Adirondack Trust Co.
In its 13F for Q2 2025 (holdings as of June 30, 2025, filed July 11, 2025), Adirondack Trust Co. reported 480 stock positions worth $275.4 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 13.2% of the portfolio, followed by Nvidia (NVDA, 5.2%) and Apple (AAPL, 5.0%). Compared with Q1 2025, it opened 21 new positions, sold out of 18, added to 66 and reduced 125. The biggest buy was Nvidia (NVDA, shares +1%) and the biggest sale Apple (AAPL, shares −4%).
- Most Recent 13F
- Q2 2026
- Location
- SARATOGA SPRINGS, NY
- CIK
- 0001054257
- Portfolio Value
- $275.4M (Q2 2025)
- SEC Filing
- 0001054257-25-000004 ↗ filed Jul 11, 2025
Holdings Value
Holdings 480 stocks · $275.4M
| SPY SS SPDR S&P 500 ETF Trust-US | 13.22% | 58,914 | $36.4M | Add +5.2% |
| NVDA Nvidia Corp. | 5.24% | 91,401 | $14.4M | Add +1.0% |
| AAPL Apple Inc. | 5.05% | 67,727 | $13.9M | Reduce -4.2% |
| MSFT Microsoft Corp. | 4.43% | 24,526 | $12.2M | Add +0.3% |
| AMZN Amazon.com Inc. | 2.98% | 37,474 | $8.2M | Add +1.1% |
| VTHR Vanguard Russell 3000 | 2.44% | 24,674 | $6.7M | Add +20.3% |
| JPM JPMorgan Chase & Co. | 2.33% | 22,170 | $6.4M | Reduce -0.4% |
| MDY State Street SPDR S&P Midcap | 2.13% | 10,380 | $5.9M | Reduce -3.4% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.76% | 9,975 | $4.8M | Add +10.3% |
| PG The Procter & Gamble Co. | 1.60% | 27,734 | $4.4M | Reduce -3.6% |
| IWF iShares Russell 1000 Growth | 1.56% | 10,136 | $4.3M | Add +6.7% |
| META Meta Platforms Inc. Class A | 1.51% | 5,632 | $4.2M | Add +5.7% |
| IJR iShares Core S&P Small-Cap E | 1.37% | 34,581 | $3.8M | Reduce -3.0% |
| HD Home Depot Inc. | 1.27% | 9,545 | $3.5M | Reduce -0.8% |
| AGG iShares Core U.S. Aggregate | 1.25% | 34,745 | $3.4M | Add +9.7% |
| JNJ Johnson & Johnson | 1.25% | 22,554 | $3.4M | Reduce -3.8% |
| TIP iShares Tips Bond ETF | 1.22% | 30,579 | $3.4M | Reduce -6.2% |
| MCD McDonald's Corp. | 1.20% | 11,333 | $3.3M | Reduce -3.7% |
| CAT Caterpillar Inc. | 1.12% | 7,912 | $3.1M | Reduce -0.5% |
| ABBV Abbvie Inc. | 1.07% | 15,936 | $3.0M | Reduce -0.0% |
| LLY Eli Lilly & Co. | 1.07% | 3,770 | $2.9M | Reduce -16.3% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.00% | 6,305 | $2.8M | Add +2.9% |
| XOM Exxon Mobil Corp. | 0.92% | 23,607 | $2.5M | Reduce -0.5% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.92% | 120,993 | $2.5M | Add +8.6% |
| PEP Pepsico Inc. | 0.92% | 19,163 | $2.5M | Reduce -5.8% |
| XLK SS Technology Select Sector | 0.91% | 9,945 | $2.5M | Reduce -0.3% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.90% | 8,426 | $2.5M | Add +0.9% |
| LMT Lockheed Martin Corp. | 0.89% | 5,315 | $2.5M | Reduce -8.5% |
