NBT Bank, N.A.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed February 7, 2025), NBT Bank, N.A. reported 795 stock positions worth $1.4 billion. Its top holding was Microsoft (MSFT) at 6.3% of the portfolio, followed by Apple (AAPL, 5.1%) and NT Mstar GLBL NR ETF (GUNR, 3.0%). Compared with Q3 2024, it opened 31 new positions, sold out of 76, added to 117 and reduced 295. The biggest buy was Amazon.com (AMZN, shares +8%) and the biggest sale an exit from BlackRock Finance (BLK).
- Most Recent 13F
- Q2 2026
- Location
- NORWICH, NY
- CIK
- 0000898413
- Portfolio Value
- $1.4B (Q4 2024)
- SEC Filing
- 0001140361-25-003531 ↗ filed Feb 7, 2025
Holdings Value
Holdings 795 stocks · $1.4B
| MSFT Microsoft Corp. | 6.28% | 213,863 | $90.1M | Reduce -1.1% |
| AAPL Apple Inc. | 5.09% | 291,783 | $73.1M | Reduce -7.4% |
| GUNR NT Mstar GLBL NR ETF | 2.96% | 1,167,652 | $42.5M | Add +2.2% |
| JPM JPMorgan Chase & Co. | 2.35% | 140,651 | $33.7M | Reduce -1.7% |
| GOOGL Alphabet Inc. Class A | 2.20% | 167,167 | $31.6M | Reduce -8.3% |
| GOOG Alphabet Inc. Class C | 2.09% | 157,295 | $30.0M | Reduce -2.2% |
| EFG iShares MSCI Eafe Growth ETF | 1.79% | 265,060 | $25.7M | Add +1.1% |
| LOW Lowe's Cos Inc. | 1.70% | 98,829 | $24.4M | Reduce -2.0% |
| PG The Procter & Gamble Co. | 1.60% | 137,476 | $23.0M | Reduce -0.8% |
| TT Trane Technologies PLC | 1.57% | 60,877 | $22.5M | Reduce -0.1% |
| AMZN Amazon.com Inc. | 1.49% | 97,765 | $21.4M | Add +7.7% |
| MCD McDonald's Corp. | 1.38% | 68,516 | $19.9M | Reduce -1.1% |
| XOM Exxon Mobil Corp. | 1.34% | 178,358 | $19.2M | Reduce -1.5% |
| IUSG iShares Core S&P U.S. Growth | 1.23% | 127,196 | $17.7M | Add +6.2% |
| JNJ Johnson & Johnson | 1.21% | 119,771 | $17.3M | Reduce -1.6% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.16% | 36,650 | $16.6M | Reduce -10.3% |
| VTI VG Morningstar TS MKT ETF-US | 1.11% | 55,092 | $16.0M | Add +7.2% |
| CAT Caterpillar Inc. | 1.11% | 43,766 | $15.9M | Reduce -2.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.10% | 93,017 | $15.7M | Add +11.6% |
| COST Costco Wholesale Corp. | 1.07% | 16,709 | $15.3M | Reduce -4.6% |
| DE Deere & Co. | 1.02% | 34,683 | $14.7M | Reduce -1.9% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.94% | 260,030 | $13.4M | Reduce -0.2% |
| ADP Automatic Data Processing | 0.91% | 44,405 | $13.0M | Reduce -2.5% |
| NBTB N B T Bancorp Inc. | 0.90% | 271,458 | $13.0M | Reduce -2.0% |
| ABT Abbott Laboratories | 0.90% | 114,408 | $12.9M | Reduce -0.9% |
| CVX Chevron Corp. | 0.89% | 88,639 | $12.8M | Reduce -2.9% |
| PEP Pepsico Inc. | 0.88% | 83,505 | $12.7M | Reduce -3.4% |
| WMT Walmart Inc. | 0.84% | 133,746 | $12.1M | Add +0.8% |
| SDY SS SPDR S&P Dividend ETF | 0.77% | 83,197 | $11.0M | Reduce -8.5% |
