Adirondack Trust Co.
In its 13F for Q4 2025 (holdings as of December 31, 2025, filed January 8, 2026), Adirondack Trust Co. reported 536 stock positions worth $304.0 million. Its top holding was SS SPDR S&P 500 ETF Trust-US (SPY) at 13.2% of the portfolio, followed by Apple (AAPL, 6.0%) and Nvidia (NVDA, 5.5%). Compared with Q3 2025, it opened 51 new positions, sold out of 25, added to 65 and reduced 143. The biggest buy was Vanguard Russell 3000 (VTHR, shares +15%) and the biggest sale Microsoft (MSFT, shares −0%).
- Most Recent 13F
- Q2 2026
- Location
- SARATOGA SPRINGS, NY
- CIK
- 0001054257
- Portfolio Value
- $304.0M (Q4 2025)
- SEC Filing
- 0001054257-26-000001 ↗ filed Jan 8, 2026
Holdings Value
Holdings 536 stocks · $304.0M
| SPY SS SPDR S&P 500 ETF Trust-US | 13.16% | 58,676 | $40.0M | Reduce -1.1% |
| AAPL Apple Inc. | 6.02% | 67,281 | $18.3M | Reduce -1.3% |
| NVDA Nvidia Corp. | 5.49% | 89,488 | $16.7M | Reduce -0.7% |
| MSFT Microsoft Corp. | 3.88% | 24,414 | $11.8M | Reduce -0.3% |
| AMZN Amazon.com Inc. | 2.87% | 37,800 | $8.7M | Add +0.4% |
| VTHR Vanguard Russell 3000 | 2.87% | 29,028 | $8.7M | Add +15.2% |
| JPM JPMorgan Chase & Co. | 2.30% | 21,741 | $7.0M | Reduce -1.3% |
| MDY State Street SPDR S&P Midcap | 2.05% | 10,308 | $6.2M | Reduce -1.5% |
| IWF iShares Russell 1000 Growth | 1.82% | 11,699 | $5.5M | Add +9.5% |
| BRK.B Berkshire Hathaway Inc. Class B | 1.61% | 9,746 | $4.9M | Reduce -3.2% |
| JNJ Johnson & Johnson | 1.49% | 21,853 | $4.5M | Reduce -2.0% |
| CAT Caterpillar Inc. | 1.48% | 7,829 | $4.5M | Reduce -0.9% |
| LLY Eli Lilly & Co. | 1.38% | 3,915 | $4.2M | Reduce -3.7% |
| IJR iShares Core S&P Small-Cap E | 1.31% | 33,033 | $4.0M | Reduce -3.3% |
| META Meta Platforms Inc. Class A | 1.29% | 5,936 | $3.9M | Add +1.4% |
| PG The Procter & Gamble Co. | 1.28% | 27,153 | $3.9M | Reduce -2.3% |
| MCD McDonald's Corp. | 1.13% | 11,222 | $3.4M | Reduce -0.9% |
| AGG iShares Core U.S. Aggregate | 1.12% | 34,098 | $3.4M | No change |
| IBDW iShares Ibonds Dec 2031 Corp. | 1.08% | 155,301 | $3.3M | Add +15.4% |
| ABBV Abbvie Inc. | 1.07% | 14,227 | $3.3M | Reduce -2.4% |
| HD Home Depot Inc. | 1.06% | 9,394 | $3.2M | Reduce -0.9% |
| TIP iShares Tips Bond ETF | 1.03% | 28,423 | $3.1M | Reduce -7.0% |
| VUG Vanguard Mrngstar GR ETF-Sui | 1.03% | 6,388 | $3.1M | Add +1.2% |
| IBDV iShares Ibonds Dec 2030 Corp. | 0.96% | 132,826 | $2.9M | Add +14.8% |
| IBDU iShares Ibonds Dec 2029 Term | 0.95% | 122,958 | $2.9M | Add +11.0% |
| XOM Exxon Mobil Corp. | 0.94% | 23,705 | $2.9M | Reduce -0.7% |
| XLK SS Technology Select Sector | 0.91% | 19,122 | $2.8M | Add +0.6% |
