# ADIRONDACK TRUST CO

> Institutional holdings reported to the SEC as of Q2 2026 on Form 13F. CIK 1054257. Source: https://holderbook.com/funds/1054257-adirondack-trust-co/

- Reported value: $335.6M
- Positions: 558
- Weight of the ten largest: 39.9%
- Filed: 2026-07-16

A 13F reports long US equity positions only. Short positions, bonds, foreign listings, private holdings and cash are not visible, so this is not the manager's whole book.

## Holdings

| Security | Ticker | Value | Shares | Weight | Quarters held |
|---|---|---|---|---|---|
| STATE STR SPDR S&P 500 ETF T | [SPY](https://holderbook.com/stocks/SPY/) | $42.1M | 56,383 | 12.5% | 31 |
| APPLE INC | [AAPL](https://holderbook.com/stocks/AAPL/) | $18.2M | 62,987 | 5.4% | 31 |
| NVIDIA CORPORATION | [NVDA](https://holderbook.com/stocks/NVDA/) | $17.3M | 86,497 | 5.2% | 31 |
| VANGUARD SCOTTSDALE FDS | [VTHR](https://holderbook.com/stocks/VTHR/) | $12.0M | 36,106 | 3.6% | 31 |
| MICROSOFT CORP | [MSFT](https://holderbook.com/stocks/MSFT/) | $9.0M | 24,183 | 2.7% | 31 |
| AMAZON COM INC | [AMZN](https://holderbook.com/stocks/AMZN/) | $8.8M | 36,945 | 2.6% | 31 |
| CATERPILLAR INC | [CAT](https://holderbook.com/stocks/CAT/) | $7.4M | 6,992 | 2.2% | 31 |
| STATE STR SPDR S&P MIDCAP 40 | [MDY](https://holderbook.com/stocks/MDY/) | $6.7M | 9,471 | 2.0% | 31 |
| JPMORGAN CHASE & CO | [JPM](https://holderbook.com/stocks/JPM/) | $6.5M | 19,892 | 1.9% | 31 |
| ISHARES TR | [IWF](https://holderbook.com/stocks/IWF/) | $5.7M | 46,168 | 1.7% | 31 |
| ISHARES TR | [IBDW](https://holderbook.com/stocks/IBDW/) | $5.4M | 259,253 | 1.6% | 13 |
| APPLIED MATLS INC | [AMAT](https://holderbook.com/stocks/AMAT/) | $5.4M | 7,403 | 1.6% | 31 |
| JOHNSON & JOHNSON | [JNJ](https://holderbook.com/stocks/JNJ/) | $5.0M | 19,692 | 1.5% | 31 |
| ISHARES TR | [IJR](https://holderbook.com/stocks/IJR/) | $4.7M | 31,686 | 1.4% | 31 |
| ISHARES TR | [AGG](https://holderbook.com/stocks/AGG/) | $4.5M | 45,497 | 1.3% | 31 |
| ELI LILLY & CO | [LLY](https://holderbook.com/stocks/LLY/) | $4.4M | 3,642 | 1.3% | 31 |
| BERKSHIRE HATHAWAY INC DEL | [BRKB](https://holderbook.com/stocks/BRKB/) | $4.4M | 8,697 | 1.3% | 31 |
| ISHARES TR | [TIP](https://holderbook.com/stocks/TIP/) | $4.2M | 38,511 | 1.3% | 31 |
| ISHARES TR | [IBDV](https://holderbook.com/stocks/IBDV/) | $3.8M | 173,088 | 1.1% | 13 |
| PROCTER & GAMBLE CO | [PG](https://holderbook.com/stocks/PG/) | $3.8M | 25,627 | 1.1% | 31 |
| ISHARES TR | [IBDU](https://holderbook.com/stocks/IBDU/) | $3.7M | 158,394 | 1.1% | 11 |
| SELECT SECTOR SPDR TR | [XLK](https://holderbook.com/stocks/XLK/) | $3.5M | 18,260 | 1.0% | 31 |
| ISHARES TR | [IBDX](https://holderbook.com/stocks/IBDX/) | $3.5M | 138,162 | 1.0% | 11 |
| ABBVIE INC | [ABBV](https://holderbook.com/stocks/ABBV/) | $3.5M | 13,727 | 1.0% | 31 |
| VANGUARD INDEX FDS | [VUG](https://holderbook.com/stocks/VUG/) | $3.4M | 39,642 | 1.0% | 25 |
| ADVANCED MICRO DEVICES INC | [AMD](https://holderbook.com/stocks/AMD/) | $3.3M | 5,745 | 1.0% | 31 |
| ISHARES TR | [IBDY](https://holderbook.com/stocks/IBDY/) | $3.3M | 128,140 | 1.0% | 11 |
| META PLATFORMS INC | [META](https://holderbook.com/stocks/META/) | $3.2M | 5,743 | 1.0% | 31 |
| HOME DEPOT INC | [HD](https://holderbook.com/stocks/HD/) | $3.2M | 8,949 | 0.9% | 31 |
