NBT Bank, N.A.
In its 13F for Q3 2024 (holdings as of September 30, 2024, filed November 14, 2024), NBT Bank, N.A. reported 840 stock positions worth $1.5 billion. Its top holding was Microsoft (MSFT) at 6.3% of the portfolio, followed by Apple (AAPL, 4.9%) and NT Mstar GLBL NR ETF (GUNR, 3.2%). Compared with Q2 2024, it opened 268 new positions, sold out of 22, added to 143 and reduced 265. The biggest buy was iShares 20+ Year Treasury BD (TLT, shares +14841%) and the biggest sale Microsoft (MSFT, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- NORWICH, NY
- CIK
- 0000898413
- Portfolio Value
- $1.5B (Q3 2024)
- SEC Filing
- 0001140361-24-046807 ↗ filed Nov 14, 2024
Holdings Value
Holdings 840 stocks · $1.5B
| MSFT Microsoft Corp. | 6.27% | 216,278 | $93.1M | Reduce -1.9% |
| AAPL Apple Inc. | 4.95% | 315,059 | $73.4M | Reduce -2.4% |
| GUNR NT Mstar GLBL NR ETF | 3.18% | 1,142,953 | $47.1M | Reduce -0.7% |
| GOOGL Alphabet Inc. Class A | 2.04% | 182,340 | $30.2M | Reduce -2.4% |
| JPM JPMorgan Chase & Co. | 2.03% | 143,028 | $30.2M | Reduce -2.3% |
| EFG iShares MSCI Eafe Growth ETF | 1.90% | 262,175 | $28.2M | Add +5.0% |
| LOW Lowe's Cos Inc. | 1.84% | 100,885 | $27.3M | Reduce -2.3% |
| GOOG Alphabet Inc. Class C | 1.81% | 160,802 | $26.9M | Reduce -2.3% |
| PG The Procter & Gamble Co. | 1.62% | 138,635 | $24.0M | Reduce -1.4% |
| TT Trane Technologies PLC | 1.60% | 60,949 | $23.7M | Reduce -1.2% |
| XOM Exxon Mobil Corp. | 1.43% | 181,149 | $21.2M | Reduce -3.3% |
| MCD McDonald's Corp. | 1.42% | 69,248 | $21.1M | Reduce -2.9% |
| JNJ Johnson & Johnson | 1.33% | 121,697 | $19.7M | Reduce -3.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.27% | 40,838 | $18.8M | Add +2.8% |
| CAT Caterpillar Inc. | 1.18% | 44,721 | $17.5M | Reduce -2.0% |
| AMZN Amazon.com Inc. | 1.14% | 90,819 | $16.9M | Reduce -0.5% |
| IUSG iShares Core S&P U.S. Growth | 1.06% | 119,828 | $15.8M | Add +9.9% |
| COST Costco Wholesale Corp. | 1.05% | 17,521 | $15.5M | Reduce -6.2% |
| DE Deere & Co. | 0.99% | 35,362 | $14.8M | Reduce -2.4% |
| PEP Pepsico Inc. | 0.99% | 86,415 | $14.7M | Reduce -3.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.98% | 51,418 | $14.6M | Add +6.9% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.98% | 83,321 | $14.5M | Add +14.3% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.92% | 260,561 | $13.7M | Reduce -5.7% |
| CVX Chevron Corp. | 0.91% | 91,285 | $13.4M | Reduce -4.2% |
| ABT Abbott Laboratories | 0.89% | 115,423 | $13.2M | Reduce -3.2% |
| DHR Danaher Corp. | 0.88% | 47,097 | $13.1M | Reduce -3.7% |
| SDY SS SPDR S&P Dividend ETF | 0.87% | 90,937 | $12.9M | Reduce -0.0% |
| ADP Automatic Data Processing | 0.85% | 45,547 | $12.6M | Reduce -4.8% |
| NBTB N B T Bancorp Inc. | 0.83% | 277,071 | $12.3M | Reduce -3.4% |
| UNH Unitedhealth Group Inc. | 0.80% | 20,362 | $11.9M | Reduce -3.2% |
