NBT Bank, N.A.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 17, 2025), NBT Bank, N.A. reported 827 stock positions worth $1.4 billion. Its top holding was Microsoft (MSFT) at 5.7% of the portfolio, followed by Apple (AAPL, 4.7%) and NT Mstar GLBL NR ETF (GUNR, 2.8%). Compared with Q4 2024, it opened 70 new positions, sold out of 38, added to 118 and reduced 293. The biggest buy was Berkshire Hathaway Class B (BRK.B, shares +4%) and the biggest sale Microsoft (MSFT, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- NORWICH, NY
- CIK
- 0000898413
- Portfolio Value
- $1.4B (Q1 2025)
- SEC Filing
- 0001140361-25-014423 ↗ filed Apr 17, 2025
Holdings Value
Holdings 827 stocks · $1.4B
| MSFT Microsoft Corp. | 5.71% | 210,643 | $79.1M | Reduce -1.5% |
| AAPL Apple Inc. | 4.69% | 292,493 | $65.0M | Add +0.2% |
| GUNR NT Mstar GLBL NR ETF | 2.82% | 1,006,728 | $39.1M | Reduce -13.8% |
| JPM JPMorgan Chase & Co. | 2.42% | 136,810 | $33.6M | Reduce -2.7% |
| EFG iShares MSCI Eafe Growth ETF | 1.91% | 264,964 | $26.5M | Reduce -0.0% |
| GOOGL Alphabet Inc. Class A | 1.81% | 161,739 | $25.0M | Reduce -3.3% |
| GOOG Alphabet Inc. Class C | 1.75% | 155,261 | $24.3M | Reduce -1.3% |
| LOW Lowe's Cos Inc. | 1.64% | 97,262 | $22.7M | Reduce -1.6% |
| PG The Procter & Gamble Co. | 1.63% | 132,707 | $22.6M | Reduce -3.5% |
| XOM Exxon Mobil Corp. | 1.50% | 174,508 | $20.8M | Reduce -2.2% |
| MCD McDonald's Corp. | 1.50% | 66,292 | $20.7M | Reduce -3.3% |
| TT Trane Technologies PLC | 1.47% | 60,201 | $20.3M | Reduce -1.1% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.47% | 38,080 | $20.3M | Add +3.9% |
| JNJ Johnson & Johnson | 1.38% | 114,970 | $19.1M | Reduce -4.0% |
| AMZN Amazon.com Inc. | 1.34% | 97,687 | $18.6M | Reduce -0.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.22% | 97,411 | $16.8M | Add +4.7% |
| IUSG iShares Core S&P U.S. Growth | 1.21% | 131,311 | $16.7M | Add +3.2% |
| VTI VG Morningstar TS MKT ETF-US | 1.14% | 57,462 | $15.8M | Add +4.3% |
| DE Deere & Co. | 1.12% | 32,945 | $15.5M | Reduce -5.0% |
| ABT Abbott Laboratories | 1.06% | 110,401 | $14.6M | Reduce -3.5% |
| CVX Chevron Corp. | 1.05% | 87,211 | $14.6M | Reduce -1.6% |
| COST Costco Wholesale Corp. | 1.05% | 15,412 | $14.6M | Reduce -7.8% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.96% | 253,736 | $13.3M | Reduce -2.4% |
| ADP Automatic Data Processing | 0.94% | 42,416 | $13.0M | Reduce -4.5% |
| PEP Pepsico Inc. | 0.87% | 80,178 | $12.0M | Reduce -4.0% |
| NBTB N B T Bancorp Inc. | 0.86% | 276,053 | $11.8M | Add +1.7% |
| WMT Walmart Inc. | 0.84% | 132,410 | $11.6M | Reduce -1.0% |
| RTX RTX Corp. | 0.83% | 86,702 | $11.5M | Reduce -2.0% |
| SDY SS SPDR S&P Dividend ETF | 0.81% | 82,392 | $11.2M | Reduce -1.0% |
| ABBV Abbvie Inc. | 0.81% | 53,232 | $11.2M | Reduce -2.6% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.78% | 43,511 | $10.8M | Add +1.6% |