| VTI VG Morningstar TS MKT ETF-US | 0.90% | 8,164 | $2.7M | Add +1.6% |
| WMT Walmart Inc. | 0.89% | 24,188 | $2.7M | Reduce -0.7% |
| IBDT iShares Ibonds Dec 2028 ETF | 0.86% | 102,725 | $2.6M | Add +6.8% |
| PEP Pepsico Inc. | 0.83% | 17,651 | $2.5M | Reduce -5.0% |
| IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS | 0.82% | 8,371 | $2.5M | Reduce -0.6% |
| CSCO Cisco Systems Inc. | 0.79% | 31,216 | $2.4M | Reduce -1.7% |
| CVX Chevron Corp. | 0.79% | 15,729 | $2.4M | Reduce -1.9% |
| LMT Lockheed Martin Corp. | 0.75% | 4,688 | $2.3M | Reduce -0.7% |
| TSLA Tesla Inc. | 0.72% | 4,886 | $2.2M | Reduce -2.0% |
| AMAT Applied Materials Inc. | 0.70% | 8,246 | $2.1M | Add +0.1% |
| KO The Coca-Cola Co. | 0.68% | 29,755 | $2.1M | Reduce -0.4% |
| WM Waste Management Inc. | 0.68% | 9,420 | $2.1M | Reduce -2.0% |
| IBDX iShares Ibonds Dec 2032 TC | 0.66% | 79,150 | $2.0M | Add +22.9% |
| NEE Nextera Energy Inc. | 0.65% | 24,595 | $2.0M | Reduce -1.6% |
| OEF iShares S&P 100 ETF | 0.63% | 5,545 | $1.9M | No change |
| VO Vngrd Mrngstr MD-Cap ETF-Usd | 0.58% | 6,038 | $1.8M | No change |
| V Visa Inc. Class A | 0.55% | 4,731 | $1.7M | Reduce -2.6% |
| QCOM Qualcomm Inc. | 0.52% | 9,291 | $1.6M | Reduce -2.5% |
| ORCL Oracle Corp. | 0.52% | 8,096 | $1.6M | Reduce -0.9% |
| IBDY iShares Ibonds Dec 2033 Corp. | 0.51% | 59,751 | $1.6M | Add +15.4% |
| SMH Vaneck Semiconductor ETF | 0.50% | 4,198 | $1.5M | Add +3.6% |
| BLK BlackRock Inc. | 0.46% | 1,309 | $1.4M | Reduce -1.1% |
| AMD Advanced Micro Devices | 0.46% | 6,503 | $1.4M | Reduce -0.3% |
| COST Costco Wholesale Corp. | 0.42% | 1,476 | $1.3M | Reduce -2.5% |
| BMY Bristol-Myers Squibb Co. | 0.41% | 23,165 | $1.2M | Reduce -0.9% |
| SYK Stryker Corp. | 0.41% | 3,552 | $1.2M | Reduce -12.8% |
| VEA Vanguard Ftse Developed ETF | 0.40% | 19,259 | $1.2M | Add +129.3% |
| SO The Southern Co. | 0.39% | 13,648 | $1.2M | Reduce -2.3% |
| PSX Phillips 66 | 0.39% | 9,211 | $1.2M | Reduce -1.8% |
| DIS The Walt Disney Co. filed as DISNEY WALT CO | 0.38% | 10,123 | $1.2M | Reduce -3.3% |
| IWD iShares Russell 1000 Value E | 0.38% | 5,437 | $1.1M | Add +11.3% |
| ABT Abbott Laboratories | 0.37% | 9,007 | $1.1M | Reduce -1.4% |
| NFLX Netflix Inc. | 0.36% | 11,677 | $1.1M | Add +5.8% |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | 0.36% | 44,479 | $1.1M | Add +7.6% |
| MS Morgan Stanley | 0.34% | 5,845 | $1.0M | Reduce -0.4% |
| EFA iShares MSCI Eafe ETF | 0.32% | 10,143 | $974K | Reduce -37.3% |
| GEV GE Vernova Inc. | 0.32% | 1,472 | $962K | Add +0.3% |
| MRK Merck & Co. Inc. | 0.31% | 9,014 | $949K | Reduce -6.2% |