| MRK Merck & Co. Inc. | 0.78% | 101,464 | $11.5M | Reduce -2.3% |
| ABBV Abbvie Inc. | 0.76% | 56,766 | $11.2M | Reduce -2.3% |
| RTX RTX Corp. | 0.72% | 88,797 | $10.8M | Reduce -3.9% |
| WMT Walmart Inc. | 0.72% | 132,694 | $10.7M | Reduce -3.5% |
| SPGI S&P Global Inc. | 0.69% | 19,806 | $10.2M | Reduce -0.0% |
| MDY State Street SPDR S&P Midcap | 0.68% | 17,800 | $10.1M | Reduce -2.1% |
| CSCO Cisco Systems Inc. | 0.66% | 184,043 | $9.8M | Reduce -5.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.64% | 43,146 | $9.5M | Reduce -4.5% |
| IEFA iShares Core MSCI Eafe ETF | 0.64% | 121,300 | $9.5M | Reduce -1.6% |
| UNP Union Pacific Corp. | 0.62% | 37,603 | $9.3M | Reduce -1.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.62% | 16,008 | $9.2M | Reduce -0.7% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.62% | 115,220 | $9.2M | Reduce -0.5% |
| ORCL Oracle Corp. | 0.61% | 53,543 | $9.1M | Reduce -2.1% |
| LLY Eli Lilly & Co. | 0.61% | 10,284 | $9.1M | Reduce -4.9% |
| NVDA Nvidia Corp. | 0.61% | 74,048 | $9.0M | Add +0.4% |
| GWW WW Grainger Inc. filed as GRAINGER W W INC | 0.57% | 8,197 | $8.5M | Reduce -1.0% |
| SCHD Schwab US DVD Equity ETF | 0.55% | 97,312 | $8.2M | Reduce -3.5% |
| NEE Nextera Energy Inc. | 0.54% | 94,978 | $8.0M | Reduce -2.5% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.54% | 68,216 | $8.0M | Reduce -0.3% |
| IWM iShares Russell 2000 ETF | 0.52% | 35,250 | $7.8M | Reduce -0.3% |
| STIP iShares 0-5 Year Tips Bond E | 0.51% | 75,358 | $7.6M | Reduce -1.0% |
| AGG iShares Core U.S. Aggregate | 0.48% | 71,042 | $7.2M | Add +21.8% |
| TMO Thermo Fisher Scientific Inc. | 0.48% | 11,555 | $7.1M | Reduce -3.6% |
| SHY iShares 1-3 Year Treasury Bo | 0.48% | 85,129 | $7.1M | Add +27.1% |
| NFRA NT GLBL BRD Infra ETF | 0.47% | 116,512 | $6.9M | Reduce -2.5% |
| HD Home Depot Inc. | 0.46% | 16,708 | $6.8M | Reduce -0.4% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.46% | 70,322 | $6.8M | Reduce -6.4% |
| KO The Coca-Cola Co. | 0.45% | 93,384 | $6.7M | Reduce -3.3% |
| MRSH Marsh & McLennan Cos | 0.44% | 29,432 | $6.6M | Reduce -5.2% |
| EFA iShares MSCI Eafe ETF | 0.43% | 76,484 | $6.4M | Reduce -1.4% |
| PFE Pfizer Inc. | 0.43% | 219,944 | $6.4M | Reduce -4.5% |
| HON Honeywell International Inc. | 0.42% | 30,411 | $6.3M | Reduce -2.6% |
| QCOM Qualcomm Inc. | 0.40% | 34,931 | $5.9M | Reduce -1.2% |
| LMT Lockheed Martin Corp. | 0.39% | 9,933 | $5.8M | Reduce -3.6% |
| IR Ingersoll-Rand Inc. | 0.39% | 58,434 | $5.7M | Reduce -0.1% |
| MDLZ Mondelez International Inc. Class A | 0.38% | 76,575 | $5.6M | Reduce -4.0% |
| IJT iShares S&P Small-Cap 600 GR | 0.37% | 39,319 | $5.5M | Add +13.0% |
| ANGL Vaneck Fallen Angel High YLD | 0.36% | 180,661 | $5.3M | Add +29.0% |
