# NBT BANK, N.A.

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 898413. Source: https://holderbook.com/funds/898413-nbt-bank-n-a/

- Reported value: $1.5B
- Positions: 1,069
- Weight of the ten largest: 30.9%
- Filed: 2026-07-29

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $75.2M | 201,559 | 5.0% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $74.2M | 256,533 | 4.9% | 31 |
| ALPHABET INC | [GOOGL](https://holderbook.com/stocks/GOOGL/) | $50.6M | 141,664 | 3.4% | 31 |
| ALPHABET INC | [GOOG](https://holderbook.com/stocks/GOOG/) | $48.9M | 138,526 | 3.2% | 31 |
| FLEXSHARES TR | [GUNR](https://holderbook.com/stocks/GUNR/) | $46.4M | 941,050 | 3.1% | 31 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $40.9M | 38,438 | 2.7% | 27 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $40.2M | 122,789 | 2.7% | 31 |
| ISHARES TR | [EFG](https://holderbook.com/stocks/EFG/) | $36.3M | 291,924 | 2.4% | 28 |
| TRANE TECHNOLOGIES PLC | [TT](https://holderbook.com/stocks/TT/) | $27.5M | 56,001 | 1.8% | 12 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $26.5M | 104,249 | 1.8% | 31 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $22.9M | 96,228 | 1.5% | 31 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $21.5M | 156,968 | 1.4% | 31 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $19.9M | 90,157 | 1.3% | 31 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $19.1M | 30,162 | 1.3% | 31 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $17.9M | 152,054 | 1.2% | 31 |
| VANGUARD INDEX FDS | [VOO](https://holderbook.com/stocks/VOO/) | $17.6M | 25,641 | 1.2% | 31 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $17.0M | 115,847 | 1.1% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $16.6M | 33,178 | 1.1% | 31 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $16.5M | 60,954 | 1.1% | 31 |
| RTX CORPORATION | [RTX](https://holderbook.com/stocks/RTX/) | $15.5M | 81,864 | 1.0% | 24 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $14.2M | 50,376 | 0.9% | 31 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $13.8M | 121,703 | 0.9% | 31 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $13.7M | 68,648 | 0.9% | 27 |
| ISHARES TR | [STIP](https://holderbook.com/stocks/STIP/) | $13.7M | 134,315 | 0.9% | 20 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $13.2M | 79,862 | 0.9% | 31 |
| NBT BANCORP INC | [NBTB](https://holderbook.com/stocks/NBTB/) | $12.9M | 261,448 | 0.9% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $12.9M | 13,778 | 0.9% | 31 |
| ISHARES TR | [IGSB](https://holderbook.com/stocks/IGSB/) | $12.7M | 241,578 | 0.8% | 31 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $12.6M | 49,973 | 0.8% | 31 |
| SPDR SERIES TRUST | [SDY](https://holderbook.com/stocks/SDY/) | $12.3M | 81,122 | 0.8% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $12.1M | 10,125 | 0.8% | 31 |
| PALO ALTO NETWORKS INC | [PANW](https://holderbook.com/stocks/PANW/) | $12.0M | 35,204 | 0.8% | 20 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $11.3M | 87,583 | 0.7% | 31 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $10.4M | 14,809 | 0.7% | 31 |
| TJX COS INC NEW | [TJX](https://holderbook.com/stocks/TJX/) | $10.2M | 67,376 | 0.7% | 31 |
