%
30	SPDR SER TR S&P DIVID ETF SDY	SDY	81,122	$12.3m0.82%	0.82%	Reduced -830	-830 -1.0%
31	ELI LILLY & CO COM LLY	LLY	10,125	$12.1m0.80%	0.80%	Added +1.4k	+1,447 16.7%
32	PALO ALTO NETWORKS INC COM PANW	PANW	35,204	$12.0m0.80%	0.80%	Added +3.0k	+3,010 9.3%
33	MERCK & CO INC COM MRK	MRK	87,583	$11.3m0.75%	0.75%	Reduced -2.3k	-2,313 -2.6%
34	SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP MDY	MDY	14,809	$10.4m0.69%	0.69%	Reduced -400	-400 -2.6%
35	TJX COS INC NEW COM TJX	TJX	67,376	$10.2m0.68%	0.68%	Added +330	+330 0.5%
36	GOLDMAN SACHS GROUP INC COM GS	GS	9,827	$9.9m0.66%	0.66%	Reduced -59	-59 -0.6%
37	UNION PAC CORP COM UNP	UNP	36,098	$9.8m0.65%	0.65%	Reduced -133	-133 -0.4%
38	SPDR S&P 500 ETF TR TR UNIT SPY	SPY	13,145	$9.8m0.65%	0.65%	Reduced -245	-245 -1.8%
39	ISHARES TR RUSSELL 2000 ETF IWM	IWM	32,671	$9.8m0.65%	0.65%	Reduced -1.5k	-1,502 -4.4%
40	GRAINGER W W INC COM GWW	GWW	7,095	$9.7m0.64%	0.64%	Reduced -183	-183 -2.5%
41	PEPSICO INC COM PEP	PEP	68,777	$9.3m0.62%	0.62%	Reduced -2.1k	-2,092 -3.0%
42	ISHARES TR CORE MSCI EAFE IEFA	IEFA	92,452	$8.9m0.59%	0.59%	Reduced -1.6k	-1,625 -1.7%
43	ABBOTT LABS COM ABT	ABT	96,045	$8.7m0.58%	0.58%	Reduced -2.3k	-2,329 -2.4%
44	SCHWAB STRATEGIC TR US DIVIDEND EQ SCHD	SCHD	272,608	$8.6m0.57%	0.57%	Reduced -1.4k	-1,450 -0.5%
45	VANGUARD WORLD FD EXTENDED DUR EDV	EDV	126,670	$8.2m0.55%	0.55%	Reduced -64.9k	-64,925 -33.9%
46	BANK MONTREAL QUE COM BMO	BMO	46,083	$8.1m0.54%	0.54%	Added +14	+14 0.0%
47	ISHARES TR MSCI EAFE ETF EFA	EFA	77,799	$8.1m0.54%	0.54%	Added +260	+260 0.3%
48	DANAHER CORPORATION COM DHR	DHR	40,311	$7.7m0.51%	0.51%	Added +295	+295 0.7%
49	AUTOMATIC DATA PROCESSING IN COM ADP	ADP	34,173	$7.7m0.51%	0.51%	Reduced -3.0k	-2,963 -8.0%
50	S&P GLOBAL INC COM SPGI	SPGI	17,754	$7.2m0.48%	0.48%	Reduced -357	-357 -2.0%
51	COCA COLA CO COM KO	KO	87,549	$7.1m0.47%	0.47%	Reduced -1.1k	-1,135 -1.3%
52	NEXTERA ENERGY INC COM NEE	NEE	80,095	$7.0m0.47%	0.47%	Reduced -3.9k	-3,885 -4.6%
53	FLEXSHARES TR STOXX GLOBR INF NFRA	NFRA	109,039	$7.0m0.46%	0.46%	Reduced -4.7k	-4,666 -4.1%
54	ORACLE CORP COM ORCL	ORCL	47,383	$6.9m0.46%	0.46%	Reduced -1.1k	-1,104 -2.3%
55	GENERAL DYNAMICS CORP COM GD	GD	19,472	$6.9m0.46%	0.46%	Reduced -107	-107 -0.6%
56	ISHARES TR 1 3 YR TREAS BD SHY	SHY	83,433	$6.9m0.45%	0.45%	Reduced -1.9k	-1,903 -2.2%
57	SELECT SECTOR SPDR TR TECHNOLOGY XLK	XLK	35,719	$6.8m0.45%	0.45%	Added +481	+481 1.4%
58	ISHARES TR MSCI EMG MKT ETF EEM	EEM	96,268	$6.6m0.44%	0.44%	Reduced -640	-640 -0.7%
