Adirondack Trust Co.
In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 17, 2025), Adirondack Trust Co. reported 483 stock positions worth $261.9 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 12.5% of the portfolio, followed by Apple (AAPL, 6.8%) and Nvidia (NVDA, 4.4%). Compared with Q3 2024, it opened 12 new positions, sold out of 19, added to 61 and reduced 112. The biggest buy was Vanguard Russell 3000 (VTHR, shares +28%) and the biggest sale Lockheed Martin (LMT, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- SARATOGA SPRINGS, NY
- CIK
- 0001054257
- Portfolio Value
- $261.9M (Q4 2024)
- SEC Filing
- 0001054257-25-000001 ↗ filed Jan 17, 2025
Holdings Value
Holdings 483 stocks · $261.9M
| SPY SS SPDR S&P 500 ETF Trust-US | 12.50% | 55,858 | $32.7M | Add +1.6% |
| AAPL Apple Inc. | 6.80% | 71,103 | $17.8M | Reduce -1.8% |
| NVDA Nvidia Corp. | 4.40% | 85,778 | $11.5M | Reduce -4.9% |
| MSFT Microsoft Corp. | 3.92% | 24,335 | $10.3M | Reduce -0.6% |
| AMZN Amazon.com Inc. | 3.08% | 36,730 | $8.1M | Reduce -0.6% |
| MDY State Street SPDR S&P Midcap | 2.35% | 10,817 | $6.2M | Add +0.4% |
| JPM JPMorgan Chase & Co. | 2.05% | 22,398 | $5.4M | Reduce -1.4% |
| PG The Procter & Gamble Co. | 1.89% | 29,500 | $4.9M | Reduce -1.3% |
| VTHR Vanguard Russell 3000 | 1.81% | 18,286 | $4.7M | Add +27.9% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.58% | 9,119 | $4.1M | Reduce -0.4% |
| IJR iShares Core S&P Small-Cap E | 1.58% | 35,823 | $4.1M | Reduce -0.7% |
| TIP iShares Tips Bond ETF | 1.48% | 36,419 | $3.9M | Reduce -4.3% |
| HD Home Depot Inc. | 1.48% | 9,963 | $3.9M | Reduce -0.1% |
| LLY Eli Lilly & Co. | 1.36% | 4,624 | $3.6M | Reduce -1.2% |
| IWF iShares Russell 1000 Growth | 1.33% | 8,652 | $3.5M | Add +10.5% |
| JNJ Johnson & Johnson | 1.32% | 23,862 | $3.5M | Reduce -3.8% |
| MCD McDonald's Corp. | 1.31% | 11,866 | $3.4M | Reduce -1.6% |
| PEP Pepsico Inc. | 1.20% | 20,711 | $3.1M | Reduce -2.8% |
| AGG iShares Core U.S. Aggregate | 1.17% | 31,682 | $3.1M | Reduce -5.8% |
| META Meta Platforms Inc. Class A | 1.17% | 5,223 | $3.1M | Reduce -0.1% |
| CAT Caterpillar Inc. | 1.12% | 8,087 | $2.9M | Reduce -1.8% |
| LMT Lockheed Martin Corp. | 1.10% | 5,952 | $2.9M | Reduce -0.0% |
| ABBV Abbvie Inc. | 1.10% | 16,177 | $2.9M | Reduce -0.4% |
| XOM Exxon Mobil Corp. | 1.02% | 24,814 | $2.7M | Reduce -1.6% |
| XLK SS Technology Select Sector | 0.89% | 10,022 | $2.3M | Add +0.1% |
| WMT Walmart Inc. | 0.85% | 24,645 | $2.2M | Reduce -0.0% |
| CVX Chevron Corp. | 0.85% | 15,349 | $2.2M | Reduce -0.4% |
| WM Waste Management Inc. | 0.83% | 10,726 | $2.2M | Reduce -0.5% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.78% | 100,915 | $2.1M | Add +80.4% |
| CSCO Cisco Systems Inc. | 0.78% | 34,415 | $2.0M | Reduce -1.1% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.75% | 4,779 | $2.0M | Add +8.7% |
