NBT BANK N A /NY

Portfolio Overview

NBT BANK N A /NY disclosed 1,069 positions worth $1.5B in its Form 13F-HR for Q2 2026, led by $MSFT (MICROSOFT CORP) at 5.0% of the equity portfolio, followed by $AAPL and $GOOG. During the quarter the fund opened 143 new positions and exited 139 and a full exit from $HON. The portfolio is most concentrated in Other (27.9% of disclosed assets). All figures are sourced directly from NBT BANK N A /NY’s Form 13F-HR filing with the SEC under CIK 898413.

• 

  MICROSOFT CORP

  $MSFT

  79.8#31

  Quality

  $75.2M201,559 sh
• 

  Apple Inc.

  $AAPL

  76.4#84

  Quality

  $74.2M256,533 sh
• 

  Alphabet Inc.

  $GOOG

  78.2#57

  Quality

  $50.6M141,664 sh
• 

  Alphabet Inc.

  $GOOGL

  78.2

  Quality

  $48.9M138,526 sh

• FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM NATURAL RESOURCES INDEX FUND - COM

  —

  Quality

  $46.4M941,050 sh
• 

  CATERPILLAR INC

  $CAT

  66.5

  Quality

  $40.9M38,438 sh
• 

  JPMORGAN CHASE & CO

  $JPM

  70.7

  Quality

  $40.2M122,789 sh

• Ishares MSCI EAFE Growth ETF - Com

  —

  Quality

  $36.3M291,924 sh
• 

  Trane Technologies plc

  $TT

  —

  Quality

  $27.5M56,001 sh
• 

  JOHNSON & JOHNSON

  $JNJ

  69.0

  Quality

  $26.5M104,249 sh

Company	Quality	Value	Shares
MICROSOFT CORP$MSFT	79.8#31	$75.2M	201,559
Apple Inc.$AAPL	76.4#84	$74.2M	256,533
Alphabet Inc.$GOOG	78.2#57	$50.6M	141,664
Alphabet Inc.$GOOGL	78.2	$48.9M	138,526
FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM NATURAL RESOURCES INDEX FUND - COM	—	$46.4M	941,050
CATERPILLAR INC$CAT	66.5	$40.9M	38,438
JPMORGAN CHASE & CO$JPM	70.7	$40.2M	122,789
Ishares MSCI EAFE Growth ETF - Com	—	$36.3M	291,924
Trane Technologies plc$TT	—	$27.5M	56,001
JOHNSON & JOHNSON$JNJ	69.0	$26.5M	104,249

Showing top 10 of 1,069 holdings.

Top Holdings — NBT BANK N A /NY (Q2 2026)

Top 150 of 1,069 disclosed positions (by reported value) from the latest Form 13F-HR, with quarter-over-quarter share changes and 13F Pro quality scores. Sourced from SEC EDGAR.