| ISHARES TR | [IBDT](https://holderbook.com/stocks/IBDT/) | $3.1M | 123,112 | 0.9% | 11 |
| CISCO SYS INC | [CSCO](https://holderbook.com/stocks/CSCO/) | $3.1M | 26,297 | 0.9% | 31 |
| EXXON MOBIL CORP | [XOMXXXX](https://holderbook.com/stocks/XOMXXXX/) | $3.1M | 22,406 | 0.9% | 31 |
| VANGUARD INDEX FDS | [VTI](https://holderbook.com/stocks/VTI/) | $3.1M | 8,251 | 0.9% | 31 |
| VANECK ETF TRUST | [SMH](https://holderbook.com/stocks/SMH/) | $2.7M | 4,126 | 0.8% | 21 |
| INTEL CORP | [INTC](https://holderbook.com/stocks/INTC/) | $2.7M | 19,267 | 0.8% | 31 |
| MCDONALDS CORP | [MCD](https://holderbook.com/stocks/MCD/) | $2.6M | 9,713 | 0.8% | 31 |
| WALMART INC | [WMT](https://holderbook.com/stocks/WMT/) | $2.5M | 22,429 | 0.8% | 31 |
| CHEVRON CORPORATION | [CVX](https://holderbook.com/stocks/CVX/) | $2.5M | 14,907 | 0.7% | 31 |
| ISHARES TR | [IBCA](https://holderbook.com/stocks/IBCA/) | $2.4M | 92,232 | 0.7% | 5 |
| INTERNATIONAL BUSINESS MACHS | [IBM](https://holderbook.com/stocks/IBM/) | $2.3M | 8,214 | 0.7% | 31 |
| COCA COLA CO | [KO](https://holderbook.com/stocks/KO/) | $2.2M | 27,556 | 0.7% | 31 |
| PEPSICO INC | [PEP](https://holderbook.com/stocks/PEP/) | $2.2M | 16,382 | 0.7% | 31 |
| TESLA INC | [TSLA](https://holderbook.com/stocks/TSLA/) | $2.1M | 4,887 | 0.6% | 31 |
| WASTE MGMT INC DEL | [WM](https://holderbook.com/stocks/WM/) | $2.0M | 9,170 | 0.6% | 31 |
| ISHARES TR | [OEF](https://holderbook.com/stocks/OEF/) | $2.0M | 5,545 | 0.6% | 31 |
| VANGUARD TAX-MANAGED FDS | [VEA](https://holderbook.com/stocks/VEA/) | $2.0M | 27,975 | 0.6% | 31 |
| LOCKHEED MARTIN CORP | [LMT](https://holderbook.com/stocks/LMT/) | $2.0M | 3,840 | 0.6% | 31 |
| VANGUARD INDEX FDS | [VO](https://holderbook.com/stocks/VO/) | $1.9M | 24,150 | 0.6% | 31 |
| NEXTERA ENERGY INC | [NEE](https://holderbook.com/stocks/NEE/) | $1.9M | 21,901 | 0.6% | 31 |
| QUALCOMM INC | [QCOM](https://holderbook.com/stocks/QCOM/) | $1.6M | 8,563 | 0.5% | 31 |
| GE VERNOVA INC | [GEV](https://holderbook.com/stocks/GEV/) | $1.6M | 1,333 | 0.5% | 9 |
| BLACKROCK ETF TRUST | [DYNF](https://holderbook.com/stocks/DYNF/) | $1.6M | 22,896 | 0.5% | 1 |
| PHILLIPS 66 | [PSX](https://holderbook.com/stocks/PSX/) | $1.4M | 8,577 | 0.4% | 31 |
| COSTCO WHOLESALE CORPORATION | [COST](https://holderbook.com/stocks/COST/) | $1.3M | 1,431 | 0.4% | 31 |
| ISHARES TR | [IWD](https://holderbook.com/stocks/IWD/) | $1.3M | 5,362 | 0.4% | 31 |
| VISA INC | [V](https://holderbook.com/stocks/V/) | $1.2M | 3,530 | 0.4% | 31 |
| J P MORGAN EXCHANGE TRADED F | [BBUS](https://holderbook.com/stocks/BBUS/) | $1.1M | 8,465 | 0.3% | 7 |
| BRISTOL-MYERS SQUIBB CO | [BMY](https://holderbook.com/stocks/BMY/) | $1.1M | 19,711 | 0.3% | 31 |
| MORGAN STANLEY | [MS](https://holderbook.com/stocks/MS/) | $1.1M | 5,429 | 0.3% | 31 |
| INVESCO EXCH TRADED FD TR II | [SPMO](https://holderbook.com/stocks/SPMO/) | $1.1M | 7,024 | 0.3% | 4 |
| ISHARES TR | [IBDS](https://holderbook.com/stocks/IBDS/) | $1.1M | 46,837 | 0.3% | 11 |
| MERCK & CO INC | [MRK](https://holderbook.com/stocks/MRK/) | $1.1M | 8,753 | 0.3% | 31 |
| ORACLE CORP | [ORCL](https://holderbook.com/stocks/ORCL/) | $1.1M | 7,542 | 0.3% | 31 |
| SOUTHERN CO | [SO](https://holderbook.com/stocks/SO/) | $1.1M | 11,470 | 0.3% | 31 |
| VALERO ENERGY CORP | [VLO](https://holderbook.com/stocks/VLO/) | $1.1M | 4,136 | 0.3% | 31 |
