NBT Bank, N.A.

In its 13F for Q1 2026 (holdings as of March 31, 2026, filed April 28, 2026), NBT Bank, N.A. reported 1,071 stock positions worth $1.5 billion. Its top holding was Microsoft (MSFT) at 4.9% of the portfolio, followed by Apple (AAPL, 4.5%) and NT Mstar GLBL NR ETF (GUNR, 3.3%). Compared with Q4 2025, it opened 260 new positions, sold out of 23, added to 363 and reduced 295. The biggest buy was a new position in Vanguard Extended Dur Treas (EDV) and the biggest sale Microsoft (MSFT, shares −1%).

Most Recent 13F
Q2 2026
Location
NORWICH, NY
CIK
0000898413
Portfolio Value
$1.5B (Q1 2026)
SEC Filing
0001140361-26-017312 ↗ filed Apr 28, 2026

Holdings Value

0$500.0M$1.0B$1.5B$2.0B Q1 2024: $1.4B Q1 2024 Q2 2024: $1.4B Q2 2024 Q3 2024: $1.5B Q3 2024 Q4 2024: $1.4B Q4 2024 Q1 2025: $1.4B Q1 2025 Q2 2025: $1.5B Q2 2025 Q3 2025: $1.5B Q3 2025 Q4 2025: $1.5B Q4 2025 Q1 2026: $1.5B $1.5B Q1 2026 Q2 2026: $1.5B Q2 2026