| NYF iShares New York Muni Bond E | 0.36% | 97,327 | $5.3M | Reduce -1.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.36% | 26,269 | $5.3M | Add +16.5% |
| AXP American Express Co. | 0.35% | 19,384 | $5.3M | Reduce -5.4% |
| GD General Dynamics Corp. | 0.35% | 17,344 | $5.2M | Add +0.3% |
| IXUS iShares Core Intl Stock ETF | 0.35% | 71,143 | $5.2M | Add +14.6% |
| AOR iShares Core 60/40 Balanced | 0.34% | 86,309 | $5.1M | Add +7.7% |
| CARR Carrier Global Corp. | 0.33% | 60,567 | $4.9M | Reduce -4.9% |
| TLT iShares 20+ Year Treasury BD | 0.32% | 49,008 | $4.8M | Add +14841.5% |
| IVV iShares Core S&P 500 ETF | 0.32% | 8,330 | $4.8M | Add +1.3% |
| V Visa Inc. Class A | 0.32% | 17,307 | $4.8M | Reduce -2.7% |
| META Meta Platforms Inc. Class A | 0.31% | 8,089 | $4.6M | Reduce -0.2% |
| SCHF Schwab Intl Equity ETF | 0.31% | 110,414 | $4.5M | Reduce -1.1% |
| TGT Target Corp. | 0.30% | 28,787 | $4.5M | Reduce -0.5% |
| VZ Verizon Communications Inc. | 0.30% | 98,829 | $4.4M | Reduce -7.0% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.30% | 54,982 | $4.4M | Reduce -0.7% |
| LIN Linde PLC | 0.30% | 9,242 | $4.4M | Reduce -1.6% |
| IBB iShares Biotechnology ETF | 0.29% | 29,260 | $4.3M | Reduce -0.7% |
| TROW T Rowe Price Group Inc. filed as PRICE T ROWE GROUP INC | 0.28% | 38,700 | $4.2M | Reduce -0.6% |
| BMY Bristol-Myers Squibb Co. | 0.28% | 81,139 | $4.2M | Reduce -8.0% |
| BMO Bank of Montreal filed as BANK MONTREAL QUE | 0.28% | 45,836 | $4.1M | Add +0.9% |
| ETN Eaton Corp. PLC | 0.28% | 12,449 | $4.1M | Add +3.8% |
| IJH iShares Core S&P Midcap ETF | 0.28% | 65,842 | $4.1M | Reduce -4.3% |
| XLK SS Technology Select Sector | 0.28% | 18,142 | $4.1M | Reduce -0.7% |
| PM Philip Morris International | 0.27% | 32,764 | $4.0M | Reduce -1.0% |
| XLB SS Materials Select Sector | 0.27% | 41,066 | $4.0M | Reduce -0.6% |
| CRM Salesforce Inc. | 0.26% | 14,329 | $3.9M | Reduce -1.7% |
| EEM iShares MSCI Emerging Market | 0.26% | 85,403 | $3.9M | Reduce -7.8% |
| IEMG iShares Core MSCI Emerging | 0.25% | 65,756 | $3.8M | Add +7.5% |
| NVS Novartis AG-Sponsored ADR | 0.25% | 32,305 | $3.7M | Reduce -2.5% |
| GS Goldman Sachs Group Inc. | 0.25% | 7,453 | $3.7M | Add +2.1% |
| NKE Nike Inc. Class B | 0.25% | 41,234 | $3.6M | Reduce -13.5% |
| DON Wisdomtree US Midcap Dividen | 0.24% | 68,574 | $3.5M | Reduce -9.1% |
Other holdings (5): bonds, preferreds, convertibles and warrants · $24K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| SCE TRUST II (EIX 5.1 PERP) | PFD | 275 | $6K | No change |
| OXY.WS Occidental Petroleum-CW27 | *W EXP 08/03/202 | 193 | $6K | New |
| LXP INDUSTRIAL TRUST (LXP 6.5 PERP C) | PFD CONV SER C | 100 | $5K | No change |
| AXIS CAPITAL HLDGS LTD (AXS 5.5 PERP E) | Pref | 200 | $5K | No change |
| EQUITY COMMONWEALTH (EQC 6.5 PERP D) | 6.5% CNV PFD D | 100 | $3K | No change |
Total filed on the 13F, all lines: $1.5B.