| WMT Walmart Inc. | 0.87% | 24,467 | $2.4M | Reduce -0.6% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.85% | 91,704 | $2.3M | Add +8.6% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.84% | 105,363 | $2.3M | Add +15.2% |
| IBDU iShares Ibonds Dec 2029 Term | 0.84% | 99,104 | $2.3M | Add +6.7% |
| CVX Chevron Corp. | 0.84% | 16,097 | $2.3M | Add +7.6% |
| CSCO Cisco Systems Inc. | 0.81% | 32,019 | $2.2M | Reduce -3.4% |
| WM Waste Management Inc. | 0.80% | 9,637 | $2.2M | Reduce -9.3% |
| KO The Coca-Cola Co. | 0.77% | 30,131 | $2.1M | Reduce -1.0% |
| VTI VG Morningstar TS MKT ETF-US | 0.68% | 6,142 | $1.9M | Add +2.9% |
| ORCL Oracle Corp. | 0.65% | 8,179 | $1.8M | Reduce -3.1% |
| NEE Nextera Energy Inc. | 0.64% | 25,314 | $1.8M | Reduce -4.7% |
| V Visa Inc. Class A | 0.63% | 4,877 | $1.7M | Reduce -1.8% |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.61% | 6,038 | $1.7M | No change |
| OEF iShares S&P 100 ETF | 0.61% | 5,545 | $1.7M | Add +3.0% |
| TSLA Tesla Inc. | 0.59% | 5,085 | $1.6M | Add +3.9% |
| SYK Stryker Corp. | 0.58% | 4,026 | $1.6M | Reduce -0.1% |
| QCOM Qualcomm Inc. | 0.56% | 9,604 | $1.5M | Reduce -4.8% |
| AMAT Applied Materials Inc. | 0.55% | 8,219 | $1.5M | Reduce -1.7% |
| COST Costco Wholesale Corp. | 0.54% | 1,512 | $1.5M | Reduce -2.1% |
| IBDX iShares Ibonds Dec 2032 TC | 0.51% | 55,257 | $1.4M | Add +15.1% |
| BLK BlackRock Inc. | 0.51% | 1,327 | $1.4M | Reduce -0.3% |
| EFA iShares MSCI Eafe ETF | 0.48% | 14,917 | $1.3M | Add +10.0% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.48% | 10,733 | $1.3M | Reduce -4.8% |
| SO The Southern Co. | 0.47% | 14,156 | $1.3M | Reduce -6.6% |
| NFLX Netflix Inc. | 0.47% | 957 | $1.3M | Add +3.4% |
| MET Metlife Inc. | 0.45% | 15,526 | $1.2M | Reduce -1.2% |
| CL Colgate-Palmolive Co. | 0.42% | 12,681 | $1.2M | Reduce -1.0% |
| ABT Abbott Laboratories | 0.42% | 8,409 | $1.1M | Reduce -0.6% |
| SMH Vaneck Semiconductor ETF | 0.41% | 4,066 | $1.1M | Add +0.3% |
| PSX Phillips 66 | 0.41% | 9,433 | $1.1M | Reduce -4.5% |
| BMY Bristol-Myers Squibb Co. | 0.40% | 23,702 | $1.1M | Reduce -7.4% |
| IBDY iShares Ibonds Dec 2033 Corp. | 0.40% | 42,027 | $1.1M | Add +28.3% |
| ADP Automatic Data Processing | 0.39% | 3,524 | $1.1M | Reduce -2.3% |
| VZ Verizon Communications Inc. | 0.38% | 24,461 | $1.1M | Add +3.2% |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | 0.35% | 39,624 | $962K | Add +8.2% |
| IWD iShares Russell 1000 Value E | 0.35% | 4,901 | $952K | No change |
| AMD Advanced Micro Devices | 0.34% | 6,527 | $926K | Reduce -0.2% |
| HON Honeywell International Inc. | 0.30% | 3,594 | $837K | Add +0.6% |
| ACN Accenture PLC Class A | 0.30% | 2,800 | $837K | Reduce -6.8% |
| MS Morgan Stanley | 0.30% | 5,911 | $833K | Add +11.2% |