| STIP iShares 0-5 Year Tips Bond E | 0.76% | 101,673 | $10.5M | Add +17.8% |
| CSCO Cisco Systems Inc. | 0.75% | 167,331 | $10.3M | Reduce -5.1% |
| CAT Caterpillar Inc. | 0.74% | 31,087 | $10.3M | Reduce -29.0% |
| SPGI S&P Global Inc. | 0.71% | 19,416 | $9.9M | Reduce -1.9% |
| MDY State Street SPDR S&P Midcap | 0.67% | 17,455 | $9.3M | Reduce -1.2% |
| UNH Unitedhealth Group Inc. | 0.65% | 17,305 | $9.1M | Reduce -11.6% |
| DHR Danaher Corp. | 0.65% | 43,935 | $9.0M | Reduce -4.0% |
| UNP Union Pacific Corp. | 0.64% | 37,601 | $8.9M | Add +0.4% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.64% | 112,280 | $8.9M | Reduce -4.5% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.63% | 15,662 | $8.8M | Reduce -1.1% |
| MRK Merck & Co. Inc. | 0.63% | 97,400 | $8.7M | Reduce -3.3% |
| LLY Eli Lilly & Co. | 0.62% | 10,419 | $8.6M | Add +1.9% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.61% | 68,858 | $8.4M | Add +2.6% |
| AGG iShares Core U.S. Aggregate | 0.58% | 80,716 | $8.0M | Add +13.2% |
| GWW WW Grainger Inc. filed as GRAINGER W W INC | 0.58% | 8,080 | $8.0M | Reduce -1.4% |
| SCHD Schwab US DVD Equity ETF | 0.57% | 283,566 | $7.9M | Reduce -1.0% |
| VOO Vanguard S&P 500 ETF | 0.57% | 15,353 | $7.9M | Add +3.1% |
| NVDA Nvidia Corp. | 0.56% | 71,375 | $7.7M | Reduce -1.6% |
| SHY iShares 1-3 Year Treasury Bo | 0.53% | 88,723 | $7.3M | Reduce -3.3% |
| ORCL Oracle Corp. | 0.52% | 51,872 | $7.3M | Reduce -1.7% |
| NFRA NT GLBL BRD Infra ETF | 0.52% | 123,960 | $7.1M | Add +6.4% |
| IWM iShares Russell 2000 ETF | 0.51% | 35,576 | $7.1M | Add +0.5% |
| IEFA iShares Core MSCI Eafe ETF | 0.48% | 88,655 | $6.7M | Reduce -24.1% |
| KO The Coca-Cola Co. | 0.48% | 91,892 | $6.6M | Reduce -0.7% |
| NEE Nextera Energy Inc. | 0.46% | 90,461 | $6.4M | Reduce -1.0% |
| EFA iShares MSCI Eafe ETF | 0.46% | 77,670 | $6.3M | Add +1.8% |
| MRSH Marsh & McLennan Cos | 0.45% | 25,305 | $6.2M | Reduce -11.7% |
| HON Honeywell International Inc. | 0.44% | 29,066 | $6.2M | Add +0.9% |
| V Visa Inc. Class A | 0.44% | 17,217 | $6.0M | Add +1.8% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.43% | 60,783 | $6.0M | Reduce -7.7% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.43% | 75,179 | $5.9M | Add +28.3% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.41% | 30,824 | $5.7M | Add +4.4% |
| IJT iShares S&P Small-Cap 600 GR | 0.41% | 46,057 | $5.7M | Add +4.9% |
| HD Home Depot Inc. | 0.41% | 15,526 | $5.7M | Reduce -3.9% |
| IXUS iShares Core Intl Stock ETF | 0.41% | 81,187 | $5.7M | Add +3.8% |
| NYF iShares New York Muni Bond E | 0.40% | 106,240 | $5.6M | Reduce -1.7% |
| AOR iShares Core 60/40 Balanced | 0.40% | 96,917 | $5.6M | Add +3.1% |
| TLT iShares 20+ Year Treasury BD | 0.40% | 60,658 | $5.5M | Add +7.6% |
