NBT BANK N A /NY

CIK 0000898413 · Q1 2026

13F Equity AUM

$1.5B

-1.4% QoQ

Positions

992

+197 QoQ

AUM Rank

#2,137

Top 17%

Skill Alpha (FF)

-0.6%/yr^ns

No Clear Edge

Rank #3,181 · Top 39%

vs S&P -4.8%/yr (unadj.)

Quarters Tracked

~13 years

Portfolio Concentration

Top 5: 18.2%Top 10: 28.2%Top 20: 41.0%

MSFT4.9%

AAPL4.5%

GUNR3.4%

GOOGL2.8%

GOOG2.7%

JPM2.4%

EFG2.1%

XOM1.9%

CAT1.9%

JNJ1.7%

Others (982)71.8%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services41.8%

Technology15.0%

Industrials11.3%

Healthcare7.2%

Communication Services7.0%

Consumer Cyclical5.7%

Consumer Defensive5.2%

Energy3.5%

Other3.3%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 992Median: 0.00%Avg: 0.10%

0–0.5%

941(36.9%)

0.5–1%

28(18.9%)

1–3%

20(31.5%)

3–5%

3(12.8%)

5%+

0(0.0%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 961Unique: 31vs 20 funds

13.1%Low

992

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

18%

BANK OF AMERICA CORP /DE/

19.8%

18.6%

26.7%

19.4%

17.7%

VANGUARD CAPITAL MANAGEMENT LLC

16.7%

GEODE CAPITAL MANAGEMENT, LLC

16.4%

VANGUARD PORTFOLIO MANAGEMENT LLC

18.6%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New262Increased364Decreased294Exited25

New Positions

EDV0.8%

+192K

VCLT0.3%

+55K

STUB0.1%

+159K

CR0.0%

+1K

DGRO0.0%

+1K

RACE0.0%

+347

MG10.0%

+2K

HLT0.0%

+68

CB1A0.0%

+23

HIG0.0%

+10

Increased

HCMC0.0%

+500K

ANGL0.4%

+191K(+2632%)

IUSG1.3%

+124K(+74065%)

VCSH0.6%

+110K(+3240%)

AOR0.4%

+102K(+157168%)

VTV1.3%

+95K(+4455%)

AGG0.7%

+95K(+920%)

IXUS0.5%

+79K(+5764%)

Aberdeen Std Physica…0.1%

+53K(+129212%)

VTI1.3%

+52K(+504%)

Decreased

SCHF0.2%

-81,725(-43%)

CPNG0.0%

-26,735(-83%)

SLB0.1%

-7,666(-22%)

DYH0.1%

-7,535(-29%)

EEMV0.1%

-6,665(-23%)

SHY0.5%

-6,060(-7%)

MRSH0.2%

-5,752(-27%)

NYF0.3%

-5,265(-5%)

GQRE0.1%

-4,298(-22%)

NFRA0.5%

-4,055(-3%)

Exited

-6,315

-484

-2,000

-157

-2

-6

-50

-500

-942

QC10

-83

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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