Q3 2026 13F · SEC CIK 898413

Nbt Bank, N.A.

Bank & trustFiled 2026-10-21 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $1.5B
Reported positions: 568
Top holdings a year, 3 yrs: +17.1%
Average holding period: 10.3 yrs

Nbt Bank, N.A. is a bank & trust that reported 568 positions worth $1.5B in its Q3 2026 13F, filed 2026-10-21. Its largest holdings were Microsoft Corp (MSFT, 7.0%), Apple Inc (AAPL, 5.7%), Northern Trust Global Natural (GUNR, 3.3%). A portfolio copying its top holdings returned 17.1% a year over the last 3 years, against 20.4% for the S&P 500.

Nbt Bank, N.A. holdings largest 50 of 568 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Nbt Bank, N.A. 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
MSFTMicrosoft Corp	7.0%	5.0%	200,179	-0.7%	$102.7M
AAPLApple Inc	5.7%	4.9%	249,682	-2.7%	$83.1M
GUNRNorthern Trust Global Natural	3.3%	3.1%	903,403	-4.0%	$47.6M
GOOGAlphabet Inc	3.2%	3.2%	139,510	+0.7%	$47.5M
GOOGLAlphabet Inc	3.2%	3.4%	136,653	-3.5%	$47.0M
JPMJpmorgan Chase & Co	2.7%	2.7%	119,140	-3.0%	$39.4M
EFGIshares Tr	2.4%	2.4%	296,711	+1.6%	$35.6M
CATCaterpillar Inc	2.0%	2.7%	36,727	-4.5%	$29.8M
JNJJohnson & Johnson	1.9%	1.8%	102,588	-1.6%	$27.2M
TTTrane Technologies PLC	1.7%	1.8%	56,296	+0.5%	$25.4M
AMZNAmazon Com Inc	1.6%	1.5%	94,699	-1.6%	$23.6M
VGSHVanguard Scottsdale Fds	1.4%	—	345,733	—	$19.9M
DEDeere & Co	1.3%	1.3%	29,030	-3.8%	$19.5M
VOOVanguard Index Fds	1.2%	1.2%	25,452	-0.7%	$17.8M
PGProcter & Gamble Co	1.1%	1.1%	113,155	-2.3%	$16.4M
LOWLowes Cos Inc	1.1%	1.3%	87,711	-2.7%	$16.2M
CSCOCisco Sys Inc	1.1%	1.2%	149,255	-1.8%	$16.1M
BRK-BBerkshire Hathaway Inc Del	1.1%	1.1%	31,988	-3.6%	$15.9M
CVXChevron Corporation	1.1%	0.9%	77,896	-2.5%	$15.9M
NVDANvidia Corporation	1.1%	0.9%	69,192	+0.8%	$15.8M
RTXRtx Corporation	1.0%	1.0%	80,525	-1.6%	$14.9M
PANWPalo Alto Networks Inc	0.9%	0.8%	34,671	-1.5%	$13.8M
STIPIshares Tr	0.9%	0.9%	137,468	+2.3%	$13.7M
MCDMcdonalds Corp	0.9%	1.1%	58,761	-3.6%	$13.6M
NBTBNbt Bancorp Inc	0.9%	0.9%	265,692	+1.6%	$13.3M
ABBVAbbvie Inc	0.9%	0.8%	49,252	-1.4%	$12.9M
WMTWalmart Inc	0.9%	0.9%	121,922	+0.2%	$12.7M
LLYEli Lilly & Co	0.9%	0.8%	10,945	+8.1%	$12.7M
MRKMerck & Co Inc	0.9%	0.7%	86,836	-0.9%	$12.6M
IGSBIshares Tr	0.8%	0.8%	237,962	-1.5%	$12.2M
COSTCostco Wholesale Corporation	0.8%	0.9%	13,112	-4.8%	$11.9M
SDYSpdr Ser Tr	0.8%	0.8%	81,028	-0.1%	$11.9M
IBMInternational Business Machs	0.8%	0.9%	50,389	+0.0%	$11.1M
UNPUnion Pac Corp	0.7%	0.7%	35,568	-1.5%	$9.7M
MDYState Str Spdr S&p Midcap 40	0.7%	0.7%	14,718	-0.6%	$9.7M
SPYState Str Spdr S&p 500 ETF T	0.7%	0.7%	12,649	-3.8%	$9.6M
ABTAbbott Laboratories	0.6%	0.6%	91,671	-4.6%	$9.1M
IWMIshares Tr	0.6%	0.7%	32,601	-0.2%	$9.1M
TJXTjx Cos Inc New	0.6%	0.7%	67,625	+0.4%	$8.9M
IEFAIshares Tr	0.6%	0.6%	92,085	-0.4%	$8.9M
GSGoldman Sachs Group Inc	0.6%	0.7%	9,849	+0.2%	$8.9M
SCHDSchwab Strategic Tr	0.6%	0.6%	269,733	-1.1%	$8.8M
GWWWw Grainger Inc	0.6%	0.6%	7,017	-1.1%	$8.7M
DHRDanaher Corp Del	0.6%	0.5%	38,634	-4.2%	$8.6M
PEPPepsico Inc	0.6%	0.6%	66,480	-3.3%	$8.4M
ADPAutomatic Data Processing in	0.6%	0.5%	32,415	-5.1%	$8.4M
EFAIshares Tr	0.5%	0.5%	75,434	-3.0%	$7.8M
BMOBank of Montreal	0.5%	0.5%	45,418	-1.4%	$7.6M
KOCoca Cola Co	0.5%	—	86,503	—	$7.4M
SPGIS&p Global Inc	0.5%	0.5%	17,754	+0.0%	$7.0M

