ADIRONDACK TRUST CO

Filed: 10/20/2025ACC: 0001054257-25-000008

📋 What this filing means

ADIRONDACK TRUST CO filed this quarterly 13F‑HR report disclosing 508 equity positions with a total reported market value of $298.15M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

508

Positions

$298.15M

Total AUM (reported)

2.26M

Total Shares

Allocation by class

EXCHANGE TRADED FUND - EQUITY$81.76M27.4%

INFORMATION TECHNOLOGY$75.28M25.2%

EXCHANGE TRADED FUND-FIXED INC$23.46M7.9%

CONSUMER DISCRETIONARY$22.48M7.5%

HEALTHCARE$20.17M6.8%

FINANCIALS$20.12M6.7%

INDUSTRIALS$16.60M5.6%

Portfolio Concentration

Top 3$73.69M24.7%

4–10$51.62M17.3%

11–25$52.36M17.6%

Rest$120.47M40.4%

Top 3 weight

24.7%

Top 10 weight

42.0%

Voting Authority Distribution

Total shares with voting rights: 2.26M

Sole

Full voting authority

2.18M

% of voting shares96.2%

Shared

Joint voting authority

81.66K

% of voting shares3.6%

None

No voting authority

4.63K

% of voting shares0.2%

Investment Discretion (by position count)

Sole505

Shared0

Other3

Dominant voting typeSole · 96.2% of voting shares

Institutional Holdings508

Rows:

SPDR S & P 500 ETF TRUST

SOLE

EXCHANGE TRADED FUND - EQUITY

Shares59.34K

TypeSH

Market value$39.53M

13.26%

Sole

56.73K

Shared

2.62K

None

0.00

APPLE INC

SOLE

INFORMATION TECHNOLOGY

Shares68.16K

TypeSH

Market value$17.36M

5.82%

Sole

66.52K

Shared

1.56K

None

80.00

NVIDIA CORP.

SOLE

INFORMATION TECHNOLOGY

Shares90.08K

TypeSH

Market value$16.81M

5.64%

Sole

90.08K

Shared

0.00

None

0.00

MICROSOFT CORP

SOLE

INFORMATION TECHNOLOGY

Shares24.49K

TypeSH

Market value$12.68M

4.25%

Sole

22.77K

Shared

1.72K

None

0.00

AMAZON. COM, INC

SOLE

CONSUMER DISCRETIONARY

Shares37.65K

TypeSH

Market value$8.27M

2.77%

Sole

37.45K

Shared

200.00

None

0.00

ETF VANGUARD RUSSELL 3000

SOLE

EXCHANGE TRADED FUND - EQUITY

Shares25.20K

TypeSH

Market value$7.42M

2.49%

Sole

24.50K

Shared

700.00

None

0.00

JPMORGAN CHASE & CO COM

SOLE

FINANCIALS

Shares22.04K

TypeSH

Market value$6.95M

2.33%

Sole

21.02K

Shared

995.00

None

25.00

S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF

SOLE

EXCHANGE TRADED FUND - EQUITY

Shares10.47K

TypeSH

Market value$6.24M

2.09%

Sole

10.24K

Shared

185.00

None

47.00

BERKSHIRE HATHAWAY INC. DEL CLASS B

SOLE

FINANCIALS

Shares10.07K

TypeSH

Market value$5.06M

1.70%

Sole

10.03K

Shared

37.00

None

0.00

ISHARES RUSSELL 1000 GROWTH ETF

SOLE

EXCHANGE TRADED FUND - EQUITY

Shares10.69K

TypeSH

Market value$5.01M

1.68%

Sole

10.59K

Shared

0.00

None

98.00

META PLATFORMS INC

SOLE

INFORMATION TECHNOLOGY

Shares5.85K

TypeSH

Market value$4.30M

1.44%

Sole

5.85K

Shared

0.00

None

0.00

PROCTER & GAMBLE CO

SOLE

CONSUMER STAPLES

Shares27.80K

TypeSH

Market value$4.27M

1.43%

Sole

24.37K

Shared

3.40K

None

35.00

JOHNSON & JOHNSON

SOLE

HEALTHCARE

Shares22.31K

TypeSH

Market value$4.14M

1.39%

Sole

19.32K

Shared

2.96K

None

30.00

ISHARES CORE S&P SMALL-CAP ETF

SOLE

EXCHANGE TRADED FUND - EQUITY

Shares34.17K

TypeSH

Market value$4.06M

1.36%

Sole

32.87K

Shared

1.22K

None

80.00

HOME DEPOT INC

SOLE

CONSUMER DISCRETIONARY

Shares9.48K

TypeSH

Market value$3.84M

1.29%

Sole

8.05K

Shared

1.43K

None

0.00

CATERPILLAR INC

SOLE

INDUSTRIALS

Shares7.90K

TypeSH

Market value$3.77M

1.26%

Sole

7.42K

Shared

450.00

None

25.00

MCDONALDS CORP

SOLE

CONSUMER DISCRETIONARY

Shares11.33K

TypeSH

Market value$3.44M

1.15%

Sole

9.43K

Shared

1.88K

None

15.00

ISHARES CORE TOTAL US AGGREGATE BOND ETF

SOLE

EXCHANGE TRADED FUND-FIXED INC

Shares34.10K

TypeSH

Market value$3.42M

1.15%

Sole

34.10K

Shared

0.00

None

0.00

ISHARES TIPS BOND ETF

SOLE

EXCHANGE TRADED FUND-FIXED INC

Shares30.58K

TypeSH

Market value$3.40M

1.14%

Sole

29.88K

Shared

307.00

None

395.00

ABBVIE INC.

