Adirondack Trust Co.
In its 13F for Q1 2025 (holdings as of March 31, 2025, filed April 3, 2025), Adirondack Trust Co. reported 477 stock positions worth $255.9 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 12.2% of the portfolio, followed by Apple (AAPL, 6.1%) and Nvidia (NVDA, 3.8%). Compared with Q4 2024, it opened 5 new positions, sold out of 11, added to 57 and reduced 110. The biggest buy was iShares Ibonds Dec 2032 TC (IBDX, shares +55%) and the biggest sale Apple (AAPL, shares −1%).
- Most Recent 13F
- Q2 2026
- Location
- SARATOGA SPRINGS, NY
- CIK
- 0001054257
- Portfolio Value
- $255.9M (Q1 2025)
- SEC Filing
- 0001054257-25-000003 ↗ filed Apr 3, 2025
Holdings Value
Holdings 477 stocks · $255.9M
| SPY SS SPDR S&P 500 ETF Trust-US | 12.24% | 56,005 | $31.3M | Add +0.3% |
| AAPL Apple Inc. | 6.14% | 70,686 | $15.7M | Reduce -0.6% |
| NVDA Nvidia Corp. | 3.83% | 90,506 | $9.8M | Add +5.5% |
| MSFT Microsoft Corp. | 3.59% | 24,449 | $9.2M | Add +0.5% |
| AMZN Amazon.com Inc. | 2.76% | 37,064 | $7.1M | Add +0.9% |
| MDY State Street SPDR S&P Midcap | 2.24% | 10,744 | $5.7M | Reduce -0.7% |
| JPM JPMorgan Chase & Co. | 2.13% | 22,267 | $5.5M | Reduce -0.6% |
| VTHR Vanguard Russell 3000 | 1.98% | 20,505 | $5.1M | Add +12.1% |
| PG The Procter & Gamble Co. | 1.92% | 28,776 | $4.9M | Reduce -2.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.88% | 9,048 | $4.8M | Reduce -0.8% |
| JNJ Johnson & Johnson | 1.52% | 23,443 | $3.9M | Reduce -1.8% |
| IJR iShares Core S&P Small-Cap E | 1.46% | 35,639 | $3.7M | Reduce -0.5% |
| LLY Eli Lilly & Co. | 1.45% | 4,504 | $3.7M | Reduce -2.6% |
| MCD McDonald's Corp. | 1.44% | 11,765 | $3.7M | Reduce -0.8% |
| TIP iShares Tips Bond ETF | 1.41% | 32,592 | $3.6M | Reduce -10.5% |
| HD Home Depot Inc. | 1.38% | 9,620 | $3.5M | Reduce -3.4% |
| IWF iShares Russell 1000 Growth | 1.34% | 9,502 | $3.4M | Add +9.8% |
| ABBV Abbvie Inc. | 1.30% | 15,937 | $3.3M | Reduce -1.5% |
| AGG iShares Core U.S. Aggregate | 1.22% | 31,682 | $3.1M | No change |
| META Meta Platforms Inc. Class A | 1.20% | 5,328 | $3.1M | Add +2.0% |
| PEP Pepsico Inc. | 1.19% | 20,333 | $3.0M | Reduce -1.8% |
| XOM Exxon Mobil Corp. | 1.10% | 23,714 | $2.8M | Reduce -4.4% |
| CAT Caterpillar Inc. | 1.02% | 7,953 | $2.6M | Reduce -1.7% |
| LMT Lockheed Martin Corp. | 1.01% | 5,811 | $2.6M | Reduce -2.4% |
| CVX Chevron Corp. | 0.98% | 14,956 | $2.5M | Reduce -2.6% |
| WM Waste Management Inc. | 0.96% | 10,624 | $2.5M | Reduce -0.9% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.90% | 111,414 | $2.3M | Add +10.4% |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.89% | 6,125 | $2.3M | Add +28.2% |
| KO The Coca-Cola Co. | 0.85% | 30,428 | $2.2M | Reduce -2.0% |
| WMT Walmart Inc. | 0.84% | 24,624 | $2.2M | Reduce -0.1% |
