NBT Bank, N.A.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 23, 2026), NBT Bank, N.A. reported 819 stock positions worth $1.5 billion. Its top holding was Microsoft (MSFT) at 6.4% of the portfolio, followed by Apple (AAPL, 4.8%) and Alphabet Class A (GOOGL, 3.1%). Compared with Q3 2025, it opened 47 new positions, sold out of 40, added to 184 and reduced 328. The biggest buy was VG Morningstar TS MKT ETF-US (VTI, shares +122%) and the biggest sale Microsoft (MSFT, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- NORWICH, NY
- CIK
- 0000898413
- Portfolio Value
- $1.5B (Q4 2025)
- SEC Filing
- 0001140361-26-002113 ↗ filed Jan 23, 2026
Holdings Value
Holdings 819 stocks · $1.5B
| MSFT Microsoft Corp. | 6.37% | 203,793 | $98.6M | Reduce -0.8% |
| AAPL Apple Inc. | 4.81% | 264,373 | $74.6M | Reduce -2.3% |
| GOOGL Alphabet Inc. Class A | 3.05% | 149,070 | $47.3M | Reduce -3.4% |
| GOOG Alphabet Inc. Class C | 3.04% | 148,179 | $47.0M | Reduce -0.9% |
| GUNR NT Mstar GLBL NR ETF | 2.71% | 914,168 | $41.9M | Reduce -2.6% |
| JPM JPMorgan Chase & Co. | 2.66% | 126,260 | $41.1M | Reduce -1.7% |
| EFG iShares MSCI Eafe Growth ETF | 2.09% | 281,248 | $32.4M | Add +1.8% |
| CAT Caterpillar Inc. | 1.53% | 30,953 | $23.7M | Reduce -0.5% |
| JNJ Johnson & Johnson | 1.46% | 107,401 | $22.7M | Reduce -1.3% |
| TT Trane Technologies PLC | 1.44% | 57,299 | $22.3M | Reduce -4.4% |
| LOW Lowe's Cos Inc. | 1.44% | 91,905 | $22.2M | Reduce -2.4% |
| AMZN Amazon.com Inc. | 1.43% | 94,879 | $22.1M | Reduce -1.5% |
| IUSG iShares Core S&P U.S. Growth | 1.37% | 168 | $21.2M | Add +1.8% |
| VTI VG Morningstar TS MKT ETF-US | 1.34% | 10,266 | $20.8M | Add +121.7% |
| XOM Exxon Mobil Corp. | 1.30% | 160,415 | $20.2M | Reduce -2.3% |
| MCD McDonald's Corp. | 1.24% | 63,024 | $19.2M | Reduce -1.5% |
| VTV Vanguard Mrngstr Val ETF-Aui | 1.21% | 2,143 | $18.7M | Add +51.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.21% | 35,153 | $18.7M | Reduce -1.8% |
| PG The Procter & Gamble Co. | 1.15% | 120,647 | $17.8M | Reduce -2.4% |
| RTX RTX Corp. | 1.01% | 82,974 | $15.6M | Reduce -1.1% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 1.00% | 46,286 | $15.5M | Reduce -3.1% |
| WMT Walmart Inc. | 0.93% | 115,835 | $14.4M | Reduce -1.8% |
| DE Deere & Co. | 0.92% | 31,128 | $14.3M | Reduce -1.0% |
| NVDA Nvidia Corp. | 0.86% | 70,120 | $13.3M | Reduce -2.6% |
| IGSB iShares 1-5Y Inv Grade Corp. | 0.84% | 246,578 | $13.1M | Reduce -0.5% |
| STIP iShares 0-5 Year Tips Bond E | 0.84% | 126,787 | $13.0M | Add +14.6% |
| ABT Abbott Laboratories | 0.82% | 101,313 | $12.8M | Reduce -2.4% |
| CVX Chevron Corp. | 0.81% | 82,097 | $12.5M | Reduce -1.6% |
| COST Costco Wholesale Corp. | 0.81% | 15,166 | $12.5M | Reduce -4.2% |
