Adirondack Trust Co.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed October 20, 2025), Adirondack Trust Co. reported 508 stock positions worth $298.2 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 13.3% of the portfolio, followed by Apple (AAPL, 5.8%) and Nvidia (NVDA, 5.6%). Compared with Q2 2025, it opened 41 new positions, sold out of 13, added to 71 and reduced 129. The biggest buy was Apple (AAPL, shares +1%) and the biggest sale Metlife (MET, shares −36%).
- Most Recent 13F
- Q2 2026
- Location
- SARATOGA SPRINGS, NY
- CIK
- 0001054257
- Portfolio Value
- $298.2M (Q3 2025)
- SEC Filing
- 0001054257-25-000008 ↗ filed Oct 20, 2025
Holdings Value
Holdings 508 stocks · $298.2M
| SPY SS SPDR S&P 500 ETF Trust-US | 13.26% | 59,341 | $39.5M | Add +0.7% |
| AAPL Apple Inc. | 5.82% | 68,162 | $17.4M | Add +0.6% |
| NVDA Nvidia Corp. | 5.64% | 90,075 | $16.8M | Reduce -1.4% |
| MSFT Microsoft Corp. | 4.25% | 24,487 | $12.7M | Reduce -0.2% |
| AMZN Amazon.com Inc. | 2.77% | 37,653 | $8.3M | Add +0.5% |
| VTHR Vanguard Russell 3000 | 2.49% | 25,203 | $7.4M | Add +2.1% |
| JPM JPMorgan Chase & Co. | 2.33% | 22,036 | $7.0M | Reduce -0.6% |
| MDY State Street SPDR S&P Midcap | 2.09% | 10,468 | $6.2M | Add +0.8% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.70% | 10,066 | $5.1M | Add +0.9% |
| IWF iShares Russell 1000 Growth | 1.68% | 10,686 | $5.0M | Add +5.4% |
| META Meta Platforms Inc. Class A | 1.44% | 5,851 | $4.3M | Add +3.9% |
| PG The Procter & Gamble Co. | 1.43% | 27,803 | $4.3M | Add +0.3% |
| JNJ Johnson & Johnson | 1.39% | 22,310 | $4.1M | Reduce -1.1% |
| IJR iShares Core S&P Small-Cap E | 1.36% | 34,169 | $4.1M | Reduce -1.2% |
| HD Home Depot Inc. | 1.29% | 9,481 | $3.8M | Reduce -0.7% |
| CAT Caterpillar Inc. | 1.26% | 7,897 | $3.8M | Reduce -0.2% |
| MCD McDonald's Corp. | 1.15% | 11,329 | $3.4M | Reduce -0.0% |
| AGG iShares Core U.S. Aggregate | 1.15% | 34,098 | $3.4M | Reduce -1.9% |
| TIP iShares Tips Bond ETF | 1.14% | 30,579 | $3.4M | No change |
| ABBV Abbvie Inc. | 1.13% | 14,572 | $3.4M | Reduce -8.6% |
| LLY Eli Lilly & Co. | 1.04% | 4,064 | $3.1M | Add +7.8% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.02% | 6,313 | $3.0M | Add +0.1% |
| IBDW iShares Ibonds Dec 2031 Corp. | 0.96% | 134,583 | $2.9M | Add +11.2% |
| XOM Exxon Mobil Corp. | 0.90% | 23,861 | $2.7M | Add +1.1% |
| XLK SS Technology Select Sector | 0.90% | 9,507 | $2.7M | Reduce -4.4% |
| VTI VG Morningstar TS MKT ETF-US | 0.88% | 8,034 | $2.6M | Add +30.8% |
| PEP Pepsico Inc. | 0.88% | 18,576 | $2.6M | Reduce -3.1% |
| IBDU iShares Ibonds Dec 2029 Term | 0.87% | 110,776 | $2.6M | Add +11.8% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.86% | 115,681 | $2.6M | Add +9.8% |