| DHR Danaher Corp. | 0.73% | 45,776 | $10.5M | Reduce -2.8% |
| CSCO Cisco Systems Inc. | 0.73% | 176,301 | $10.4M | Reduce -4.2% |
| RTX RTX Corp. | 0.71% | 88,472 | $10.2M | Reduce -0.4% |
| MDY State Street SPDR S&P Midcap | 0.70% | 17,674 | $10.1M | Reduce -0.7% |
| MRK Merck & Co. Inc. | 0.70% | 100,704 | $10.0M | Reduce -0.8% |
| UNH Unitedhealth Group Inc. | 0.69% | 19,585 | $9.9M | Reduce -3.8% |
| SPGI S&P Global Inc. | 0.69% | 19,801 | $9.9M | Reduce -0.0% |
| NVDA Nvidia Corp. | 0.68% | 72,542 | $9.7M | Reduce -2.0% |
| ABBV Abbvie Inc. | 0.68% | 54,650 | $9.7M | Reduce -3.7% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.66% | 42,821 | $9.4M | Reduce -0.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.65% | 15,829 | $9.3M | Reduce -1.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.64% | 117,598 | $9.2M | Add +2.1% |
| ORCL Oracle Corp. | 0.61% | 52,781 | $8.8M | Reduce -1.4% |
| STIP iShares 0-5 Year Tips Bond E | 0.60% | 86,286 | $8.7M | Add +14.5% |
| GWW WW Grainger Inc. filed as GRAINGER W W INC | 0.60% | 8,196 | $8.6M | Reduce -0.0% |
| UNP Union Pacific Corp. | 0.59% | 37,451 | $8.5M | Reduce -0.4% |
| IEFA iShares Core MSCI Eafe ETF | 0.57% | 116,825 | $8.2M | Reduce -3.7% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.56% | 67,090 | $8.1M | Reduce -1.6% |
| VOO Vanguard S&P 500 ETF | 0.56% | 14,888 | $8.0M | Add +156.1% |
| LLY Eli Lilly & Co. | 0.55% | 10,228 | $7.9M | Reduce -0.5% |
| IWM iShares Russell 2000 ETF | 0.54% | 35,409 | $7.8M | Add +0.5% |
| SCHD Schwab US DVD Equity ETF | 0.54% | 286,366 | $7.8M | Reduce -1.9% |
| SHY iShares 1-3 Year Treasury Bo | 0.52% | 91,705 | $7.5M | Add +7.7% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.51% | 65,831 | $7.3M | Reduce -6.4% |
| AGG iShares Core U.S. Aggregate | 0.48% | 71,286 | $6.9M | Add +0.3% |
| NEE Nextera Energy Inc. | 0.46% | 91,355 | $6.5M | Reduce -3.8% |
| HON Honeywell International Inc. | 0.45% | 28,807 | $6.5M | Reduce -5.3% |
| NFRA NT GLBL BRD Infra ETF | 0.44% | 116,466 | $6.3M | Reduce -0.0% |
| HD Home Depot Inc. | 0.44% | 16,155 | $6.3M | Reduce -3.3% |
| MRSH Marsh & McLennan Cos | 0.42% | 28,648 | $6.1M | Reduce -2.7% |
| IJT iShares S&P Small-Cap 600 GR | 0.41% | 43,888 | $5.9M | Add +11.6% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.41% | 29,536 | $5.9M | Add +12.4% |
| PFE Pfizer Inc. | 0.40% | 217,521 | $5.8M | Reduce -1.1% |
| EFA iShares MSCI Eafe ETF | 0.40% | 76,290 | $5.8M | Reduce -0.3% |
| TMO Thermo Fisher Scientific Inc. | 0.40% | 11,084 | $5.8M | Reduce -4.1% |
| KO The Coca-Cola Co. | 0.40% | 92,568 | $5.8M | Reduce -0.9% |
| NYF iShares New York Muni Bond E | 0.40% | 108,045 | $5.8M | Add +11.0% |
| AXP American Express Co. | 0.39% | 18,972 | $5.6M | Reduce -2.1% |