Portfolio Sells Q2 2024 → Q3 2024
| MSFT Microsoft Corp. | Reduce -1.9% | 6.27% | −0.77 |
| GOOGL Alphabet Inc. Class A | Reduce -2.4% | 2.04% | −0.39 |
| GOOG Alphabet Inc. Class C | Reduce -2.3% | 1.81% | −0.35 |
| TIP iShares Tips Bond ETF | Reduce -93.0% | 0.02% | −0.31 |
| CVX Chevron Corp. | Reduce -4.2% | 0.91% | −0.16 |
| MRK Merck & Co. Inc. | Reduce -2.3% | 0.78% | −0.14 |
| GUNR NT Mstar GLBL NR ETF | Reduce -0.7% | 3.18% | −0.12 |
| AMZN Amazon.com Inc. | Reduce -0.5% | 1.14% | −0.12 |
| XOM Exxon Mobil Corp. | Reduce -3.3% | 1.43% | −0.11 |
| QCOM Qualcomm Inc. | Reduce -1.2% | 0.40% | −0.10 |
| COST Costco Wholesale Corp. | Reduce -6.2% | 1.05% | −0.09 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -5.7% | 0.92% | −0.09 |
| LLY Eli Lilly & Co. | Reduce -4.9% | 0.61% | −0.09 |
| JPM JPMorgan Chase & Co. | Reduce -2.3% | 2.03% | −0.08 |
| TEL Te Connectivity Ltd. | Sold out | 0.00% | −0.08 |
| DIS The Walt Disney Co. | Reduce -6.4% | 0.46% | −0.08 |
| INTC Intel Corp. | Reduce -7.0% | 0.13% | −0.07 |
| PEP Pepsico Inc. | Reduce -3.0% | 0.99% | −0.06 |
| BA The Boeing Co. | Reduce -11.3% | 0.14% | −0.06 |
| HON Honeywell International Inc. | Reduce -2.6% | 0.42% | −0.05 |
| MCHP Microchip Technology Inc. | Reduce -3.7% | 0.21% | −0.05 |
| PFG Principal Financial Group | Sold out | 0.00% | −0.04 |
| PG The Procter & Gamble Co. | Reduce -1.4% | 1.62% | −0.04 |
| TROW T Rowe Price Group Inc. | Reduce -0.6% | 0.28% | −0.04 |
| PFE Pfizer Inc. | Reduce -4.5% | 0.43% | −0.03 |
| ALV Autoliv Inc. | Reduce -1.8% | 0.13% | −0.03 |
| BAC Bank of America Corp. | Reduce -7.5% | 0.19% | −0.03 |
| STIP iShares 0-5 Year Tips Bond E | Reduce -1.0% | 0.51% | −0.03 |
| WFC Wells Fargo & Co. | Reduce -3.4% | 0.17% | −0.03 |
| SLB SLB Ltd. | Reduce -2.8% | 0.11% | −0.03 |
| MRSH Marsh & McLennan Cos | Reduce -5.2% | 0.44% | −0.03 |
| APH Amphenol Corp. Class A | Reduce -8.2% | 0.13% | −0.03 |
| JKHY Jack Henry & Associates Inc. | Sold out | 0.00% | −0.02 |
| GDX Vaneck Gold Miners ETF | Reduce -20.7% | 0.17% | −0.02 |
| BSV Vanguard Short-Term Bond ETF | Reduce -33.7% | 0.04% | −0.02 |
| VCSH Vanguard S/T Corp. Bond ETF | Reduce -0.5% | 0.62% | −0.02 |
| WM Waste Management Inc. | Reduce -36.0% | 0.03% | −0.02 |
| NYF iShares New York Muni Bond E | Reduce -1.3% | 0.36% | −0.02 |
