NBT BANK, N.A.

PrivateCIK: 898413

Location

NORWICH, NY

670

Positions

$1.47B

Total AUM (reported)

12.99M

Total Shares

Allocation by class

COM$1.47B100.0%

Portfolio Concentration

Top 3$232.79M15.9%

4–10$244.82M16.7%

11–25$241.48M16.5%

Rest$747.04M51.0%

Top 3 weight

15.9%

Top 10 weight

32.6%

Voting Authority Distribution

Total shares with voting rights: 12.99M

Sole

Full voting authority

9.91M

% of voting shares76.3%

Shared

Joint voting authority

30.45K

% of voting shares0.2%

None

No voting authority

3.05M

% of voting shares23.5%

Investment Discretion (by position count)

Sole309

Shared0

Other361

Dominant voting typeSole · 76.3% of voting shares

Institutional Holdings670

Rows:

Microsoft Corp

SOLE

Com

Shares199.56K

TypeSH

Market value$102.35M

6.98%

Sole

193.90K

Shared

652.00

None

5.01K

Apple Inc

SOLE

Com

Shares248.62K

TypeSH

Market value$82.79M

5.65%

Sole

234.64K

Shared

1.35K

None

12.63K

Northern TR Mrngstar Glbl Upst

SOLE

Com

Shares903.31K

TypeSH

Market value$47.64M

3.25%

Sole

895K

Shared

605.00

None

7.70K

Alphabet Inc Cl C

SOLE

Com

Shares139.34K

TypeSH

Market value$47.48M

3.24%

Sole

135.67K

Shared

109.00

None

3.55K

Alphabet Inc Cl A

SOLE

Com

Shares135.98K

TypeSH

Market value$46.79M

3.19%

Sole

132.22K

Shared

74.00

None

3.69K

JP Morgan Chase & CO

SOLE

Com

Shares117.52K

TypeSH

Market value$38.88M

2.65%

Sole

111.36K

Shared

556.00

None

5.61K

Ishares MSCI EAFE Growth ETF

SOLE

Com

Shares296.19K

TypeSH

Market value$35.49M

2.42%

Sole

292.30K

Shared

280.00

None

3.60K

Johnson & Johnson

SOLE

Com

Shares102.52K

TypeSH

Market value$27.14M

1.85%

Sole

94.54K

Shared

135.00

None

7.85K

Trane Technologies Plc ADR

SOLE

Com

Shares56.30K

TypeSH

Market value$25.44M

1.74%

Sole

56.30K

Shared

0.00

None

0.00

Amazon.Com Inc

SOLE

Com

Shares94.70K

TypeSH

Market value$23.59M

1.61%

Sole

93.27K

Shared

34.00

None

1.40K

Vanguard Short-Term Treasury E

SOLE

Com

Shares345.73K

TypeSH

Market value$19.90M

1.36%

Sole

345.73K

Shared

0.00

None

0.00

Caterpillar Inc

SOLE

Com

Shares24.30K

TypeSH

Market value$19.70M

1.34%

Sole

23.07K

Shared

27.00

None

1.20K

Deere & CO

SOLE

Com

Shares29.02K

TypeSH

Market value$19.49M

1.33%

Sole

28.03K

Shared

82.00

None

908.00

Vanguard S&P 500 ETF

SOLE

Com

Shares24.66K

TypeSH

Market value$17.28M

1.18%

Sole

24.28K

Shared

0.00

None

381.00

Procter & Gamble CO

SOLE

Com

Shares112.58K

TypeSH

Market value$16.36M

1.12%

Sole

105.48K

Shared

416.00

None

6.68K

Lowes Cos Inc

SOLE

Com

Shares87.18K

TypeSH

Market value$16.07M

1.10%

Sole

85.80K

Shared

227.00

None

1.15K

Cisco Systems Inc

SOLE

Com

Shares149.23K

TypeSH

Market value$16.06M

1.10%

Sole

143.23K

Shared

625.00

None

5.37K

Chevron Corporation

SOLE