59	VANGUARD INDEX FDS TOTAL STK MKT VTI	VTI	16,764	$6.2m0.41%	0.41%	Reduced -45.2k	-45,221 -73.0%
60	INTEL CORP COM INTC	INTC	43,878	$6.1m0.41%	0.41%	Reduced -145	-145 -0.3%
61	BROADCOM INC COM AVGO	AVGO	16,004	$6.0m0.40%	0.40%	Added +37	+37 0.2%
62	VISA INC COM CL A V	V	16,678	$5.7m0.38%	0.38%	Added +534	+534 3.3%
63	QUALCOMM INC COM QCOM	QCOM	30,579	$5.7m0.37%	0.37%	Reduced -1.2k	-1,198 -3.8%
64	EATON CORP PLC SHS ETN	ETN	12,810	$5.5m0.36%	0.36%	Added +141	+141 1.1%
65	UNITEDHEALTH GROUP INC COM UNH	UNH	12,952	$5.4m0.36%	0.36%	Reduced -257	-257 -1.9%
66	ISHARES TR NEW YORK MUN ETF NYF	NYF	97,930	$5.3m0.35%	0.35%	Added +2.7k	+2,720 2.9%
67	PHILIP MORRIS INTL INC COM PM	PM	28,974	$5.2m0.35%	0.35%	Reduced -220	-220 -0.8%
68	META PLATFORMS INC CL A META	META	9,271	$5.2m0.35%	0.35%	Reduced -161	-161 -1.7%
69	VANGUARD STAR FDS VG TL INTL STK F VXUS	VXUS	60,985	$5.2m0.35%	0.35%	Reduced -910	-910 -1.5%
70	DISNEY WALT CO COM DIS	DIS	52,962	$5.1m0.34%	0.34%	Reduced -696	-696 -1.3%
71	AMERICAN EXPRESS CO COM AXP	AXP	14,792	$5.0m0.33%	0.33%	Reduced -291	-291 -1.9%
72	HOME DEPOT INC COM HD	HD	13,833	$4.9m0.32%	0.32%	Reduced -1.0k	-1,015 -6.8%
73	ISHARES TR CORE S&P MCP ETF IJH	IJH	62,246	$4.8m0.32%	0.32%	Reduced -485	-485 -0.8%
74	ISHARES TR CORE US AGGBD ET AGG	AGG	48,324	$4.8m0.32%	0.32%	Reduced -56.9k	-56,919 -54.1%
75	AMPHENOL CORP CL A APH	APH	26,612	$4.7m0.31%	0.31%	Reduced -410	-410 -1.5%
76	INGERSOLL RAND INC COM IR	IR	56,689	$4.6m0.31%	0.31%	Unchanged
77	GE AEROSPACE COM NEW GE	GE	12,275	$4.6m0.30%	0.30%	Added +289	+289 2.4%
78	ISHARES TR ISHARES BIOTECH IBB	IBB	22,811	$4.3m0.29%	0.29%	Reduced -777	-777 -3.3%
79	NOVARTIS AG SPONSORED ADR NVS	NVS	27,417	$4.3m0.28%	0.28%	Reduced -406	-406 -1.5%
80	ISHARES TR CORE S&P500 ETF IVV	IVV	5,727	$4.3m0.28%	0.28%	Reduced -3.6k	-3,582 -38.5%
81	THERMO FISHER SCIENTIFIC INC COM TMO	TMO	8,521	$4.3m0.28%	0.28%	Reduced -88	-88 -1.0%
82	LINDE PLC SHS LIN	LIN	8,230	$4.3m0.28%	0.28%	Reduced -299	-299 -3.5%
83	LOCKHEED MARTIN CORP COM LMT	LMT	8,265	$4.2m0.28%	0.28%	Reduced -255	-255 -3.0%
84	VANGUARD SCOTTSDALE FDS LG-TERM COR BD VCLT	VCLT	54,940	$4.1m0.27%	0.27%	Unchanged
85	CVS HEALTH CORP COM CVS	CVS	39,187	$4.1m0.27%	0.27%	Reduced -493	-493 -1.2%
86	ISHARES TR EAFE SML CP ETF SCZ	SCZ	48,846	$4.0m0.27%	0.27%	Reduced -1.3k	-1,321 -2.6%
87	ISHARES TR IBOXX HI YD ETF HYG	HYG	50,073	$4.0m0.27%	0.27%	Reduced -17.2k	-17,157 -25.5%