| ANGL Vaneck Fallen Angel High YLD | 0.39% | 185,858 | $5.4M | Add +5.1% |
| QCOM Qualcomm Inc. | 0.38% | 34,097 | $5.2M | Reduce -1.4% |
| GS Goldman Sachs Group Inc. | 0.37% | 9,293 | $5.1M | Add +9.9% |
| TMO Thermo Fisher Scientific Inc. | 0.36% | 10,144 | $5.0M | Reduce -8.5% |
| PM Philip Morris International | 0.36% | 31,239 | $5.0M | Reduce -4.1% |
| META Meta Platforms Inc. Class A | 0.35% | 8,419 | $4.9M | Add +3.0% |
| PANW Palo Alto Networks Inc. | 0.34% | 27,902 | $4.8M | Add +34.4% |
| GD General Dynamics Corp. | 0.34% | 17,443 | $4.8M | Add +0.3% |
| BMY Bristol-Myers Squibb Co. | 0.34% | 77,530 | $4.7M | Reduce -4.0% |
| PFE Pfizer Inc. | 0.34% | 185,347 | $4.7M | Reduce -14.8% |
| AXP American Express Co. | 0.34% | 17,369 | $4.7M | Reduce -8.4% |
| IR Ingersoll-Rand Inc. | 0.34% | 58,384 | $4.7M | Reduce -0.1% |
| IVV iShares Core S&P 500 ETF | 0.33% | 8,136 | $4.6M | Add +0.8% |
| SCHF Schwab Intl Equity ETF | 0.31% | 217,845 | $4.3M | Reduce -1.3% |
| LMT Lockheed Martin Corp. | 0.31% | 9,613 | $4.3M | Reduce -2.7% |
| VZ Verizon Communications Inc. | 0.30% | 90,664 | $4.1M | Reduce -1.5% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.29% | 5 | $4.0M | No change |
| MDLZ Mondelez International Inc. Class A | 0.29% | 58,805 | $4.0M | Reduce -16.2% |
| LIN Linde PLC | 0.29% | 8,546 | $4.0M | Reduce -4.4% |
| CRM Salesforce Inc. | 0.28% | 14,362 | $3.9M | Add +2.8% |
| IJH iShares Core S&P Midcap ETF | 0.28% | 65,502 | $3.8M | Reduce -0.9% |
| CARR Carrier Global Corp. | 0.27% | 59,949 | $3.8M | Reduce -1.2% |
| EEM iShares MSCI Emerging Market | 0.27% | 84,764 | $3.7M | Reduce -0.2% |
| T AT&T Inc. | 0.26% | 129,428 | $3.7M | Add +7.5% |
| IBB iShares Biotechnology ETF | 0.26% | 28,291 | $3.6M | Reduce -2.4% |
| ETN Eaton Corp. PLC | 0.26% | 13,237 | $3.6M | Add +12.7% |
| NFLX Netflix Inc. | 0.26% | 3,847 | $3.6M | Add +17.8% |
| MA Mastercard Inc. Class A | 0.26% | 6,542 | $3.6M | Reduce -6.9% |
| XLB SS Materials Select Sector | 0.26% | 41,419 | $3.6M | Add +1.2% |
| XLK SS Technology Select Sector | 0.26% | 17,210 | $3.6M | Reduce -2.5% |
| DON Wisdomtree US Midcap Dividen | 0.25% | 70,775 | $3.5M | Add +0.4% |
Other holdings (3): bonds, preferreds, convertibles and warrants · $15K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| OXY.WS Occidental Petroleum-CW27 | *W EXP 08/03/202 | 193 | $5K | No change |
| SCE TRUST II (EIX 5.1 PERP) | PFD | 275 | $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 Q4 2024 → Q1 2025
| MSFT Microsoft Corp. | Reduce -1.5% | 5.71% | −0.57 |
| GOOGL Alphabet Inc. Class A | Reduce -3.3% | 1.81% | −0.40 |
| CAT Caterpillar Inc. | Reduce -29.0% | 0.74% | −0.36 |
| GOOG Alphabet Inc. Class C | Reduce -1.3% | 1.75% | −0.33 |
| BMO Bank of Montreal | Reduce -95.6% | 0.01% | −0.30 |
| AMZN Amazon.com Inc. | Reduce -0.1% | 1.34% | −0.15 |
