NBT BANK, N.A. — 13F Holdings & Portfolio

CIK 898413 · latest 13F-HR filed 2026-07-29

NBT BANK, N.A. manages $1.51B in 13F-reported U.S. long-equity assets across 1,561 reported positions as of its 2026-06-30 13F-HR filing. Its largest disclosed positions are GUNR (2.85%), AAPL (2.77%), MSFT (2.68%). Quarter over quarter (versus its 2026-03-31 filing) the fund opened 145 new positions and exited 149; 421 existing positions rose in reported value and 291 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

AUM

$1.51B

Long-equity book

Holdings

1,561

Distinct positions

Period

2026-06-30

Filed 2026-07-29

Q/Q Activity

+145 / −149 / ↑421 / ↓291

vs 2026-03-31

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q2 26

MSFT5.0% · -0%AAPL4.9% · -5%GOOGL3.4% · -3%GOOG3.2% · -4%GUNR3.1% · +2%CAT2.7% · -4%JPM2.7% · -2%EFG2.4% · +0%TT1.8% · -1%JNJ1.8% · -4%AMZN1.5% · -2%XOM1.4% · -6%LOW1.3% · +36%DE1.3% · -0%CSCO1.2% · -1%VOO1.2% · +66%PG1.1% · -4%BRK.B1.1% · -10%MCD1.1% · -1%RTX1.0% · -3%IBM0.9% · -7%WMT0.9% · -4%NVDA0.9% · -4%STIP0.9% · +3%CVX0.9% · -3%NBTB0.9% · +0%COST0.9% · -3%IGSB0.8% · -1%ABBV0.8% · -2%SDY0.8% · -1%LLY0.8% · +17%PANW0.8% · +9%MRK0.7% · -3%MDY0.7% · -3%TJX0.7% · +0%GS0.7% · -1%UNP0.7% · -0%SPY0.7% · -2%IWM0.7% · -4%GWW0.6% · -2%PEP0.6% · -3%IEFA0.6% · -2%ABT0.6% · -2%SCHD0.6% · -0%EDV0.5% · -34%BMO0.5% · 0%EFA0.5% · +0%DHR0.5% · +1%ADP0.5% · -8%SPGI0.5% · -2%KO0.5% · -1%NEE0.5% · -5%NFRA0.5% · -4%ORCL0.5% · -2%GD0.5% · -0%SHY0.5% · -2%XLK0.5% · +1%EEM0.4% · -1%VTI0.4% · -73%INTC0.4% · -0%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q1 26 → Q2 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

3 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 30.9%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

Name	Title / Status	Ownership	Type

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

Top Adds (vs prior quarter)

CATERPILLAR INC$12.5M +44.2%
Alphabet Inc Cl A$8.5M +20.3%
VANGUARD S&P 500 ETF$8.4M +90.3%
Alphabet Inc Cl C$7.4M +17.9%
Palo Alto Networks$6.8M +132.6%

Show all 421 →

Top Trims

ISHARES CORE S&P U.S. GROWTH ETF-$16.2M -83.9%
Vanguard Value ETF-$15.7M -82.0%
Vanguard Total Stock-$13.7M -68.8%
VANGUARD SHORT TERM COR BD ETF-$7.3M -81.6%
EXXON MOBIL CORP-$7.0M -24.7%

Show all 291 →

New Positions

AMERICAN FUNDS GROWTH FUND OF AMER F2$2.0M
SCHWAB GOVERNMENT MONEY INV$2.0M
AMERICAN FUNDS AMERICAN BALANCED F2$1.6M
PERMANENT PORTFOLIO PERMANENT I$1.4M
PIMCO INCOME I-3$1.4M

Show all 145 →

Exited Positions

Honeywell Intl Inc$6.3M
Aberdeen Std Physical Swiss Gold$2.4M
EI DuPont de Nemours & Co.$933.8K
Roper Technologies Inc$490.4K
First Trust ISE Water Index Fd$390.7K

Show all 149 →

Loading…

#	Issuer	Symbol	CUSIP	Value	Δ

NBT BANK, N.A. Holdings (2026-06-30)