| VZ Verizon Communications Inc. | 0.31% | 23,285 | $948K | Reduce -1.6% |
| CL Colgate-Palmolive Co. | 0.31% | 11,945 | $944K | Reduce -2.5% |
| C Citigroup Inc. | 0.31% | 8,077 | $942K | Reduce -0.7% |
| GD General Dynamics Corp. | 0.31% | 2,779 | $936K | Reduce -0.2% |
| DHR Danaher Corp. | 0.29% | 3,907 | $894K | Reduce -0.1% |
| ADP Automatic Data Processing | 0.29% | 3,433 | $883K | Reduce -2.5% |
| GLD SPDR Gold Shares | 0.28% | 2,118 | $839K | Reduce -1.6% |
| AMGN Amgen Inc. | 0.27% | 2,531 | $828K | Reduce -4.2% |
| XLC SS Comm Select Sector SPDR | 0.27% | 6,850 | $806K | Add +0.2% |
| IBDR iShares Ibonds Dec 2026 Term | 0.26% | 33,145 | $803K | Add +6.4% |
| IBCA iShares Ibonds Dec 2035 TC | 0.26% | 30,605 | $794K | Add +50.2% |
| BBUS JPMorgan Betabuilders US Equ | 0.26% | 6,425 | $792K | Add +39.2% |
| VLO Valero Energy Corp. | 0.26% | 4,784 | $779K | Reduce -0.0% |
| MET Metlife Inc. | 0.25% | 9,739 | $769K | Reduce -2.1% |
| XLF SS Financial Select Sector | 0.25% | 14,002 | $767K | Reduce -5.5% |
| INTC Intel Corp. | 0.25% | 20,267 | $748K | Reduce -1.9% |
| AXP American Express Co. | 0.24% | 1,972 | $730K | Reduce -3.2% |
| ACN Accenture PLC Class A | 0.24% | 2,679 | $719K | Reduce -4.3% |
| IJH iShares Core S&P Midcap ETF | 0.23% | 10,823 | $714K | No change |
| BAC Bank of America Corp. filed as BANK AMERICA CORP | 0.23% | 12,965 | $713K | Reduce -0.3% |
| PFE Pfizer Inc. | 0.22% | 27,252 | $678K | Reduce -6.0% |
| FTEC Fidelity MSCI Info Tech Indx | 0.22% | 2,980 | $670K | No change |
| LOW Lowe's Cos Inc. | 0.21% | 2,699 | $651K | No change |
| XLE SS Energy Select Sector | 0.21% | 14,244 | $637K | Reduce -0.9% |
| DE Deere & Co. | 0.21% | 1,339 | $623K | No change |
| VB Vanguard Most SM-Cap ETF-Usd | 0.20% | 2,416 | $623K | Add +24.1% |
| EMR Emerson Electric Co. | 0.20% | 4,694 | $623K | No change |
| WMB Williams Cos Inc. | 0.19% | 9,775 | $588K | Reduce -0.8% |
| DUK Duke Energy Corp. | 0.19% | 4,990 | $585K | Add +0.3% |
| T AT&T Inc. | 0.18% | 22,302 | $554K | Reduce -4.0% |
| XLV SS Health Care Select Sector | 0.18% | 3,531 | $547K | Reduce -1.6% |
| MMM 3M Co. | 0.16% | 2,966 | $475K | Reduce -0.7% |
| SPMO Invesco S&P 500 Momentum ETF | 0.16% | 3,969 | $474K | Add +143.8% |
| HON Honeywell International Inc. | 0.15% | 2,402 | $469K | Reduce -1.3% |
| CVS CVS Health Corp. | 0.15% | 5,596 | $444K | Reduce -1.9% |
Other holdings (1): bonds, preferreds, convertibles and warrants · $3 (not counted above)
| Security | Class | Shares / Principal | Value | Change |
|---|---|---|---|---|
| GME.WS Gamestop Corp. | *W EXP 10/30/202 | 1 | $3 | No change |
Total filed on the 13F, all lines: $304.0M.
