NBT BANK, N.A.

PrivateCIK: 898413

Location

NORWICH, NY

1212

Positions

$1.51B

Total AUM (reported)

13.66M

Total Shares

Allocation by class

COM$1.51B100.0%

Portfolio Concentration

Top 3$199.24M13.2%

4–10$252.80M16.7%

11–25$250.90M16.6%

Rest$806.78M53.4%

Top 3 weight

13.2%

Top 10 weight

29.9%

Voting Authority Distribution

Total shares with voting rights: 13.66M

Sole

Full voting authority

10.21M

% of voting shares74.7%

Shared

Joint voting authority

31.52K

% of voting shares0.2%

None

No voting authority

3.42M

% of voting shares25.0%

Investment Discretion (by position count)

Sole749

Shared0

Other463

Dominant voting typeSole · 74.7% of voting shares

Institutional Holdings1212

Rows:

Microsoft Corp

SOLE

Com

Shares200.89K

TypeSH

Market value$74.94M

4.96%

Sole

195.40K

Shared

652.00

None

4.84K

Apple Inc

SOLE

Com

Shares255.44K

TypeSH

Market value$73.91M

4.90%

Sole

241.36K

Shared

1.36K

None

12.73K

Alphabet Inc Cl A

SOLE

Com

Shares140.99K

TypeSH

Market value$50.39M

3.34%

Sole

137.02K

Shared

74.00

None

3.90K

Alphabet Inc Cl C

SOLE

Com

Shares138.35K

TypeSH

Market value$48.88M

3.24%

Sole

134.34K

Shared

109.00

None

3.90K

FlexShares Mstar Glbl Upstrm N

SOLE

Com

Shares940.96K

TypeSH

Market value$46.37M

3.07%

Sole

932.18K

Shared

605.00

None

8.17K

JP Morgan Chase & CO

SOLE

Com

Shares121.07K

TypeSH

Market value$39.63M

2.63%

Sole

114.90K

Shared

568.00

None

5.61K

Ishares MSCI EAFE Growth ETF

SOLE

Com

Shares291.40K

TypeSH

Market value$36.26M

2.40%

Sole

287.45K

Shared

285.00

None

3.67K

Caterpillar Inc

SOLE

Com

Shares26K

TypeSH

Market value$27.69M

1.83%

Sole

24.77K

Shared

32.00

None

1.20K

Trane Technologies Plc ADR

SOLE

Com

Shares56K

TypeSH

Market value$27.51M

1.82%

Sole

56K

Shared

0.00

None

0.00

Johnson & Johnson

SOLE

Com

Shares104.18K

TypeSH

Market value$26.46M

1.75%

Sole

96.23K

Shared

140.00

None

7.80K

Amazon.Com Inc

SOLE

Com

Shares96.23K

TypeSH

Market value$22.93M

1.52%

Sole

94.45K

Shared

34.00

None

1.75K

Exxonmobil Corp

SOLE

Com

Shares156.71K

TypeSH

Market value$21.43M

1.42%

Sole

151.59K

Shared

721.00

None

4.40K

Lowes Cos Inc

SOLE

Com

Shares89.63K

TypeSH

Market value$19.76M

1.31%

Sole

88.20K

Shared

233.00

None

1.20K

Deere & CO

SOLE

Com

Shares30.15K

TypeSH

Market value$19.13M

1.27%

Sole

29.16K

Shared

82.00

None

908.00

Cisco Systems Inc

SOLE

Com

Shares152.03K

TypeSH

Market value$17.86M

1.18%

Sole

146K

Shared

625.00

None

5.41K

Vanguard S&P 500 ETF

SOLE

Com

Shares24.85K

TypeSH

Market value$17.07M

1.13%

Sole

24.45K

Shared

0.00

None

394.00

Procter & Gamble CO

SOLE

Com

Shares114.93K

TypeSH

Market value$16.85M

1.12%

Sole

107.28K

Shared

426.00

None

7.22K

Berkshire Hathaway Inc-Cl B

SOLE

