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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
+2.46%
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
$304M
AUM Growth
+$5.86M
Cap. Flow
+$674K
Cap. Flow %
0.22%
Top 10 Hldgs %
42.07%
Holding
562
New
54
Increased
64
Reduced
142
Closed
25

Top Buys

Rank Stock Value
1
VTHR icon
Vanguard Russell 3000 ETF
VTHR
+$1.14M
2
VEA icon
Vanguard FTSE Developed Markets ETF
VEA
+$665K
3
IWF icon
iShares Russell 1000 Growth ETF
IWF
+$480K
4
IBDW icon
iShares iBonds Dec 2031 Term Corporate ETF
IBDW
+$439K
5
IBDV icon
iShares iBonds Dec 2030 Term Corporate ETF
IBDV
+$379K

Top Sells

Rank Stock Value
1
EFA icon
iShares MSCI EAFE ETF
EFA
+$572K
2
SPY icon
State Street SPDR S&P 500 ETF Trust
SPY
+$449K
3
TIP icon
iShares TIPS Bond ETF
TIP
+$239K
4
AAPL icon
Apple
AAPL
+$237K
5
SYK icon
Stryker
SYK
+$190K

Sector Composition

Rank Sector Weight
1 Technology 20.77%
2 Healthcare 7.12%
3 Financials 7.12%
4 Consumer Discretionary 6.58%
5 Industrials 5.57%
Name Market Value Portfolio Weight Shares or Principal Change
in Stake 		Capital Flow
CSX icon
101
CSX Corp
CSX
$93.1B
$433K 0.14%
11,953
-304
-2% -$10.9K
MA icon
102
Mastercard
MA
$493B
$413K 0.14%
724
+31
+4% +$17.3K
PM icon
103
Philip Morris
PM
$295B
$393K 0.13%
2,453
-1
-0% -$155
BND icon
104
Vanguard Total Bond Market
BND
$158B
$391K 0.13%
5,275
– –
NOC icon
105
Northrop Grumman
NOC
$81.2B
$382K 0.13%
670
-4
-0.6% -$2.32K
VEU icon
106
Vanguard FTSE All-World ex-US ETF
VEU
$68.5B
$376K 0.12%
5,105
– –
CRM icon
107
Salesforce
CRM
$158B
$371K 0.12%
1,402
+1
+0.1% +$249
AIQ icon
108
Global X Artificial Intelligence & Technology ETF
AIQ
$11B
$359K 0.12%
7,051
+29
+0.4% +$1.47K
AMT icon
109
American Tower
AMT
$80.4B
$349K 0.11%
1,987
-142
-7% -$25.8K
GLW icon
110
Corning
GLW
$143B
$340K 0.11%
3,887
– –
SLV icon
111
iShares Silver Trust
SLV
$30.7B
$336K 0.11%
5,217
-101
-2% -$5.06K
TD icon
112
Toronto Dominion Bank
TD
$200B
$336K 0.11%
3,562
– –
D icon
113
Dominion Energy
D
$59.3B
$331K 0.11%
5,642
– –
FDX icon
114
FedEx
FDX
$75.4B
$329K 0.11%
1,139
– –
IWO icon
115
iShares Russell 2000 Growth ETF
IWO
$15.1B
$327K 0.11%
1,013
– –
IWM icon
116
iShares Russell 2000 ETF
IWM
$83B
$323K 0.11%
1,312
-35
-3% -$8.61K
UNH icon
117
UnitedHealth
UNH
$370B
$313K 0.1%
948
-481
-34% -$163K
PRU icon
118
Prudential Financial
PRU
$41.8B
$303K 0.1%
2,680
-79
-3% -$8.47K
XLI icon
119
State Street Industrial Select Sector SPDR ETF
XLI
$33.7B
$293K 0.1%
1,892
-266
-12% -$40.9K
REGN icon
120
Regeneron Pharmaceuticals
REGN
$80.8B
$293K 0.1%
380
-7
-2% -$4.75K
VIG icon
121
Vanguard Dividend Appreciation ETF
VIG
$114B
$281K 0.09%
1,280
-213
-14% -$46.5K
IWR icon
122
iShares Russell Mid-Cap ETF
IWR
$57.4B
$279K 0.09%
2,899
-123
-4% -$11.8K
ADBE icon
123
Adobe
ADBE
$105B
$275K 0.09%
786
-183
-19% -$62.2K
CMI icon
124
Cummins
CMI
$88.7B
$274K 0.09%
537
-25
-4% -$11.7K
VWO icon
125
Vanguard FTSE Emerging Markets ETF
VWO
$124B
$274K 0.09%
5,099
-31
-0.6% -$1.68K
3 4
5
6 7

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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 Q4 2025 Portfolio in Review

As of Q4 2025, Adirondack Trust Company held 562 positions worth $304M, up 2% from $298M the previous quarter. Its ten largest holdings account for 42% of the portfolio.

Adirondack Trust Company's Q4 2025 filing shows 54 new, 64 increased, 142 reduced and 25 closed positions. Its largest new stake was Franklin New York Municipal Income ETF: 29,772 shares worth $233K. The largest sale was iShares MSCI EAFE ETF, an estimated $572K.

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

  • Adirondack Trust Company's largest Q4 2025 buy was Franklin New York Municipal Income ETF: 29,772 shares worth $233K.
  • Adirondack Trust Company added most to Vanguard Russell 3000 ETF in Q4 2025, an estimated $1.14M increase.
  • Adirondack Trust Company's biggest Q4 2025 reduction was iShares MSCI EAFE ETF, cutting an estimated $572K.
  • Adirondack Trust Company fully exited iShares iBonds Dec 2025 Term Corporate ETF in Q4 2025, selling an estimated $186K.
  • Adirondack Trust Company's ten largest holdings make up 42% of its $304M portfolio in Q4 2025.
  • Adirondack Trust Company opened 54 new positions and closed 25 in Q4 2025.
  • Adirondack Trust Company's portfolio value rose 2% quarter-over-quarter to $304M.

Based on Adirondack Trust Company's 13F filing for Q4 2025, filed 8 Jan 2026.