| ABBV Abbvie Inc. | 0.77% | 51,749 | $12.0M | Reduce -1.3% |
| CSCO Cisco Systems Inc. | 0.76% | 152,596 | $11.8M | Reduce -1.0% |
| SDY SS SPDR S&P Dividend ETF | 0.74% | 82,327 | $11.5M | No change |
| NBTB N B T Bancorp Inc. | 0.71% | 247,388 | $11.0M | Reduce -0.5% |
| PEP Pepsico Inc. | 0.68% | 72,499 | $10.5M | Reduce -2.3% |
| TJX TJX Companies Inc. filed as TJX COS INC NEW | 0.67% | 67,118 | $10.3M | Reduce -0.9% |
| ADP Automatic Data Processing | 0.64% | 38,932 | $10.0M | Reduce -4.9% |
| VOO Vanguard S&P 500 ETF | 0.63% | 17,018 | $9.7M | Add +0.4% |
| MRK Merck & Co. Inc. | 0.62% | 91,087 | $9.7M | Reduce -3.3% |
| ORCL Oracle Corp. | 0.62% | 48,643 | $9.6M | Reduce -2.3% |
| SPGI S&P Global Inc. | 0.62% | 18,792 | $9.6M | Add +1.8% |
| DHR Danaher Corp. | 0.62% | 41,687 | $9.5M | Reduce -3.3% |
| LLY Eli Lilly & Co. | 0.62% | 10,804 | $9.5M | Add +3.5% |
| MDY State Street SPDR S&P Midcap | 0.61% | 15,730 | $9.5M | Reduce -2.0% |
| GS Goldman Sachs Group Inc. | 0.60% | 11,396 | $9.3M | Add +1.1% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.59% | 13,345 | $9.1M | Reduce -1.1% |
| VCSH Vanguard S/T Corp. Bond ETF | 0.59% | 3,401 | $9.1M | Reduce -0.0% |
| IWM iShares Russell 2000 ETF | 0.55% | 34,122 | $8.5M | Add +0.3% |
| UNP Union Pacific Corp. | 0.55% | 36,634 | $8.5M | Reduce -1.3% |
| AGG iShares Core U.S. Aggregate | 0.55% | 10,321 | $8.5M | Reduce -0.6% |
| IEFA iShares Core MSCI Eafe ETF | 0.50% | 86,195 | $7.7M | Add +0.1% |
| SHY iShares 1-3 Year Treasury Bo | 0.49% | 91,396 | $7.6M | Reduce -1.8% |
| GWW WW Grainger Inc. | 0.49% | 7,464 | $7.5M | Reduce -4.7% |
| SCHD Schwab US DVD Equity ETF | 0.49% | 273,772 | $7.5M | Add +0.2% |
| EFA iShares MSCI Eafe ETF | 0.48% | 77,041 | $7.4M | Reduce -0.0% |
| NFRA NT GLBL BRD Infra ETF | 0.46% | 117,760 | $7.1M | Reduce -2.4% |
| IXUS iShares Core Intl Stock ETF | 0.44% | 1,365 | $6.9M | Add +0.1% |
| NEE Nextera Energy Inc. | 0.44% | 84,450 | $6.8M | Reduce -0.6% |
| AOR iShares Core 60/40 Balanced | 0.43% | 65 | $6.6M | Add +1.6% |
| IJT iShares S&P Small-Cap 600 GR | 0.43% | 3,565 | $6.6M | Add +3.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.43% | 831 | $6.6M | Add +0.4% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.42% | 57,344 | $6.6M | Reduce -0.9% |
| GD General Dynamics Corp. | 0.42% | 19,641 | $6.5M | Add +2.2% |
| KO The Coca-Cola Co. | 0.41% | 89,278 | $6.3M | Reduce -0.1% |
| PANW Palo Alto Networks Inc. | 0.40% | 33,898 | $6.2M | Reduce -0.1% |
| META Meta Platforms Inc. Class A | 0.40% | 9,822 | $6.1M | Add +1.4% |
| V Visa Inc. Class A | 0.39% | 17,226 | $6.0M | Reduce -0.4% |
| BMO Bank of Montreal filed as BANK MONTREAL QUE | 0.39% | 1,300 | $6.0M | Reduce -0.1% |