| GD General Dynamics Corp. | 0.30% | 2,797 | $816K | Reduce -1.1% |
| XLF SS Financial Select Sector | 0.29% | 15,506 | $812K | Reduce -0.9% |
| PFE Pfizer Inc. | 0.29% | 33,143 | $803K | Reduce -12.1% |
| AMGN Amgen Inc. | 0.29% | 2,874 | $802K | Reduce -1.4% |
| DHR Danaher Corp. | 0.29% | 4,051 | $800K | Reduce -1.3% |
| XLC SS Comm Select Sector SPDR | 0.29% | 7,243 | $786K | Reduce -0.4% |
| MRK Merck & Co. Inc. | 0.28% | 9,828 | $778K | Reduce -4.0% |
| GEV GE Vernova Inc. | 0.27% | 1,397 | $739K | Add +37.1% |
| IBDR iShares Ibonds Dec 2026 Term | 0.26% | 29,760 | $722K | Add +14.1% |
| C Citigroup Inc. | 0.26% | 8,349 | $711K | Reduce -1.6% |
| CSX CSX Corp. | 0.25% | 21,486 | $701K | Reduce -20.3% |
| IJH iShares Core S&P Midcap ETF | 0.25% | 11,015 | $683K | Reduce -1.5% |
| DE Deere & Co. | 0.25% | 1,339 | $681K | Reduce -2.5% |
| AXP American Express Co. | 0.25% | 2,134 | $681K | Reduce -0.7% |
| UNH Unitedhealth Group Inc. | 0.24% | 2,126 | $663K | Reduce -15.0% |
| T AT&T Inc. | 0.24% | 22,586 | $653K | Reduce -7.2% |
| VLO Valero Energy Corp. | 0.23% | 4,811 | $647K | Reduce -2.0% |
| WMB Williams Cos Inc. | 0.23% | 10,032 | $630K | Reduce -1.3% |
| XLE SS Energy Select Sector | 0.23% | 7,412 | $629K | Reduce -5.3% |
| GLD SPDR Gold Shares | 0.22% | 2,031 | $619K | Add +50.9% |
| LOW Lowe's Cos Inc. | 0.22% | 2,769 | $614K | Reduce -2.3% |
| CVS CVS Health Corp. | 0.22% | 8,722 | $602K | Reduce -3.5% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.22% | 12,640 | $598K | Reduce -2.3% |
| FTEC Fidelity MSCI Info Tech Indx | 0.21% | 2,980 | $588K | No change |
| EMR Emerson Electric Co. | 0.20% | 4,194 | $559K | Reduce -0.6% |
| XLV SS Health Care Select Sector | 0.20% | 4,047 | $545K | Reduce -17.8% |
| AMT American Tower Corp. | 0.18% | 2,203 | $487K | Reduce -5.8% |
| DUK Duke Energy Corp. | 0.17% | 4,063 | $479K | Reduce -2.6% |
| VEA Vanguard Ftse Developed ETF | 0.17% | 8,398 | $479K | Reduce -6.9% |
| INTC Intel Corp. | 0.17% | 21,051 | $471K | Reduce -20.4% |
| MMM 3M Co. | 0.17% | 3,051 | $464K | Reduce -1.9% |
| PM Philip Morris International | 0.16% | 2,415 | $440K | Add +9.0% |
Portfolio Sells Q1 2025 → Q2 2025
| AAPL Apple Inc. | Reduce -4.2% | 5.05% | −1.09 |
| LLY Eli Lilly & Co. | Reduce -16.3% | 1.07% | −0.39 |
| PG The Procter & Gamble Co. | Reduce -3.6% | 1.60% | −0.31 |
| PEP Pepsico Inc. | Reduce -5.8% | 0.92% | −0.27 |
| UNH Unitedhealth Group Inc. | Reduce -15.0% | 0.24% | −0.27 |
| JNJ Johnson & Johnson | Reduce -3.8% | 1.25% | −0.27 |
| MCD McDonald's Corp. | Reduce -3.7% | 1.20% | −0.23 |
| ABBV Abbvie Inc. | Reduce -0.0% | 1.07% | −0.23 |
| BMY Bristol-Myers Squibb Co. | Reduce -7.4% | 0.40% | −0.21 |
| TIP iShares Tips Bond ETF | Reduce -6.2% | 1.22% | −0.19 |