| GOLDMAN SACHS GROUP INC | [GS](https://holderbook.com/stocks/GS/) | $9.9M | 9,827 | 0.7% | 31 |
| UNION PAC CORP | [UNP](https://holderbook.com/stocks/UNP/) | $9.8M | 36,098 | 0.7% | 31 |
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $9.8M | 13,145 | 0.7% | 31 |
| ISHARES TR | [IWM](https://holderbook.com/stocks/IWM/) | $9.8M | 32,671 | 0.7% | 31 |
| WW GRAINGER INC | [GWW](https://holderbook.com/stocks/GWW/) | $9.7M | 7,095 | 0.6% | 31 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $9.3M | 68,777 | 0.6% | 31 |
| ISHARES TR | [IEFA](https://holderbook.com/stocks/IEFA/) | $8.9M | 92,452 | 0.6% | 26 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $8.7M | 96,045 | 0.6% | 31 |
| SCHWAB STRATEGIC TR | [SCHD](https://holderbook.com/stocks/SCHD/) | $8.6M | 272,608 | 0.6% | 30 |
| VANGUARD WORLD FD | [EDV](https://holderbook.com/stocks/EDV/) | $8.2M | 126,670 | 0.5% | 2 |
| BANK MONTREAL MEDIUM | [BMO](https://holderbook.com/stocks/BMO/) | $8.1M | 46,083 | 0.5% | 12 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $8.1M | 77,799 | 0.5% | 31 |
| DANAHER CORP DEL | [DHR](https://holderbook.com/stocks/DHR/) | $7.7M | 40,311 | 0.5% | 31 |
| AUTOMATIC DATA PROCESSING IN | [ADP](https://holderbook.com/stocks/ADP/) | $7.7M | 34,173 | 0.5% | 31 |
| S&P GLOBAL INC | [SPGI](https://holderbook.com/stocks/SPGI/) | $7.2M | 17,754 | 0.5% | 27 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $7.1M | 87,549 | 0.5% | 31 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $7.0M | 80,095 | 0.5% | 31 |
| FLEXSHARES TR | [NFRA](https://holderbook.com/stocks/NFRA/) | $7.0M | 109,039 | 0.5% | 29 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $6.9M | 47,383 | 0.5% | 31 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $6.9M | 19,472 | 0.5% | 31 |
| ISHARES TR | [SHY](https://holderbook.com/stocks/SHY/) | $6.9M | 83,433 | 0.5% | 16 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $6.8M | 35,719 | 0.5% | 31 |
| ISHARES TR | [EEM](https://holderbook.com/stocks/EEM/) | $6.6M | 96,268 | 0.4% | 31 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $6.2M | 16,764 | 0.4% | 11 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $6.1M | 43,878 | 0.4% | 31 |
| BROADCOM INC | [AVGO](https://holderbook.com/stocks/AVGO/) | $6.0M | 16,004 | 0.4% | 14 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $5.7M | 16,678 | 0.4% | 31 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $5.7M | 30,579 | 0.4% | 31 |
| EATON CORP PLC | [ETN](https://holderbook.com/stocks/ETN/) | $5.5M | 12,810 | 0.4% | 31 |
| UNITEDHEALTH GROUP INC | [UNH](https://holderbook.com/stocks/UNH/) | $5.4M | 12,952 | 0.4% | 31 |
| ISHARES TR | [NYF](https://holderbook.com/stocks/NYF/) | $5.3M | 97,930 | 0.3% | 28 |
| PHILIP MORRIS INTL INC | [PM](https://holderbook.com/stocks/PM/) | $5.2M | 28,974 | 0.3% | 31 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $5.2M | 9,271 | 0.3% | 31 |
| VANGUARD STAR FDS | [VXUS](https://holderbook.com/stocks/VXUS/) | $5.2M | 60,985 | 0.3% | 20 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $5.1M | 52,962 | 0.3% | 31 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $5.0M | 14,792 | 0.3% | 31 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $4.9M | 13,833 | 0.3% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $4.8M | 62,246 | 0.3% | 31 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $4.8M | 48,324 | 0.3% | 27 |