Holdings 1,071 stocks · $1.5B
MSFT Microsoft Corp. 4.91% 202,622 $75.0M Reduce -0.6%
AAPL Apple Inc. 4.50% 270,817 $68.7M Add +2.4%
GUNR NT Mstar GLBL NR ETF 3.35% 926,707 $51.1M Add +1.4%
GOOGL Alphabet Inc. Class A 2.76% 146,381 $42.1M Reduce -1.8%
GOOG Alphabet Inc. Class C 2.72% 144,723 $41.5M Reduce -2.3%
JPM JPMorgan Chase & Co. 2.41% 125,008 $36.8M Reduce -1.0%
EFG iShares MSCI Eafe Growth ETF 2.13% 291,374 $32.5M Add +3.6%
XOM Exxon Mobil Corp. 1.87% 167,933 $28.5M Add +4.7%
CAT Caterpillar Inc. 1.86% 40,077 $28.4M Add +29.5%
JNJ Johnson & Johnson 1.73% 108,041 $26.4M Add +0.6%
TT Trane Technologies PLC 1.54% 56,562 $23.6M Reduce -1.3%
LOW Lowe's Cos Inc. 1.41% 90,969 $21.5M Reduce -1.0%
AMZN Amazon.com Inc. 1.34% 98,446 $20.5M Add +3.8%
VTI VG Morningstar TS MKT ETF-US 1.30% 61,985 $19.9M Add +503.8%
IUSG iShares Core S&P U.S. Growth 1.27% 124,598 $19.3M Add +74065.5%
MCD McDonald's Corp. 1.26% 61,720 $19.2M Reduce -2.1%
VTV Vanguard Mrngstr Val ETF-Aui 1.25% 97,605 $19.2M Add +4454.6%
BRK.B Berkshire Hathaway Inc. Class B 1.16% 36,922 $17.7M Add +5.0%
PG The Procter & Gamble Co. 1.15% 121,024 $17.5M Add +0.3%
DE Deere & Co. 1.12% 30,280 $17.1M Reduce -2.7%
CVX Chevron Corp. 1.11% 82,161 $17.0M Add +0.1%
RTX RTX Corp. 1.06% 84,182 $16.2M Add +1.5%
WMT Walmart Inc. 1.04% 127,379 $15.8M Add +10.0%
COST Costco Wholesale Corp. 0.92% 14,161 $14.1M Reduce -6.6%
STIP iShares 0-5 Year Tips Bond E 0.88% 130,487 $13.5M Add +2.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.86% 54,104 $13.1M Add +16.9%
IGSB iShares 1-5Y Inv Grade Corp. 0.84% 244,870 $12.9M Reduce -0.7%
NVDA Nvidia Corp. 0.82% 71,377 $12.4M Add +1.8%
EDV Vanguard Extended Dur Treas 0.82% 191,595 $12.4M New
SDY SS SPDR S&P Dividend ETF 0.78% 81,952 $12.0M Reduce -0.5%
CSCO Cisco Systems Inc. 0.78% 153,062 $11.9M Add +0.3%
ABBV Abbvie Inc. 0.73% 51,121 $11.1M Reduce -1.2%
NBTB N B T Bancorp Inc. 0.73% 260,470 $11.1M Add +5.3%
PEP Pepsico Inc. 0.72% 70,869 $11.0M Reduce -2.3%
MRK Merck & Co. Inc. 0.71% 89,896 $10.8M Reduce -1.3%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.70% 67,046 $10.7M Reduce -0.1%
AGG iShares Core U.S. Aggregate 0.68% 105,243 $10.4M Add +919.7%
ABT Abbott Laboratories 0.66% 98,374 $10.1M Reduce -2.9%
MDY State Street SPDR S&P Midcap 0.61% 15,209 $9.4M Reduce -3.3%
VOO Vanguard S&P 500 ETF 0.61% 15,490 $9.3M Reduce -9.0%
VCSH Vanguard S/T Corp. Bond ETF 0.59% 113,606 $9.0M Add +3240.4%
UNP Union Pacific Corp. 0.58% 36,231 $8.8M Reduce -1.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.57% 13,390 $8.7M Add +0.3%
IEFA iShares Core MSCI Eafe ETF 0.56% 94,077 $8.5M Add +9.1%
IWM iShares Russell 2000 ETF 0.56% 34,173 $8.5M Add +0.1%
SCHD Schwab US DVD Equity ETF 0.55% 274,058 $8.4M Add +0.1%
GS Goldman Sachs Group Inc. 0.55% 9,886 $8.4M Reduce -13.3%
LLY Eli Lilly & Co. 0.52% 8,678 $8.0M Reduce -19.7%
GWW WW Grainger Inc. 0.52% 7,278 $7.9M Reduce -2.5%
NEE Nextera Energy Inc. 0.51% 83,980 $7.8M Reduce -0.6%
