NBT Bank, N.A.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 23, 2025), NBT Bank, N.A. reported 817 stock positions worth $1.5 billion. Its top holding was Microsoft (MSFT) at 7.1% of the portfolio, followed by Apple (AAPL, 4.0%) and JPMorgan Chase (JPM, 2.6%). Compared with Q1 2025, it opened 24 new positions, sold out of 34, added to 118 and reduced 274. The biggest buy was Caterpillar (CAT, shares +36%) and the biggest sale Apple (AAPL, shares −2%).
- Most Recent 13F
- Q2 2026
- Location
- NORWICH, NY
- CIK
- 0000898413
- Portfolio Value
- $1.5B (Q2 2025)
- SEC Filing
- 0001140361-25-026909 ↗ filed Jul 23, 2025
Holdings Value
Holdings 817 stocks · $1.5B
| MSFT Microsoft Corp. | 7.12% | 208,442 | $103.7M | Reduce -1.0% |
| AAPL Apple Inc. | 4.03% | 285,813 | $58.6M | Reduce -2.3% |
| JPM JPMorgan Chase & Co. | 2.64% | 132,483 | $38.4M | Reduce -3.2% |
| GUNR NT Mstar GLBL NR ETF | 2.62% | 950,745 | $38.1M | Reduce -5.6% |
| EFG iShares MSCI Eafe Growth ETF | 2.08% | 270,429 | $30.3M | Add +2.1% |
| GOOGL Alphabet Inc. Class A | 1.92% | 158,370 | $27.9M | Reduce -2.1% |
| GOOG Alphabet Inc. Class C | 1.89% | 155,298 | $27.5M | Add +0.0% |
| TT Trane Technologies PLC | 1.82% | 60,731 | $26.6M | Add +0.9% |
| AMZN Amazon.com Inc. | 1.49% | 99,047 | $21.7M | Add +1.4% |
| LOW Lowe's Cos Inc. | 1.46% | 95,806 | $21.3M | Reduce -1.5% |
| PG The Procter & Gamble Co. | 1.44% | 131,346 | $20.9M | Reduce -1.0% |
| IUSG iShares Core S&P U.S. Growth | 1.36% | 132,102 | $19.9M | Add +0.6% |
| MCD McDonald's Corp. | 1.30% | 64,973 | $19.0M | Reduce -2.0% |
| XOM Exxon Mobil Corp. | 1.30% | 175,168 | $18.9M | Add +0.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.22% | 36,517 | $17.7M | Reduce -4.1% |
| VTI VG Morningstar TS MKT ETF-US | 1.21% | 57,888 | $17.6M | Add +0.7% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.20% | 99,151 | $17.5M | Add +1.8% |
| JNJ Johnson & Johnson | 1.18% | 112,761 | $17.2M | Reduce -1.9% |
| CAT Caterpillar Inc. | 1.12% | 42,173 | $16.4M | Add +35.7% |
| DE Deere & Co. | 1.12% | 32,072 | $16.3M | Reduce -2.6% |
| COST Costco Wholesale Corp. | 1.02% | 15,055 | $14.9M | Reduce -2.3% |
| ABT Abbott Laboratories | 0.99% | 105,811 | $14.4M | Reduce -4.2% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.90% | 248,321 | $13.1M | Reduce -2.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.87% | 43,113 | $12.7M | Reduce -0.9% |
| WMT Walmart Inc. | 0.87% | 129,947 | $12.7M | Reduce -1.9% |
| ADP Automatic Data Processing | 0.87% | 40,896 | $12.6M | Reduce -3.6% |
| RTX RTX Corp. | 0.86% | 86,117 | $12.6M | Reduce -0.7% |
| CVX Chevron Corp. | 0.84% | 85,598 | $12.3M | Reduce -1.9% |
| NVDA Nvidia Corp. | 0.81% | 74,253 | $11.7M | Add +4.0% |