SOLE

HEALTHCARE

Shares14.57K

TypeSH

Market value$3.37M

1.13%

Sole

12.98K

Shared

1.59K

None

0.00

ELI LILLY & CO

SOLE

HEALTHCARE

Shares4.06K

TypeSH

Market value$3.10M

1.04%

Sole

3.98K

Shared

80.00

None

0.00

VANGUARD GROWTH ETF

SOLE

EXCHANGE TRADED FUND - EQUITY

Shares6.31K

TypeSH

Market value$3.03M

1.02%

Sole

6.31K

Shared

0.00

None

0.00

ISHARES IBONDS DEC 2031 TERM CORPORATE ETF

SOLE

EXCHANGE TRADED FUND-FIXED INC

Shares134.58K

TypeSH

Market value$2.85M

0.96%

Sole

130.19K

Shared

3.16K

None

1.23K

EXXON MOBIL CORP

SOLE

ENERGY

Shares23.86K

TypeSH

Market value$2.69M

0.90%

Sole

16.77K

Shared

7.09K

None

0.00

TECHNOLOGY SELECT SECT SPDR

SOLE

INFORMATION TECHNOLOGY

Shares9.51K

TypeSH

Market value$2.68M

0.90%

Sole

9.51K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	Shared	None
SPDR S & P 500 ETF TRUSTSOLE	EXCHANGE TRADED FUND - EQUITY	59.34K	SH	$39.53M 13.26%	56.73K	2.62K	0.00
APPLE INCSOLE	INFORMATION TECHNOLOGY	68.16K	SH	$17.36M 5.82%	66.52K	1.56K	80.00
NVIDIA CORP.SOLE	INFORMATION TECHNOLOGY	90.08K	SH	$16.81M 5.64%	90.08K	0.00	0.00
MICROSOFT CORPSOLE	INFORMATION TECHNOLOGY	24.49K	SH	$12.68M 4.25%	22.77K	1.72K	0.00
AMAZON. COM, INCSOLE	CONSUMER DISCRETIONARY	37.65K	SH	$8.27M 2.77%	37.45K	200.00	0.00
ETF VANGUARD RUSSELL 3000SOLE	EXCHANGE TRADED FUND - EQUITY	25.20K	SH	$7.42M 2.49%	24.50K	700.00	0.00
JPMORGAN CHASE & CO COMSOLE	FINANCIALS	22.04K	SH	$6.95M 2.33%	21.02K	995.00	25.00
S & P MIDCAP 400 DEPOSITORY RECEIPTS ETFSOLE	EXCHANGE TRADED FUND - EQUITY	10.47K	SH	$6.24M 2.09%	10.24K	185.00	47.00
BERKSHIRE HATHAWAY INC. DEL CLASS BSOLE	FINANCIALS	10.07K	SH	$5.06M 1.70%	10.03K	37.00	0.00
ISHARES RUSSELL 1000 GROWTH ETFSOLE	EXCHANGE TRADED FUND - EQUITY	10.69K	SH	$5.01M 1.68%	10.59K	0.00	98.00
META PLATFORMS INCSOLE	INFORMATION TECHNOLOGY	5.85K	SH	$4.30M 1.44%	5.85K	0.00	0.00
PROCTER & GAMBLE COSOLE	CONSUMER STAPLES	27.80K	SH	$4.27M 1.43%	24.37K	3.40K	35.00
JOHNSON & JOHNSONSOLE	HEALTHCARE	22.31K	SH	$4.14M 1.39%	19.32K	2.96K	30.00
ISHARES CORE S&P SMALL-CAP ETFSOLE	EXCHANGE TRADED FUND - EQUITY	34.17K	SH	$4.06M 1.36%	32.87K	1.22K	80.00
HOME DEPOT INCSOLE	CONSUMER DISCRETIONARY	9.48K	SH	$3.84M 1.29%	8.05K	1.43K	0.00
CATERPILLAR INCSOLE	INDUSTRIALS	7.90K	SH	$3.77M 1.26%	7.42K	450.00	25.00
MCDONALDS CORPSOLE	CONSUMER DISCRETIONARY	11.33K	SH	$3.44M 1.15%	9.43K	1.88K	15.00
ISHARES CORE TOTAL US AGGREGATE BOND ETFSOLE	EXCHANGE TRADED FUND-FIXED INC	34.10K	SH	$3.42M 1.15%	34.10K	0.00	0.00
ISHARES TIPS BOND ETFSOLE	EXCHANGE TRADED FUND-FIXED INC	30.58K	SH	$3.40M 1.14%	29.88K	307.00	395.00
ABBVIE INC.SOLE	HEALTHCARE	14.57K	SH	$3.37M 1.13%	12.98K	1.59K	0.00
ELI LILLY & COSOLE	HEALTHCARE	4.06K	SH	$3.10M 1.04%	3.98K	80.00	0.00
VANGUARD GROWTH ETFSOLE	EXCHANGE TRADED FUND - EQUITY	6.31K	SH	$3.03M 1.02%	6.31K	0.00	0.00
ISHARES IBONDS DEC 2031 TERM CORPORATE ETFSOLE	EXCHANGE TRADED FUND-FIXED INC	134.58K	SH	$2.85M 0.96%	130.19K	3.16K	1.23K
EXXON MOBIL CORPSOLE	ENERGY	23.86K	SH	$2.69M 0.90%	16.77K	7.09K	0.00
TECHNOLOGY SELECT SECT SPDRSOLE	INFORMATION TECHNOLOGY	9.51K	SH	$2.68M 0.90%	9.51K	0.00	0.00

Page 1 of 21

…