| GUNR NT Mstar GLBL NR ETF | Reduce -13.8% | 2.82% | −0.13 |
| NVDA Nvidia Corp. | Reduce -1.6% | 0.56% | −0.12 |
| TT Trane Technologies PLC | Reduce -1.1% | 1.47% | −0.10 |
| ORCL Oracle Corp. | Reduce -1.7% | 0.52% | −0.09 |
| IEFA iShares Core MSCI Eafe ETF | Reduce -24.1% | 0.48% | −0.09 |
| DHR Danaher Corp. | Reduce -4.0% | 0.65% | −0.08 |
| TSLA Tesla Inc. | Reduce -44.4% | 0.05% | −0.08 |
| DIS The Walt Disney Co. | Reduce -7.7% | 0.43% | −0.08 |
| VT Vanguard Tot World STK ETF | Sold out | 0.00% | −0.08 |
| SPSB SS SPDR P St C Corp. ETF | Reduce -82.3% | 0.02% | −0.07 |
| BX Blackstone Inc. | Reduce -74.4% | 0.02% | −0.07 |
| MRK Merck & Co. Inc. | Reduce -3.3% | 0.63% | −0.07 |
| PFE Pfizer Inc. | Reduce -14.8% | 0.34% | −0.06 |
| LOW Lowe's Cos Inc. | Reduce -1.6% | 1.64% | −0.06 |
| NKE Nike Inc. Class B | Reduce -17.8% | 0.14% | −0.06 |
| TGT Target Corp. | Reduce -0.9% | 0.21% | −0.06 |
| AXP American Express Co. | Reduce -8.4% | 0.34% | −0.05 |
| TROW T Rowe Price Group Inc. | Reduce -2.3% | 0.25% | −0.05 |
| SCHA Schwab US Small-Cap ETF | Reduce -16.9% | 0.19% | −0.05 |
| MDT Medtronic PLC | Reduce -42.1% | 0.11% | −0.05 |
| ADBE Adobe Inc. | Reduce -33.5% | 0.08% | −0.05 |
| IEMG iShares Core MSCI Emerging | Reduce -24.3% | 0.20% | −0.05 |
| FVD First Trust Value Line DVD | Reduce -55.4% | 0.04% | −0.05 |
| IEI iShares 3-7 Year Treasury Bo | Reduce -62.0% | 0.03% | −0.04 |
| TMO Thermo Fisher Scientific Inc. | Reduce -8.5% | 0.36% | −0.04 |
| UNH Unitedhealth Group Inc. | Reduce -11.6% | 0.65% | −0.04 |
| MCHP Microchip Technology Inc. | Reduce -12.9% | 0.11% | −0.03 |
| IR Ingersoll-Rand Inc. | Reduce -0.1% | 0.34% | −0.03 |
| GBDC Golub Capital BDC Inc. | Reduce -39.3% | 0.05% | −0.03 |
| WFC Wells Fargo & Co. | Reduce -18.6% | 0.19% | −0.03 |
| XLK SS Technology Select Sector | Reduce -2.5% | 0.26% | −0.03 |
| MDY State Street SPDR S&P Midcap | Reduce -1.2% | 0.67% | −0.03 |
| IQV Iqvia Holdings Inc. | Reduce -44.2% | 0.03% | −0.03 |
| VGT Vanguard Info Tech ETF | Reduce -4.4% | 0.18% | −0.03 |
| HD Home Depot Inc. | Reduce -3.9% | 0.41% | −0.03 |
| JMUB JPMorgan Municipal ETF | Reduce -20.0% | 0.12% | −0.03 |
| GWW WW Grainger Inc. | Reduce -1.4% | 0.58% | −0.03 |
| UPS United Parcel Service Class B | Reduce -6.2% | 0.14% | −0.02 |
| LMT Lockheed Martin Corp. | Reduce -2.7% | 0.31% | −0.02 |
| FTV Fortive Corp. | Reduce -26.6% | 0.07% | −0.02 |
| EMXC iShares MSCI Emr MRK Ex Chna | Reduce -36.2% | 0.04% | −0.02 |
| FSLR First Solar Inc. | Reduce -93.1% | 0.00% | −0.02 |
| DHI D.R. Horton Inc. | Sold out | 0.00% | −0.02 |
| VWO Vanguard Ftse Emerging Marke | Reduce -25.3% | 0.08% | −0.02 |
Portfolio Buys Q4 2024 → Q1 2025
| BRK.B Berkshire Hathaway Inc. Class B | Add +3.9% | 1.47% | +0.31 |
| BLK BlackRock Inc. | New | 0.18% | +0.18 |
| STIP iShares 0-5 Year Tips Bond E | Add +17.8% | 0.76% | +0.16 |