#	Ticker	Company	Value	Weight	QoQ	Quality
1	$MSFT	MICROSOFT CORP	$75.2M	5.0%	-1%	79.8
2	$AAPL	Apple Inc.	$74.2M	4.9%	-5%	76.4
3	$GOOG	Alphabet Inc.	$50.6M	3.4%	-3%	78.2
4	$GOOGL	Alphabet Inc.	$48.9M	3.2%	-4%	78.2
5	—	FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM NATURAL RESOURCES INDEX FUND - COM	$46.4M	3.1%	+2%	—
6	$CAT	CATERPILLAR INC	$40.9M	2.7%	-4%	66.5
7	$JPM	JPMORGAN CHASE & CO	$40.2M	2.7%	-2%	70.7
8	—	Ishares MSCI EAFE Growth ETF - Com	$36.3M	2.4%	+0%	—
9	$TT	Trane Technologies plc	$27.5M	1.8%	-1%	—
10	$JNJ	JOHNSON & JOHNSON	$26.5M	1.8%	-4%	69
11	$AMZN	AMAZON COM INC	$22.9M	1.5%	-2%	68.7
12	$XOM.R34088	EXXON MOBIL CORP	$21.5M	1.4%	-7%	57.9
13	$LOW	LOWES COMPANIES INC	$19.9M	1.3%	-1%	60.8
14	$DE	DEERE & CO	$19.1M	1.3%	-0%	55.4
15	$CSCO	CISCO SYSTEMS, INC.	$17.9M	1.2%	-1%	70.3
16	—	VANGUARD S&P 500 ETF - COM	$17.6M	1.2%	+66%	—
17	$PG	PROCTER & GAMBLE Co	$17.0M	1.1%	-4%	64.6
18	$BRK.B	BERKSHIRE HATHAWAY INC	$16.6M	1.1%	-10%	73.8
19	$MCD	MCDONALDS CORP	$16.5M	1.1%	-1%	69
20	$RTX	RTX Corp	$15.5M	1.0%	-3%	73.2
21	$IBM	INTERNATIONAL BUSINESS MACHINES CORP	$14.2M	0.9%	-7%	70
22	$WMT	Walmart Inc.	$13.8M	0.9%	-4%	60.2
23	$NVDA	NVIDIA CORP	$13.7M	0.9%	-4%	85.9
24	—	ISHARES 0-5 YEAR TIPS BOND ETF - COM	$13.7M	0.9%	+3%	—
25	$CVX	CHEVRON CORP	$13.2M	0.9%	-3%	62.8
26	$NBTB	NBT BANCORP INC	$12.9M	0.8%	+0%	66.5
27	$COST	COSTCO WHOLESALE CORP /NEW	$12.9M	0.8%	-3%	66.2
28	—	ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF - COM	$12.7M	0.8%	-1%	—
29	$ABBV	AbbVie Inc.	$12.6M	0.8%	-2%	72.6
30	—	State Street SPDR S&P Dividend - Com	$12.3M	0.8%	-1%	—
31	$LLY	ELI LILLY & Co	$12.1M	0.8%	+17%	87.5
32	$PANW	Palo Alto Networks Inc	$12.0M	0.8%	+9%	65.5
33	$MRK	Merck & Co., Inc.	$11.3M	0.8%	-3%	59.9
34	$MDY	SPDR S&P MIDCAP 400 ETF TRUST	$10.4M	0.7%	-3%	—
35	$TJX	TJX COMPANIES INC /DE/	$10.2M	0.7%	+0%	68.7
36	$GS	GOLDMAN SACHS GROUP INC	$9.9M	0.7%	-1%	73.5
37	$UNP	UNION PACIFIC CORP	$9.8M	0.7%	-0%	69.7
38	$SPY	SPDR S&P 500 ETF TRUST	$9.8M	0.7%	-2%	—
39	—	Ishares Russell 2000 ETF - Com	$9.8M	0.7%	-4%	—
40	$GWW	W.W. GRAINGER, INC.	$9.7M	0.6%	-3%	61.8
41	$PEP	PEPSICO INC	$9.3M	0.6%	-3%	63.4
42	—	Ishares Core Msci Eafe ETF - Com	$8.9M	0.6%	-2%	—
43	$ABT	ABBOTT LABORATORIES	$8.7M	0.6%	-2%	65.5
44	—	SCHWAB U.S. DIVIDEND EQUITY ETF - COM	$8.6M	0.6%	-1%	—
45	—	Vanguard Extended Duration Tre - Com	$8.2M	0.6%	-34%	—
46	$BMO	BANK OF MONTREAL /CAN/	$8.1M	0.5%	+0%	76
47	—	Ishares Msci Eafe ETF - Com	$8.1M	0.5%	+0%	—
48	$DHR	DANAHER CORP /DE/	$7.7M	0.5%	+1%	64.8
49	$ADP	AUTOMATIC DATA PROCESSING INC	$7.7M	0.5%	-8%	69.8
50	$SPGI	S&P Global Inc.	$7.2M	0.5%	-2%	76.1