What Nbt Bank, N.A. bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +22.7% /yr; S&P 500 +20.1%
3 years: +17.1% /yr; S&P 500 +20.4%
5 years: +10.4% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$1.5B	568
Q2 2026	$1.5B	1,062
Q1 2026	$1.5B	1,058
Q4 2025	$1.5B	821
Q3 2025	$1.5B	813
Q2 2025	$1.5B	802
Q1 2025	$1.4B	813
Q4 2024	$1.4B	783
Q3 2024	$1.5B	833
Q2 2024	$1.4B	593
Q1 2024	$1.4B	598
Q4 2023	$1.3B	599

Questions about Nbt Bank, N.A.'s portfolio

What stocks does Nbt Bank, N.A. own?

Nbt Bank, N.A.'s latest 13F, for Q3 2026 and filed Oct 21, 2026, lists 568 positions worth $1.5B. The largest are Microsoft Corp (MSFT) at 7.0%, Apple Inc (AAPL) at 5.7%, Northern Trust Global Natural (GUNR) at 3.3%, Alphabet Inc (GOOG) at 3.2% and Alphabet Inc (GOOGL) at 3.2%.

What did Nbt Bank, N.A. buy last quarter?

In Q3 2026, Nbt Bank, N.A. added Eli Lilly & Co (LLY) (+8.1% shares), compared with its Q2 2026 filing.

What did Nbt Bank, N.A. sell last quarter?

In Q3 2026, Nbt Bank, N.A. cut from its top 50 Exxon Mobil Corp (XOM), cut from its top 50 Vanguard World Fd (EDV) and Automatic Data Processing in (ADP) (-5.1% shares), compared with its Q2 2026 filing.

How has Nbt Bank, N.A.'s portfolio performed?

A portfolio copying Nbt Bank, N.A.'s 20 largest 13F holdings each quarter, from the day each filing was public, returned +17.1% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +22.7% against +20.1%. Over 5 years: +10.4% a year against +11.6%.

When is Nbt Bank, N.A.'s next 13F filing due?

13F filings are due 45 days after each quarter ends. Nbt Bank, N.A.'s filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.