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NBT Bank Portfolio holdings

AUM $1.51B
1-Year Est. Return 24.9%
This Fund
S&P 500
This Quarter Est. Return
+7.64%
1 Year Est. Return
+24.9%
3 Year Est. Return
+68.16%
5 Year Est. Return
+83.97%
10 Year Est. Return
+279.13%
AUM
$1.54B
AUM Growth
+$78.9M
Cap. Flow
-$169M
Cap. Flow %
-11.01%
Top 10 Hldgs %
28.49%
Holding
869
New
56
Increased
156
Reduced
387
Closed
59

Top Buys

Rank Stock Value
1
MELI icon
Mercado Libre
MELI
+$5.56M
2
NFLX icon
Netflix
NFLX
+$1.35M
3
IBM icon
IBM
IBM
+$1.22M
4
GS icon
Goldman Sachs
GS
+$1.03M
5
GEV icon
GE Vernova
GEV
+$1.01M

Top Sells

Rank Stock Value
1
IUSG icon
iShares Core S&P US Growth ETF
IUSG
+$20.7M
2
VTV icon
Vanguard Morningstar Value ETF
VTV
+$17.7M
3
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$16.8M
4
VCSH icon
Vanguard Short-Term Corporate Bond ETF
VCSH
+$8.72M
5
AGG icon
iShares Core US Aggregate Bond ETF
AGG
+$7.15M

Sector Composition

Rank Sector Weight
1 Technology 18.98%
2 Financials 10.28%
3 Industrials 10.16%
4 Healthcare 6.99%
5 Communication Services 6.72%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
NVDA icon
26
NVIDIA
NVDA
$4.99T
$13.7M 0.89%
71,961
-2,292
-3% -$400K
WMT icon
27
Walmart Inc
WMT
$880B
$13.3M 0.87%
117,975
-11,972
-9% -$1.19M
IGSB icon
28
iShares 1-5 Year Investment Grade Corporate Bond ETF
IGSB
$22.9B
$13.2M 0.86%
247,727
-594
-0.2% -$31.4K
CVX icon
29
Chevron
CVX
$387B
$13M 0.84%
83,464
-2,134
-2% -$330K
ABBV icon
30
AbbVie
ABBV
$434B
$12.3M 0.8%
52,450
-1,516
-3% -$309K
ADP icon
31
Automatic Data Processing
ADP
$107B
$11.9M 0.78%
40,936
+40
+0.1% +$12K
SDY icon
32
State Street SPDR S&P Dividend ETF
SDY
$23.6B
$11.5M 0.75%
82,327
-65
-0.1% -$9.07K
STIP icon
33
iShares 0-5 Year TIPS Bond ETF
STIP
$15.8B
$11.4M 0.74%
110,603
+7,137
+7% +$736K
NBTB icon
34
NBT Bancorp
NBTB
$2.74B
$11.2M 0.73%
248,685
-20,122
-7% -$863K
CSCO icon
35
Cisco
CSCO
$456B
$10.6M 0.69%
154,090
-5,768
-4% -$393K
PEP icon
36
PepsiCo
PEP
$190B
$10.6M 0.69%
74,188
-3,346
-4% -$478K
TJX icon
37
TJX Companies
TJX
$173B
$9.79M 0.64%
67,726
+694
+1% +$92.2K
MDY icon
38
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$26.7B
$9.57M 0.62%
16,051
-475
-3% -$279K
VOO icon
39
Vanguard S&P 500 ETF
VOO
$989B
$9.46M 0.62%
16,954
+1,601
+10% +$944K
VCSH icon
40
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.6B
$9.11M 0.59%
3,402
-109,663
-97% -$8.72M
SPY icon
41
State Street SPDR S&P 500 ETF Trust
SPY
$804B
$8.99M 0.59%
13,495
-644
-5% -$413K
SPGI icon
42
S&P Global
SPGI
$122B
$8.98M 0.58%
18,452
-996
-5% -$533K
UNP icon
43
Union Pacific
UNP
$173B
$8.78M 0.57%
37,125
+78
+0.2% +$17.6K
DHR icon
44
Danaher
DHR
$138B
$8.51M 0.55%
43,123
+25
+0.1% +$4.97K
GS icon
45
Goldman Sachs
GS
$301B
$8.37M 0.54%
11,267
+1,391
+14% +$1.03M
IWM icon
46
iShares Russell 2000 ETF
IWM
$81.4B
$8.35M 0.54%
34,016
-653
-2% -$150K
AGG icon
47
iShares Core US Aggregate Bond ETF
AGG
$137B
$8.26M 0.54%
10,385
-72,057
-87% -$7.15M
MRK icon
48
Merck
MRK
$315B
$7.97M 0.52%
94,175
-1,597
-2% -$132K
SHY icon
49
iShares 1-3 Year Treasury Bond ETF
SHY
$25B
$7.72M 0.5%
93,058
+1,719
+2% +$142K
NFRA icon
50
FlexShares STOXX Global Broad Infrastructure Index Fund
NFRA
$3B
$7.59M 0.49%
120,616
-925
-0.8% -$57.4K
1
2
3 4 5

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KP
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SCM
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FCM
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BFO
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NBT Bank's Q3 2025 Portfolio in Review

As of Q3 2025, NBT Bank held 869 positions worth $1.54B, up 5.4% from $1.46B the previous quarter. Its ten largest holdings account for 28% of the portfolio.

NBT Bank withdrew a net $169M in Q3 2025, closing 59 positions and reducing 387 holdings. Its most notable exit was Golub Capital BDC, an estimated $527K position sold in full.

By sector, the portfolio is most concentrated in Technology at 19% of assets, up from 18% a quarter earlier, followed by Financials and Industrials.

Against the trend, NBT Bank opened a new position in First Trust NASDAQ Cybersecurity ETF worth $182K.

  • NBT Bank's largest Q3 2025 buy was First Trust NASDAQ Cybersecurity ETF: 2,400 shares worth $182K.
  • NBT Bank added most to Mercado Libre in Q3 2025, an estimated $5.56M increase.
  • NBT Bank's biggest Q3 2025 reduction was iShares Core S&P US Growth ETF, cutting an estimated $20.7M.
  • NBT Bank fully exited Golub Capital BDC in Q3 2025, selling an estimated $527K.
  • NBT Bank's ten largest holdings make up 28% of its $1.54B portfolio in Q3 2025.
  • NBT Bank opened 56 new positions and closed 59 in Q3 2025.
  • NBT Bank's portfolio value rose 5.4% quarter-over-quarter to $1.54B.

Based on NBT Bank's 13F filing for Q3 2025, filed 28 Oct 2025.