| ORCL Oracle Corp. | 0.77% | 51,295 | $11.2M | Reduce -1.1% |
| SDY SS SPDR S&P Dividend ETF | 0.77% | 82,392 | $11.2M | No change |
| NBTB N B T Bancorp Inc. | 0.77% | 268,807 | $11.2M | Reduce -2.6% |
| CSCO Cisco Systems Inc. | 0.76% | 159,858 | $11.1M | Reduce -4.5% |
| STIP iShares 0-5 Year Tips Bond E | 0.73% | 103,466 | $10.6M | Add +1.8% |
| SPGI S&P Global Inc. | 0.70% | 19,448 | $10.3M | Add +0.2% |
| PEP Pepsico Inc. | 0.70% | 77,534 | $10.2M | Reduce -3.3% |
| ABBV Abbvie Inc. | 0.69% | 53,966 | $10.0M | Add +1.4% |
| MDY State Street SPDR S&P Midcap | 0.64% | 16,526 | $9.4M | Reduce -5.3% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.62% | 113,065 | $9.0M | Add +0.7% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.60% | 14,139 | $8.7M | Reduce -9.7% |
| VOO Vanguard S&P 500 ETF | 0.60% | 15,353 | $8.7M | No change |
| UNP Union Pacific Corp. | 0.59% | 37,047 | $8.5M | Reduce -1.5% |
| DHR Danaher Corp. | 0.58% | 43,098 | $8.5M | Reduce -1.9% |
| LLY Eli Lilly & Co. | 0.57% | 10,648 | $8.3M | Add +2.2% |
| GWW WW Grainger Inc. filed as GRAINGER W W INC | 0.57% | 7,964 | $8.3M | Reduce -1.4% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.57% | 67,032 | $8.3M | Reduce -2.6% |
| AGG iShares Core U.S. Aggregate | 0.56% | 82,442 | $8.2M | Add +2.1% |
| MRK Merck & Co. Inc. | 0.52% | 95,772 | $7.6M | Reduce -1.7% |
| SHY iShares 1-3 Year Treasury Bo | 0.52% | 91,339 | $7.6M | Add +3.0% |
| SCHD Schwab US DVD Equity ETF | 0.52% | 285,193 | $7.6M | Add +0.6% |
| NFRA NT GLBL BRD Infra ETF | 0.52% | 121,541 | $7.5M | Reduce -1.9% |
| IWM iShares Russell 2000 ETF | 0.51% | 34,669 | $7.5M | Reduce -2.5% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.50% | 58,727 | $7.3M | Reduce -3.4% |
| IEFA iShares Core MSCI Eafe ETF | 0.50% | 86,420 | $7.2M | Reduce -2.5% |
| GS Goldman Sachs Group Inc. | 0.48% | 9,876 | $7.0M | Add +6.3% |
| EFA iShares MSCI Eafe ETF | 0.47% | 76,550 | $6.8M | Reduce -1.4% |
| HON Honeywell International Inc. | 0.46% | 28,545 | $6.6M | Reduce -1.8% |
| META Meta Platforms Inc. Class A | 0.45% | 8,917 | $6.6M | Add +5.9% |
| KO The Coca-Cola Co. | 0.44% | 91,569 | $6.5M | Reduce -0.3% |
| IXUS iShares Core Intl Stock ETF | 0.44% | 82,489 | $6.4M | Add +1.6% |
| IJT iShares S&P Small-Cap 600 GR | 0.43% | 47,017 | $6.3M | Add +2.1% |
| NEE Nextera Energy Inc. | 0.42% | 88,685 | $6.2M | Reduce -2.0% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.42% | 31,529 | $6.1M | Add +2.3% |
| AOR iShares Core 60/40 Balanced | 0.42% | 98,865 | $6.1M | Add +2.0% |
| PANW Palo Alto Networks Inc. | 0.42% | 29,665 | $6.1M | Add +6.3% |
| V Visa Inc. Class A | 0.41% | 17,015 | $6.0M | Reduce -1.2% |