#	Issuer	Symbol	CUSIP	Value	Weight	Shares	Type
1	FlexShares Mstar Glbl Upstrm N	GUNR	33939L407	$43.0M	2.85%	872,638	SH
2	Apple Inc	AAPL	037833100	$41.9M	2.77%	144,641	SH
3	Microsoft Corp	MSFT	594918104	$40.5M	2.68%	108,649	SH
4	Microsoft Corp	MSFT	594918104	$34.4M	2.28%	92,243	SH
5	Apple Inc	AAPL	037833100	$32.1M	2.12%	110,800	SH
6	Ishares MSCI EAFE Growth ETF	EFG	464288885	$31.1M	2.06%	250,135	SH
7	Alphabet Inc Cl A	GOOGL	02079K305	$27.9M	1.85%	78,088	SH
8	Alphabet Inc Cl C	GOOG	02079K107	$27.6M	1.83%	77,982	SH
9	Trane Technologies Plc ADR	TT	G8994E103	$27.1M	1.79%	55,139	SH
10	Alphabet Inc Cl A	GOOGL	02079K305	$22.5M	1.49%	62,902	SH
11	JP Morgan Chase & CO	JPM	46625H100	$21.8M	1.44%	66,452	SH
12	Alphabet Inc Cl C	GOOG	02079K107	$21.3M	1.41%	60,369	SH
13	JP Morgan Chase & CO	JPM	46625H100	$17.9M	1.18%	54,621	SH
14	Johnson & Johnson	JNJ	478160104	$17.6M	1.17%	69,421	SH
15	Vanguard S&P 500 ETF	VOO	922908363	$17.0M	1.12%	24,712	SH
16	Caterpillar Inc	CAT	149123101	$14.4M	0.95%	13,511	SH
17	Lowes Cos Inc	LOW	548661107	$14.0M	0.93%	63,416	SH
18	Caterpillar Inc	CAT	149123101	$13.3M	0.88%	12,492	SH
19	CATERPILLAR INC	CAT	149123101	$13.2M	0.88%	12,435	SH
20	Deere & CO	DE	244199105	$12.6M	0.83%	19,869	SH
21	Amazon.Com Inc	AMZN	023135106	$12.0M	0.79%	50,169	SH
22	Cisco Systems Inc	CSCO	17275R102	$11.6M	0.77%	98,740	SH
23	Exxonmobil Corp	XOM	30231G102	$11.5M	0.76%	84,262	SH
24	McDonalds Corp	MCD	580135101	$11.5M	0.76%	42,363	SH
25	State Street SPDR S&P Dividend	SDY	78464A763	$11.3M	0.75%	74,052	SH
26	NBT Bancorp Inc	NBTB	628778102	$11.2M	0.74%	227,784	SH
27	Procter & Gamble CO	PG	742718109	$11.2M	0.74%	76,490	SH
28	Amazon.Com Inc	AMZN	023135106	$11.0M	0.73%	46,059	SH
29	iShares TR 1-5 Yr Inv Gr Corp	IGSB	464288646	$10.8M	0.71%	205,444	SH
30	IShares 0-5 Yr TIPs ETF	STIP	46429B747	$10.2M	0.67%	99,500	SH
31	Nvidia Corp	NVDA	67066G104	$10.1M	0.67%	50,593	SH
32	Exxonmobil Corp	XOM	30231G102	$9.9M	0.66%	72,447	SH
33	RTX Corporation	RTX	75513E101	$9.2M	0.61%	48,317	SH
34	State Street SPDR S&P MIDCAP 4	MDY	78467Y107	$9.0M	0.60%	12,801	SH
35	Johnson & Johnson	JNJ	478160104	$8.8M	0.58%	34,759	SH
36	Berkshire Hathaway Inc-Cl B	BRK.B	084670702	$8.6M	0.57%	17,285	SH
37	Ishares Russell 2000 ETF	IWM	464287655	$8.4M	0.56%	28,097	SH
38	Grainger W W Inc	GWW	384802104	$8.3M	0.55%	6,129	SH
39	Vanguard Extended Duration Tre	EDV	921910709	$8.2M	0.55%	126,670	SH
40	Wal Mart Inc	WMT	931142103	$8.2M	0.54%	72,109	SH
41	Bank Montreal Quebec	BMO	063671101	$8.0M	0.53%	45,418	SH
42	Berkshire Hathaway Inc-Cl B	BRK.B	084670702	$7.9M	0.52%	15,793	SH
43	State Street SPDR S&P 500 ETF	SPY	78462F103	$7.9M	0.52%	10,524	SH
44	Chevron Corporation	CVX	166764100	$7.5M	0.50%	45,349	SH
45	Palo Alto Networks	PANW	697435105	$7.5M	0.49%	21,852	SH
46	Schwab US Dividend Equity ETF	SCHD	808524797	$7.4M	0.49%	234,289	SH
47	Intl. Business Machines Corp	IBM	459200101	$7.4M	0.49%	26,216	SH
48	Ishares Core Msci Eafe ETF	IEFA	46432F842	$7.3M	0.48%	75,522	SH
49	Lilly Eli & CO	LLY	532457108	$7.2M	0.48%	5,986	SH
50	Costco Wholesale Corp	COST	22160K105	$7.0M	0.46%	7,474	SH

Filing History

Period	Filed	AUM	Holdings	Accession
2026-06-30	2026-07-29	$1.51B	1,561	0001140361-26-029985
2026-03-31	2026-04-28	$1.53B	1,673	0001140361-26-017312
2025-12-31	2026-01-23	$1.55B	1,374	0001140361-26-002113

Filer Information

Address

52 SOUTH BROAD STREET
NORWICH, NY 13815

Phone

(607) 337-6259

Filing Manager

NBT BANK, N.A.

NORWICH, NY

Signatory

Leona A. Hoag

Vice President and Registered Principal