Com

Shares33.08K

TypeSH

Market value$16.55M

1.10%

Sole

32.70K

Shared

50.00

None

326.00

McDonalds Corp

SOLE

Com

Shares60.95K

TypeSH

Market value$16.48M

1.09%

Sole

59.72K

Shared

252.00

None

984.00

RTX Corporation

SOLE

Com

Shares81.18K

TypeSH

Market value$15.40M

1.02%

Sole

78.05K

Shared

1.15K

None

1.97K

IShares 0-5 Yr TIPs ETF

SOLE

Com

Shares134.28K

TypeSH

Market value$13.72M

0.91%

Sole

131.60K

Shared

305.00

None

2.37K

Nvidia Corp

SOLE

Com

Shares68.22K

TypeSH

Market value$13.65M

0.90%

Sole

62.70K

Shared

455.00

None

5.07K

Intl. Business Machines Corp

SOLE

Com

Shares48.39K

TypeSH

Market value$13.61M

0.90%

Sole

44.06K

Shared

304.00

None

4.03K

CATERPILLAR INC

DFND

COM

Shares12.44K

TypeSH

Market value$13.24M

0.88%

Sole

0.00

Shared

0.00

None

12.44K

Chevron Corporation

SOLE

Com

Shares79.82K

TypeSH

Market value$13.23M

0.88%

Sole

75.82K

Shared

384.00

None

3.62K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	Shared	None
Microsoft CorpSOLE	Com	200.89K	SH	$74.94M 4.96%	195.40K	652.00	4.84K
Apple IncSOLE	Com	255.44K	SH	$73.91M 4.90%	241.36K	1.36K	12.73K
Alphabet Inc Cl ASOLE	Com	140.99K	SH	$50.39M 3.34%	137.02K	74.00	3.90K
Alphabet Inc Cl CSOLE	Com	138.35K	SH	$48.88M 3.24%	134.34K	109.00	3.90K
FlexShares Mstar Glbl Upstrm NSOLE	Com	940.96K	SH	$46.37M 3.07%	932.18K	605.00	8.17K
JP Morgan Chase & COSOLE	Com	121.07K	SH	$39.63M 2.63%	114.90K	568.00	5.61K
Ishares MSCI EAFE Growth ETFSOLE	Com	291.40K	SH	$36.26M 2.40%	287.45K	285.00	3.67K
Caterpillar IncSOLE	Com	26K	SH	$27.69M 1.83%	24.77K	32.00	1.20K
Trane Technologies Plc ADRSOLE	Com	56K	SH	$27.51M 1.82%	56K	0.00	0.00
Johnson & JohnsonSOLE	Com	104.18K	SH	$26.46M 1.75%	96.23K	140.00	7.80K
Amazon.Com IncSOLE	Com	96.23K	SH	$22.93M 1.52%	94.45K	34.00	1.75K
Exxonmobil CorpSOLE	Com	156.71K	SH	$21.43M 1.42%	151.59K	721.00	4.40K
Lowes Cos IncSOLE	Com	89.63K	SH	$19.76M 1.31%	88.20K	233.00	1.20K
Deere & COSOLE	Com	30.15K	SH	$19.13M 1.27%	29.16K	82.00	908.00
Cisco Systems IncSOLE	Com	152.03K	SH	$17.86M 1.18%	146K	625.00	5.41K
Vanguard S&P 500 ETFSOLE	Com	24.85K	SH	$17.07M 1.13%	24.45K	0.00	394.00
Procter & Gamble COSOLE	Com	114.93K	SH	$16.85M 1.12%	107.28K	426.00	7.22K
Berkshire Hathaway Inc-Cl BSOLE	Com	33.08K	SH	$16.55M 1.10%	32.70K	50.00	326.00
McDonalds CorpSOLE	Com	60.95K	SH	$16.48M 1.09%	59.72K	252.00	984.00
RTX CorporationSOLE	Com	81.18K	SH	$15.40M 1.02%	78.05K	1.15K	1.97K
IShares 0-5 Yr TIPs ETFSOLE	Com	134.28K	SH	$13.72M 0.91%	131.60K	305.00	2.37K
Nvidia CorpSOLE	Com	68.22K	SH	$13.65M 0.90%	62.70K	455.00	5.07K
Intl. Business Machines CorpSOLE	Com	48.39K	SH	$13.61M 0.90%	44.06K	304.00	4.03K
CATERPILLAR INCDFND	COM	12.44K	SH	$13.24M 0.88%	0.00	0.00	12.44K
Chevron CorporationSOLE	Com	79.82K	SH	$13.23M 0.88%	75.82K	384.00	3.62K

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