| NFLX Netflix Inc. | 0.41% | 4,457 | $6.0M | Add +15.9% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.39% | 71,233 | $5.7M | Reduce -5.3% |
| HD Home Depot Inc. | 0.39% | 15,372 | $5.6M | Reduce -1.0% |
| ANGL Vaneck Fallen Angel High YLD | 0.39% | 192,341 | $5.6M | Add +3.5% |
| PM Philip Morris International | 0.38% | 30,693 | $5.6M | Reduce -1.8% |
| TLT iShares 20+ Year Treasury BD | 0.38% | 62,329 | $5.5M | Add +2.8% |
| NYF iShares New York Muni Bond E | 0.38% | 105,220 | $5.5M | Reduce -1.0% |
| AXP American Express Co. | 0.37% | 17,059 | $5.4M | Reduce -1.8% |
| GD General Dynamics Corp. | 0.36% | 18,146 | $5.3M | Add +4.0% |
| MRSH Marsh & McLennan Cos | 0.36% | 23,822 | $5.2M | Reduce -5.9% |
| QCOM Qualcomm Inc. | 0.36% | 32,666 | $5.2M | Reduce -4.2% |
| BMO Bank of Montreal filed as BANK MONTREAL QUE | 0.35% | 46,087 | $5.1M | Add +2190.6% |
| IVV iShares Core S&P 500 ETF | 0.34% | 8,018 | $5.0M | Reduce -1.4% |
| IR Ingersoll-Rand Inc. | 0.33% | 58,384 | $4.9M | No change |
| SCHF Schwab Intl Equity ETF | 0.32% | 212,059 | $4.7M | Reduce -2.7% |
| UNH Unitedhealth Group Inc. | 0.31% | 14,660 | $4.6M | Reduce -15.3% |
| ETN Eaton Corp. PLC | 0.31% | 12,741 | $4.5M | Reduce -3.8% |
| XLK SS Technology Select Sector | 0.30% | 17,438 | $4.4M | Add +1.3% |
| LMT Lockheed Martin Corp. | 0.29% | 9,277 | $4.3M | Reduce -3.5% |
| EEM iShares MSCI Emerging Market | 0.29% | 86,678 | $4.2M | Add +2.3% |
| CARR Carrier Global Corp. | 0.29% | 56,748 | $4.2M | Reduce -5.3% |
| PFE Pfizer Inc. | 0.28% | 167,364 | $4.1M | Reduce -9.7% |
| LIN Linde PLC | 0.28% | 8,589 | $4.0M | Add +0.5% |
| AVGO Broadcom Inc. | 0.27% | 14,452 | $4.0M | Add +17.8% |
| IJH iShares Core S&P Midcap ETF | 0.27% | 63,741 | $4.0M | Reduce -2.7% |
| CRM Salesforce Inc. | 0.27% | 14,397 | $3.9M | Add +0.2% |
| VZ Verizon Communications Inc. | 0.27% | 90,066 | $3.9M | Reduce -0.7% |
| TMO Thermo Fisher Scientific Inc. | 0.27% | 9,546 | $3.9M | Reduce -5.9% |
| UBER Uber Technologies Inc. | 0.26% | 40,981 | $3.8M | Reduce -0.1% |
| SCZ iShares MSCI Eafe Small-Cap | 0.26% | 52,149 | $3.8M | Reduce -1.9% |
| T AT&T Inc. | 0.26% | 130,689 | $3.8M | Add +1.0% |
| MDLZ Mondelez International Inc. Class A | 0.26% | 55,231 | $3.7M | Reduce -6.1% |
| MA Mastercard Inc. Class A | 0.25% | 6,505 | $3.7M | Reduce -0.6% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.25% | 5 | $3.6M | No change |
Other holdings (3): bonds, preferreds, convertibles and warrants · $9K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| SCE TRUST II (EIX 5.1 PERP) | PFD | 275 | $4K | No change |
| OXY.WS Occidental Petroleum-CW27 | *W EXP 08/03/202 | 193 | $4K | No change |
| BLACKROCK CORE BOND TRUST | COM | 2,724 | $299 | New |
Total filed on the 13F, all lines: $1.5B.