Portfolio Sells Q3 2025 → Q4 2025
| MSFT Microsoft Corp. | Reduce -0.3% | 3.88% | −0.37 |
| ORCL Oracle Corp. | Reduce -0.9% | 0.52% | −0.25 |
| HD Home Depot Inc. | Reduce -0.9% | 1.06% | −0.23 |
| EFA iShares MSCI Eafe ETF | Reduce -37.3% | 0.32% | −0.19 |
| PG The Procter & Gamble Co. | Reduce -2.3% | 1.28% | −0.15 |
| NVDA Nvidia Corp. | Reduce -0.7% | 5.49% | −0.15 |
| TIP iShares Tips Bond ETF | Reduce -7.0% | 1.03% | −0.11 |
| SPY SS SPDR S&P 500 ETF Trust-US | Reduce -1.1% | 13.16% | −0.10 |
| SYK Stryker Corp. | Reduce -12.8% | 0.41% | −0.09 |
| BRK.B Berkshire Hathaway Inc. Class B | Reduce -3.2% | 1.61% | −0.09 |
| UNH Unitedhealth Group Inc. | Reduce -33.7% | 0.10% | −0.06 |
| ABBV Abbvie Inc. | Reduce -2.4% | 1.07% | −0.06 |
| IBDQ iShares Ibonds Dec 2025 Term | Sold out | 0.00% | −0.06 |
| BLK BlackRock Inc. | Reduce -1.1% | 0.46% | −0.06 |
| ADP Automatic Data Processing | Reduce -2.5% | 0.29% | −0.06 |
| IJR iShares Core S&P Small-Cap E | Reduce -3.3% | 1.31% | −0.06 |
| SO The Southern Co. | Reduce -2.3% | 0.39% | −0.05 |
| COST Costco Wholesale Corp. | Reduce -2.5% | 0.42% | −0.05 |
| TDVG T Rowe Price Dividend Growth | Reduce -58.6% | 0.03% | −0.05 |
| MDY State Street SPDR S&P Midcap | Reduce -1.5% | 2.05% | −0.05 |
| CVX Chevron Corp. | Reduce -1.9% | 0.79% | −0.05 |
| LMT Lockheed Martin Corp. | Reduce -0.7% | 0.75% | −0.04 |
| PEP Pepsico Inc. | Reduce -5.0% | 0.83% | −0.04 |
| ABT Abbott Laboratories | Reduce -1.4% | 0.37% | −0.04 |
| T AT&T Inc. | Reduce -4.0% | 0.18% | −0.04 |
| PSX Phillips 66 | Reduce -1.8% | 0.39% | −0.04 |
| VZ Verizon Communications Inc. | Reduce -1.6% | 0.31% | −0.04 |
| K Kellanova | Sold out | 0.00% | −0.03 |
| WM Waste Management Inc. | Reduce -2.0% | 0.68% | −0.03 |
| JPM JPMorgan Chase & Co. | Reduce -1.3% | 2.30% | −0.03 |
| MCD McDonald's Corp. | Reduce -0.9% | 1.13% | −0.03 |
| PFE Pfizer Inc. | Reduce -6.0% | 0.22% | −0.02 |
| ADBE Adobe Inc. | Reduce -18.9% | 0.09% | −0.02 |
| CMCSA Comcast Corp. Class A | Reduce -27.4% | 0.05% | −0.02 |
| DIS The Walt Disney Co. | Reduce -3.3% | 0.38% | −0.02 |
| AMT American Tower Corp. | Reduce -6.7% | 0.11% | −0.02 |
| MET Metlife Inc. | Reduce -2.1% | 0.25% | −0.02 |
| TSLA Tesla Inc. | Reduce -2.0% | 0.72% | −0.02 |
| TGT Target Corp. | Reduce -22.9% | 0.09% | −0.02 |
| CL Colgate-Palmolive Co. | Reduce -2.5% | 0.31% | −0.02 |
| HON Honeywell International Inc. | Reduce -1.3% | 0.15% | −0.02 |
| ITW Illinois Tool Works | Reduce -19.3% | 0.05% | −0.02 |
| VLO Valero Energy Corp. | Reduce -0.0% | 0.26% | −0.02 |
| WMB Williams Cos Inc. | Reduce -0.8% | 0.19% | −0.02 |
| SRE Sempra | Reduce -42.7% | 0.02% | −0.02 |
| VIG Vanguard Dividend Apprec ETF | Reduce -14.3% | 0.09% | −0.02 |
| MPC Marathon Petroleum Corp. | Reduce -6.1% | 0.05% | −0.02 |
| XLF SS Financial Select Sector | Reduce -5.5% | 0.25% | −0.02 |
| XLI SS Industrial Select Sector | Reduce -12.3% | 0.10% | −0.02 |
| ROST Ross Stores Inc. | Sold out | 0.00% | −0.01 |
Portfolio Buys Q3 2025 → Q4 2025
| VTHR Vanguard Russell 3000 | Add +15.2% | 2.87% | +0.38 |