| STRYKER CORPORATION | [SYK](https://holderbook.com/stocks/SYK/) | $1.0M | 3,268 | 0.3% | 31 |
| CITIGROUP INC | [C](https://holderbook.com/stocks/C/) | $1.0M | 7,216 | 0.3% | 31 |
| CORNING INC | [GLW](https://holderbook.com/stocks/GLW/) | $992.1K | 3,884 | 0.3% | 31 |
| GENERAL DYNAMICS CORP | [GD](https://holderbook.com/stocks/GD/) | $938.3K | 2,649 | 0.3% | 31 |
| AMGEN INC | [AMGN](https://holderbook.com/stocks/AMGN/) | $915.8K | 2,529 | 0.3% | 31 |
| COLGATE PALMOLIVE CO | [CL](https://holderbook.com/stocks/CL/) | $909.0K | 9,915 | 0.3% | 31 |
| VERIZON COMMUNICATIONS INC | [VZ](https://holderbook.com/stocks/VZ/) | $903.2K | 21,332 | 0.3% | 31 |
| ISHARES TR | [EFA](https://holderbook.com/stocks/EFA/) | $899.2K | 8,656 | 0.3% | 31 |
| NETFLIX INC | [NFLX](https://holderbook.com/stocks/NFLX/) | $889.6K | 12,460 | 0.3% | 31 |
| DEERE & CO | [DE](https://holderbook.com/stocks/DE/) | $861.4K | 1,358 | 0.3% | 31 |
| VANGUARD INDEX FDS | [VB](https://holderbook.com/stocks/VB/) | $852.0K | 2,811 | 0.3% | 22 |
| BLACKROCK INC | [BLK](https://holderbook.com/stocks/BLK/) | $851.9K | 886 | 0.3% | 7 |
| FIDELITY COVINGTON TRUST | [FTEC](https://holderbook.com/stocks/FTEC/) | $851.0K | 2,980 | 0.3% | 29 |
| DUKE ENERGY CORP NEW | [DUK](https://holderbook.com/stocks/DUK/) | $850.6K | 6,720 | 0.3% | 31 |
| METLIFE INC | [MET](https://holderbook.com/stocks/MET/) | $792.1K | 9,362 | 0.2% | 31 |
| ISHARES TR | [IBDR](https://holderbook.com/stocks/IBDR/) | $770.4K | 31,810 | 0.2% | 11 |
| ABBOTT LABORATORIES | [ABT](https://holderbook.com/stocks/ABT/) | $738.2K | 8,136 | 0.2% | 31 |
| AUTOMATIC DATA PROCESSING IN | [ADP](https://holderbook.com/stocks/ADP/) | $728.3K | 3,252 | 0.2% | 31 |
| DISNEY WALT CO | [DIS](https://holderbook.com/stocks/DIS/) | $727.5K | 7,559 | 0.2% | 31 |
| SPDR GOLD TR | [GLD](https://holderbook.com/stocks/GLD/) | $700.7K | 1,902 | 0.2% | 31 |
| SELECT SECTOR SPDR TR | [XLE](https://holderbook.com/stocks/XLE/) | $697.8K | 13,140 | 0.2% | 31 |
| ISHARES TR | [IJH](https://holderbook.com/stocks/IJH/) | $696.4K | 9,031 | 0.2% | 28 |
| WILLIAMS COS INC | [WMB](https://holderbook.com/stocks/WMB/) | $694.6K | 9,344 | 0.2% | 31 |
| SELECT SECTOR SPDR TR | [XLF](https://holderbook.com/stocks/XLF/) | $690.7K | 12,884 | 0.2% | 31 |
| SELECT SECTOR SPDR TR | [XLC](https://holderbook.com/stocks/XLC/) | $688.0K | 6,422 | 0.2% | 29 |
| BANK OF AMER CORP | [BAC](https://holderbook.com/stocks/BAC/) | $679.1K | 11,921 | 0.2% | 31 |
| EMERSON ELEC CO | [EMR](https://holderbook.com/stocks/EMR/) | $644.6K | 4,503 | 0.2% | 31 |
| AMERICAN EXPRESS CO | [AXP](https://holderbook.com/stocks/AXP/) | $632.5K | 1,870 | 0.2% | 31 |
| CSX CORP | [CSX](https://holderbook.com/stocks/CSX/) | $563.0K | 11,848 | 0.2% | 31 |
| PFIZER INC | [PFE](https://holderbook.com/stocks/PFE/) | $557.2K | 23,149 | 0.2% | 31 |
| CVS HEALTH CORP | [CVS](https://holderbook.com/stocks/CVS/) | $545.1K | 5,269 | 0.2% | 31 |
| LOWES COS INC | [LOW](https://holderbook.com/stocks/LOW/) | $529.8K | 2,403 | 0.2% | 31 |
| 3M CO | [MMM](https://holderbook.com/stocks/MMM/) | $479.7K | 2,963 | 0.1% | 31 |
| AT&T INC | [T](https://holderbook.com/stocks/T/) | $479.4K | 23,161 | 0.1% | 31 |
| SELECT SECTOR SPDR TR | [XLV](https://holderbook.com/stocks/XLV/) | $473.9K | 2,987 | 0.1% | 16 |