Portfolio Sells Q1 2025 → Q2 2025
| AAPL Apple Inc. | Reduce -2.3% | 4.03% | −0.67 |
| UNH Unitedhealth Group Inc. | Reduce -15.3% | 0.31% | −0.34 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -4.1% | 1.22% | −0.25 |
| CVX Chevron Corp. | Reduce -1.9% | 0.84% | −0.21 |
| GUNR NT Mstar GLBL NR ETF | Reduce -5.6% | 2.62% | −0.20 |
| PG The Procter & Gamble Co. | Reduce -1.0% | 1.44% | −0.20 |
| JNJ Johnson & Johnson | Reduce -1.9% | 1.18% | −0.19 |
| MCD McDonald's Corp. | Reduce -2.0% | 1.30% | −0.19 |
| LOW Lowe's Cos Inc. | Reduce -1.5% | 1.46% | −0.18 |
| PEP Pepsico Inc. | Reduce -3.3% | 0.70% | −0.17 |
| BMY Bristol-Myers Squibb Co. | Reduce -21.4% | 0.19% | −0.15 |
| MRK Merck & Co. Inc. | Reduce -1.7% | 0.52% | −0.11 |
| TMO Thermo Fisher Scientific Inc. | Reduce -5.9% | 0.27% | −0.10 |
| NBTB N B T Bancorp Inc. | Reduce -2.6% | 0.77% | −0.09 |
| MRSH Marsh & McLennan Cos | Reduce -5.9% | 0.36% | −0.09 |
| ADP Automatic Data Processing | Reduce -3.6% | 0.87% | −0.07 |
| ABT Abbott Laboratories | Reduce -4.2% | 0.99% | −0.07 |
| DHR Danaher Corp. | Reduce -1.9% | 0.58% | −0.07 |
| PFE Pfizer Inc. | Reduce -9.7% | 0.28% | −0.06 |
| IGSB iShares 1-5Y Inv Grade Corp. | Reduce -2.1% | 0.90% | −0.06 |
| UNP Union Pacific Corp. | Reduce -1.5% | 0.59% | −0.06 |
| GVI iShares Intermediate Governm | Reduce -53.8% | 0.04% | −0.05 |
| CNI Canadian Natl Railway Co. | Reduce -45.1% | 0.06% | −0.04 |
| IBB iShares Biotechnology ETF | Reduce -11.5% | 0.22% | −0.04 |
| NEE Nextera Energy Inc. | Reduce -2.0% | 0.42% | −0.04 |
| INTC Intel Corp. | Reduce -29.0% | 0.08% | −0.04 |
| TJX TJX Companies Inc. | Reduce -2.6% | 0.57% | −0.04 |
| IONS Ionis Pharmaceuticals Inc. | Sold out | 0.00% | −0.04 |
| FISV Fiserv Inc. | Reduce -2.6% | 0.10% | −0.04 |
| GIS General Mills Inc. | Reduce -5.1% | 0.12% | −0.03 |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | Reduce -5.3% | 0.39% | −0.03 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -9.7% | 0.60% | −0.03 |
| MDLZ Mondelez International Inc. Class A | Reduce -6.1% | 0.26% | −0.03 |
| KO The Coca-Cola Co. | Reduce -0.3% | 0.44% | −0.03 |
| SLB SLB Ltd. | Reduce -3.1% | 0.09% | −0.03 |
| ZTS Zoetis Inc. | Reduce -56.2% | 0.02% | −0.03 |
| TGT Target Corp. | Reduce -4.5% | 0.18% | −0.03 |
| APD Air Products & Chemicals Inc. | Reduce -7.3% | 0.16% | −0.03 |
| MDY State Street SPDR S&P Midcap | Reduce -5.3% | 0.64% | −0.03 |
| COST Costco Wholesale Corp. | Reduce -2.3% | 1.02% | −0.03 |
| VZ Verizon Communications Inc. | Reduce -0.7% | 0.27% | −0.03 |
| NYF iShares New York Muni Bond E | Reduce -1.0% | 0.38% | −0.03 |
| FTV Fortive Corp. | Reduce -9.6% | 0.04% | −0.03 |
| PRU Prudential Financial Inc. | Reduce -4.8% | 0.18% | −0.03 |
| BDX Becton Dickinson and Co. | Reduce -12.4% | 0.04% | −0.02 |
| HD Home Depot Inc. | Reduce -1.0% | 0.39% | −0.02 |
| DOW Dow Inc. | Reduce -4.3% | 0.05% | −0.02 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -43.0% | 0.03% | −0.02 |
| DON Wisdomtree US Midcap Dividen | Reduce -5.3% | 0.23% | −0.02 |
| UPS United Parcel Service Class B | Reduce -3.6% | 0.11% | −0.02 |
Portfolio Buys Q1 2025 → Q2 2025
| CAT Caterpillar Inc. | Add +35.7% | 1.12% | +0.38 |