| C Citigroup Inc. | Reduce -39.0% | 0.03% | −0.02 |
| XLK SS Technology Select Sector | Reduce -0.7% | 0.28% | −0.02 |
| EBAY eBay Inc. | Sold out | 0.00% | −0.02 |
| DOW Dow Inc. | Reduce -10.3% | 0.12% | −0.02 |
| FTV Fortive Corp. | Reduce -15.8% | 0.10% | −0.02 |
| EEM iShares MSCI Emerging Market | Reduce -7.8% | 0.26% | −0.02 |
| COP Conocophillips | Reduce -0.8% | 0.10% | −0.02 |
| DON Wisdomtree US Midcap Dividen | Reduce -9.1% | 0.24% | −0.02 |
| CMG Chipotle Mexican Grill Inc. | Reduce -9.9% | 0.05% | −0.02 |
| VZ Verizon Communications Inc. | Reduce -7.0% | 0.30% | −0.01 |
| MO Altria Group Inc. | Reduce -12.7% | 0.16% | −0.01 |
| AMAT Applied Materials Inc. | Reduce -0.9% | 0.05% | −0.01 |
Portfolio Buys Q2 2024 → Q3 2024
| TLT iShares 20+ Year Treasury BD | Add +14841.5% | 0.32% | +0.32 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +14.3% | 0.98% | +0.14 |
| BRK.B Berkshire Hathaway Inc. Class B | Add +2.8% | 1.27% | +0.11 |
| SHY iShares 1-3 Year Treasury Bo | Add +27.1% | 0.48% | +0.09 |
| AGG iShares Core U.S. Aggregate | Add +21.8% | 0.48% | +0.08 |
| EFG iShares MSCI Eafe Growth ETF | Add +5.0% | 1.90% | +0.08 |
| ANGL Vaneck Fallen Angel High YLD | Add +29.0% | 0.36% | +0.07 |
| IUSG iShares Core S&P U.S. Growth | Add +9.9% | 1.06% | +0.07 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +16.5% | 0.36% | +0.06 |
| SUB iShares Short-Term National | New | 0.06% | +0.06 |
| IJT iShares S&P Small-Cap 600 GR | Add +13.0% | 0.37% | +0.05 |
| IXUS iShares Core Intl Stock ETF | Add +14.6% | 0.35% | +0.05 |
| MUB iShares National Muni Bond E | New | 0.04% | +0.04 |
| FBND Fidelity Total Bond ETF | New | 0.03% | +0.03 |
| JMUB JPMorgan Municipal ETF | Add +31.5% | 0.16% | +0.03 |
| EMXC iShares MSCI Emr MRK Ex Chna | Add +47.0% | 0.10% | +0.03 |
| AOR iShares Core 60/40 Balanced | Add +7.7% | 0.34% | +0.02 |
| IEMG iShares Core MSCI Emerging | Add +7.5% | 0.25% | +0.02 |
| IJR iShares Core S&P Small-Cap E | Add +14.7% | 0.13% | +0.02 |
| NOW ServiceNow Inc. | Add +47.9% | 0.05% | +0.02 |
| BAM Brookfield Asset Mgmt-A | Add +7.0% | 0.09% | +0.02 |
| ACN Accenture PLC Class A | Add +15.0% | 0.08% | +0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +91.9% | 0.03% | +0.02 |
| EXC Exelon Corp. | New | 0.01% | +0.01 |
| FWONK Liberty Media Corp. Class C | New | 0.01% | +0.01 |