| IBDU iShares Ibonds Dec 2029 Term | 0.84% | 92,903 | $2.1M | Add +9.8% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.83% | 84,460 | $2.1M | Add +10.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.81% | 8,354 | $2.1M | Reduce -0.1% |
| XLK SS Technology Select Sector | 0.81% | 9,979 | $2.1M | Reduce -0.4% |
| CSCO Cisco Systems Inc. | 0.80% | 33,154 | $2.0M | Reduce -3.7% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.78% | 91,498 | $2.0M | Add +15.9% |
| NEE Nextera Energy Inc. | 0.74% | 26,558 | $1.9M | Reduce -2.2% |
| V Visa Inc. Class A | 0.68% | 4,968 | $1.7M | Add +0.4% |
| VTI VG Morningstar TS MKT ETF-US | 0.64% | 5,972 | $1.6M | Add +1.1% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.61% | 6,038 | $1.6M | No change |
| BMY Bristol-Myers Squibb Co. | 0.61% | 25,592 | $1.6M | Reduce -2.1% |
| QCOM Qualcomm Inc. | 0.61% | 10,092 | $1.6M | Reduce -0.8% |
| SYK Stryker Corp. | 0.59% | 4,032 | $1.5M | Reduce -1.0% |
| COST Costco Wholesale Corp. | 0.57% | 1,545 | $1.5M | Reduce -1.0% |
| OEF iShares S&P 100 ETF | 0.57% | 5,385 | $1.5M | No change |
| SO The Southern Co. | 0.54% | 15,150 | $1.4M | Reduce -5.1% |
| UNH Unitedhealth Group Inc. | 0.51% | 2,500 | $1.3M | Reduce -2.2% |
| TSLA Tesla Inc. | 0.50% | 4,893 | $1.3M | Add +3.7% |
| MET Metlife Inc. | 0.49% | 15,712 | $1.3M | Reduce -1.4% |
| BLK BlackRock Inc. | 0.49% | 1,331 | $1.3M | Add +1.4% |
| PSX Phillips 66 | 0.48% | 9,872 | $1.2M | Reduce -0.5% |
| AMAT Applied Materials Inc. | 0.47% | 8,364 | $1.2M | Reduce -0.3% |
| CL Colgate-Palmolive Co. | 0.47% | 12,804 | $1.2M | Reduce -3.7% |
| IBDX iShares Ibonds Dec 2032 TC | 0.47% | 48,007 | $1.2M | Add +54.6% |
| ORCL Oracle Corp. | 0.46% | 8,442 | $1.2M | Reduce -2.5% |
| ABT Abbott Laboratories | 0.44% | 8,463 | $1.1M | Reduce -1.0% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.44% | 11,280 | $1.1M | Add +0.1% |
| EFA iShares MSCI Eafe ETF | 0.43% | 13,559 | $1.1M | Add +2.5% |
| ADP Automatic Data Processing | 0.43% | 3,605 | $1.1M | Reduce -4.0% |
| VZ Verizon Communications Inc. | 0.42% | 23,693 | $1.1M | Reduce -2.3% |
| PFE Pfizer Inc. | 0.37% | 37,716 | $956K | Reduce -9.8% |
| ACN Accenture PLC Class A | 0.37% | 3,004 | $937K | No change |
| IWD iShares Russell 1000 Value E | 0.36% | 4,901 | $922K | Add +1.7% |
| MRK Merck & Co. Inc. | 0.36% | 10,240 | $919K | Reduce -5.0% |
| AMGN Amgen Inc. | 0.35% | 2,916 | $908K | Reduce -2.1% |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | 0.35% | 36,630 | $886K | Add +7.7% |
| NFLX Netflix Inc. | 0.34% | 926 | $864K | Add +1.9% |
| SMH Vaneck Semiconductor ETF | 0.33% | 4,053 | $857K | Add +4.7% |
| DHR Danaher Corp. | 0.33% | 4,105 | $842K | Reduce -2.3% |