| IVV iShares Core S&P 500 ETF | 0.38% | 5,828 | $6.0M | Add +17.0% |
| AXP American Express Co. | 0.38% | 15,708 | $5.8M | Reduce -5.9% |
| ANGL Vaneck Fallen Angel High YLD | 0.37% | 7,269 | $5.8M | Reduce -0.0% |
| HYG Ishr Ibx Usd Hiyld CB ETF-Ui | 0.36% | 53,271 | $5.6M | Reduce -2.1% |
| QCOM Qualcomm Inc. | 0.36% | 32,493 | $5.5M | Reduce -0.1% |
| HON Honeywell International Inc. | 0.36% | 28,463 | $5.5M | Reduce -0.4% |
| TMO Thermo Fisher Scientific Inc. | 0.35% | 9,932 | $5.4M | Reduce -5.9% |
| NYF iShares New York Muni Bond E | 0.35% | 100,475 | $5.4M | Add +4.2% |
| HD Home Depot Inc. | 0.33% | 14,992 | $5.2M | Reduce -1.2% |
| AVGO Broadcom Inc. | 0.33% | 14,882 | $5.2M | Reduce -1.7% |
| TLT iShares 20+ Year Treasury BD | 0.33% | 87 | $5.1M | Reduce -2.3% |
| XLK SS Technology Select Sector | 0.32% | 34,234 | $4.9M | Reduce -0.3% |
| SCHF Schwab Intl Equity ETF | 0.32% | 191,057 | $4.9M | Reduce -1.3% |
| PM Philip Morris International | 0.31% | 30,036 | $4.8M | Reduce -0.0% |
| VXUS Vanguard Total Intl Stock | 0.30% | 61,975 | $4.7M | Add +68.8% |
| EEM iShares MSCI Emerging Market | 0.30% | 85,446 | $4.7M | Reduce -0.7% |
| IR Ingersoll-Rand Inc. | 0.29% | 56,684 | $4.5M | Reduce -2.9% |
| UNH Unitedhealth Group Inc. | 0.29% | 13,734 | $4.5M | Reduce -3.1% |
| IJH iShares Core S&P Midcap ETF | 0.27% | 63,516 | $4.2M | Add +0.8% |
| LMT Lockheed Martin Corp. | 0.27% | 9,221 | $4.2M | Reduce -4.7% |
| IBB iShares Biotechnology ETF | 0.27% | 24,637 | $4.2M | Reduce -1.3% |
| GDX Vaneck Gold Miners ETF | 0.27% | 47,950 | $4.1M | Reduce -2.2% |
| PFE Pfizer Inc. | 0.26% | 151,540 | $4.1M | Reduce -0.3% |
| NFLX Netflix Inc. | 0.26% | 42,063 | $4.1M | Reduce -24.4% |
| ETN Eaton Corp. PLC | 0.26% | 12,840 | $4.0M | Reduce -1.4% |
| GLD SPDR Gold Shares | 0.25% | 6,283 | $3.9M | Reduce -2.4% |
| MRSH Marsh & McLennan Cos | 0.25% | 21,214 | $3.9M | Reduce -8.2% |
| CRM Salesforce Inc. | 0.25% | 14,995 | $3.9M | Add +2.9% |
| SCZ iShares MSCI Eafe Small-Cap | 0.25% | 50,241 | $3.9M | Reduce -2.9% |
| NVS Novartis AG-Sponsored ADR | 0.25% | 28,183 | $3.9M | Reduce -1.8% |
| APH Amphenol Corp. Class A | 0.25% | 28,226 | $3.8M | Reduce -1.2% |
| BRK.A Berkshire Hathaway Inc. Class A | 0.24% | 5 | $3.8M | No change |
| LIN Linde PLC | 0.24% | 9,218 | $3.8M | Add +5.3% |
Other holdings (3): bonds, preferreds, convertibles and warrants · $57K (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| WELLS FARGO & COMPANY (WFC 7.5 PERP L) | PERP PFD CNV A | 93 | $48K | Add +10.7% |
| SCE TRUST II (EIX 5.1 PERP) | PFD | 18 | $5K | Add +5.9% |
| OXY.WS Occidental Petroleum-CW27 | *W EXP 08/03/202 | 193 | $4K | No change |
Total filed on the 13F, all lines: $1.5B.