SPGI S&P Global Inc. 0.50% 18,111 $7.7M Reduce -3.6%
DHR Danaher Corp. 0.50% 40,016 $7.6M Reduce -4.0%
ADP Automatic Data Processing 0.49% 37,136 $7.5M Reduce -4.6%
EFA iShares MSCI Eafe ETF 0.49% 77,539 $7.5M Add +0.7%
NFRA NT GLBL BRD Infra ETF 0.48% 113,705 $7.3M Reduce -3.4%
ORCL Oracle Corp. 0.47% 48,487 $7.1M Reduce -0.3%
SHY iShares 1-3 Year Treasury Bo 0.46% 85,336 $7.0M Reduce -6.6%
IXUS iShares Core Intl Stock ETF 0.45% 80,038 $6.9M Add +5763.6%
VBR Vngrd Mrngst SL-CP Val ETF-U 0.44% 31,077 $6.8M Add +3639.7%
IJT iShares S&P Small-Cap 600 GR 0.44% 46,615 $6.7M Add +1207.6%
KO The Coca-Cola Co. 0.44% 88,684 $6.7M Reduce -0.7%
GD General Dynamics Corp. 0.44% 19,579 $6.7M Reduce -0.3%
AOR iShares Core 60/40 Balanced 0.43% 102,224 $6.6M Add +157167.7%
HON Honeywell International Inc. 0.41% 27,852 $6.3M Reduce -2.1%
BMO Bank of Montreal filed as BANK MONTREAL MEDIUM 0.41% 46,069 $6.2M Add +3443.8%
IVV iShares Core S&P 500 ETF 0.40% 9,309 $6.1M Add +59.7%
ANGL Vaneck Fallen Angel High YLD 0.37% 198,572 $5.7M Add +2631.8%
EEM iShares MSCI Emerging Market 0.36% 96,908 $5.5M Add +13.4%
META Meta Platforms Inc. Class A 0.35% 9,432 $5.4M Reduce -4.0%
HYG Ishr Ibx Usd Hiyld CB ETF-Ui 0.35% 67,230 $5.3M Add +26.2%
DIS The Walt Disney Co. filed as DISNEY WALT CO 0.34% 53,658 $5.2M Reduce -6.4%
PANW Palo Alto Networks Inc. 0.34% 32,194 $5.2M Reduce -5.0%
LMT Lockheed Martin Corp. 0.34% 8,520 $5.1M Reduce -7.6%
NYF iShares New York Muni Bond E 0.33% 95,210 $5.1M Reduce -5.2%
AVGO Broadcom Inc. 0.32% 15,967 $4.9M Add +7.3%
HD Home Depot Inc. 0.32% 14,848 $4.9M Reduce -1.0%
V Visa Inc. Class A 0.32% 16,144 $4.9M Reduce -6.3%
PM Philip Morris International 0.32% 29,194 $4.8M Reduce -2.8%
VXUS Vanguard Total Intl Stock 0.31% 61,895 $4.8M Reduce -0.1%
GDX Vaneck Gold Miners ETF 0.31% 51,993 $4.8M Add +8.4%
XLK SS Technology Select Sector 0.31% 35,238 $4.7M Add +2.9%
PFE Pfizer Inc. 0.30% 165,231 $4.6M Add +9.0%
AXP American Express Co. 0.30% 15,083 $4.6M Reduce -4.0%
IR Ingersoll-Rand Inc. 0.30% 56,689 $4.5M Add +0.0%
ETN Eaton Corp. PLC 0.30% 12,669 $4.5M Reduce -1.3%
NVS Novartis AG-Sponsored ADR 0.28% 27,823 $4.2M Reduce -1.3%
IJH iShares Core S&P Midcap ETF 0.28% 62,731 $4.2M Reduce -1.2%
TMO Thermo Fisher Scientific Inc. 0.28% 8,609 $4.2M Reduce -13.3%
LIN Linde PLC 0.28% 8,529 $4.2M Reduce -7.5%
NFLX Netflix Inc. 0.27% 43,645 $4.2M Add +3.8%
VZ Verizon Communications Inc. 0.27% 83,575 $4.2M Add +9.9%
VCLT Vanguard Long-Term Corp. Bond 0.27% 54,940 $4.1M New
QCOM Qualcomm Inc. 0.27% 31,777 $4.1M Reduce -2.2%
GLD SPDR Gold Shares 0.27% 9,472 $4.1M Add +50.8%
IBB iShares Biotechnology ETF 0.26% 23,588 $4.0M Reduce -4.3%
SCZ iShares MSCI Eafe Small-Cap 0.26% 50,167 $3.9M Reduce -0.1%
XLB SS Materials Select Sector 0.26% 78,135 $3.9M Reduce -2.3%
SPDW Ste STR SPDR PT DW Eu ETF 0.24% 79,065 $3.6M Add +1.1%
BRK.A Berkshire Hathaway Inc. Class A 0.24% 5 $3.6M No change
UNH Unitedhealth Group Inc. 0.23% 13,209 $3.6M Reduce -3.8%