| AOR iShares Core 60/40 Balanced | 0.38% | 93,992 | $5.4M | Add +8.9% |
| V Visa Inc. Class A | 0.37% | 16,908 | $5.3M | Reduce -2.3% |
| QCOM Qualcomm Inc. | 0.37% | 34,563 | $5.3M | Reduce -1.1% |
| IR Ingersoll-Rand Inc. | 0.37% | 58,434 | $5.3M | No change |
| IXUS iShares Core Intl Stock ETF | 0.36% | 78,256 | $5.2M | Add +10.0% |
| ANGL Vaneck Fallen Angel High YLD | 0.35% | 176,890 | $5.1M | Reduce -2.1% |
| TLT iShares 20+ Year Treasury BD | 0.34% | 56,351 | $4.9M | Add +15.0% |
| GS Goldman Sachs Group Inc. | 0.34% | 8,455 | $4.8M | Add +13.4% |
| LMT Lockheed Martin Corp. | 0.33% | 9,884 | $4.8M | Reduce -0.5% |
| META Meta Platforms Inc. Class A | 0.33% | 8,177 | $4.8M | Add +1.1% |
| IVV iShares Core S&P 500 ETF | 0.33% | 8,072 | $4.8M | Reduce -3.1% |
| CRM Salesforce Inc. | 0.33% | 13,971 | $4.7M | Reduce -2.5% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.32% | 58,591 | $4.6M | Add +6.6% |
| GD General Dynamics Corp. | 0.32% | 17,392 | $4.6M | Add +0.3% |
| BMY Bristol-Myers Squibb Co. | 0.32% | 80,724 | $4.6M | Reduce -0.5% |
| BMO Bank of Montreal filed as BANK MONTREAL QUE | 0.31% | 45,836 | $4.4M | No change |
| TROW T Rowe Price Group Inc. filed as PRICE T ROWE GROUP INC | 0.30% | 38,427 | $4.3M | Reduce -0.7% |
| MDLZ Mondelez International Inc. Class A | 0.29% | 70,168 | $4.2M | Reduce -8.4% |
| CARR Carrier Global Corp. | 0.29% | 60,674 | $4.1M | Add +0.2% |
| IJH iShares Core S&P Midcap ETF | 0.29% | 66,087 | $4.1M | Add +0.4% |
| XLK SS Technology Select Sector | 0.29% | 17,644 | $4.1M | Reduce -2.8% |
| SCHF Schwab Intl Equity ETF | 0.28% | 220,622 | $4.1M | No change |
| PM Philip Morris International | 0.27% | 32,568 | $3.9M | Reduce -0.6% |
| ETN Eaton Corp. PLC | 0.27% | 11,746 | $3.9M | Reduce -5.7% |
| TGT Target Corp. | 0.27% | 28,721 | $3.9M | Reduce -0.2% |
| IBB iShares Biotechnology ETF | 0.27% | 28,980 | $3.8M | Reduce -1.0% |
| PANW Palo Alto Networks Inc. | 0.26% | 20,755 | $3.8M | Add +10.6% |
| LIN Linde PLC | 0.26% | 8,942 | $3.7M | Reduce -3.3% |
| MA Mastercard Inc. Class A | 0.26% | 7,029 | $3.7M | Add +0.4% |
| VZ Verizon Communications Inc. | 0.26% | 92,022 | $3.7M | Reduce -6.9% |
| DON Wisdomtree US Midcap Dividen | 0.25% | 70,499 | $3.6M | Add +2.8% |
| IEMG iShares Core MSCI Emerging | 0.25% | 68,298 | $3.6M | Add +3.9% |
| EEM iShares MSCI Emerging Market | 0.25% | 84,964 | $3.6M | Reduce -0.5% |
Other holdings (3): bonds, preferreds, convertibles and warrants · $16K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| SCE TRUST II (EIX 5.1 PERP) | PFD | 275 | $5K | No change |
| OXY.WS Occidental Petroleum-CW27 | *W EXP 08/03/202 | 193 | $5K | No change |
| LXP INDUSTRIAL TRUST (LXP 6.5 PERP C) | PFD CONV SER C | 100 | $5K | No change |
Total filed on the 13F, all lines: $1.4B.
