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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
+330.1%
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 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
SPY icon
1
State Street SPDR S&P 500 ETF Trust
SPY
$778B
$39.5M 13.26%
59,341
+427
+0.7% +$274K
AAPL icon
2
Apple
AAPL
$4.89T
$17.4M 5.82%
68,162
+435
+0.6% +$98.3K
NVDA icon
3
NVIDIA
NVDA
$5.01T
$16.8M 5.64%
90,075
-1,326
-1% -$231K
MSFT icon
4
Microsoft
MSFT
$2.84T
$12.7M 4.25%
24,487
-39
-0.2% -$19.9K
AMZN icon
5
Amazon
AMZN
$2.5T
$8.27M 2.77%
37,653
+179
+0.5% +$40.5K
VTHR icon
6
Vanguard Russell 3000 ETF
VTHR
$4.63B
$7.42M 2.49%
25,203
+529
+2% +$150K
JPM icon
7
JPMorgan Chase
JPM
$939B
$6.95M 2.33%
22,036
-134
-0.6% -$39.9K
MDY icon
8
State Street SPDR S&P MIDCAP 400 ETF Trust
MDY
$27B
$6.24M 2.09%
10,468
+88
+0.8% +$51.7K
BRK.B icon
9
Berkshire Hathaway Class B
BRK.B
$1.07T
$5.06M 1.7%
10,066
+91
+0.9% +$44.1K
IWF icon
10
iShares Russell 1000 Growth ETF
IWF
$122B
$5.01M 1.68%
42,744
+2,200
+5% +$245K
META icon
11
Meta Platforms (Facebook)
META
$1.51T
$4.3M 1.44%
5,851
+219
+4% +$163K
PG icon
12
Procter & Gamble
PG
$343B
$4.27M 1.43%
27,803
+69
+0.2% +$10.8K
JNJ icon
13
Johnson & Johnson
JNJ
$635B
$4.14M 1.39%
22,310
-244
-1% -$41.8K
IJR icon
14
iShares Core S&P Small-Cap ETF
IJR
$109B
$4.06M 1.36%
34,169
-412
-1% -$47.4K
HD icon
15
Home Depot
HD
$332B
$3.84M 1.29%
9,481
-64
-0.7% -$25.2K
CAT icon
16
Caterpillar
CAT
$409B
$3.77M 1.26%
7,897
-15
-0.2% -$6.4K
MCD icon
17
McDonald's
MCD
$188B
$3.44M 1.15%
11,329
-4
-0% -$1.22K
AGG icon
18
iShares Core US Aggregate Bond ETF
AGG
$138B
$3.42M 1.15%
34,098
-647
-2% -$64.2K
TIP icon
19
iShares TIPS Bond ETF
TIP
$14.5B
$3.4M 1.14%
30,579
– –
ABBV icon
20
AbbVie
ABBV
$458B
$3.37M 1.13%
14,572
-1,364
-9% -$278K
LLY icon
21
Eli Lilly
LLY
$1.07T
$3.1M 1.04%
4,064
+294
+8% +$219K
VUG icon
22
Vanguard Growth ETF
VUG
$216B
$3.03M 1.02%
37,878
+48
+0.1% +$3.67K
IBDW icon
23
iShares iBonds Dec 2031 Term Corporate ETF
IBDW
$2.48B
$2.85M 0.96%
134,583
+13,590
+11% +$286K
XOM icon
24
ExxonMobil
XOM
$651B
$2.69M 0.9%
23,861
+254
+1% +$28.2K
XLK icon
25
State Street Technology Select Sector SPDR ETF
XLK
$115B
$2.68M 0.9%
19,014
-876
-4% -$116K
1
2 3 4 5

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LFP
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SG
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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 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.