| NEE Nextera Energy Inc. | 0.74% | 27,145 | $1.9M | Reduce -1.7% |
| KO The Coca-Cola Co. | 0.74% | 31,042 | $1.9M | Reduce -0.2% |
| IBDU iShares Ibonds Dec 2029 Term | 0.74% | 84,629 | $1.9M | Add +98.0% |
| TSLA Tesla Inc. | 0.73% | 4,718 | $1.9M | Add +0.5% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.72% | 76,136 | $1.9M | Add +121.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.70% | 8,364 | $1.8M | Reduce -1.5% |
| VTI VG Morningstar TS MKT ETF-US | 0.65% | 5,910 | $1.7M | Add +5.9% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.64% | 78,938 | $1.7M | Add +93.7% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.61% | 6,038 | $1.6M | No change |
| V Visa Inc. Class A | 0.60% | 4,946 | $1.6M | Reduce -1.2% |
| QCOM Qualcomm Inc. | 0.60% | 10,172 | $1.6M | Reduce -0.2% |
| OEF iShares S&P 100 ETF | 0.59% | 5,385 | $1.6M | Reduce -1.4% |
| BMY Bristol-Myers Squibb Co. | 0.56% | 26,148 | $1.5M | Reduce -2.9% |
| SYK Stryker Corp. | 0.56% | 4,073 | $1.5M | Reduce -0.2% |
| ORCL Oracle Corp. | 0.55% | 8,662 | $1.4M | Add +0.3% |
| COST Costco Wholesale Corp. | 0.55% | 1,560 | $1.4M | Reduce -2.3% |
| AMAT Applied Materials Inc. | 0.52% | 8,389 | $1.4M | Add +0.2% |
| BLK BlackRock Inc. | 0.51% | 1,312 | $1.3M | Reduce -0.5% |
| SO The Southern Co. | 0.50% | 15,970 | $1.3M | Reduce -0.5% |
| MET Metlife Inc. | 0.50% | 15,934 | $1.3M | Reduce -0.0% |
| UNH Unitedhealth Group Inc. | 0.49% | 2,557 | $1.3M | No change |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.48% | 11,270 | $1.3M | Reduce -3.6% |
| CL Colgate-Palmolive Co. | 0.46% | 13,292 | $1.2M | Reduce -1.5% |
| PSX Phillips 66 | 0.43% | 9,923 | $1.1M | Reduce -1.0% |
| PFE Pfizer Inc. | 0.42% | 41,805 | $1.1M | Reduce -22.6% |
| ADP Automatic Data Processing | 0.42% | 3,755 | $1.1M | Reduce -2.5% |
| MRK Merck & Co. Inc. | 0.41% | 10,775 | $1.1M | Reduce -1.1% |
| ACN Accenture PLC Class A | 0.40% | 3,004 | $1.1M | Reduce -0.2% |
| EFA iShares MSCI Eafe ETF | 0.38% | 13,227 | $1.0M | Add +10.5% |
| VZ Verizon Communications Inc. | 0.37% | 24,244 | $969K | Reduce -14.0% |
| ABT Abbott Laboratories | 0.37% | 8,546 | $967K | Reduce -0.2% |
| DHR Danaher Corp. | 0.37% | 4,201 | $964K | Reduce -0.2% |
| SMH Vaneck Semiconductor ETF | 0.36% | 3,873 | $938K | Add +8.6% |
| IWD iShares Russell 1000 Value E | 0.34% | 4,817 | $892K | Add +2.8% |
| CSX CSX Corp. | 0.33% | 27,087 | $874K | Reduce -0.1% |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | 0.31% | 33,997 | $814K | Add +29.8% |
| NFLX Netflix Inc. | 0.31% | 909 | $810K | Add +0.2% |
| HON Honeywell International Inc. | 0.31% | 3,568 | $806K | Add +1.0% |
| GD General Dynamics Corp. | 0.30% | 2,992 | $788K | Reduce -0.3% |
| AMGN Amgen Inc. | 0.30% | 2,978 | $776K | Add +3.0% |
| IBDX iShares Ibonds Dec 2032 TC | 0.29% | 31,053 | $763K | Add +190.4% |
| AMD Advanced Micro Devices | 0.29% | 6,228 | $752K | Add +1.3% |