Portfolio Sells Q3 2025 → Q4 2025
| MSFT Microsoft Corp. | Reduce -0.8% | 6.37% | −0.56 |
| ORCL Oracle Corp. | Reduce -2.3% | 0.62% | −0.31 |
| TT Trane Technologies PLC | Reduce -4.4% | 1.44% | −0.21 |
| ADP Automatic Data Processing | Reduce -4.9% | 0.64% | −0.13 |
| PG The Procter & Gamble Co. | Reduce -2.4% | 1.15% | −0.12 |
| LOW Lowe's Cos Inc. | Reduce -2.4% | 1.44% | −0.11 |
| COST Costco Wholesale Corp. | Reduce -4.2% | 0.81% | −0.10 |
| NFLX Netflix Inc. | Reduce -24.4% | 0.26% | −0.09 |
| ABT Abbott Laboratories | Reduce -2.4% | 0.82% | −0.09 |
| CPRT Copart Inc. | Reduce -98.8% | 0.00% | −0.09 |
| HD Home Depot Inc. | Reduce -1.2% | 0.33% | −0.07 |
| DD Dupont DE Nemours Inc. | Reduce -1.6% | 0.06% | −0.06 |
| ETN Eaton Corp. PLC | Reduce -1.4% | 0.26% | −0.05 |
| UBER Uber Technologies Inc. | Reduce -2.7% | 0.21% | −0.05 |
| MRSH Marsh & McLennan Cos | Reduce -8.2% | 0.25% | −0.05 |
| ASET Flexshares RL Assts All Indx | Sold out | 0.00% | −0.05 |
| PANW Palo Alto Networks Inc. | Reduce -0.1% | 0.40% | −0.05 |
| FISV Fiserv Inc. | Reduce -47.1% | 0.02% | −0.04 |
| TLT iShares 20+ Year Treasury BD | Reduce -2.3% | 0.33% | −0.04 |
| T AT&T Inc. | Reduce -7.9% | 0.17% | −0.04 |
| MDLZ Mondelez International Inc. Class A | Reduce -4.5% | 0.17% | −0.04 |
| CVX Chevron Corp. | Reduce -1.6% | 0.81% | −0.04 |
| SHW The Sherwin-Williams Co. | Reduce -23.4% | 0.08% | −0.04 |
| VZ Verizon Communications Inc. | Reduce -6.7% | 0.22% | −0.04 |
| NFRA NT GLBL BRD Infra ETF | Reduce -2.4% | 0.46% | −0.03 |
| HON Honeywell International Inc. | Reduce -0.4% | 0.36% | −0.03 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -1.8% | 1.21% | −0.03 |
| ALLE Allegion PLC | Reduce -3.6% | 0.18% | −0.03 |
| NVDA Nvidia Corp. | Reduce -2.6% | 0.86% | −0.03 |
| MO Altria Group Inc. | Reduce -1.6% | 0.17% | −0.03 |
| ICE Intercontinental Exchange Inc. | Reduce -14.4% | 0.13% | −0.03 |
| CARR Carrier Global Corp. | Reduce -1.0% | 0.19% | −0.03 |
| ABBV Abbvie Inc. | Reduce -1.3% | 0.77% | −0.03 |
| UNH Unitedhealth Group Inc. | Reduce -3.1% | 0.29% | −0.03 |
| TMUS T-Mobile US Inc. | Reduce -47.1% | 0.02% | −0.03 |
| LMT Lockheed Martin Corp. | Reduce -4.7% | 0.27% | −0.02 |
| UNP Union Pacific Corp. | Reduce -1.3% | 0.55% | −0.02 |
| IR Ingersoll-Rand Inc. | Reduce -2.9% | 0.29% | −0.02 |
| SYK Stryker Corp. | Reduce -10.7% | 0.13% | −0.02 |
| NKE Nike Inc. Class B | Reduce -8.0% | 0.12% | −0.02 |
| MCD McDonald's Corp. | Reduce -1.5% | 1.24% | −0.02 |
| APD Air Products & Chemicals Inc. | Reduce -5.3% | 0.12% | −0.02 |
| NBTB N B T Bancorp Inc. | Reduce -0.5% | 0.71% | −0.02 |
| TXN Texas Instruments Inc. | Reduce -20.5% | 0.06% | −0.02 |
| IGOV iShares International Treasu | Reduce -99.4% | 0.00% | −0.02 |
| BLK BlackRock Inc. | Reduce -0.9% | 0.18% | −0.02 |
| NOW ServiceNow Inc. | Reduce -5.1% | 0.07% | −0.02 |
| GE General Electric | Reduce -8.2% | 0.24% | −0.02 |
| TPL Texas Pacific Land Corp. | Reduce -50.0% | 0.01% | −0.02 |
| PAYX Paychex Inc. | Reduce -0.1% | 0.12% | −0.02 |
Portfolio Buys Q3 2025 → Q4 2025
| VTI VG Morningstar TS MKT ETF-US | Add +121.7% | 1.34% | +0.13 |
| LLY Eli Lilly & Co. | Add +3.5% | 0.62% | +0.13 |
