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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
IBDY icon
51
iShares iBonds Dec 2033 Term Corporate ETF
IBDY
$1.09B
$1.36M 0.46%
51,765
+9,738
+23% +$253K
SO icon
52
Southern Company
SO
$107B
$1.32M 0.44%
13,968
-188
-1% -$17.6K
NFLX icon
53
Netflix
NFLX
$309B
$1.32M 0.44%
11,040
+1,470
+15% +$179K
SMH icon
54
VanEck Semiconductor ETF
SMH
$73.2B
$1.32M 0.44%
4,052
-14
-0.3% -$4.14K
PSX icon
55
Phillips 66
PSX
$81.4B
$1.28M 0.43%
9,382
-51
-0.5% -$6.53K
ABT icon
56
Abbott
ABT
$187B
$1.22M 0.41%
9,137
+728
+9% +$95.6K
DIS icon
57
Walt Disney
DIS
$181B
$1.2M 0.4%
10,466
-267
-2% -$31.4K
AMD icon
58
Advanced Micro Devices
AMD
$789B
$1.06M 0.35%
6,524
-3
-0% -$484
BMY icon
59
Bristol-Myers Squibb
BMY
$132B
$1.05M 0.35%
23,368
-334
-1% -$15.6K
VZ icon
60
Verizon
VZ
$196B
$1.04M 0.35%
23,659
-802
-3% -$34.7K
ADP icon
61
Automatic Data Processing
ADP
$108B
$1.03M 0.35%
3,522
-2
-0.1% -$602
IBDS icon
62
iShares iBonds Dec 2027 Term Corporate ETF
IBDS
$3.85B
$1.01M 0.34%
41,354
+1,730
+4% +$42K
IWD icon
63
iShares Russell 1000 Value ETF
IWD
$83.7B
$995K 0.33%
4,887
-14
-0.3% -$2.79K
CL icon
64
Colgate-Palmolive
CL
$74.4B
$980K 0.33%
12,258
-423
-3% -$36.1K
GD icon
65
General Dynamics
GD
$106B
$950K 0.32%
2,785
-12
-0.4% -$3.78K
MS icon
66
Morgan Stanley
MS
$340B
$933K 0.31%
5,870
-41
-0.7% -$6.05K
GEV icon
67
GE Vernova
GEV
$264B
$903K 0.3%
1,468
+71
+5% +$43K
C icon
68
Citigroup
C
$226B
$825K 0.28%
8,131
-218
-3% -$20.7K
MET icon
69
MetLife
MET
$62.4B
$819K 0.27%
9,945
-5,581
-36% -$439K
VLO icon
70
Valero Energy
VLO
$85.9B
$815K 0.27%
4,785
-26
-0.5% -$3.88K
XLC icon
71
State Street Communication Services Select Sector SPDR ETF
XLC
$22.4B
$810K 0.27%
6,839
-404
-6% -$44.9K
MRK icon
72
Merck
MRK
$318B
$807K 0.27%
9,610
-218
-2% -$18K
XLF icon
73
State Street Financial Select Sector SPDR ETF
XLF
$58.2B
$798K 0.27%
14,817
-689
-4% -$36.5K
DHR icon
74
Danaher
DHR
$144B
$775K 0.26%
3,909
-142
-4% -$28.3K
GLD icon
75
SPDR Gold Trust
GLD
$141B
$765K 0.26%
2,152
+121
+6% +$38.6K
1 2
3
4 5

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SG
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SC
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SIC
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HGA
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MAM
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PHWM
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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.