Com

Shares77.86K

TypeSH

Market value$15.90M

1.08%

Sole

73.85K

Shared

384.00

None

3.62K

Berkshire Hathaway Inc-Cl B

SOLE

Com

Shares31.89K

TypeSH

Market value$15.88M

1.08%

Sole

31.52K

Shared

44.00

None

326.00

Nvidia Corp

SOLE

Com

Shares68.77K

TypeSH

Market value$15.71M

1.07%

Sole

63.62K

Shared

455.00

None

4.70K

RTX Corporation

SOLE

Com

Shares79.84K

TypeSH

Market value$14.82M

1.01%

Sole

77.21K

Shared

1.15K

None

1.47K

Palo Alto Networks

SOLE

Com

Shares34.67K

TypeSH

Market value$13.78M

0.94%

Sole

33.59K

Shared

65.00

None

1.01K

IShares 0-5 Yr TIPs ETF

SOLE

Com

Shares137.42K

TypeSH

Market value$13.70M

0.93%

Sole

134.75K

Shared

305.00

None

2.37K

McDonalds Corp

SOLE

Com

Shares58.76K

TypeSH

Market value$13.57M

0.93%

Sole

57.53K

Shared

248.00

None

984.00

NBT Bancorp Inc

SOLE

Com

Shares264.63K

TypeSH

Market value$13.27M

0.91%

Sole

9.39K

Shared

0.00

None

255.24K

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	Shared	None
Microsoft CorpSOLE	Com	199.56K	SH	$102.35M 6.98%	193.90K	652.00	5.01K
Apple IncSOLE	Com	248.62K	SH	$82.79M 5.65%	234.64K	1.35K	12.63K
Northern TR Mrngstar Glbl UpstSOLE	Com	903.31K	SH	$47.64M 3.25%	895K	605.00	7.70K
Alphabet Inc Cl CSOLE	Com	139.34K	SH	$47.48M 3.24%	135.67K	109.00	3.55K
Alphabet Inc Cl ASOLE	Com	135.98K	SH	$46.79M 3.19%	132.22K	74.00	3.69K
JP Morgan Chase & COSOLE	Com	117.52K	SH	$38.88M 2.65%	111.36K	556.00	5.61K
Ishares MSCI EAFE Growth ETFSOLE	Com	296.19K	SH	$35.49M 2.42%	292.30K	280.00	3.60K
Johnson & JohnsonSOLE	Com	102.52K	SH	$27.14M 1.85%	94.54K	135.00	7.85K
Trane Technologies Plc ADRSOLE	Com	56.30K	SH	$25.44M 1.74%	56.30K	0.00	0.00
Amazon.Com IncSOLE	Com	94.70K	SH	$23.59M 1.61%	93.27K	34.00	1.40K
Vanguard Short-Term Treasury ESOLE	Com	345.73K	SH	$19.90M 1.36%	345.73K	0.00	0.00
Caterpillar IncSOLE	Com	24.30K	SH	$19.70M 1.34%	23.07K	27.00	1.20K
Deere & COSOLE	Com	29.02K	SH	$19.49M 1.33%	28.03K	82.00	908.00
Vanguard S&P 500 ETFSOLE	Com	24.66K	SH	$17.28M 1.18%	24.28K	0.00	381.00
Procter & Gamble COSOLE	Com	112.58K	SH	$16.36M 1.12%	105.48K	416.00	6.68K
Lowes Cos IncSOLE	Com	87.18K	SH	$16.07M 1.10%	85.80K	227.00	1.15K
Cisco Systems IncSOLE	Com	149.23K	SH	$16.06M 1.10%	143.23K	625.00	5.37K
Chevron CorporationSOLE	Com	77.86K	SH	$15.90M 1.08%	73.85K	384.00	3.62K
Berkshire Hathaway Inc-Cl BSOLE	Com	31.89K	SH	$15.88M 1.08%	31.52K	44.00	326.00
Nvidia CorpSOLE	Com	68.77K	SH	$15.71M 1.07%	63.62K	455.00	4.70K
RTX CorporationSOLE	Com	79.84K	SH	$14.82M 1.01%	77.21K	1.15K	1.47K
Palo Alto NetworksSOLE	Com	34.67K	SH	$13.78M 0.94%	33.59K	65.00	1.01K
IShares 0-5 Yr TIPs ETFSOLE	Com	137.42K	SH	$13.70M 0.93%	134.75K	305.00	2.37K
McDonalds CorpSOLE	Com	58.76K	SH	$13.57M 0.93%	57.53K	248.00	984.00
NBT Bancorp IncSOLE	Com	264.63K	SH	$13.27M 0.91%	9.39K	0.00	255.24K

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