| XLF SS Financial Select Sector | 0.29% | 15,455 | $747K | Add +1.8% |
| LOW Lowe's Cos Inc. | 0.28% | 2,946 | $727K | No change |
| IJH iShares Core S&P Midcap ETF | 0.27% | 11,198 | $698K | Add +2.8% |
| XLC SS Comm Select Sector SPDR | 0.26% | 7,163 | $693K | Add +0.7% |
| MS Morgan Stanley | 0.26% | 5,421 | $682K | No change |
| XLE SS Energy Select Sector | 0.26% | 7,821 | $670K | Reduce -0.2% |
| INTC Intel Corp. | 0.25% | 32,725 | $656K | Reduce -31.1% |
| XLV SS Health Care Select Sector | 0.25% | 4,766 | $656K | Reduce -0.5% |
| VLO Valero Energy Corp. | 0.24% | 5,207 | $638K | No change |
| AXP American Express Co. | 0.24% | 2,119 | $629K | Reduce -1.4% |
| C Citigroup Inc. | 0.23% | 8,628 | $607K | Reduce -0.7% |
| DE Deere & Co. | 0.23% | 1,432 | $607K | Reduce -0.8% |
| TGT Target Corp. | 0.23% | 4,398 | $594K | Reduce -11.3% |
| WMB Williams Cos Inc. | 0.23% | 10,889 | $589K | No change |
| IBDR iShares Ibonds Dec 2026 Term | 0.22% | 24,118 | $580K | Add +6.6% |
| T AT&T Inc. | 0.22% | 24,991 | $569K | Reduce -13.8% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.22% | 12,947 | $569K | No change |
| FTEC Fidelity MSCI Info Tech Indx | 0.21% | 2,980 | $551K | No change |
| EMR Emerson Electric Co. | 0.21% | 4,375 | $542K | Reduce -3.5% |
| IBDY iShares Ibonds Dec 2033 Corp. | 0.19% | 20,077 | $504K | Add +183.7% |
| DUK Duke Energy Corp. | 0.19% | 4,525 | $487K | Reduce -0.7% |
| ADBE Adobe Inc. | 0.18% | 1,084 | $482K | Add +4.7% |
| CRM Salesforce Inc. | 0.18% | 1,432 | $479K | No change |
| AMT American Tower Corp. | 0.17% | 2,434 | $446K | Reduce -5.7% |
| CALF PCR US SM CP CSH CWS ETF-Usd | 0.17% | 10,072 | $443K | Reduce -13.8% |
| CVS CVS Health Corp. | 0.17% | 9,778 | $439K | Reduce -13.3% |
| PRU Prudential Financial Inc. | 0.17% | 3,649 | $433K | Add +3.6% |
Portfolio Sells Q3 2024 → Q4 2024
| LMT Lockheed Martin Corp. | Reduce -0.0% | 1.10% | −0.24 |
| LLY Eli Lilly & Co. | Reduce -1.2% | 1.36% | −0.23 |
| JNJ Johnson & Johnson | Reduce -3.8% | 1.32% | −0.23 |
| PEP Pepsico Inc. | Reduce -2.8% | 1.20% | −0.19 |
| INTC Intel Corp. | Reduce -31.1% | 0.25% | −0.18 |
| PFE Pfizer Inc. | Reduce -22.6% | 0.42% | −0.18 |
| NEE Nextera Energy Inc. | Reduce -1.7% | 0.74% | −0.16 |
| MSFT Microsoft Corp. | Reduce -0.6% | 3.92% | −0.14 |
| AGG iShares Core U.S. Aggregate | Reduce -5.8% | 1.17% | −0.14 |
| ABBV Abbvie Inc. | Reduce -0.4% | 1.10% | −0.14 |
| TIP iShares Tips Bond ETF | Reduce -4.3% | 1.48% | −0.14 |
| KO The Coca-Cola Co. | Reduce -0.2% | 0.74% | −0.12 |
| CAT Caterpillar Inc. | Reduce -1.8% | 1.12% | −0.12 |
| XOM Exxon Mobil Corp. | Reduce -1.6% | 1.02% | −0.12 |
| VZ Verizon Communications Inc. | Reduce -14.0% | 0.37% | −0.12 |
| PG The Procter & Gamble Co. | Reduce -1.3% | 1.89% | −0.11 |
| CVS CVS Health Corp. | Reduce -13.3% | 0.17% | −0.11 |