Portfolio Sells Q3 2024 → Q4 2024
| BLK BlackRock Finance Inc. | Sold out | 0.00% | −0.17 |
| DHR Danaher Corp. | Reduce -2.8% | 0.73% | −0.15 |
| LOW Lowe's Cos Inc. | Reduce -2.0% | 1.70% | −0.14 |
| JNJ Johnson & Johnson | Reduce -1.6% | 1.21% | −0.12 |
| UNH Unitedhealth Group Inc. | Reduce -3.8% | 0.69% | −0.11 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -10.3% | 1.16% | −0.11 |
| PEP Pepsico Inc. | Reduce -3.4% | 0.88% | −0.11 |
| SDY SS SPDR S&P Dividend ETF | Reduce -8.5% | 0.77% | −0.10 |
| XOM Exxon Mobil Corp. | Reduce -1.5% | 1.34% | −0.09 |
| SGOL Etfs Gold Trust | Sold out | 0.00% | −0.09 |
| MDLZ Mondelez International Inc. Class A | Reduce -8.4% | 0.29% | −0.09 |
| NEE Nextera Energy Inc. | Reduce -3.8% | 0.46% | −0.08 |
| TMO Thermo Fisher Scientific Inc. | Reduce -4.1% | 0.40% | −0.08 |
| ABBV Abbvie Inc. | Reduce -3.7% | 0.68% | −0.08 |
| MRK Merck & Co. Inc. | Reduce -0.8% | 0.70% | −0.08 |
| CAT Caterpillar Inc. | Reduce -2.1% | 1.11% | −0.07 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -3.7% | 0.57% | −0.07 |
| LLY Eli Lilly & Co. | Reduce -0.5% | 0.55% | −0.06 |
| MCHP Microchip Technology Inc. | Reduce -4.8% | 0.15% | −0.06 |
| LMT Lockheed Martin Corp. | Reduce -0.5% | 0.33% | −0.06 |
| CVS CVS Health Corp. | Reduce -1.2% | 0.15% | −0.06 |
| KO The Coca-Cola Co. | Reduce -0.9% | 0.40% | −0.05 |
| FVD First Trust Value Line DVD | Reduce -34.0% | 0.09% | −0.05 |
| NKE Nike Inc. Class B | Reduce -7.6% | 0.20% | −0.04 |
| LHX L3HARRIS Technologies Inc. | Reduce -32.2% | 0.07% | −0.04 |
| NVS Novartis AG-Sponsored ADR | Reduce -5.2% | 0.21% | −0.04 |
| VZ Verizon Communications Inc. | Reduce -6.9% | 0.26% | −0.04 |
| MCD McDonald's Corp. | Reduce -1.1% | 1.38% | −0.04 |
| CCI Crown Castle Inc. | Reduce -77.1% | 0.01% | −0.04 |
| LIN Linde PLC | Reduce -3.3% | 0.26% | −0.04 |
| DOW Dow Inc. | Reduce -5.9% | 0.09% | −0.04 |
| VOE Vngrd Mrngstr MD-Cap Val ETF | Reduce -93.9% | 0.00% | −0.04 |
| FBND Fidelity Total Bond ETF | Sold out | 0.00% | −0.03 |
| GLW Corning Inc. | Reduce -58.9% | 0.03% | −0.03 |
| TGT Target Corp. | Reduce -0.2% | 0.27% | −0.03 |
| TT Trane Technologies PLC | Reduce -0.1% | 1.57% | −0.03 |
| QCOM Qualcomm Inc. | Reduce -1.1% | 0.37% | −0.03 |
| UNP Union Pacific Corp. | Reduce -0.4% | 0.59% | −0.03 |
| EFA iShares MSCI Eafe ETF | Reduce -0.3% | 0.40% | −0.03 |
| SHW The Sherwin-Williams Co. | Reduce -6.5% | 0.18% | −0.03 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -25.1% | 0.07% | −0.03 |
| PFE Pfizer Inc. | Reduce -1.1% | 0.40% | −0.03 |
| XLB SS Materials Select Sector | Reduce -0.4% | 0.24% | −0.03 |
| NFRA NT GLBL BRD Infra ETF | Reduce -0.0% | 0.44% | −0.03 |
| ZTS Zoetis Inc. | Reduce -25.2% | 0.05% | −0.03 |
| BLDR Builders Firstsource Inc. | Sold out | 0.00% | −0.03 |
| AMGN Amgen Inc. | Reduce -4.5% | 0.10% | −0.03 |
| INTC Intel Corp. | Reduce -6.7% | 0.11% | −0.02 |
| IQV Iqvia Holdings Inc. | Reduce -16.3% | 0.06% | −0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Reduce -67.1% | 0.01% | −0.02 |
Portfolio Buys Q3 2024 → Q4 2024
| AMZN Amazon.com Inc. | Add +7.7% | 1.49% | +0.35 |
| VOO Vanguard S&P 500 ETF | Add +156.1% | 0.56% | +0.35 |
| IUSG iShares Core S&P U.S. Growth | Add +6.2% | 1.23% | +0.17 |