| XOM Exxon Mobil Corp. | Reduce -0.5% | 0.92% | −0.18 |
| WM Waste Management Inc. | Reduce -9.3% | 0.80% | −0.16 |
| LMT Lockheed Martin Corp. | Reduce -8.5% | 0.89% | −0.12 |
| HD Home Depot Inc. | Reduce -0.8% | 1.27% | −0.11 |
| MDY State Street SPDR S&P Midcap | Reduce -3.4% | 2.13% | −0.10 |
| NEE Nextera Energy Inc. | Reduce -4.7% | 0.64% | −0.10 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.0% | 1.37% | −0.08 |
| XLV SS Health Care Select Sector | Reduce -17.8% | 0.20% | −0.08 |
| PFE Pfizer Inc. | Reduce -12.1% | 0.29% | −0.08 |
| KO The Coca-Cola Co. | Reduce -1.0% | 0.77% | −0.08 |
| MRK Merck & Co. Inc. | Reduce -4.0% | 0.28% | −0.08 |
| SO The Southern Co. | Reduce -6.6% | 0.47% | −0.07 |
| SUSA iShares ESG Optimized MSCI U | Reduce -69.0% | 0.03% | −0.07 |
| APD Air Products & Chemicals Inc. | Reduce -63.5% | 0.03% | −0.07 |
| PSX Phillips 66 | Reduce -4.5% | 0.41% | −0.07 |
| AMGN Amgen Inc. | Reduce -1.4% | 0.29% | −0.06 |
| INTC Intel Corp. | Reduce -20.4% | 0.17% | −0.06 |
| ACN Accenture PLC Class A | Reduce -6.8% | 0.30% | −0.06 |
| XLE SS Energy Select Sector | Reduce -5.3% | 0.23% | −0.06 |
| CSX CSX Corp. | Reduce -20.3% | 0.25% | −0.06 |
| UPS United Parcel Service Class B | Reduce -45.5% | 0.05% | −0.05 |
| V Visa Inc. Class A | Reduce -1.8% | 0.63% | −0.05 |
| QCOM Qualcomm Inc. | Reduce -4.8% | 0.56% | −0.05 |
| CL Colgate-Palmolive Co. | Reduce -1.0% | 0.42% | −0.05 |
| TGT Target Corp. | Reduce -14.5% | 0.14% | −0.04 |
| CALF PCR US SM CP CSH CWS ETF-Usd | Reduce -33.7% | 0.08% | −0.04 |
| PRU Prudential Financial Inc. | Reduce -18.2% | 0.11% | −0.04 |
| MET Metlife Inc. | Reduce -1.2% | 0.45% | −0.04 |
| DHR Danaher Corp. | Reduce -1.3% | 0.29% | −0.04 |
| XLY SS Consumer Disc Select Sect | Reduce -78.1% | 0.01% | −0.04 |
| IWR iShares Russell Mid-Cap ETF | Reduce -31.5% | 0.08% | −0.04 |
| ADP Automatic Data Processing | Reduce -2.3% | 0.39% | −0.04 |
| REGN Regeneron Pharmaceuticals | Reduce -11.3% | 0.08% | −0.04 |
| LOW Lowe's Cos Inc. | Reduce -2.3% | 0.22% | −0.04 |
| NUE Nucor Corp. | Reduce -37.8% | 0.06% | −0.03 |
| T AT&T Inc. | Reduce -7.2% | 0.24% | −0.03 |
| BDX Becton Dickinson and Co. | Reduce -2.3% | 0.07% | −0.03 |
| IWO iShares Russell 2000 Growth | Reduce -24.9% | 0.11% | −0.03 |
| DFS Discover Financial Services | Sold out | 0.00% | −0.03 |
| COST Costco Wholesale Corp. | Reduce -2.1% | 0.54% | −0.03 |
Portfolio Buys Q1 2025 → Q2 2025
| NVDA Nvidia Corp. | Add +1.0% | 5.24% | +1.41 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +5.2% | 13.22% | +0.97 |
| MSFT Microsoft Corp. | Add +0.3% | 4.43% | +0.84 |
| VTHR Vanguard Russell 3000 | Add +20.3% | 2.44% | +0.47 |
| META Meta Platforms Inc. Class A | Add +5.7% | 1.51% | +0.31 |