| MCD McDonald's Corp. | Reduce -1.6% | 1.31% | −0.10 |
| DHR Danaher Corp. | Reduce -0.2% | 0.37% | −0.08 |
| CL Colgate-Palmolive Co. | Reduce -1.5% | 0.46% | −0.08 |
| HD Home Depot Inc. | Reduce -0.1% | 1.48% | −0.08 |
| PSX Phillips 66 | Reduce -1.0% | 0.43% | −0.08 |
| TGT Target Corp. | Reduce -11.3% | 0.23% | −0.07 |
| QCOM Qualcomm Inc. | Reduce -0.2% | 0.60% | −0.07 |
| IBDP iShares Ibonds Dec 2024 Term | Sold out | 0.00% | −0.07 |
| MRK Merck & Co. Inc. | Reduce -1.1% | 0.41% | −0.07 |
| BND Vanguard Total Bond Market | Reduce -34.1% | 0.11% | −0.06 |
| AMT American Tower Corp. | Reduce -5.7% | 0.17% | −0.06 |
| SO The Southern Co. | Reduce -0.5% | 0.50% | −0.06 |
| DOW Dow Inc. | Reduce -12.5% | 0.10% | −0.06 |
| NKE Nike Inc. Class B | Reduce -20.4% | 0.11% | −0.05 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.7% | 1.58% | −0.05 |
| GD General Dynamics Corp. | Reduce -0.3% | 0.30% | −0.05 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -0.4% | 1.58% | −0.04 |
| CALF PCR US SM CP CSH CWS ETF-Usd | Reduce -13.8% | 0.17% | −0.04 |
| WM Waste Management Inc. | Reduce -0.5% | 0.83% | −0.04 |
| ANET Arista Networks Inc. | Sold out | 0.00% | −0.04 |
| CARR Carrier Global Corp. | Reduce -10.1% | 0.10% | −0.03 |
| XLV SS Health Care Select Sector | Reduce -0.5% | 0.25% | −0.03 |
| PANW Palo Alto Networks Inc. | Reduce -50.0% | 0.04% | −0.03 |
| T AT&T Inc. | Reduce -13.8% | 0.22% | −0.03 |
| CSX CSX Corp. | Reduce -0.1% | 0.33% | −0.03 |
| MMM 3M Co. | Reduce -8.5% | 0.16% | −0.03 |
| NOC Northrop Grumman Corp. | Reduce -7.1% | 0.12% | −0.03 |
| CVX Chevron Corp. | Reduce -0.4% | 0.85% | −0.03 |
| GIS General Mills Inc. | Reduce -20.5% | 0.05% | −0.02 |
| MPC Marathon Petroleum Corp. | Reduce -15.8% | 0.06% | −0.02 |
| D Dominion Energy Inc. | Reduce -7.6% | 0.13% | −0.02 |
| OTIS Otis Worldwide Corp. | Reduce -13.2% | 0.07% | −0.02 |
| TD Toronto-Dominion Bank | Reduce -7.3% | 0.07% | −0.02 |
Portfolio Buys Q3 2024 → Q4 2024
| VTHR Vanguard Russell 3000 | Add +27.9% | 1.81% | +0.42 |
| IBDT iShares Ibonds Dec 2028 ETF | Add +121.9% | 0.72% | +0.39 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +1.6% | 12.50% | +0.35 |
| IBDU iShares Ibonds Dec 2029 Term | Add +98.0% | 0.74% | +0.35 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +80.4% | 0.78% | +0.33 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +93.7% | 0.64% | +0.30 |
| TSLA Tesla Inc. | Add +0.5% | 0.73% | +0.25 |
| IWF iShares Russell 1000 Growth | Add +10.5% | 1.33% | +0.19 |
| IBDX iShares Ibonds Dec 2032 TC | Add +190.4% | 0.29% | +0.19 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +183.7% | 0.19% | +0.12 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +8.7% | 0.75% | +0.10 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Add +29.8% | 0.31% | +0.07 |
| NFLX Netflix Inc. | Add +0.2% | 0.31% | +0.06 |
| VTI VG Morningstar TS MKT ETF-US | Add +5.9% | 0.65% | +0.05 |