| WMT Walmart Inc. | 0.84% | 24,361 | $2.5M | Reduce -0.4% |
| CVX Chevron Corp. | 0.83% | 16,025 | $2.5M | Reduce -0.5% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.82% | 96,191 | $2.5M | Add +4.9% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.80% | 8,424 | $2.4M | Reduce -0.0% |
| LMT Lockheed Martin Corp. | 0.79% | 4,723 | $2.4M | Reduce -11.1% |
| ORCL Oracle Corp. | 0.77% | 8,170 | $2.3M | Reduce -0.1% |
| TSLA Tesla Inc. | 0.74% | 4,984 | $2.2M | Reduce -2.0% |
| CSCO Cisco Systems Inc. | 0.73% | 31,765 | $2.2M | Reduce -0.8% |
| WM Waste Management Inc. | 0.71% | 9,610 | $2.1M | Reduce -0.3% |
| KO The Coca-Cola Co. | 0.66% | 29,884 | $2.0M | Reduce -0.8% |
| NEE Nextera Energy Inc. | 0.63% | 24,985 | $1.9M | Reduce -1.3% |
| OEF iShares S&P 100 ETF | 0.62% | 5,545 | $1.8M | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.59% | 6,038 | $1.8M | No change |
| AMAT Applied Materials Inc. | 0.57% | 8,238 | $1.7M | Add +0.2% |
| V Visa Inc. Class A | 0.56% | 4,856 | $1.7M | Reduce -0.4% |
| IBDX iShares Ibonds Dec 2032 TC | 0.55% | 64,428 | $1.6M | Add +16.6% |
| QCOM Qualcomm Inc. | 0.53% | 9,524 | $1.6M | Reduce -0.8% |
| BLK BlackRock Inc. | 0.52% | 1,323 | $1.5M | Reduce -0.3% |
| EFA iShares MSCI Eafe ETF | 0.51% | 16,169 | $1.5M | Add +8.4% |
| SYK Stryker Corp. | 0.51% | 4,073 | $1.5M | Add +1.2% |
| COST Costco Wholesale Corp. | 0.47% | 1,513 | $1.4M | Add +0.1% |
| IBDY iShares Ibonds Dec 2033 Corp. | 0.46% | 51,765 | $1.4M | Add +23.2% |
| SO The Southern Co. | 0.44% | 13,968 | $1.3M | Reduce -1.3% |
| NFLX Netflix Inc. | 0.44% | 1,104 | $1.3M | Add +15.4% |
| SMH Vaneck Semiconductor ETF | 0.44% | 4,052 | $1.3M | Reduce -0.3% |
| PSX Phillips 66 | 0.43% | 9,382 | $1.3M | Reduce -0.5% |
| ABT Abbott Laboratories | 0.41% | 9,137 | $1.2M | Add +8.7% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.40% | 10,466 | $1.2M | Reduce -2.5% |
| AMD Advanced Micro Devices | 0.35% | 6,524 | $1.1M | Reduce -0.1% |
| BMY Bristol-Myers Squibb Co. | 0.35% | 23,368 | $1.1M | Reduce -1.4% |
| VZ Verizon Communications Inc. | 0.35% | 23,659 | $1.0M | Reduce -3.3% |
| ADP Automatic Data Processing | 0.35% | 3,522 | $1.0M | Reduce -0.1% |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | 0.34% | 41,354 | $1.0M | Add +4.4% |
| IWD iShares Russell 1000 Value E | 0.33% | 4,887 | $995K | Reduce -0.3% |
| CL Colgate-Palmolive Co. | 0.33% | 12,258 | $980K | Reduce -3.3% |
| GD General Dynamics Corp. | 0.32% | 2,785 | $950K | Reduce -0.4% |
| MS Morgan Stanley | 0.31% | 5,870 | $933K | Reduce -0.7% |
| GEV GE Vernova Inc. | 0.30% | 1,468 | $903K | Add +5.1% |
| C Citigroup Inc. | 0.28% | 8,131 | $825K | Reduce -2.6% |