Show all 1,071 holdings

Other holdings (2): bonds, preferreds, convertibles and warrants · $13K (not counted above)
SecurityClassShares / PrincipalValueChange
OXY.WS Occidental Petroleum-CW27 *W EXP 08/03/202 193$8KNo change
SCE TRUST II (EIX 5.1 PERP) PFD 275$5KAdd +1427.8%

Total filed on the 13F, all lines: $1.5B.

Portfolio Sells Q4 2025 → Q1 2026
MSFT Microsoft Corp. Reduce -0.6% 4.91% −1.45
TLT iShares 20+ Year Treasury BD Reduce -43.7% 0.00% −0.33
GOOG Alphabet Inc. Class C Reduce -2.3% 2.72% −0.32
GOOGL Alphabet Inc. Class A Reduce -1.8% 2.76% −0.30
JPM JPMorgan Chase & Co. Reduce -1.0% 2.41% −0.25
ABT Abbott Laboratories Reduce -2.9% 0.66% −0.16
ORCL Oracle Corp. Reduce -0.3% 0.47% −0.15
ADP Automatic Data Processing Reduce -4.6% 0.49% −0.15
SCHF Schwab Intl Equity ETF Reduce -42.8% 0.18% −0.14
DHR Danaher Corp. Reduce -4.0% 0.50% −0.12
SPGI S&P Global Inc. Reduce -3.6% 0.50% −0.11
LLY Eli Lilly & Co. Reduce -19.7% 0.52% −0.09
QCOM Qualcomm Inc. Reduce -2.2% 0.27% −0.09
DIS The Walt Disney Co. Reduce -6.4% 0.34% −0.09
MRSH Marsh & McLennan Cos Reduce -27.1% 0.18% −0.08
AXP American Express Co. Reduce -4.0% 0.30% −0.08
TMO Thermo Fisher Scientific Inc. Reduce -13.3% 0.28% −0.07
V Visa Inc. Class A Reduce -6.3% 0.32% −0.07
PANW Palo Alto Networks Inc. Reduce -5.0% 0.34% −0.07
UNH Unitedhealth Group Inc. Reduce -3.8% 0.23% −0.05
GS Goldman Sachs Group Inc. Reduce -13.3% 0.55% −0.05
ABBV Abbvie Inc. Reduce -1.2% 0.73% −0.04
CPNG Coupang Inc. Reduce -83.4% 0.01% −0.04
META Meta Platforms Inc. Class A Reduce -4.0% 0.35% −0.04
PRU Prudential Financial Inc. Reduce -11.2% 0.13% −0.04
NOW ServiceNow Inc. Reduce -28.0% 0.04% −0.04
EEMV iShares MSCI Emg MKT Min Vol Reduce -22.7% 0.10% −0.03
UBER Uber Technologies Inc. Reduce -5.8% 0.18% −0.03
WFC Wells Fargo & Co. Reduce -1.2% 0.17% −0.03
INTU Intuit Inc. Reduce -15.0% 0.04% −0.03
MA Mastercard Inc. Class A Reduce -8.9% 0.21% −0.03
LOW Lowe's Cos Inc. Reduce -1.0% 1.41% −0.03
SHY iShares 1-3 Year Treasury Bo Reduce -6.6% 0.46% −0.03
NKE Nike Inc. Class B Reduce -9.0% 0.09% −0.03
APH Amphenol Corp. Class A Reduce -4.3% 0.22% −0.02
PAYX Paychex Inc. Reduce -1.5% 0.10% −0.02
CVS CVS Health Corp. Reduce -1.8% 0.19% −0.02
GIS General Mills Inc. Reduce -0.5% 0.08% −0.02
VOO Vanguard S&P 500 ETF Reduce -9.0% 0.61% −0.02
NVO Novo-Nordisk A/S-Spons ADR Reduce -0.1% 0.05% −0.02
AON Aon PLC Class A Reduce -13.2% 0.08% −0.02
ISRG Intuitive Surgical Inc. Reduce -13.8% 0.09% −0.02
TGT Target Corp. Reduce -28.7% 0.15% −0.02
GE General Electric Reduce -4.3% 0.22% −0.02
BLK BlackRock Inc. Reduce -0.3% 0.16% −0.02
ROP Roper Technologies Inc. Reduce -34.9% 0.03% −0.02
BAM Brookfield Asset Mgmt-A Reduce -5.3% 0.07% −0.02
NYF iShares New York Muni Bond E Reduce -5.2% 0.33% −0.02
ADBE Adobe Inc. Reduce -8.5% 0.03% −0.02
GQRE NT GLBL Qual Re ETF Reduce -22.4% 0.06% −0.01