51	$KO	COCA COLA CO	$7.1M	0.5%	-1%	69.5
52	$NEE	NEXTERA ENERGY INC	$7.0M	0.5%	-5%	64.6
53	—	FlexShares STOXX Glbl Brd Infr - Com	$7.0M	0.5%	-4%	—
54	$ORCL	ORACLE CORP	$6.9M	0.5%	-2%	67.9
55	$GD	GENERAL DYNAMICS CORP	$6.9M	0.5%	-1%	68.7
56	—	Ishares 1-3 Year Treasury ETF - Com	$6.9M	0.5%	-2%	—
57	—	State Street Technology Select - Com	$6.8M	0.5%	+1%	—
58	—	Ishares Msci Emerging Mkt ETF - Com	$6.6M	0.4%	-1%	—
59	—	Vanguard Total Stock - COM	$6.2M	0.4%	-73%	—
60	$INTC	INTEL CORP	$6.1M	0.4%	-0%	45.6
61	$AVGO	Broadcom Inc.	$6.0M	0.4%	+0%	84.5
62	$V	VISA INC.	$5.7M	0.4%	+3%	82.9
63	$QCOM	QUALCOMM INC/DE	$5.7M	0.4%	-4%	70.5
64	$ETN	Eaton Corp plc	$5.5M	0.4%	+1%	—
65	$UNH	UNITEDHEALTH GROUP INC	$5.4M	0.4%	-2%	62.7
66	—	Ishares New York Muni Bond ETF - Com	$5.3M	0.3%	+3%	—
67	$PM	Philip Morris International Inc.	$5.2M	0.3%	-1%	75.9
68	$META	Meta Platforms, Inc.	$5.2M	0.3%	-2%	79.6
69	—	Vanguard Total International S - Com	$5.2M	0.3%	-1%	—
70	$DIS	Walt Disney Co	$5.1M	0.3%	-1%	60.1
71	$AXP	AMERICAN EXPRESS CO	$5.0M	0.3%	-2%	69.4
72	$HD	HOME DEPOT, INC.	$4.9M	0.3%	-7%	60.3
73	—	Ishares Core S&P Mid-Cap ETF - Com	$4.8M	0.3%	-1%	—
74	—	Ishares Core Total U.S. Aggreg - Com	$4.8M	0.3%	-54%	—
75	$APH	AMPHENOL CORP /DE/	$4.7M	0.3%	-2%	79.3
76	$IR	Ingersoll Rand Inc.	$4.6M	0.3%	+0%	64.4
77	$GE	GENERAL ELECTRIC CO	$4.6M	0.3%	+2%	73.8
78	—	Ishares Nasdaq Biotech ETF - Com	$4.3M	0.3%	-3%	—
79	$NVS	NOVARTIS AG	$4.3M	0.3%	-1%	—
80	—	ISHARES CORE S&P 500 ETF - COM	$4.3M	0.3%	-38%	—
81	$TMO	THERMO FISHER SCIENTIFIC INC.	$4.3M	0.3%	-1%	65.1
82	$LIN	LINDE PLC	$4.3M	0.3%	-4%	—
83	$LMT	LOCKHEED MARTIN CORP	$4.2M	0.3%	-3%	65.6
84	—	Vanguard Long-Term CorporateBo - Com	$4.1M	0.3%	+0%	—
85	$CVS	CVS HEALTH Corp	$4.1M	0.3%	-1%	59.4
86	—	Ishares Msci Eafe Small Cap ET - Com	$4.0M	0.3%	-3%	—
87	—	Ishares IBoxx High Yield Corpo - Com	$4.0M	0.3%	-26%	—
88	—	State St SPDR Port Developed W - Com	$4.0M	0.3%	-0%	—
89	—	State Street Materials Select - Com	$4.0M	0.3%	-0%	—
90	—	Vaneck Vectors Gold Miners ETF - Com	$3.9M	0.3%	+0%	—
91	$CARR	CARRIER GLOBAL Corp	$3.8M	0.3%	-1%	56.6
92	$TROW	PRICE T ROWE GROUP INC	$3.8M	0.3%	-2%	69
93	$BRK.A	BERKSHIRE HATHAWAY INC	$3.7M	0.3%	+0%	73.8
94	$ADI	ANALOG DEVICES INC	$3.7M	0.3%	-0%	79.2
95	—	Ishares Core Emerging Markets - Com	$3.7M	0.3%	-1%	—
96	$PFE	PFIZER INC	$3.7M	0.2%	-8%	62
97	—	JPMorgan Municipal ETF - Com	$3.6M	0.2%	+129%	—
98	$BAC	BANK OF AMERICA CORP /DE/	$3.5M	0.2%	-2%	67.6
99	—	Vanguard Value ETF - Com	$3.5M	0.2%	-84%	—
100	—	State Street Utilities Select - Com	$3.4M	0.2%	-1%	—