| MET Metlife Inc. | 0.27% | 9,945 | $819K | Reduce -36.0% |
| VLO Valero Energy Corp. | 0.27% | 4,785 | $815K | Reduce -0.5% |
| XLC SS Comm Select Sector SPDR | 0.27% | 6,839 | $810K | Reduce -5.6% |
| MRK Merck & Co. Inc. | 0.27% | 9,610 | $807K | Reduce -2.2% |
| XLF SS Financial Select Sector | 0.27% | 14,817 | $798K | Reduce -4.4% |
| DHR Danaher Corp. | 0.26% | 3,909 | $775K | Reduce -3.5% |
| GLD SPDR Gold Shares | 0.26% | 2,152 | $765K | Add +6.0% |
| IBDR iShares Ibonds Dec 2026 Term | 0.25% | 31,162 | $757K | Add +4.7% |
| AMGN Amgen Inc. | 0.25% | 2,641 | $745K | Reduce -8.1% |
| PFE Pfizer Inc. | 0.25% | 28,978 | $738K | Reduce -12.6% |
| IJH iShares Core S&P Midcap ETF | 0.24% | 10,823 | $706K | Reduce -1.7% |
| INTC Intel Corp. | 0.23% | 20,664 | $693K | Reduce -1.8% |
| ACN Accenture PLC Class A | 0.23% | 2,800 | $690K | No change |
| LOW Lowe's Cos Inc. | 0.23% | 2,699 | $678K | Reduce -2.5% |
| AXP American Express Co. | 0.23% | 2,037 | $677K | Reduce -4.5% |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.22% | 13,000 | $671K | Add +2.9% |
| FTEC Fidelity MSCI Info Tech Indx | 0.22% | 2,980 | $662K | No change |
| T AT&T Inc. | 0.22% | 23,230 | $656K | Add +2.9% |
| XLE SS Energy Select Sector | 0.22% | 7,190 | $642K | Reduce -3.0% |
| WMB Williams Cos Inc. | 0.21% | 9,849 | $624K | Reduce -1.8% |
| DUK Duke Energy Corp. | 0.21% | 4,977 | $616K | Add +22.5% |
| EMR Emerson Electric Co. | 0.21% | 4,694 | $616K | Add +11.9% |
| DE Deere & Co. | 0.21% | 1,339 | $612K | No change |
| BBUS JPMorgan Betabuilders US Equ | 0.19% | 4,615 | $557K | Add +57.2% |
| IBCA iShares Ibonds Dec 2035 TC | 0.18% | 20,372 | $530K | Add +273.7% |
| HON Honeywell International Inc. | 0.17% | 2,434 | $512K | Reduce -32.3% |
| VEA Vanguard Ftse Developed ETF | 0.17% | 8,398 | $503K | No change |
| XLV SS Health Care Select Sector | 0.17% | 3,590 | $500K | Reduce -11.3% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.17% | 1,946 | $495K | Add +60.8% |
| UNH Unitedhealth Group Inc. | 0.17% | 1,429 | $493K | Reduce -32.8% |
| MMM 3M Co. | 0.16% | 2,988 | $464K | Reduce -2.1% |
| CSX CSX Corp. | 0.15% | 12,257 | $435K | Reduce -43.0% |
Portfolio Sells Q2 2025 → Q3 2025
| MET Metlife Inc. | Reduce -36.0% | 0.27% | −0.18 |
| MSFT Microsoft Corp. | Reduce -0.2% | 4.25% | −0.18 |
| HON Honeywell International Inc. | Reduce -32.3% | 0.17% | −0.13 |
| KO The Coca-Cola Co. | Reduce -0.8% | 0.66% | −0.11 |
| CSX CSX Corp. | Reduce -43.0% | 0.15% | −0.11 |
| AGG iShares Core U.S. Aggregate | Reduce -1.9% | 1.15% | −0.10 |
| IBM Intl Business Machines Corp. | Reduce -0.0% | 0.80% | −0.10 |
| LMT Lockheed Martin Corp. | Reduce -11.1% | 0.79% | −0.10 |
| CL Colgate-Palmolive Co. | Reduce -3.3% | 0.33% | −0.09 |
