NBT BANK, N.A. 13F Holdings

Disclosed positions

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Microsoft Corp	MSFT	Com	$74,936,734	200,892	SH	None
Apple Inc	AAPL	Com	$73,914,508	255,441	SH	None
Alphabet Inc Cl A	GOOGL	Com	$50,385,639	140,990	SH	None
Alphabet Inc Cl C	GOOG	Com	$48,883,511	138,351	SH	None
FlexShares Mstar Glbl Upstrm N	GUNR	Com	$46,370,312	940,956	SH	None
JP Morgan Chase & CO	JPM	Com	$39,630,841	121,073	SH	None
Ishares MSCI EAFE Growth ETF	EFG	Com	$36,255,864	291,399	SH	None
Caterpillar Inc	CAT	Com	$27,690,595	26,003	SH	None
Trane Technologies Plc ADR	TT	Com	$27,505,451	56,001	SH	None
Johnson & Johnson	JNJ	Com	$26,458,594	104,180	SH	None
Amazon.Com Inc	AMZN	Com	$22,934,981	96,228	SH	None
Exxonmobil Corp	XOM	Com	$21,425,255	156,709	SH	None
Lowes Cos Inc	LOW	Com	$19,762,298	89,629	SH	None
Deere & CO	DE	Com	$19,125,594	30,151	SH	None
Cisco Systems Inc	CSCO	Com	$17,857,004	152,026	SH	None
Vanguard S&P 500 ETF	VOO	Com	$17,065,168	24,847	SH	None
Procter & Gamble CO	PG	Com	$16,853,336	114,930	SH	None
Berkshire Hathaway Inc-Cl B	BRK.B	Com	$16,551,900	33,078	SH	None
McDonalds Corp	MCD	Com	$16,476,476	60,954	SH	None
RTX Corporation	RTX	Com	$15,401,522	81,176	SH	None
IShares 0-5 Yr TIPs ETF	STIP	Com	$13,718,045	134,280	SH	None
Nvidia Corp	NVDA	Com	$13,651,037	68,224	SH	None
Intl. Business Machines Corp	IBM	Com	$13,608,015	48,391	SH	None
CATERPILLAR INC	CAT	COM	$13,241,518	12,435	SH	None
Chevron Corporation	CVX	Com	$13,231,655	79,824	SH	None
Costco Wholesale Corp	COST	Com	$12,888,906	13,778	SH	None
Wal Mart Inc	WMT	Com	$12,784,449	112,877	SH	None
iShares TR 1-5 Yr Inv Gr Corp	IGSB	Com	$12,645,642	241,283	SH	None
NBT Bancorp Inc	NBTB	Com	$12,547,510	254,152	SH	None
Abbvie Inc	ABBV	Com	$12,541,737	49,840	SH	None
State Street SPDR S&P Dividend	SDY	Com	$12,345,146	81,122	SH	None
Palo Alto Networks	PANW	Com	$12,005,268	35,204	SH	None
Lilly Eli & CO	LLY	Com	$11,931,930	9,948	SH	None
Merck & CO Inc	MRK	Com	$11,235,783	87,438	SH	None
State Street SPDR S&P MIDCAP 4	MDY	Com	$10,415,982	14,809	SH	None
TJX Cos Inc	TJX	Com	$10,207,465	67,376	SH	None
Goldman Sachs Group Inc	GS	Com	$9,938,733	9,827	SH	None
Union Pac Corp	UNP	Com	$9,818,656	36,098	SH	None
State Street SPDR S&P 500 ETF	SPY	Com	$9,816,366	13,145	SH	None
Ishares Russell 2000 ETF	IWM	Com	$9,815,753	32,671	SH	None
Grainger W W Inc	GWW	Com	$9,652,038	7,095	SH	None
Pepsico Inc	PEP	Com	$9,212,752	68,041	SH	None
Ishares Core Msci Eafe ETF	IEFA	Com	$8,929,014	92,452	SH	None
Abbott Labs	ABT	Com	$8,703,055	95,912	SH	None
Schwab US Dividend Equity ETF	SCHD	Com	$8,639,136	272,442	SH	None
Vanguard Extended Duration Tre	EDV	Com	$8,243,684	126,670	SH	None
Ishares Msci Eafe ETF	EFA	Com	$8,081,778	77,799	SH	None
Bank Montreal Quebec	BMO	COM	$8,025,361	45,418	SH	None
Danaher Corp	DHR	Com	$7,678,439	40,311	SH	None
Automatic Data Processing Inc	ADP	Com	$7,653,043	34,173	SH	None

Largest 50 positions by reported value; the filing may contain more positions.

How amendments affect these holdings

This view uses 1 effective filing version(s). A restatement replaces the previous book; a new-holdings amendment adds positions. 120 positions lack a resolved ticker and 0 positions are put or call entries.

A 13F is a delayed quarterly snapshot of disclosed holdings. It is not a complete trade ledger and does not reveal every position in a manager's portfolio. Option values refer to the reported underlying position rather than a traded option premium.

Quarter end and public filing date

Use the filing's public availability date when constructing a historical observation. The quarter-end report period is earlier and cannot be substituted for when the public learned the holdings.