| AMPHENOL CORP | [APH](https://holderbook.com/stocks/APH/) | $4.7M | 26,612 | 0.3% | 12 |
| INGERSOLL RAND INC | [IR](https://holderbook.com/stocks/IR/) | $4.6M | 56,689 | 0.3% | 12 |
| GE AEROSPACE | [GE](https://holderbook.com/stocks/GE/) | $4.6M | 12,275 | 0.3% | 17 |
| ISHARES TR | [IBB](https://holderbook.com/stocks/IBB/) | $4.3M | 22,811 | 0.3% | 31 |
| NOVARTIS AG | [NVS](https://holderbook.com/stocks/NVS/) | $4.3M | 27,417 | 0.3% | 31 |
| ISHARES TR | [IVV](https://holderbook.com/stocks/IVV/) | $4.3M | 5,727 | 0.3% | 23 |
| THERMO FISHER SCIENTIFIC INC | [TMO](https://holderbook.com/stocks/TMO/) | $4.3M | 8,521 | 0.3% | 27 |
| LINDE PLC | [LIN](https://holderbook.com/stocks/LIN/) | $4.3M | 8,230 | 0.3% | 14 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $4.2M | 8,265 | 0.3% | 31 |
| VANGUARD SCOTTSDALE FDS | [VCLT](https://holderbook.com/stocks/VCLT/) | $4.1M | 54,940 | 0.3% | 2 |
| CVS HEALTH CORP | [CVS](https://holderbook.com/stocks/CVS/) | $4.1M | 39,187 | 0.3% | 31 |
| ISHARES TR | [SCZ](https://holderbook.com/stocks/SCZ/) | $4.0M | 48,846 | 0.3% | 31 |
| ISHARES TR | [HYG](https://holderbook.com/stocks/HYG/) | $4.0M | 50,073 | 0.3% | 31 |
| SPDR INDEX SHS FDS | [SPDW](https://holderbook.com/stocks/SPDW/) | $4.0M | 78,907 | 0.3% | 29 |
| SELECT SECTOR SPDR TR | [XLB](https://holderbook.com/stocks/XLB/) | $4.0M | 77,860 | 0.3% | 31 |
| VANECK ETF TRUST | [GDX](https://holderbook.com/stocks/GDX/) | $3.9M | 52,089 | 0.3% | 12 |
| CARRIER GLOBAL CORPORATION | [CARR](https://holderbook.com/stocks/CARR/) | $3.8M | 52,380 | 0.3% | 25 |
| PRICE T ROWE GROUP INC | [TROW](https://holderbook.com/stocks/TROW/) | $3.8M | 33,512 | 0.3% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKA](https://holderbook.com/stocks/BRKA/) | $3.7M | 5 | 0.2% | 12 |
| ANALOG DEVICES INC | [ADI](https://holderbook.com/stocks/ADI/) | $3.7M | 9,382 | 0.2% | 11 |
| ISHARES INC | [IEMG](https://holderbook.com/stocks/IEMG/) | $3.7M | 44,890 | 0.2% | 31 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $3.7M | 152,177 | 0.2% | 31 |
| J P MORGAN EXCHANGE TRADED F | [JMUB](https://holderbook.com/stocks/JMUB/) | $3.6M | 70,395 | 0.2% | 18 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $3.5M | 61,046 | 0.2% | 31 |
| VANGUARD INDEX FDS | [VTV](https://holderbook.com/stocks/VTV/) | $3.5M | 15,855 | 0.2% | 11 |
| SELECT SECTOR SPDR TR | [XLU](https://holderbook.com/stocks/XLU/) | $3.4M | 74,630 | 0.2% | 31 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +8.8% | +14.8% | -6.1% | 100% |
| Q1 2026 | -1.3% | -4.6% | +3.4% | 96% |
| Q4 2025 | +2.1% | +2.4% | -0.2% | 97% |
| Q3 2025 | +6.5% | +7.8% | -1.3% | 100% |
| Q2 2025 | +6.2% | +10.5% | -4.3% | 100% |
| Q1 2025 | -1.4% | -4.6% | +3.2% | 100% |
| Q4 2024 | -1.9% | +2.1% | -4.1% | 100% |
| Q3 2024 | +6.5% | +5.4% | +1.0% | 100% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $1.5B | 1,069 |
| Q1 2026 | $1.5B | 1,058 |
| Q4 2025 | $1.5B | 821 |
| Q3 2025 | $1.5B | 813 |
| Q2 2025 | $1.5B | 802 |
| Q1 2025 | $1.4B | 813 |
| Q4 2024 | $1.4B | 783 |
| Q3 2024 | $1.5B | 833 |
| Q2 2024 | $1.4B | 593 |
| Q1 2024 | $1.4B | 598 |
| Q4 2023 | $1.3B | 599 |
| Q3 2023 | $1.0B | 310 |