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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
IBDR icon
76
iShares iBonds Dec 2026 Term Corporate ETF
IBDR
$3.4B
$757K 0.25%
31,162
+1,402
+5% +$34K
AMGN icon
77
Amgen
AMGN
$222B
$745K 0.25%
2,641
-233
-8% -$67.6K
PFE icon
78
Pfizer
PFE
$153B
$738K 0.25%
28,978
-4,165
-13% -$103K
IJH icon
79
iShares Core S&P Mid-Cap ETF
IJH
$127B
$706K 0.24%
10,823
-192
-2% -$12.3K
INTC icon
80
Intel
INTC
$513B
$693K 0.23%
20,664
-387
-2% -$9.38K
ACN icon
81
Accenture
ACN
$108B
$690K 0.23%
2,800
– –
LOW icon
82
Lowe's Companies
LOW
$125B
$678K 0.23%
2,699
-70
-3% -$17.2K
AXP icon
83
American Express
AXP
$230B
$677K 0.23%
2,037
-97
-5% -$30.9K
BAC icon
84
Bank of America
BAC
$442B
$671K 0.22%
13,000
+360
+3% +$17.6K
FTEC icon
85
Fidelity MSCI Information Technology Index ETF
FTEC
$21.3B
$662K 0.22%
2,980
– –
T icon
86
AT&T
T
$163B
$656K 0.22%
23,230
+644
+3% +$18.3K
XLE icon
87
State Street Energy Select Sector SPDR ETF
XLE
$37.7B
$642K 0.22%
14,380
-444
-3% -$19.4K
WMB icon
88
Williams Companies
WMB
$86.1B
$624K 0.21%
9,849
-183
-2% -$10.7K
DUK icon
89
Duke Energy
DUK
$97.3B
$616K 0.21%
4,977
+914
+22% +$111K
EMR icon
90
Emerson Electric
EMR
$88.3B
$616K 0.21%
4,694
+500
+12% +$68.2K
DE icon
91
Deere & Co
DE
$168B
$612K 0.21%
1,339
– –
BBUS icon
92
JPMorgan BetaBuilders US Equity ETF
BBUS
$9.21B
$557K 0.19%
4,615
+1,680
+57% +$195K
IBCA
93
iShares iBonds Dec 2035 Term Corporate ETF
IBCA
$373M
$530K 0.18%
20,372
+14,920
+274% +$383K
HON icon
94
Honeywell
HON
$78B
$512K 0.17%
2,582
-1,231
-32% -$257K
VEA icon
95
Vanguard FTSE Developed Markets ETF
VEA
$236B
$503K 0.17%
8,398
– –
XLV icon
96
State Street Health Care Select Sector SPDR ETF
XLV
$42.7B
$500K 0.17%
3,590
-457
-11% -$61.8K
VB icon
97
Vanguard Morningstar Small-Cap ETF
VB
$82.4B
$495K 0.17%
1,946
+736
+61% +$183K
UNH icon
98
UnitedHealth
UNH
$370B
$493K 0.17%
1,429
-697
-33% -$211K
MMM icon
99
3M
MMM
$94.3B
$464K 0.16%
2,988
-63
-2% -$9.71K
CSX icon
100
CSX Corp
CSX
$93.1B
$435K 0.15%
12,257
-9,229
-43% -$315K
2 3
4
5 6

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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.