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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
+3.21%
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
$1.55B
AUM Growth
+$13.4M
Cap. Flow
-$18.1M
Cap. Flow %
-1.17%
Top 10 Hldgs %
29.16%
Holding
857
New
47
Increased
186
Reduced
327
Closed
40

Top Buys

Rank Stock Value
1
JPST icon
JPMorgan Ultra-Short Income ETF
JPST
+$1.91M
2
VXUS icon
Vanguard Total International Stock ETF
VXUS
+$1.89M
3
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$1.87M
4
STIP icon
iShares 0-5 Year TIPS Bond ETF
STIP
+$1.67M
5
CPNG icon
Coupang
CPNG
+$667K

Top Sells

Rank Stock Value
1
AAPL icon
Apple
AAPL
+$1.67M
2
GOOGL icon
Alphabet (Google) Class A
GOOGL
+$1.48M
3
NFLX icon
Netflix
NFLX
+$1.46M
4
CPRT icon
Copart
CPRT
+$1.22M
5
DD icon
DuPont de Nemours
DD
+$1.17M

Sector Composition

Rank Sector Weight
1 Technology 18.15%
2 Financials 10.25%
3 Industrials 9.87%
4 Communication Services 7.68%
5 Healthcare 7.36%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
STIP icon
26
iShares 0-5 Year TIPS Bond ETF
STIP
$15.9B
$13M 0.84%
126,787
+16,184
+15% +$1.67M
ABT icon
27
Abbott
ABT
$183B
$12.8M 0.82%
101,313
-2,497
-2% -$318K
CVX icon
28
Chevron
CVX
$392B
$12.5M 0.81%
82,097
-1,367
-2% -$208K
COST icon
29
Costco
COST
$422B
$12.5M 0.81%
15,166
-663
-4% -$601K
ABBV icon
30
AbbVie
ABBV
$443B
$12M 0.77%
51,749
-701
-1% -$160K
CSCO icon
31
Cisco
CSCO
$457B
$11.8M 0.76%
152,596
-1,494
-1% -$111K
SDY icon
32
State Street SPDR S&P Dividend ETF
SDY
$21.7B
$11.5M 0.74%
82,327
– –
NBTB icon
33
NBT Bancorp
NBTB
$2.74B
$11M 0.71%
247,388
-1,297
-0.5% -$53.9K
PEP icon
34
PepsiCo
PEP
$190B
$10.5M 0.68%
72,499
-1,689
-2% -$248K
TJX icon
35
TJX Companies
TJX
$174B
$10.3M 0.67%
67,118
-608
-0.9% -$89.9K
ADP icon
36
Automatic Data Processing
ADP
$106B
$9.97M 0.64%
38,932
-2,004
-5% -$533K
VOO icon
37
Vanguard S&P 500 ETF
VOO
$979B
$9.69M 0.63%
17,018
+64
+0.4% +$39.8K
MRK icon
38
Merck
MRK
$322B
$9.67M 0.62%
91,087
-3,088
-3% -$290K
ORCL icon
39
Oracle
ORCL
$374B
$9.61M 0.62%
48,643
-1,129
-2% -$269K
SPGI icon
40
S&P Global
SPGI
$121B
$9.55M 0.62%
18,792
+340
+2% +$168K
DHR icon
41
Danaher
DHR
$137B
$9.54M 0.62%
41,687
-1,436
-3% -$316K
LLY icon
42
Eli Lilly
LLY
$1.02T
$9.54M 0.62%
10,804
+363
+3% +$347K
MDY icon
43
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$26.6B
$9.49M 0.61%
15,730
-321
-2% -$192K
GS icon
44
Goldman Sachs
GS
$300B
$9.28M 0.6%
11,396
+129
+1% +$105K
SPY icon
45
State Street SPDR S&P 500 ETF Trust
SPY
$790B
$9.1M 0.59%
13,345
-150
-1% -$101K
VCSH icon
46
Vanguard Short-Term Corporate Bond ETF
VCSH
$44.7B
$9.07M 0.59%
3,401
-1
-0% -$80
IWM icon
47
iShares Russell 2000 ETF
IWM
$79.8B
$8.52M 0.55%
34,122
+106
+0.3% +$26.1K
UNP icon
48
Union Pacific
UNP
$174B
$8.47M 0.55%
36,634
-491
-1% -$112K
AGG icon
49
iShares Core US Aggregate Bond ETF
AGG
$137B
$8.46M 0.55%
10,321
-64
-0.6% -$6.42K
IEFA icon
50
iShares Core MSCI EAFE ETF
IEFA
$190B
$7.71M 0.5%
86,195
+45
+0.1% +$3.98K
1
2
3 4 5

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NBT Bank's Q4 2025 Portfolio in Review

As of Q4 2025, NBT Bank held 857 positions worth $1.55B, up 0.87% from $1.54B the previous quarter. Its ten largest holdings account for 29% of the portfolio.

NBT Bank's Q4 2025 filing shows 47 new, 186 increased, 327 reduced and 40 closed positions. Its largest new stake was TC Energy: 5,166 shares worth $284K. The largest sale was Apple, an estimated $1.67M.

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

  • NBT Bank's largest Q4 2025 buy was TC Energy: 5,166 shares worth $284K.
  • NBT Bank added most to JPMorgan Ultra-Short Income ETF in Q4 2025, an estimated $1.91M increase.
  • NBT Bank's biggest Q4 2025 reduction was Apple, cutting an estimated $1.67M.
  • NBT Bank fully exited FlexShares Real Assets Allocation Index Fund in Q4 2025, selling an estimated $737K.
  • NBT Bank's ten largest holdings make up 29% of its $1.55B portfolio in Q4 2025.
  • NBT Bank opened 47 new positions and closed 40 in Q4 2025.
  • NBT Bank's portfolio value rose 0.87% quarter-over-quarter to $1.55B.

Based on NBT Bank's 13F filing for Q4 2025, filed 23 Jan 2026.