| LULU Lululemon Athletica Inc. | Add +6.5% | 0.10% | +0.03 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +57.9% | 0.08% | +0.03 |
| FCG First Trust Natural Gas ETF | New | 0.03% | +0.03 |
| HON Honeywell International Inc. | Add +1.0% | 0.31% | +0.03 |
| BALCX American Balanced Fund-C | New | 0.03% | +0.03 |
| SMH Vaneck Semiconductor ETF | Add +8.6% | 0.36% | +0.02 |
| BBUS JPMorgan Betabuilders US Equ | New | 0.02% | +0.02 |
| XLF SS Financial Select Sector | Add +1.8% | 0.29% | +0.02 |
| XLK SS Technology Select Sector | Add +0.1% | 0.89% | +0.02 |
| NLR Vaneck Urani & Nuclr ETF-Usd | New | 0.02% | +0.02 |
| XLC SS Comm Select Sector SPDR | Add +0.7% | 0.26% | +0.02 |
| GOVT iShares US Treasury Bond ETF | Add +59.5% | 0.05% | +0.02 |
| LNG Cheniere Energy Inc. | New | 0.02% | +0.02 |
| KMI Kinder Morgan Inc. | Add +102.5% | 0.03% | +0.02 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Add +59.4% | 0.05% | +0.02 |
| ET Energy Transfer LP | Add +16.9% | 0.05% | +0.02 |
| VIG Vanguard Dividend Apprec ETF | Add +15.2% | 0.11% | +0.01 |
| KR Kroger Co. | Add +1628.1% | 0.01% | +0.01 |
| MA Mastercard Inc. Class A | Add +2.6% | 0.13% | +0.01 |
| IBDR iShares Ibonds Dec 2026 Term | Add +6.6% | 0.22% | +0.01 |
| TDVG T Rowe Price Dividend Growth | Add +12.8% | 0.10% | +0.01 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | New | 0.01% | +0.01 |
| KRE SS SPDR S&P Regional Bank | Add +400.0% | 0.01% | +0.01 |
| EME Emcor Group Inc. | Add +5.0% | 0.07% | +0.01 |
| EPD Enterprise Products Partners | Add +0.7% | 0.08% | +0.01 |
| HYDB iShares High Yield Systemati | Add +59.2% | 0.02% | +0.01 |
| TSM Taiwan Semiconductor-SP ADR | Add +6.2% | 0.03% | +0.01 |
| IJH iShares Core S&P Midcap ETF | Add +2.8% | 0.27% | +0.01 |
| DLR Digital Realty Trust Inc. | Add +25.6% | 0.02% | +0.00 |
| SUSA iShares ESG Optimized MSCI U | Add +3.5% | 0.11% | +0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Add +13.0% | 0.03% | +0.00 |
| FRT Federal Realty Invs Trust | New | 0.00% | +0.00 |
| DTCR Global X Data Center & Digit | New | 0.00% | +0.00 |
| PLAB Photronics Inc. | New | 0.00% | +0.00 |
| ABM Abm Industries Inc. | Add +28.6% | 0.02% | +0.00 |
| NUKZ Range Nuclear Renaissance | New | 0.00% | +0.00 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 557 | $335.6M | SPY, AAPL, NVDA, VTHR, MSFT |
| Q1 2026 | 543 | $297.6M | SPY, AAPL, NVDA, VTHR, MSFT |
| Q4 2025 | 536 | $304.0M | SPY, AAPL, NVDA, MSFT, AMZN |
| Q3 2025 | 508 | $298.2M | SPY, AAPL, NVDA, MSFT, AMZN |
| Q2 2025 | 480 | $275.4M | SPY, NVDA, AAPL, MSFT, AMZN |
| Q1 2025 | 477 | $255.9M | SPY, AAPL, NVDA, MSFT, AMZN |
| Q4 2024 | 483 | $261.9M | SPY, AAPL, NVDA, MSFT, AMZN |
| Q3 2024 | 489 | $259.6M | SPY, AAPL, NVDA, MSFT, AMZN |
| Q2 2024 | 492 | $244.9M | SPY, AAPL, NVDA, MSFT, AMZN |
| Q1 2024 | 504 | $238.9M | SPY, AAPL, MSFT, NVDA, AMZN |