88	SPDR INDEX SHS FDS PORTFOLIO DEVLPD SPDW	SPDW	78,907	$4.0m0.26%	0.26%	Reduced -158	-158 -0.2%
89	SELECT SECTOR SPDR TR SBI MATERIALS XLB	XLB	77,860	$4.0m0.26%	0.26%	Reduced -275	-275 -0.3%
90	VANECK ETF TRUST GOLD MINERS ETF GDX	GDX	52,089	$3.9m0.26%	0.26%	Added +96	+96 0.2%
91	CARRIER GLOBAL CORPORATION COM CARR	CARR	52,380	$3.8m0.25%	0.25%	Reduced -569	-569 -1.1%
92	PRICE T ROWE GROUP INC COM TROW	TROW	33,512	$3.8m0.25%	0.25%	Reduced -801	-801 -2.3%
93	BERKSHIRE HATHAWAY INC DEL CL A BRK.A	BRK.A	5	$3.7m0.25%	0.25%	Unchanged
94	ANALOG DEVICES INC COM ADI	ADI	9,382	$3.7m0.25%	0.25%	Reduced -20	-20 -0.2%
95	ISHARES INC CORE MSCI EMKT IEMG	IEMG	44,890	$3.7m0.25%	0.25%	Reduced -577	-577 -1.3%
96	PFIZER INC COM PFE	PFE	152,177	$3.7m0.24%	0.24%	Reduced -13.1k	-13,054 -7.9%
97	J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF JMUB	JMUB	70,395	$3.6m0.24%	0.24%	Added +39.6k	+39,635 128.8%
98	BANK AMERICA CORP COM BAC	BAC	61,046	$3.5m0.23%	0.23%	Reduced -1.5k	-1,453 -2.3%
99	VANGUARD INDEX FDS VALUE ETF VTV	VTV	15,855	$3.5m0.23%	0.23%	Reduced -81.8k	-81,750 -83.8%
100	SELECT SECTOR SPDR TR SBI INT-UTILS XLU	XLU	74,630	$3.4m0.22%	0.22%	Reduced -437	-437 -0.6%

Sold out since Q1 2026

Security	Ticker	Shares held before	Value then
HONEYWELL INTL INC		13,926	$6.3m13.9k shares
ETFS GOLD TR		53,018	$2.4m53.0k shares
DUPONT DE NEMOURS INC DWDP	DWDP	6,796	$933.8k6.8k shares
ROPER TECHNOLOGIES INC ROP	ROP	1,386	$490.4k1.4k shares
FIRST TR EXCHANGE-TRADED FD FIW	FIW	3,788	$390.7k3.8k shares
VANGUARD SCOTTSDALE FDS VTHR	VTHR	1,168	$335.9k1.2k shares
LAM RESEARCH CORP		1,300	$277.8k1.3k shares
SEI INVTS CO SEIC	SEIC	3,081	$241.8k3.1k shares
BUILDERS FIRSTSOURCE INC BLDR	BLDR	2,000	$164.7k2.0k shares
VANGUARD WORLD FD MGK	MGK	2,205	$162.0k2.2k shares
ISHARES TR AOA	AOA	1,255	$111.1k1.3k shares
CLEARWAY ENERGY INC CWEN	CWEN	2,333	$91.7k2.3k shares
PPL Corporation		2,336	$89.2k2.3k shares
ISHARES TR DGRO	DGRO	1,189	$83.4k1.2k shares
CITIZENS FINL SVCS INC CZFS	CZFS	1,210	$74.0k1.2k shares
FIRST TR EXCHANGE-TRADED FD GRID	GRID	413	$67.6k413 shares
SUN LIFE FINANCIAL INC. SLF	SLF	1,074	$67.2k1.1k shares
ISHARES TR SLQD	SLQD	1,145	$57.8k1.1k shares
VANGUARD WORLD FD VPU	VPU	204	$40.5k204 shares
ISHARES U S ETF TR LQDH	LQDH	410	$37.8k410 shares
AMERICAN CENTY ETF TR AVLV	AVLV	433	$34.9k433 shares
RBB FD INC TMFC	TMFC	500	$33.0k500 shares
MUELLER INDS INC MLI	MLI	286	$31.7k286 shares
FIRST TR SML CP CORE ALPHA F FYX	FYX	257	$30.7k257 shares
KROGER CO KR	KR	271	$19.6k271 shares