| AMZN Amazon.com Inc. | Add +1.1% | 2.98% | +0.23 |
| IWF iShares Russell 1000 Growth | Add +6.7% | 1.56% | +0.22 |
| GEV GE Vernova Inc. | Add +37.1% | 0.27% | +0.15 |
| NFLX Netflix Inc. | Add +3.4% | 0.47% | +0.13 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +2.9% | 1.00% | +0.12 |
| TSLA Tesla Inc. | Add +3.9% | 0.59% | +0.09 |
| IBM Intl Business Machines Corp. | Add +0.9% | 0.90% | +0.09 |
| SMH Vaneck Semiconductor ETF | Add +0.3% | 0.41% | +0.08 |
| GLD SPDR Gold Shares | Add +50.9% | 0.22% | +0.07 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +28.3% | 0.40% | +0.07 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +15.2% | 0.84% | +0.06 |
| MS Morgan Stanley | Add +11.2% | 0.30% | +0.06 |
| EFA iShares MSCI Eafe ETF | Add +10.0% | 0.48% | +0.05 |
| IBCA iShares Ibonds Dec 2035 TC | New | 0.05% | +0.05 |
| OEF iShares S&P 100 ETF | Add +3.0% | 0.61% | +0.04 |
| IBDX iShares Ibonds Dec 2032 TC | Add +15.1% | 0.51% | +0.04 |
| COF Capital One Financial Corp. | Add +112.8% | 0.07% | +0.04 |
| VTI VG Morningstar TS MKT ETF-US | Add +2.9% | 0.68% | +0.04 |
| YUM Yum! Brands Inc. | Add +89.7% | 0.08% | +0.03 |
| BND Vanguard Total Bond Market | Add +36.1% | 0.14% | +0.03 |
| SPHQ Invesco S&P 500 Quality ETF | New | 0.03% | +0.03 |
| BBUS JPMorgan Betabuilders US Equ | Add +25.3% | 0.12% | +0.03 |
| AGG iShares Core U.S. Aggregate | Add +9.7% | 1.25% | +0.03 |
| FTNYX Nomur Tax-Free New York FD-A | New | 0.03% | +0.03 |
| GLW Corning Inc. | Add +34.5% | 0.07% | +0.02 |
| PM Philip Morris International | Add +9.0% | 0.16% | +0.02 |
| EFX Equifax Inc. | New | 0.02% | +0.02 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +8.6% | 0.92% | +0.02 |
| DSTL Distillate US Fundamental St | New | 0.02% | +0.02 |
| IBDR iShares Ibonds Dec 2026 Term | Add +14.1% | 0.26% | +0.02 |
| CNQ Canadian Natural Resources | Add +317.1% | 0.02% | +0.01 |
| NASDX Shelton Nasdaq-100 Index-Inv | New | 0.01% | +0.01 |
| TSM Taiwan Semiconductor-SP ADR | Add +16.6% | 0.04% | +0.01 |
| SLV iShares Silver Trust | Add +28.1% | 0.06% | +0.01 |
| IBDT iShares Ibonds Dec 2028 ETF | Add +8.6% | 0.85% | +0.01 |
| DTE DTE Energy Company | Add +40.5% | 0.06% | +0.01 |
| PLTR Palantir Technologies Inc. Class A | Add +185.0% | 0.01% | +0.01 |
| AMCR Amcor PLC | New | 0.01% | +0.01 |
| PH Parker Hannifin Corp. | Add +50.0% | 0.02% | +0.01 |
| HON Honeywell International Inc. | Add +0.6% | 0.30% | +0.01 |
| SYY Sysco Corp. | Add +42.6% | 0.03% | +0.01 |
| FLJP Franklin Ftse Japan ETF | New | 0.01% | +0.01 |
| DHI D.R. Horton Inc. | Add +53.2% | 0.02% | +0.01 |
| PNC PNC Financial Services Group | Add +25.9% | 0.03% | +0.01 |
| EZU iShares MSCI Eurozone ETF | 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 |