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ATC

Adirondack Trust Company Portfolio holdings

AUM $336M
1-Year Est. Return 29.2%
This Fund
S&P 500
This Quarter Est. Return
+7.88%
1 Year Est. Return
+29.2%
3 Year Est. Return
+84.89%
5 Year Est. Return
+110.19%
10 Year Est. Return
+358.4%
AUM
$298M
AUM Growth
+$22.7M
Cap. Flow
+$3.15M
Cap. Flow %
1.06%
Top 10 Hldgs %
42.03%
Holding
521
New
41
Increased
71
Reduced
129
Closed
13

Top Buys

Rank Stock Value
1
VTI icon
Vanguard Morningstar Total Stock Market ETF
VTI
+$598K
2
IBCA
iShares iBonds Dec 2035 Term Corporate ETF
IBCA
+$383K
3
VEU icon
Vanguard FTSE All-World ex-US ETF
VEU
+$352K
4
IBDW icon
iShares iBonds Dec 2031 Term Corporate ETF
IBDW
+$286K
5
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$274K

Top Sells

Rank Stock Value
1
MET icon
MetLife
MET
+$439K
2
CSX icon
CSX Corp
CSX
+$315K
3
ABBV icon
AbbVie
ABBV
+$278K
4
LMT icon
Lockheed Martin
LMT
+$269K
5
HON icon
Honeywell
HON
+$257K

Sector Composition

Rank Sector Weight
1 Technology 21.12%
2 Financials 7.25%
3 Consumer Discretionary 6.82%
4 Healthcare 6.76%
5 Industrials 5.52%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
SCL icon
276
Stepan Co
SCL
$1.48B
$38.2K 0.01%
800
– –
CARG icon
277
CarGurus
CARG
$3.47B
$37.2K 0.01%
1,000
– –
KR icon
278
Kroger
KR
$34.8B
$37.2K 0.01%
552
-1
-0.2% -$70
BN icon
279
Brookfield
BN
$108B
$37K 0.01%
+810
New +$35.9K
SU icon
280
Suncor Energy
SU
$70.3B
$36.2K 0.01%
866
-30
-3% -$1.2K
BP icon
281
BP
BP
$107B
$36K 0.01%
1,044
– –
DRIV icon
282
Global X Autonomous & Electric Vehicles ETF
DRIV
$440M
$35.6K 0.01%
1,260
– –
PGR icon
283
Progressive
PGR
$125B
$35.3K 0.01%
+143
New +$35.3K
EFG icon
284
iShares MSCI EAFE Growth ETF
EFG
$17.3B
$35.2K 0.01%
309
– –
MELI icon
285
Mercado Libre
MELI
$92.3B
$35.1K 0.01%
15
– –
HUBG icon
286
HUB Group
HUBG
$2.92B
$34.4K 0.01%
1,000
– –
AZO icon
287
AutoZone
AZO
$51.1B
$34.3K 0.01%
+8
New +$32.1K
OXY icon
288
Occidental Petroleum
OXY
$55.9B
$34.1K 0.01%
722
+340
+89% +$15.4K
VMC icon
289
Vulcan Materials
VMC
$36.9B
$33.8K 0.01%
+110
New +$31.2K
XLY icon
290
State Street Consumer Discretionary Select Sector SPDR ETF
XLY
$23.2B
$33.5K 0.01%
280
– –
PPA icon
291
Invesco Aerospace & Defense ETF
PPA
$8.7B
$33.4K 0.01%
215
-20
-9% -$2.94K
RGEN icon
292
Repligen
RGEN
$9.25B
$33.4K 0.01%
250
– –
PNR icon
293
Pentair
PNR
$11B
$33.2K 0.01%
300
– –
NAN icon
294
Nuveen New York Quality Municipal Income Fund
NAN
$373M
$33.1K 0.01%
2,900
– –
FNDF icon
295
Schwab Fundamental International Large Company Index ETF
FNDF
$25.5B
$32.5K 0.01%
757
+396
+110% +$16.5K
SAP icon
296
SAP
SAP
$238B
$31.5K 0.01%
118
-3
-2% -$844
TMO icon
297
Thermo Fisher Scientific
TMO
$220B
$31.5K 0.01%
65
– –
XEL icon
298
Xcel Energy
XEL
$48.8B
$30.9K 0.01%
383
-48
-11% -$3.47K
SCHA icon
299
Schwab U.S Small- Cap ETF
SCHA
$23.1B
$30.7K 0.01%
1,099
+575
+110% +$15.4K
ED icon
300
Consolidated Edison
ED
$39.9B
$30.6K 0.01%
304
– –
10 11
12
13 14

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PCM
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SG
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SC
Schiavi & Co Wilmington, Delaware $337M AUM 16.69% 1-Year Est. Return
SIC
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HGA
Hobbs Group Advisors Columbia, South Carolina $334M AUM 18.64% 1-Year Est. Return
MAM
Montanaro Asset Management London, United Kingdom $334M AUM 12.52% 1-Year Est. Return
PHWM
Pine Harbor Wealth Management Silver Spring, Maryland $334M AUM 14.59% 1-Year Est. Return

Adirondack Trust Company's Q3 2025 Portfolio in Review

As of Q3 2025, Adirondack Trust Company held 521 positions worth $298M, up 8.3% from $275M the previous quarter. Its ten largest holdings account for 42% of the portfolio.

Adirondack Trust Company's Q3 2025 filing shows 41 new, 71 increased, 129 reduced and 13 closed positions. Its largest new stake was Vanguard FTSE All-World ex-US ETF: 5,105 shares worth $364K. The largest sale was MetLife, an estimated $439K.

By sector, the portfolio is most concentrated in Technology at 21% of assets, up from 20% a quarter earlier, followed by Financials and Consumer Discretionary.

  • Adirondack Trust Company's largest Q3 2025 buy was Vanguard FTSE All-World ex-US ETF: 5,105 shares worth $364K.
  • Adirondack Trust Company added most to Vanguard Morningstar Total Stock Market ETF in Q3 2025, an estimated $598K increase.
  • Adirondack Trust Company's biggest Q3 2025 reduction was MetLife, cutting an estimated $439K.
  • Adirondack Trust Company fully exited State Street SPDR Nuveen ICE Municipal Bond ETF in Q3 2025, selling an estimated $67K.
  • Adirondack Trust Company's ten largest holdings make up 42% of its $298M portfolio in Q3 2025.
  • Adirondack Trust Company opened 41 new positions and closed 13 in Q3 2025.
  • Adirondack Trust Company's portfolio value rose 8.3% quarter-over-quarter to $298M.

Based on Adirondack Trust Company's 13F filing for Q3 2025, filed 20 Oct 2025.