| BUD Anheuser-Busch Inbev-SPN ADR | New | 0.01% | +0.01 |
| EEMV iShares MSCI Emg MKT Min Vol | Add +11.3% | 0.11% | +0.01 |
| MELI MercadoLibre Inc. | Add +485.0% | 0.02% | +0.01 |
| PYPL PayPal Holdings Inc. | Add +2.4% | 0.06% | +0.01 |
| AON Aon PLC Class A | Add +6.2% | 0.09% | +0.01 |
| CPNG Coupang Inc. | New | 0.01% | +0.01 |
| USMV iShares MSCI USA Min Vol Fac | Add +142.2% | 0.02% | +0.01 |
| STT State Street Corp. | Add +4041.8% | 0.01% | +0.01 |
| WMB Williams Cos Inc. | New | 0.01% | +0.01 |
| VGSH Vanguard Short-Term Treasury | Add +6000.0% | 0.01% | +0.01 |
| MA Mastercard Inc. Class A | Add +0.3% | 0.23% | +0.01 |
| GS Goldman Sachs Group Inc. | Add +2.1% | 0.25% | +0.01 |
| KBE SS SPDR S&P Bank ETF | New | 0.01% | +0.01 |
| SHM SS SPDR N Ice St Muni ETF | New | 0.01% | +0.01 |
| FLRN SS SPDR BB Ig Float RT ETF | New | 0.01% | +0.01 |
| HYS PIMCO 0-5 Year H/Y Corp. Bond | New | 0.01% | +0.01 |
| ES Eversource Energy | New | 0.01% | +0.01 |
| VOT Vngrd Mrngstr MC GRW ETF-Usd | Add +10.8% | 0.12% | +0.01 |
| WBS Webster Financial Corp. | Add +7115.4% | 0.01% | +0.01 |
| REGN Regeneron Pharmaceuticals | New | 0.01% | +0.01 |
| ROK Rockwell Automation Inc. | Add +3444.4% | 0.01% | +0.01 |
| BALL Ball Corp. | New | 0.01% | +0.01 |
| BX Blackstone Inc. | Add +0.9% | 0.07% | +0.01 |
| ISRG Intuitive Surgical Inc. | Add +15.7% | 0.06% | +0.01 |
| VGLT Vanguard Long-Term Treasury | New | 0.01% | +0.01 |
Notes & Other Activity Q2 2024 → Q3 2024
| LINCOLN NATIONAL CORP (LNC 3 PERP A) | COM | Sold out | 960 | $30Kbefore exit |
| OXY.WS Occidental Petroleum-CW27 | *W EXP 08/03/202 | New | 193 | $6K |
| SYNOVUS FINANCIAL CORP (SNV 8.86629 PERP D) | COM | Sold out | 36 | $1Kbefore exit |
Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 1,068 | $1.5B | MSFT, AAPL, GOOGL, GOOG, GUNR |
| Q1 2026 | 1,071 | $1.5B | MSFT, AAPL, GUNR, GOOGL, GOOG |
| Q4 2025 | 819 | $1.5B | MSFT, AAPL, GOOGL, GOOG, GUNR |
| Q3 2025 | 811 | $1.5B | MSFT, AAPL, GUNR, JPM, GOOGL |
| Q2 2025 | 817 | $1.5B | MSFT, AAPL, JPM, GUNR, EFG |
| Q1 2025 | 827 | $1.4B | MSFT, AAPL, GUNR, JPM, EFG |
| Q4 2024 | 795 | $1.4B | MSFT, AAPL, GUNR, JPM, GOOGL |
| Q3 2024 | 840 | $1.5B | MSFT, AAPL, GUNR, GOOGL, JPM |
| Q2 2024 | 594 | $1.4B | MSFT, AAPL, GUNR, GOOGL, GOOG |
| Q1 2024 | 599 | $1.4B | MSFT, AAPL, GUNR, GOOGL, JPM |