| TT Trane Technologies PLC | Add +0.9% | 1.82% | +0.36 |
| BMO Bank of Montreal | Add +2190.6% | 0.35% | +0.34 |
| NVDA Nvidia Corp. | Add +4.0% | 0.81% | +0.25 |
| EFG iShares MSCI Eafe Growth ETF | Add +2.1% | 2.08% | +0.17 |
| IUSG iShares Core S&P U.S. Growth | Add +0.6% | 1.36% | +0.16 |
| NFLX Netflix Inc. | Add +15.9% | 0.41% | +0.15 |
| AMZN Amazon.com Inc. | Add +1.4% | 1.49% | +0.15 |
| GOOG Alphabet Inc. Class C | Add +0.0% | 1.89% | +0.14 |
| AVGO Broadcom Inc. | Add +17.8% | 0.27% | +0.13 |
| GS Goldman Sachs Group Inc. | Add +6.3% | 0.48% | +0.11 |
| META Meta Platforms Inc. Class A | Add +5.9% | 0.45% | +0.10 |
| PANW Palo Alto Networks Inc. | Add +6.3% | 0.42% | +0.07 |
| VTI VG Morningstar TS MKT ETF-US | Add +0.7% | 1.21% | +0.07 |
| GE General Electric | Add +7.4% | 0.23% | +0.06 |
| CPRT Copart Inc. | Add +277.8% | 0.08% | +0.05 |
| MCHP Microchip Technology Inc. | Add +4.3% | 0.16% | +0.05 |
| XLK SS Technology Select Sector | Add +1.3% | 0.30% | +0.05 |
| IXUS iShares Core Intl Stock ETF | Add +1.6% | 0.44% | +0.03 |
| SYK Stryker Corp. | Add +17.5% | 0.16% | +0.03 |
| NOW ServiceNow Inc. | Add +4.5% | 0.11% | +0.02 |
| GLD SPDR Gold Shares | Add +10.8% | 0.22% | +0.02 |
| SCHW Schwab (charles) Corp. | Add +16.7% | 0.09% | +0.02 |
| GD General Dynamics Corp. | Add +4.0% | 0.36% | +0.02 |
| EEM iShares MSCI Emerging Market | Add +2.3% | 0.29% | +0.02 |
| ADI Analog Devices Inc. | Add +0.7% | 0.16% | +0.02 |
| ISRG Intuitive Surgical Inc. | Add +11.8% | 0.13% | +0.02 |
| VEA Vanguard Ftse Developed ETF | Add +26.1% | 0.07% | +0.02 |
| CDNS Cadence Design SYS Inc. | Add +184.6% | 0.02% | +0.02 |
| IJT iShares S&P Small-Cap 600 GR | Add +2.1% | 0.43% | +0.02 |
| AOR iShares Core 60/40 Balanced | Add +2.0% | 0.42% | +0.01 |
| RRC Range Resources Corp. | New | 0.01% | +0.01 |
| BALT Inn Defined Wealth Shield | New | 0.01% | +0.01 |
| TPL Texas Pacific Land Corp. | Add +103.8% | 0.04% | +0.01 |
| PSK SS SPDR Ice Pref Sec ETF | Add +46.0% | 0.05% | +0.01 |
| NKE Nike Inc. Class B | Add +1.3% | 0.15% | +0.01 |
| MGEE Mge Energy Inc. | New | 0.01% | +0.01 |
| RBC RBC Bearings Inc. | Add +0.6% | 0.07% | +0.01 |
| TSLA Tesla Inc. | Add +0.6% | 0.06% | +0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Add +2.3% | 0.42% | +0.01 |
| JEPI JPMorgan Equity Premium Inco | Add +35.1% | 0.03% | +0.01 |
| KJAN Innovator U.S. Small Cap Pow | New | 0.01% | +0.01 |
| ICE Intercontinental Exchange Inc. | Add +3.0% | 0.17% | +0.01 |
| TFC Truist Financial Corp. | Add +15.8% | 0.05% | +0.01 |
| MUB iShares National Muni Bond E | Add +20.8% | 0.05% | +0.01 |
| CMG Chipotle Mexican Grill Inc. | Add +3.2% | 0.06% | +0.00 |
| MLM Martin Marietta Materials | Add +6.1% | 0.03% | +0.00 |
| D Dominion Energy Inc. | Add +10.8% | 0.08% | +0.00 |
| IEF iShares 7-10 Year Treasury B | Add +36.1% | 0.02% | +0.00 |
| IGOV iShares International Treasu | Add +17.4% | 0.02% | +0.00 |
Notes & Other Activity Q1 2025 → Q2 2025
| LXP INDUSTRIAL TRUST (LXP 6.5 PERP C) | PFD CONV SER C | Sold out | 100 | $5Kbefore exit |
| BLACKROCK CORE BOND TRUST | COM | New | 2,724 | $299 |
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 |