101	$MA	Mastercard Inc	$3.3M	0.2%	+4%	85.1
102	$PWR	QUANTA SERVICES, INC.	$3.3M	0.2%	-11%	72.1
103	$VZ	VERIZON COMMUNICATIONS INC	$3.1M	0.2%	-11%	65.8
104	—	State Street SPDR S&P Regional - Com	$3.1M	0.2%	-2%	—
105	$MO	ALTRIA GROUP, INC.	$3.1M	0.2%	-3%	67.4
106	—	ISHARES CORE S&P U.S. GROWTH ETF - COM	$3.1M	0.2%	-87%	—
107	$BMY	BRISTOL MYERS SQUIBB CO	$3.0M	0.2%	-7%	70.4
108	—	SCHWAB U.S. SMALL-CAP ETF - COM	$3.0M	0.2%	-18%	—
109	$NFLX	NETFLIX INC	$3.0M	0.2%	-3%	78.8
110	$MCHP	MICROCHIP TECHNOLOGY INC	$2.9M	0.2%	-0%	52.9
111	$WT	WisdomTree, Inc.	$2.9M	0.2%	-24%	59.9
112	—	Schwab International Equity ET - Com	$2.8M	0.2%	-7%	—
113	—	Ishares S&P Pref Stk ETF - Com	$2.7M	0.2%	+2%	—
114	$MS	MORGAN STANLEY	$2.7M	0.2%	-2%	75.8
115	$STT	STATE STREET CORP	$2.7M	0.2%	-0%	71.5
116	$AFL	AFLAC INC	$2.7M	0.2%	-0%	61.3
117	$WFC	WELLS FARGO & COMPANY/MN	$2.6M	0.2%	-6%	61.8
118	$BA	BOEING CO	$2.6M	0.2%	-4%	61.6
119	$MDLZ	Mondelez International, Inc.	$2.5M	0.2%	-2%	56.4
120	$UBER	Uber Technologies, Inc	$2.5M	0.2%	-7%	73.5
121	$BLK	BlackRock, Inc.	$2.5M	0.2%	+1%	70
122	$ALLE	Allegion plc	$2.5M	0.2%	+0%	—
123	$CRM	Salesforce, Inc.	$2.5M	0.2%	-5%	77
124	$TGT	TARGET CORP	$2.4M	0.2%	-1%	60.7
125	$ALV	AUTOLIV INC	$2.3M	0.1%	+0%	60.9
126	—	ISHARES CORE INTERNATIONAL AGGREGATE BOND ETF - COM	$2.3M	0.1%	-3%	—
127	$EMR	EMERSON ELECTRIC CO	$2.3M	0.1%	-0%	65.3
128	—	State Street Consumer Dis Sele - Com	$2.2M	0.1%	-2%	—
129	—	Vanguard Mid-Cap Growth Index - Com	$2.2M	0.1%	-0%	—
130	$AMAT	APPLIED MATERIALS INC /DE	$2.2M	0.1%	-1%	72.3
131	$ECL	ECOLAB INC.	$2.2M	0.1%	-1%	63.3
132	$CB	Chubb Ltd	$2.1M	0.1%	-1%	—
133	$PFH	PRUDENTIAL FINANCIAL INC	$2.1M	0.1%	-2%	58.7
134	$APD	Air Products & Chemicals, Inc.	$2.1M	0.1%	-1%	46.4
135	$USB	US BANCORP \DE\	$2.1M	0.1%	-3%	65.3
136	—	JPMorgan Ultra-Short Income ET - Com	$2.1M	0.1%	-1%	—
137	—	ISHARES CORE S&P SMALL-CAP ETF - COM	$2.1M	0.1%	-10%	—
138	$GLD	SPDR GOLD TRUST	$2.0M	0.1%	-42%	—
139	—	AMERICAN FUNDS GROWTH FUND OF AMER F2 - COM	$2.0M	0.1%	NEW	—
140	—	SCHWAB GOVERNMENT MONEY INV - COM	$2.0M	0.1%	NEW	—
141	$T	AT&T INC.	$1.9M	0.1%	-13%	65.7
142	$MRSH	MARSH & MCLENNAN COMPANIES, INC.	$1.9M	0.1%	-26%	66.2
143	—	Vanguard Inter Term Corp Bond - Com	$1.9M	0.1%	+0%	—
144	$GEV	GE Vernova Inc.	$1.9M	0.1%	-2%	81.1
145	$SCHW	SCHWAB CHARLES CORP	$1.8M	0.1%	-1%	79.4
146	$SO	SOUTHERN CO	$1.8M	0.1%	-10%	62
147	—	SCHWAB U.S. AGGREGATE BOND ETF - COM	$1.8M	0.1%	-1%	—
148	—	State St SPDR Dow Jones Ind Av - Com	$1.8M	0.1%	-3%	—
149	—	ISHARES S&P SMALL-CAP 600 GROWTH ETF - COM	$1.7M	0.1%	-79%	—
150	$UPS	UNITED PARCEL SERVICE INC	$1.7M	0.1%	-2%	58.6