| IBM Intl Business Machines Corp. | Add +1.6% | 0.78% | +0.13 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +4.7% | 1.22% | +0.12 |
| SGOL Etfs Gold Trust | New | 0.12% | +0.12 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Add +28.3% | 0.43% | +0.11 |
| AGG iShares Core U.S. Aggregate | Add +13.2% | 0.58% | +0.10 |
| PTY PIMCO Corporate & Income Opp | New | 0.09% | +0.09 |
| PANW Palo Alto Networks Inc. | Add +34.4% | 0.34% | +0.08 |
| IAGG iShares Intl Aggregate Bond | Add +175.2% | 0.12% | +0.08 |
| BSV Vanguard Short-Term Bond ETF | Add +170.9% | 0.12% | +0.08 |
| NFRA NT GLBL BRD Infra ETF | Add +6.4% | 0.52% | +0.08 |
| VXUS Vanguard Total Intl Stock | Add +66.4% | 0.16% | +0.07 |
| T AT&T Inc. | Add +7.5% | 0.26% | +0.07 |
| LLY Eli Lilly & Co. | Add +1.9% | 0.62% | +0.07 |
| V Visa Inc. Class A | Add +1.8% | 0.44% | +0.06 |
| EFA iShares MSCI Eafe ETF | Add +1.8% | 0.46% | +0.06 |
| NFLX Netflix Inc. | Add +17.8% | 0.26% | +0.06 |
| TLT iShares 20+ Year Treasury BD | Add +7.6% | 0.40% | +0.06 |
| GE General Electric | Add +13.9% | 0.18% | +0.05 |
| IXUS iShares Core Intl Stock ETF | Add +3.8% | 0.41% | +0.05 |
| UNP Union Pacific Corp. | Add +0.4% | 0.64% | +0.05 |
| GLD SPDR Gold Shares | Add +5.3% | 0.19% | +0.04 |
| TJX TJX Companies Inc. | Add +2.6% | 0.61% | +0.04 |
| ICE Intercontinental Exchange Inc. | Add +8.8% | 0.17% | +0.04 |
| SCZ iShares MSCI Eafe Small-Cap | Add +8.5% | 0.24% | +0.04 |
| MO Altria Group Inc. | Add +1.9% | 0.20% | +0.04 |
| ANGL Vaneck Fallen Angel High YLD | Add +5.1% | 0.39% | +0.03 |
| EEMV iShares MSCI Emg MKT Min Vol | Add +19.8% | 0.15% | +0.03 |
| GS Goldman Sachs Group Inc. | Add +9.9% | 0.37% | +0.03 |
| HYDB iShares High Yield Systemati | New | 0.03% | +0.03 |
| VTI VG Morningstar TS MKT ETF-US | Add +4.3% | 1.14% | +0.03 |
| AOR iShares Core 60/40 Balanced | Add +3.1% | 0.40% | +0.03 |
| SYK Stryker Corp. | Add +17.6% | 0.13% | +0.03 |
| AMGN Amgen Inc. | Add +2.7% | 0.13% | +0.03 |
| CPRT Copart Inc. | New | 0.03% | +0.03 |
| ASET Flexshares RL Assts All Indx | Add +86.9% | 0.05% | +0.03 |
| GD General Dynamics Corp. | Add +0.3% | 0.34% | +0.02 |
| FISV Fiserv Inc. | Add +8.3% | 0.13% | +0.02 |
| SCHW Schwab (charles) Corp. | Add +29.6% | 0.07% | +0.02 |
| FNDB Schwab Fndmntl US BRD Mr ETF | New | 0.02% | +0.02 |
| ISRG Intuitive Surgical Inc. | Add +23.0% | 0.11% | +0.02 |
| BLDR Builders Firstsource Inc. | New | 0.02% | +0.02 |
| ED Consolidated Edison Inc. | Add +175.2% | 0.02% | +0.02 |
| XLB SS Materials Select Sector | Add +1.2% | 0.26% | +0.02 |
| META Meta Platforms Inc. Class A | Add +3.0% | 0.35% | +0.02 |
| GLW Corning Inc. | Add +64.8% | 0.04% | +0.02 |
| BALL Ball Corp. | Add +183.2% | 0.03% | +0.02 |
| MMM 3M Co. | Add +0.8% | 0.10% | +0.02 |
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 |