## What the disclosed book did

Not the fund's return. This is the change in value of the positions disclosed on Form 13F, had they been left untouched, against SPY over the same quarter ends.

| Quarter | Book | Market | Difference | Priced |
|---|---|---|---|---|
| Q2 2026 | +11.9% | +14.8% | -3.0% | 99% |
| Q1 2026 | -1.5% | -4.6% | +3.1% | 99% |
| Q4 2025 | +1.8% | +2.4% | -0.6% | 99% |
| Q3 2025 | +7.2% | +7.8% | -0.7% | 99% |
| Q2 2025 | +7.1% | +10.5% | -3.4% | 99% |
| Q1 2025 | -2.8% | -4.6% | +1.8% | 99% |
| Q4 2024 | -0.3% | +2.1% | -2.5% | 99% |
| Q3 2024 | +6.0% | +5.4% | +0.6% | 99% |

## Quarter by quarter

| Quarter | Value | Positions |
|---|---|---|
| Q2 2026 | $335.6M | 558 |
| Q1 2026 | $297.6M | 544 |
| Q4 2025 | $304.0M | 537 |
| Q3 2025 | $298.2M | 508 |
| Q2 2025 | $275.4M | 480 |
| Q1 2025 | $255.9M | 477 |
| Q4 2024 | $261.9M | 483 |
| Q3 2024 | $259.6M | 489 |
| Q2 2024 | $244.9M | 492 |
| Q1 2024 | $238.9M | 504 |
| Q4 2023 | $231.4M | 496 |
| Q3 2023 | $200.4M | 485 |