1y return+16.0%S&P 500 +20.9%
3y return+43.5%S&P 500 +68.5%
5y return+45.4%S&P 500 +74.5%
10y return+148.6%S&P 500 +256.5%
These returns are for its stock picks as disclosed on Form 13F: last quarter's holdings, valued at this quarter's prices. They miss trades within each quarter, short positions, options, bonds, cash and fees, so they aren't the returns its clients got.
$100 invested in its stock picks
Since June 30, 2016: $249 against $357 in the S&P 500.2
Nbt Bank, N.A.S&P 500 (SPY)
Top holdings
At the end of June 30, 2026. Change is in shares since the quarter before.2
| Stock | Value | Share of portfolio | Change |
|---|---|---|---|
| MSFTMicrosoft Corp | $75.2M | 5.0% | |
| AAPLApple Inc | $74.2M | 4.9% | −5.3% |
| GOOGLAlphabet Inc Cl A | $50.6M | 3.4% | −3.2% |
| GOOGAlphabet Inc Cl C | $48.9M | 3.2% | −4.3% |
| GUNRFlexshares Morningstar Global Upstream Natural Resources Index Fund | $46.4M | 3.1% | +1.5% |
| CATCaterpillar Inc | $40.9M | 2.7% | −4.1% |
| JPMJ P Morgan Chase & Co | $40.2M | 2.7% | −1.8% |
| EFGIshares MSCI EAFE Growth ETF | $36.3M | 2.4% | |
| Trane Technologies Plc ADRCUSIP G8994E103 | $27.5M | 1.8% | |
| JNJJohnson & Johnson | $26.5M | 1.8% | −3.5% |
| AMZNAmazon.Com Inc | $22.9M | 1.5% | −2.3% |
| Exxon Mobil CorpCUSIP 30231G102 | $21.5M | 1.4% | −6.5% |
| LOWLowes Companies Inc | $19.9M | 1.3% | |
| DEDeere & Co | $19.1M | 1.3% | |
| CSCOCisco Systems Inc | $17.9M | 1.2% | |
| VOOVanguard S&p 500 Etf | $17.6M | 1.2% | +65.5% |
| PGProcter & Gamble Co | $17.0M | 1.1% | −4.3% |
| BRK/BBerkshire Hathaway Cl B | $16.6M | 1.1% | −10.1% |
| MCDMcDonalds Corp | $16.5M | 1.1% | −1.2% |
| RTXRaytheon Technologies Co | $15.5M | 1.0% | −2.8% |
| IBMIbm Corp | $14.2M | 0.9% | −6.9% |
| WMTWal Mart Inc | $13.8M | 0.9% | −4.5% |
| NVDANvidia Corp | $13.7M | 0.9% | −3.8% |
| STIPIshares 0-5 Year Tips Bond Etf | $13.7M | 0.9% | +2.9% |
| CVXChevron Corporation | $13.2M | 0.9% | −2.8% |
Best picks still held
How each current holding has done since the quarter it first appeared in its filings (up to six years back).
| Stock | Held since | Return since | Now worth |
|---|---|---|---|
| NVDANvidia Corp | June 30, 2020 | +2006.7% | $13.7M |
| CATCaterpillar Inc | June 30, 2020 | +741.8% | $40.9M |
| LLYLilly Eli & CO | June 30, 2020 | +630.6% | $12.1M |
| GSGoldman Sachs Group Inc | June 30, 2020 | +411.8% | $9.9M |
| GOOGLAlphabet Inc Cl A | June 30, 2020 | +404.0% | $50.6M |
| GOOGAlphabet Inc Cl C | June 30, 2020 | +399.9% | $48.9M |
| GWWGrainger W W Inc | June 30, 2020 | +333.0% | $9.7M |
| PANWPalo Alto Networks | September 30, 2021 | +327.2% | $12.0M |
| DEDeere & Co | June 30, 2020 | +303.7% | $19.1M |
| JPMJ P Morgan Chase & Co | June 30, 2020 | +248.0% | $40.2M |
Sold off last quarter
- Honeywell Intl IncCUSIP 438516106 was $6.3M
- Aberdeen Std Physical Swiss GoldCUSIP 26922Y105 was $2.4M
- Dupont De Nemours IncCUSIP 26614N102 was $934K
- ROPRoper Technologies Inc was $490K
- FIWFirst Trust ISE Water Index Fd was $391K
- VTHRVanguard Russell 3000 was $336K
- Lam Research CorporationCUSIP 512807108 was $278K
- SEICS E I Investments Co was $242K
- BLDRBuilders Firstsource was $165K
- MGKVanguard Mega Cap Growth ETF was $162K
Quarter by quarter
| Quarter | Its picks | S&P 500 |
|---|---|---|
| June 30, 2026 | +8.2% | +14.8% |
| March 31, 2026 | −1.3% | −4.6% |
| December 31, 2025 | +2.1% | +2.4% |
| September 30, 2025 | +6.5% | +7.8% |
| June 30, 2025 | +6.2% | +10.5% |
| March 31, 2025 | −1.4% | −4.6% |
| December 31, 2024 | −1.9% | +2.1% |
| September 30, 2024 | +6.5% | +5.4% |
| June 30, 2024 | +1.2% | +4.0% |
| March 31, 2024 | +7.0% | +10.0% |
| December 31, 2023 | +8.7% | +11.2% |
| September 30, 2023 | −3.9% | −3.6% |
| June 30, 2023 | +3.3% | +8.3% |
| March 31, 2023 | +2.3% | +7.0% |
| December 31, 2022 | +11.3% | +7.1% |
| September 30, 2022 | −6.0% | −5.3% |
| June 30, 2022 | −12.8% | −16.5% |
| March 31, 2022 | −2.7% | −4.9% |
| December 31, 2021 | +9.0% | +10.7% |
| September 30, 2021 | −0.9% | +0.3% |
Sources
Every number on this page points here. Each one links to the public record.
- 1SEC EDGAR: Nbt Bank, N.A. Form 13F filingshttps://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=898413&type=13F-HR&dateb=&owner=include&count=40CIK 898413
- 2SEC: 13F for the quarter ended June 30, 2026https://www.sec.gov/Archives/edgar/data/898413/000114036126029985/Filed July 29, 2026 · accession 0001140361-26-029985