| WM Waste Management Inc. | Reduce -0.3% | 0.71% | −0.09 |
| DIS The Walt Disney Co. | Reduce -2.5% | 0.40% | −0.08 |
| CSCO Cisco Systems Inc. | Reduce -0.8% | 0.73% | −0.08 |
| UNH Unitedhealth Group Inc. | Reduce -32.8% | 0.17% | −0.08 |
| CVS CVS Health Corp. | Reduce -34.6% | 0.14% | −0.07 |
| V Visa Inc. Class A | Reduce -0.4% | 0.56% | −0.07 |
| ADP Automatic Data Processing | Reduce -0.1% | 0.35% | −0.05 |
| MCD McDonald's Corp. | Reduce -0.0% | 1.15% | −0.05 |
| BMY Bristol-Myers Squibb Co. | Reduce -1.4% | 0.35% | −0.04 |
| PFE Pfizer Inc. | Reduce -12.6% | 0.25% | −0.04 |
| PEP Pepsico Inc. | Reduce -3.1% | 0.88% | −0.04 |
| AMGN Amgen Inc. | Reduce -8.1% | 0.25% | −0.04 |
| AMT American Tower Corp. | Reduce -3.4% | 0.14% | −0.04 |
| VZ Verizon Communications Inc. | Reduce -3.3% | 0.35% | −0.04 |
| ADBE Adobe Inc. | Reduce -9.2% | 0.11% | −0.04 |
| DHR Danaher Corp. | Reduce -3.5% | 0.26% | −0.03 |
| TGT Target Corp. | Reduce -7.9% | 0.10% | −0.03 |
| XLV SS Health Care Select Sector | Reduce -11.3% | 0.17% | −0.03 |
| CRM Salesforce Inc. | Reduce -1.9% | 0.11% | −0.03 |
| SO The Southern Co. | Reduce -1.3% | 0.44% | −0.03 |
| XLF SS Financial Select Sector | Reduce -4.4% | 0.27% | −0.03 |
| WMT Walmart Inc. | Reduce -0.4% | 0.84% | −0.03 |
| TFI SS SPDR N Ice Muni Bond ETF | Sold out | 0.00% | −0.02 |
| QCOM Qualcomm Inc. | Reduce -0.8% | 0.53% | −0.02 |
| AXP American Express Co. | Reduce -4.5% | 0.23% | −0.02 |
| WMB Williams Cos Inc. | Reduce -1.8% | 0.21% | −0.02 |
| IYK iShares US Consumer Staples | Reduce -9.5% | 0.08% | −0.02 |
| SBUX Starbucks Corp. | Reduce -3.1% | 0.09% | −0.02 |
| LULU Lululemon Athletica Inc. | Reduce -2.6% | 0.04% | −0.02 |
| CMCSA Comcast Corp. Class A | Reduce -0.3% | 0.07% | −0.02 |
| SJM The JM Smucker Co. | Reduce -29.6% | 0.04% | −0.02 |
| XLI SS Industrial Select Sector | Reduce -9.1% | 0.11% | −0.02 |
| XLK SS Technology Select Sector | Reduce -4.4% | 0.90% | −0.02 |
| PRU Prudential Financial Inc. | Reduce -2.8% | 0.10% | −0.01 |
| UPS United Parcel Service Class B | Reduce -10.3% | 0.03% | −0.01 |
| XLC SS Comm Select Sector SPDR | Reduce -5.6% | 0.27% | −0.01 |
| MA Mastercard Inc. Class A | Reduce -2.7% | 0.13% | −0.01 |
| MMM 3M Co. | Reduce -2.1% | 0.16% | −0.01 |
| XLE SS Energy Select Sector | Reduce -3.0% | 0.22% | −0.01 |
| DOW Dow Inc. | Reduce -5.3% | 0.04% | −0.01 |
| IWD iShares Russell 1000 Value E | Reduce -0.3% | 0.33% | −0.01 |
Portfolio Buys Q2 2025 → Q3 2025
| AAPL Apple Inc. | Add +0.6% | 5.82% | +0.78 |
| VTI VG Morningstar TS MKT ETF-US | Add +30.8% | 0.88% | +0.21 |
| IBCA iShares Ibonds Dec 2035 TC | Add +273.7% | 0.18% | +0.13 |
| VEU Vanguard Ftse All-World Ex-U | New | 0.12% | +0.12 |
