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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
VTI icon
26
Vanguard Morningstar Total Stock Market ETF
VTI
$683B
$2.64M 0.88%
8,034
+1,892
+31% +$598K
PEP icon
27
PepsiCo
PEP
$188B
$2.61M 0.88%
18,576
-587
-3% -$83.8K
IBDU icon
28
iShares iBonds Dec 2029 Term Corporate ETF
IBDU
$4.05B
$2.6M 0.87%
110,776
+11,672
+12% +$273K
IBDV icon
29
iShares iBonds Dec 2030 Term Corporate ETF
IBDV
$3.28B
$2.56M 0.86%
115,681
+10,318
+10% +$227K
WMT icon
30
Walmart Inc
WMT
$884B
$2.51M 0.84%
24,361
-106
-0.4% -$10.6K
CVX icon
31
Chevron
CVX
$365B
$2.49M 0.83%
16,025
-72
-0.4% -$11.2K
IBDT icon
32
iShares iBonds Dec 2028 Term Corporate ETF
IBDT
$4.06B
$2.45M 0.82%
96,191
+4,487
+5% +$114K
IBM icon
33
IBM
IBM
$220B
$2.38M 0.8%
8,424
-2
-0% -$524
LMT icon
34
Lockheed Martin
LMT
$134B
$2.36M 0.79%
4,723
-592
-11% -$269K
ORCL icon
35
Oracle
ORCL
$417B
$2.3M 0.77%
8,170
-9
-0.1% -$2.29K
TSLA icon
36
Tesla
TSLA
$1.29T
$2.22M 0.74%
4,984
-101
-2% -$35K
CSCO icon
37
Cisco
CSCO
$482B
$2.17M 0.73%
31,765
-254
-0.8% -$17.3K
WM icon
38
Waste Management
WM
$91.4B
$2.12M 0.71%
9,610
-27
-0.3% -$6.08K
KO icon
39
Coca-Cola
KO
$373B
$1.98M 0.66%
29,884
-247
-0.8% -$17K
NEE icon
40
NextEra Energy
NEE
$175B
$1.89M 0.63%
24,985
-329
-1% -$24K
OEF icon
41
iShares S&P 100 ETF
OEF
$20.5B
$1.85M 0.62%
5,545
– –
VO icon
42
Vanguard Morningstar Mid-Cap ETF
VO
$109B
$1.77M 0.59%
24,152
– –
AMAT icon
43
Applied Materials
AMAT
$432B
$1.69M 0.57%
8,238
+19
+0.2% +$3.45K
V icon
44
Visa
V
$683B
$1.66M 0.56%
4,856
-21
-0.4% -$7.27K
IBDX icon
45
iShares iBonds Dec 2032 Term Corporate ETF
IBDX
$1.72B
$1.65M 0.55%
64,428
+9,171
+17% +$233K
QCOM icon
46
Qualcomm
QCOM
$173B
$1.58M 0.53%
9,524
-80
-0.8% -$12.7K
BLK icon
47
Blackrock
BLK
$176B
$1.54M 0.52%
1,323
-4
-0.3% -$4.47K
EFA icon
48
iShares MSCI EAFE ETF
EFA
$80.3B
$1.51M 0.51%
16,169
+1,252
+8% +$114K
SYK icon
49
Stryker
SYK
$129B
$1.51M 0.51%
4,073
+47
+1% +$18.2K
COST icon
50
Costco
COST
$417B
$1.4M 0.47%
1,513
+1
+0.1% +$959
1
2
3 4 5

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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
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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.