Portfolio Buys Q4 2025 → Q1 2026
EDV Vanguard Extended Dur Treas New 0.82% +0.82
GUNR NT Mstar GLBL NR ETF Add +1.4% 3.35% +0.64
XOM Exxon Mobil Corp. Add +4.7% 1.87% +0.56
CAT Caterpillar Inc. Add +29.5% 1.86% +0.33
CVX Chevron Corp. Add +0.1% 1.11% +0.31
VCLT Vanguard Long-Term Corp. Bond New 0.27% +0.27
JNJ Johnson & Johnson Add +0.6% 1.73% +0.27
AGG iShares Core U.S. Aggregate Add +919.7% 0.68% +0.14
WMT Walmart Inc. Add +10.0% 1.04% +0.11
SCHD Schwab US DVD Equity ETF Add +0.1% 0.55% +0.07
STUB Stubhub Holdings Inc. Class A New 0.06% +0.06
IEFA iShares Core MSCI Eafe ETF Add +9.1% 0.56% +0.06
EEM iShares MSCI Emerging Market Add +13.4% 0.36% +0.06
RTX RTX Corp. Add +1.5% 1.06% +0.06
VZ Verizon Communications Inc. Add +9.9% 0.27% +0.05
GDX Vaneck Gold Miners ETF Add +8.4% 0.31% +0.05
STIP iShares 0-5 Year Tips Bond E Add +2.9% 0.88% +0.05
VTV Vanguard Mrngstr Val ETF-Aui Add +4454.6% 1.25% +0.05
PFE Pfizer Inc. Add +9.0% 0.30% +0.04
EFG iShares MSCI Eafe Growth ETF Add +3.6% 2.13% +0.03
GLW Corning Inc. Add +54.3% 0.10% +0.03
T AT&T Inc. Add +18.1% 0.20% +0.03
MO Altria Group Inc. Add +2.4% 0.19% +0.03
JEPI JPMorgan Equity Premium Inco Add +90.0% 0.07% +0.03
IWF iShares Russell 1000 Growth Add +47.8% 0.06% +0.03
XLE SS Energy Select Sector Add +0.3% 0.09% +0.02
BMO Bank of Montreal Add +3443.8% 0.41% +0.02
QUAL iShares MSCI USA Quality Fac Add +199.5% 0.04% +0.02
NBTB N B T Bancorp Inc. Add +5.3% 0.73% +0.02
LHX L3HARRIS Technologies Inc. Add +0.1% 0.11% +0.02
XLU St Sr Utl SL SE SPDR ETF-Usd Add +1.6% 0.23% +0.02
HUBB Hubbell Inc. Add +883.3% 0.02% +0.02
SCHW Schwab (charles) Corp. Add +26.9% 0.12% +0.02
VBR Vngrd Mrngst SL-CP Val ETF-U Add +3639.7% 0.44% +0.02
IWN iShares Russell 2000 Value E Add +96.2% 0.03% +0.02
IJT iShares S&P Small-Cap 600 GR Add +1207.6% 0.44% +0.02
EFA iShares MSCI Eafe ETF Add +0.7% 0.49% +0.02
CSCO Cisco Systems Inc. Add +0.3% 0.78% +0.02
SGOL Etfs Gold Trust Add +129212.2% 0.15% +0.01
GLD SPDR Gold Shares Add +50.8% 0.27% +0.01
IVV iShares Core S&P 500 ETF Add +59.7% 0.40% +0.01
IEF iShares 7-10 Year Treasury B Add +79.8% 0.03% +0.01
CR Crane Co. New 0.01% +0.01
NFLX Netflix Inc. Add +3.8% 0.27% +0.01
IAGG iShares Intl Aggregate Bond Add +7.5% 0.15% +0.01
DES Wisdomtree US Smallcap Divid Add +116.2% 0.12% +0.01
DON Wisdomtree US Midcap Dividen Add +46.7% 0.23% +0.01
SO The Southern Co. Add +3.5% 0.13% +0.01
SPDW Ste STR SPDR PT DW Eu ETF Add +1.1% 0.24% +0.01
IXUS iShares Core Intl Stock ETF Add +5763.6% 0.45% +0.01

Notes & Other Activity Q4 2025 → Q1 2026
WELLS FARGO & COMPANY (WFC 7.5 PERP L) PERP PFD CNV A Sold out 93 $48Kbefore exit
SCE TRUST II (EIX 5.1 PERP) PFD Add +1427.8% 275 $5K
SPWRQ Sunpower Corp. COM Sold out 0 $0before exit

Bonds, preferreds, convertibles and warrants; not part of the stock holdings or percentages above.

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 1,068$1.5BMSFT, AAPL, GOOGL, GOOG, GUNR
Q1 2026 1,071$1.5BMSFT, AAPL, GUNR, GOOGL, GOOG
Q4 2025 819$1.5BMSFT, AAPL, GOOGL, GOOG, GUNR
Q3 2025 811$1.5BMSFT, AAPL, GUNR, JPM, GOOGL
Q2 2025 817$1.5BMSFT, AAPL, JPM, GUNR, EFG
Q1 2025 827$1.4BMSFT, AAPL, GUNR, JPM, EFG
Q4 2024 795$1.4BMSFT, AAPL, GUNR, JPM, GOOGL
Q3 2024 840$1.5BMSFT, AAPL, GUNR, GOOGL, JPM
Q2 2024 594$1.4BMSFT, AAPL, GUNR, GOOGL, GOOG
Q1 2024 599$1.4BMSFT, AAPL, GUNR, GOOGL, JPM