| IBDY iShares Ibonds Dec 2033 Corp. | 0.33% | 32,749 | $837K | Add +63.1% |
| CSX CSX Corp. | 0.31% | 26,956 | $793K | Reduce -0.5% |
| XLF SS Financial Select Sector | 0.30% | 15,654 | $780K | Add +1.3% |
| GD General Dynamics Corp. | 0.30% | 2,829 | $771K | Reduce -5.5% |
| HON Honeywell International Inc. | 0.30% | 3,574 | $757K | Add +0.2% |
| XLE SS Energy Select Sector | 0.29% | 7,829 | $732K | Add +0.1% |
| XLV SS Health Care Select Sector | 0.28% | 4,922 | $719K | Add +3.3% |
| XLC SS Comm Select Sector SPDR | 0.27% | 7,274 | $702K | Add +1.6% |
| T AT&T Inc. | 0.27% | 24,338 | $688K | Reduce -2.6% |
| AMD Advanced Micro Devices | 0.26% | 6,541 | $672K | Add +5.0% |
| LOW Lowe's Cos Inc. | 0.26% | 2,833 | $661K | Reduce -3.8% |
| IJH iShares Core S&P Midcap ETF | 0.26% | 11,185 | $653K | Reduce -0.1% |
| VLO Valero Energy Corp. | 0.25% | 4,910 | $648K | Reduce -5.7% |
| DE Deere & Co. | 0.25% | 1,374 | $645K | Reduce -4.0% |
| IBDR iShares Ibonds Dec 2026 Term | 0.25% | 26,084 | $631K | Add +8.2% |
| MS Morgan Stanley | 0.24% | 5,315 | $620K | Reduce -2.0% |
| CVS CVS Health Corp. | 0.24% | 9,041 | $613K | Reduce -7.5% |
| WMB Williams Cos Inc. | 0.24% | 10,163 | $607K | Reduce -6.7% |
| C Citigroup Inc. | 0.24% | 8,482 | $602K | Reduce -1.7% |
| INTC Intel Corp. | 0.23% | 26,463 | $601K | Reduce -19.1% |
| AXP American Express Co. | 0.23% | 2,148 | $578K | Add +1.4% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.21% | 12,942 | $540K | Reduce -0.0% |
| AMT American Tower Corp. | 0.20% | 2,339 | $509K | Reduce -3.9% |
| DUK Duke Energy Corp. | 0.20% | 4,173 | $509K | Reduce -7.8% |
| FTEC Fidelity MSCI Info Tech Indx | 0.19% | 2,980 | $481K | No change |
| EMR Emerson Electric Co. | 0.18% | 4,220 | $463K | Reduce -3.5% |
| TGT Target Corp. | 0.18% | 4,412 | $460K | Add +0.3% |
| VEA Vanguard Ftse Developed ETF | 0.18% | 9,022 | $459K | Add +3.0% |
| MMM 3M Co. | 0.18% | 3,110 | $457K | Reduce -4.4% |
| ADBE Adobe Inc. | 0.16% | 1,088 | $417K | Add +0.4% |
| MA Mastercard Inc. Class A | 0.15% | 718 | $394K | Add +8.0% |
Portfolio Sells Q4 2024 → Q1 2025
| AAPL Apple Inc. | Reduce -0.6% | 6.14% | −0.66 |
| IJR iShares Core S&P Small-Cap E | Reduce -0.5% | 1.46% | −0.12 |
| MDY State Street SPDR S&P Midcap | Reduce -0.7% | 2.24% | −0.11 |
| HD Home Depot Inc. | Reduce -3.4% | 1.38% | −0.10 |
| CAT Caterpillar Inc. | Reduce -1.7% | 1.02% | −0.10 |
| LMT Lockheed Martin Corp. | Reduce -2.4% | 1.01% | −0.09 |
| ORCL Oracle Corp. | Reduce -2.5% | 0.46% | −0.09 |
| XLK SS Technology Select Sector | Reduce -0.4% | 0.81% | −0.08 |
| TIP iShares Tips Bond ETF | Reduce -10.5% | 1.41% | −0.07 |
| CALF PCR US SM CP CSH CWS ETF-Usd | Reduce -19.4% | 0.12% | −0.05 |
| MRK Merck & Co. Inc. | Reduce -5.0% | 0.36% | −0.05 |