| VXUS Vanguard Total Intl Stock | Add +68.8% | 0.30% | +0.13 |
| JPST JPMorgan Ultra-Short Income | Add +3066.9% | 0.13% | +0.12 |
| STIP iShares 0-5 Year Tips Bond E | Add +14.6% | 0.84% | +0.09 |
| GS Goldman Sachs Group Inc. | Add +1.1% | 0.60% | +0.05 |
| IVV iShares Core S&P 500 ETF | Add +17.0% | 0.38% | +0.03 |
| SPGI S&P Global Inc. | Add +1.8% | 0.62% | +0.03 |
| CPNG Coupang Inc. | Add +272.5% | 0.05% | +0.03 |
| CRM Salesforce Inc. | Add +2.9% | 0.25% | +0.03 |
| AMT American Tower Corp. | Add +110.9% | 0.06% | +0.03 |
| VTHR Vanguard Russell 3000 | New | 0.02% | +0.02 |
| TRP TC Energy Corp. | New | 0.02% | +0.02 |
| EFG iShares MSCI Eafe Growth ETF | Add +1.8% | 2.09% | +0.02 |
| JEPI JPMorgan Equity Premium Inco | Add +33.8% | 0.05% | +0.02 |
| MKL Markel Group Inc. | Add +46.0% | 0.04% | +0.01 |
| SNPS Synopsys Inc. | Add +164.2% | 0.02% | +0.01 |
| AMGN Amgen Inc. | Add +2.6% | 0.09% | +0.01 |
| NYF iShares New York Muni Bond E | Add +4.2% | 0.35% | +0.01 |
| VEA Vanguard Ftse Developed ETF | Add +12.1% | 0.08% | +0.01 |
| IAGG iShares Intl Aggregate Bond | Add +12.6% | 0.14% | +0.01 |
| NUE Nucor Corp. | Add +0.5% | 0.06% | +0.01 |
| MTD Mettler-Toledo International | Add +220.0% | 0.01% | +0.01 |
| SGOL Etfs Gold Trust | Add +10.8% | 0.14% | +0.01 |
| VOO Vanguard S&P 500 ETF | Add +0.4% | 0.63% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +27.7% | 0.03% | +0.01 |
| AOR iShares Core 60/40 Balanced | Add +1.6% | 0.43% | +0.01 |
| IEFA iShares Core MSCI Eafe ETF | Add +0.1% | 0.50% | +0.01 |
| AOA iShares Core 80/20 Aggressiv | New | 0.01% | +0.01 |
| XLV SS Health Care Select Sector | Add +0.3% | 0.07% | +0.01 |
| IWM iShares Russell 2000 ETF | Add +0.3% | 0.55% | +0.01 |
| FITB Fifth Third Bancorp | New | 0.01% | +0.01 |
| RAL Ralliant Corp. | New | 0.01% | +0.01 |
| GSK GSK PLC-Spon ADR | Add +0.1% | 0.05% | +0.01 |
| BIV Vanguard Intermediate-Term B | Add +8.6% | 0.08% | +0.01 |
| CMG Chipotle Mexican Grill Inc. | Add +25.0% | 0.04% | +0.01 |
| MU Micron Technology Inc. | Add +90.9% | 0.01% | +0.01 |
| SCHW Schwab (charles) Corp. | Add +1.2% | 0.11% | +0.01 |
| CAH Cardinal Health Inc. | Add +8.7% | 0.02% | +0.00 |
| DIA SS SPDR Dow Jones Indus Avg | Add +2.3% | 0.11% | +0.00 |
| VGT Vanguard Info Tech ETF | Add +2.2% | 0.22% | +0.00 |
| AMD Advanced Micro Devices | Add +1.9% | 0.02% | +0.00 |
| LRCX Lam Research Corp. | Add +27.6% | 0.01% | +0.00 |
| XLC SS Comm Select Sector SPDR | Add +9.9% | 0.04% | +0.00 |
| IJH iShares Core S&P Midcap ETF | Add +0.8% | 0.27% | +0.00 |
| SCHE Schwab Emrg Mrkts Eqty ETF | Add +365.1% | 0.00% | +0.00 |
| DOV Dover Corp. | Add +12.7% | 0.02% | +0.00 |
| LQDH iShares Int Hedg Corp. BD ETF | New | 0.00% | +0.00 |
| HYDB iShares High Yield Systemati | Add +9.9% | 0.03% | +0.00 |
| JMTG Mortgage-Backed Securities | New | 0.00% | +0.00 |
Notes & Other Activity Q3 2025 → Q4 2025
| WELLS FARGO & COMPANY (WFC 7.5 PERP L) | PERP PFD CNV A | Add +10.7% | 93 | $48K |
| SCE TRUST II (EIX 5.1 PERP) | PFD | Add +5.9% | 18 | $5K |
| MCLN Medclean Technologies Inc. | COM | New | 0 | $0 |
| SVNTQ Savient Pharmaceuticals Inc. | COM | Sold out | 0 | $0before 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 |