| VTI VG Morningstar TS MKT ETF-US | Add +7.2% | 1.11% | +0.13 |
| WMT Walmart Inc. | Add +0.8% | 0.84% | +0.12 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +11.6% | 1.10% | +0.12 |
| STIP iShares 0-5 Year Tips Bond E | Add +14.5% | 0.60% | +0.09 |
| GS Goldman Sachs Group Inc. | Add +13.4% | 0.34% | +0.09 |
| VT Vanguard Tot World STK ETF | New | 0.08% | +0.08 |
| NFLX Netflix Inc. | Add +11.7% | 0.20% | +0.06 |
| TEL Te Connectivity PLC | New | 0.05% | +0.05 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +12.4% | 0.41% | +0.05 |
| PANW Palo Alto Networks Inc. | Add +10.6% | 0.26% | +0.05 |
| SHY iShares 1-3 Year Treasury Bo | Add +7.7% | 0.52% | +0.05 |
| IJT iShares S&P Small-Cap 600 GR | Add +11.6% | 0.41% | +0.04 |
| NYF iShares New York Muni Bond E | Add +11.0% | 0.40% | +0.04 |
| NOW ServiceNow Inc. | Add +35.1% | 0.08% | +0.03 |
| ICE Intercontinental Exchange Inc. | Add +37.5% | 0.13% | +0.03 |
| FISV Fiserv Inc. | Add +17.6% | 0.11% | +0.03 |
| AOR iShares Core 60/40 Balanced | Add +8.9% | 0.38% | +0.03 |
| ISRG Intuitive Surgical Inc. | Add +28.0% | 0.09% | +0.03 |
| MA Mastercard Inc. Class A | Add +0.4% | 0.26% | +0.02 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +6.6% | 0.32% | +0.02 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +2.1% | 0.64% | +0.02 |
| META Meta Platforms Inc. Class A | Add +1.1% | 0.33% | +0.02 |
| VTIP Vanguard Short-Term Tips | Add +1366.1% | 0.02% | +0.02 |
| SYK Stryker Corp. | Add +20.1% | 0.11% | +0.02 |
| IWM iShares Russell 2000 ETF | Add +0.5% | 0.54% | +0.02 |
| AEM Agnico Eagle Mines Ltd. | Add +53.4% | 0.06% | +0.02 |
| TLT iShares 20+ Year Treasury BD | Add +15.0% | 0.34% | +0.02 |
| GQRE NT GLBL Qual Re ETF | Add +36.1% | 0.08% | +0.02 |
| IGOV iShares International Treasu | Add +619500.0% | 0.02% | +0.02 |
| IDXX Idexx Laboratories Inc. | Add +4583.3% | 0.02% | +0.02 |
| DON Wisdomtree US Midcap Dividen | Add +2.8% | 0.25% | +0.01 |
| FWONK Liberty Media Corp. Class C | Add +52.4% | 0.03% | +0.01 |
| CMG Chipotle Mexican Grill Inc. | Add +13.4% | 0.07% | +0.01 |
| IXUS iShares Core Intl Stock ETF | Add +10.0% | 0.36% | +0.01 |
| BX Blackstone Inc. | Add +0.1% | 0.09% | +0.01 |
| EEMV iShares MSCI Emg MKT Min Vol | Add +15.8% | 0.12% | +0.01 |
| IJH iShares Core S&P Midcap ETF | Add +0.4% | 0.29% | +0.01 |
| BIL SS SPDR BB 1-3M T-Bill ETF | Add +204.4% | 0.01% | +0.01 |
| DKS Dick's Sporting Goods Inc. | Add +0.2% | 0.07% | +0.01 |
| PYPL PayPal Holdings Inc. | Add +0.3% | 0.07% | +0.01 |
| JEPI JPMorgan Equity Premium Inco | Add +56.0% | 0.02% | +0.01 |
| SCHP Schwab U.S. Tips ETF | Add +82.0% | 0.02% | +0.01 |
| CEG Constellation Energy | Add +139.6% | 0.01% | +0.01 |
| BNY Bank of New York Mellon Corp. | Add +1.5% | 0.06% | +0.01 |
| SCHG Schwab US Large-Cap Growth | Add +0.3% | 0.06% | +0.01 |
| FTSM First Trust Enh Short Mat FD | Add +16.7% | 0.03% | +0.01 |
| MAS Masco Corp. | Add +29.9% | 0.04% | +0.01 |
Notes & Other Activity Q3 2024 → Q4 2024
| AXIS CAPITAL HLDGS LTD (AXS 5.5 PERP E) | Pref | Sold out | 200 | $5Kbefore exit |
| EQUITY COMMONWEALTH (EQC 6.5 PERP D) | 6.5% CNV PFD D | Sold out | 100 | $3Kbefore 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 |