| VEA Vanguard Ftse Developed ETF | Add +129.3% | 0.40% | +0.23 |
| IWF iShares Russell 1000 Growth | Add +9.5% | 1.82% | +0.14 |
| AMAT Applied Materials Inc. | Add +0.1% | 0.70% | +0.13 |
| IBDW iShares Ibonds Dec 2031 Corp. | Add +15.4% | 1.08% | +0.12 |
| IBDX iShares Ibonds Dec 2032 TC | Add +22.9% | 0.66% | +0.11 |
| IBDV iShares Ibonds Dec 2030 Corp. | Add +14.8% | 0.96% | +0.10 |
| AMZN Amazon.com Inc. | Add +0.4% | 2.87% | +0.10 |
| SPMO Invesco S&P 500 Momentum ETF | Add +143.8% | 0.16% | +0.09 |
| IBCA iShares Ibonds Dec 2035 TC | Add +50.2% | 0.26% | +0.08 |
| FTNY FR New York Muni Inc. ETF | New | 0.08% | +0.08 |
| IBDU iShares Ibonds Dec 2029 Term | Add +11.0% | 0.95% | +0.07 |
| BBUS JPMorgan Betabuilders US Equ | Add +39.2% | 0.26% | +0.07 |
| VNJUX Vanguard NJ Long TRM T/E-Adm | New | 0.07% | +0.07 |
| IBDY iShares Ibonds Dec 2033 Corp. | Add +15.4% | 0.51% | +0.06 |
| SMH Vaneck Semiconductor ETF | Add +3.6% | 0.50% | +0.05 |
| IWD iShares Russell 1000 Value E | Add +11.3% | 0.38% | +0.04 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +24.1% | 0.20% | +0.04 |
| IBDT iShares Ibonds Dec 2028 ETF | Add +6.8% | 0.86% | +0.04 |
| IBDS Ishrs Ibnds Dec 27 Corp. ETF | Add +7.6% | 0.36% | +0.02 |
| Q Qnity Electronics Inc. | New | 0.02% | +0.02 |
| IYW iShares Ustechnology ETF | Add +62.7% | 0.04% | +0.02 |
| VTI VG Morningstar TS MKT ETF-US | Add +1.6% | 0.90% | +0.02 |
| GEV GE Vernova Inc. | Add +0.3% | 0.32% | +0.01 |
| VRTX Vertex Pharmaceuticals Inc. | Add +5.7% | 0.07% | +0.01 |
| IBMT iShares Ibonds Dec 2031 Muni | New | 0.01% | +0.01 |
| CRM Salesforce Inc. | Add +0.1% | 0.12% | +0.01 |
| FNDX Schwab Fndmntl US LRG Co. ETF | Add +47.4% | 0.03% | +0.01 |
| IBDR iShares Ibonds Dec 2026 Term | Add +6.4% | 0.26% | +0.01 |
| GATX Gatx Corp. | Add +50.0% | 0.03% | +0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Add +1.2% | 1.03% | +0.01 |
| NEM Newmont Corp. | Add +6.1% | 0.05% | +0.01 |
| TSM Taiwan Semiconductor-SP ADR | Add +8.8% | 0.06% | +0.01 |
| AZN Astrazeneca PLC-Spons ADR | Add +8.6% | 0.03% | +0.01 |
| XLK SS Technology Select Sector | Add +0.6% | 0.91% | +0.01 |
| GSLC Goldman Activebeta US LC ETF | New | 0.01% | +0.01 |
| VONG Vanguard Russell 1000 Growth | Add +24.4% | 0.03% | +0.01 |
| ROBO Robo Global Robotics and Aut | New | 0.01% | +0.01 |
| TMO Thermo Fisher Scientific Inc. | Add +24.6% | 0.02% | +0.00 |
| GDX Vaneck Gold Miners ETF | New | 0.00% | +0.00 |
| ISRG Intuitive Surgical Inc. | Add +22.0% | 0.01% | +0.00 |
| RHHBY Roche Holdings Ltd.-Spons ADR | Add +243.7% | 0.01% | +0.00 |
| WDC Western Digital Corp. | New | 0.00% | +0.00 |
| CDNS Cadence Design SYS Inc. | New | 0.00% | +0.00 |
| LHX L3HARRIS Technologies Inc. | Add +215.0% | 0.01% | +0.00 |
| DHLGY DHL AG - ADR | New | 0.00% | +0.00 |
| HBM Hudbay Minerals Inc. | New | 0.00% | +0.00 |
| MA Mastercard Inc. Class A | Add +4.5% | 0.14% | +0.00 |
| SQM Quimica Y Minera Chil-SP ADR | New | 0.00% | +0.00 |
| FNDF Schwab Fndmn Intl LRG Co. ETF | Add +25.6% | 0.01% | +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 |