| PFE Pfizer Inc. | Reduce -9.8% | 0.37% | −0.05 |
| AMAT Applied Materials Inc. | Reduce -0.3% | 0.47% | −0.05 |
| DHR Danaher Corp. | Reduce -2.3% | 0.33% | −0.04 |
| VTWO Vanguard Russell 2000 ETF | Reduce -61.2% | 0.02% | −0.03 |
| UPS United Parcel Service Class B | Reduce -11.6% | 0.10% | −0.03 |
| EMR Emerson Electric Co. | Reduce -3.5% | 0.18% | −0.03 |
| CSX CSX Corp. | Reduce -0.5% | 0.31% | −0.02 |
| DOW Dow Inc. | Reduce -10.9% | 0.08% | −0.02 |
| LOW Lowe's Cos Inc. | Reduce -3.8% | 0.26% | −0.02 |
| MS Morgan Stanley | Reduce -2.0% | 0.24% | −0.02 |
| CMI Cummins Inc. | Reduce -13.0% | 0.07% | −0.02 |
| ITW Illinois Tool Works | Reduce -16.3% | 0.08% | −0.02 |
| INTC Intel Corp. | Reduce -19.1% | 0.23% | −0.02 |
| FDX FedEx Corp. | Reduce -5.2% | 0.07% | −0.01 |
| PRU Prudential Financial Inc. | Reduce -4.9% | 0.15% | −0.01 |
| TROW T Rowe Price Group Inc. | Sold out | 0.00% | −0.01 |
| GWW WW Grainger Inc. | Reduce -61.7% | 0.01% | −0.01 |
| NUE Nucor Corp. | Reduce -16.3% | 0.09% | −0.01 |
| IJH iShares Core S&P Midcap ETF | Reduce -0.1% | 0.26% | −0.01 |
| PEP Pepsico Inc. | Reduce -1.8% | 1.19% | −0.01 |
| AROW Arrow Financial Corp. | Reduce -20.2% | 0.03% | −0.01 |
| ETN Eaton Corp. PLC | Reduce -0.5% | 0.04% | −0.01 |
| ITB iShares U.S. Home Constructi | Reduce -37.0% | 0.01% | −0.01 |
| DAL Delta Air Lines Inc. | Reduce -65.9% | 0.00% | −0.01 |
| CARR Carrier Global Corp. | Reduce -2.5% | 0.10% | −0.01 |
| NEE Nextera Energy Inc. | Reduce -2.2% | 0.74% | −0.01 |
| D Dominion Energy Inc. | Reduce -11.3% | 0.12% | −0.01 |
| SUSA iShares ESG Optimized MSCI U | Reduce -3.0% | 0.11% | −0.01 |
| BAC Bank of America Corp. | Reduce -0.0% | 0.21% | −0.01 |
| AIQ Global X Art Intel & Tech | Reduce -2.3% | 0.10% | −0.01 |
| WMT Walmart Inc. | Reduce -0.1% | 0.84% | −0.01 |
| TDVG T Rowe Price Dividend Growth | Reduce -9.2% | 0.10% | −0.01 |
| MET Metlife Inc. | Reduce -1.4% | 0.49% | −0.01 |
| GEHC GE Healthcare Technology | Reduce -20.6% | 0.03% | −0.01 |
| VRSK Verisk Analytics Inc. | Reduce -51.4% | 0.01% | −0.01 |
| ZTS Zoetis Inc. | Sold out | 0.00% | −0.01 |
| BP BP PLC-Spons ADR | Reduce -36.6% | 0.01% | −0.00 |
| CSIQ Canadian Solar Inc. | Reduce -66.7% | 0.00% | −0.00 |
| PLTR Palantir Technologies Inc. Class A | Reduce -63.2% | 0.00% | −0.00 |
Portfolio Buys Q4 2024 → Q1 2025
| IBDX iShares Ibonds Dec 2032 TC | Add +54.6% | 0.47% | +0.18 |
| VTHR Vanguard Russell 3000 | Add +12.1% | 1.98% | +0.16 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +28.2% | 0.89% | +0.14 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +63.1% | 0.33% | +0.13 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +15.9% | 0.78% | +0.13 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +10.4% | 0.90% | +0.12 |