| IWF iShares Russell 1000 Growth | Add +5.4% | 1.68% | +0.12 |
| LCMMX Clearbridge LRG Cap Grow-O | New | 0.08% | +0.08 |
| VONE Vanguard Russell 1000 | New | 0.07% | +0.07 |
| BBUS JPMorgan Betabuilders US Equ | Add +57.2% | 0.19% | +0.07 |
| SPMO Invesco S&P 500 Momentum ETF | New | 0.07% | +0.07 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +60.8% | 0.17% | +0.06 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +23.2% | 0.46% | +0.06 |
| IBDX iShares Ibonds Dec 2032 TC | Add +16.6% | 0.55% | +0.05 |
| VTHR Vanguard Russell 3000 | Add +2.1% | 2.49% | +0.04 |
| SPY SS SPDR S&P 500 ETF Trust-US | Add +0.7% | 13.26% | +0.04 |
| GEV GE Vernova Inc. | Add +5.1% | 0.30% | +0.03 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +11.2% | 0.96% | +0.03 |
| DUK Duke Energy Corp. | Add +22.5% | 0.21% | +0.03 |
| IBDU iShares Ibonds Dec 2029 Term | Add +11.8% | 0.87% | +0.03 |
| GLD SPDR Gold Shares | Add +6.0% | 0.26% | +0.03 |
| FDX FedEx Corp. | Add +49.5% | 0.09% | +0.03 |
| VXUS Vanguard Total Intl Stock | Add +3160.0% | 0.03% | +0.03 |
| EFA iShares MSCI Eafe ETF | Add +8.4% | 0.51% | +0.02 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | New | 0.02% | +0.02 |
| AMAT Applied Materials Inc. | Add +0.2% | 0.57% | +0.02 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +9.8% | 0.86% | +0.02 |
| APH Amphenol Corp. Class A | Add +333.3% | 0.02% | +0.02 |
| ROST Ross Stores Inc. | New | 0.01% | +0.01 |
| BRO Brown & Brown Inc. | New | 0.01% | +0.01 |
| IWR iShares Russell Mid-Cap ETF | Add +20.6% | 0.10% | +0.01 |
| NLR Vaneck Urani & Nuclr ETF-Usd | Add +22.2% | 0.05% | +0.01 |
| HSY The Hershey Co. | Add +44.1% | 0.04% | +0.01 |
| RGTI Rigetti Computing Inc. | New | 0.01% | +0.01 |
| MAR Marriott International Class A | Add +254.0% | 0.02% | +0.01 |
| WFC Wells Fargo & Co. | Add +49.0% | 0.04% | +0.01 |
| BN Brookfield Corp. | New | 0.01% | +0.01 |
| SLV iShares Silver Trust | Add +0.1% | 0.08% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +0.1% | 1.02% | +0.01 |
| PGR Progressive Corp. | New | 0.01% | +0.01 |
| AZO AutoZone Inc. | New | 0.01% | +0.01 |
| VMC Vulcan Materials Co. | New | 0.01% | +0.01 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +109.8% | 0.02% | +0.01 |
| IONQ Ionq Inc. | New | 0.01% | +0.01 |
| FAST Fastenal Co. | New | 0.01% | +0.01 |
| CDW CDW Corp. | New | 0.01% | +0.01 |
| ADI Analog Devices Inc. | New | 0.01% | +0.01 |
| MKL Markel Group Inc. | Add +125.0% | 0.02% | +0.01 |
| HEI.A Heico Corp. Class A | New | 0.01% | +0.01 |
| SMR Nuscale Power Corp. | New | 0.01% | +0.01 |
| WY Weyerhaeuser Co. | New | 0.01% | +0.01 |
| BAC Bank of America Corp. | Add +2.9% | 0.22% | +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 |