| IBDT iShares Ibonds Dec 2028 ETF | Add +10.9% | 0.83% | +0.11 |
| IBDU iShares Ibonds Dec 2029 Term | Add +9.8% | 0.84% | +0.10 |
| V Visa Inc. Class A | Add +0.4% | 0.68% | +0.08 |
| BBUS JPMorgan Betabuilders US Equ | Add +353.9% | 0.09% | +0.07 |
| EFA iShares MSCI Eafe ETF | Add +2.5% | 0.43% | +0.05 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Add +7.7% | 0.35% | +0.04 |
| META Meta Platforms Inc. Class A | Add +2.0% | 1.20% | +0.03 |
| PANW Palo Alto Networks Inc. | Add +100.0% | 0.07% | +0.03 |
| XLV SS Health Care Select Sector | Add +3.3% | 0.28% | +0.03 |
| XLE SS Energy Select Sector | Add +0.1% | 0.29% | +0.03 |
| NFLX Netflix Inc. | Add +1.9% | 0.34% | +0.03 |
| IBDR iShares Ibonds Dec 2026 Term | Add +8.2% | 0.25% | +0.03 |
| MA Mastercard Inc. Class A | Add +8.0% | 0.15% | +0.02 |
| IWD iShares Russell 1000 Value E | Add +1.7% | 0.36% | +0.02 |
| XLF SS Financial Select Sector | Add +1.3% | 0.30% | +0.02 |
| VEA Vanguard Ftse Developed ETF | Add +3.0% | 0.18% | +0.02 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +29.9% | 0.10% | +0.02 |
| VRTX Vertex Pharmaceuticals Inc. | Add +2.7% | 0.09% | +0.02 |
| IWF iShares Russell 1000 Growth | Add +9.8% | 1.34% | +0.01 |
| TMUS T-Mobile US Inc. | Add +366.7% | 0.01% | +0.01 |
| NLR Vaneck Urani & Nuclr ETF-Usd | Add +74.3% | 0.03% | +0.01 |
| XLC SS Comm Select Sector SPDR | Add +1.6% | 0.27% | +0.01 |
| XLI SS Industrial Select Sector | Add +5.1% | 0.12% | +0.01 |
| VWO Vanguard Ftse Emerging Marke | Add +1.4% | 0.10% | +0.01 |
| FTNT Fortinet Inc. | Add +260.0% | 0.01% | +0.01 |
| SCHW Schwab (charles) Corp. | Add +78.8% | 0.01% | +0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +3.8% | 0.04% | +0.00 |
| KLAC KLA Corp. | Add +100.0% | 0.01% | +0.00 |
| KEY Keycorp | New | 0.00% | +0.00 |
| MGV Vngrd Mrgstr MG CP VL ETF-Ui | Add +31.3% | 0.01% | +0.00 |
| APH Amphenol Corp. Class A | New | 0.00% | +0.00 |
| DLR Digital Realty Trust Inc. | Add +40.8% | 0.02% | +0.00 |
| ANGLO AMERN PLC SPONSORED ADR | New | 0.00% | +0.00 |
| FIS Fidelity National Info Serv | New | 0.00% | +0.00 |
| FCG First Trust Natural Gas ETF | Add +0.2% | 0.03% | +0.00 |
| BSCP Invesco Bulletshares 2025 CB | New | 0.00% | +0.00 |
| VONG Vanguard Russell 1000 Growth | Add +5.9% | 0.02% | −0.00 |
| DSI iShares ESG MSCI KLD 400 ETF | Add +2.4% | 0.03% | −0.00 |
| GEV GE Vernova Inc. | Add +4.1% | 0.12% | −0.00 |
| QCLN First Trust Nasdaq Clean Edg | Add +0.7% | 0.01% | −0.00 |
| REGN Regeneron Pharmaceuticals | Add +4.2% | 0.11% | −0.01 |
| HON Honeywell International Inc. | Add +0.2% | 0.30% | −0.01 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.1% | 0.64% | −0.01 |
| AXP American Express Co. | Add +1.4% | 0.23% | −0.01 |
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 |