Q3 2026 13F · SEC CIK 1054257

Adirondack Trust Co

Bank & trustFiled 2026-10-14 for Q3 2026. Open the filing ↗ · All SEC filings ↗

Reported 13F value: $319.8M
Reported positions: 555
Top holdings a year, 3 yrs: +18.4%
Average holding period: 12.1 yrs

Adirondack Trust Co is a bank & trust that reported 555 positions worth $319.8M in its Q3 2026 13F, filed 2026-10-14. Its largest holdings were State Str Spdr S&p 500 ETF T (SPY, 13.4%), Apple Inc (AAPL, 6.3%), Nvidia Corporation (NVDA, 6.0%). A portfolio copying its top holdings returned 18.4% a year over the last 3 years, against 20.4% for the S&P 500.

Adirondack Trust Co holdings largest 50 of 555 positions.

Weights are shares of the filer's total reported 13F value, compared with Q2 2026. Share changes may reflect splits; weight changes also reflect price moves. A 13F shows long US-listed positions only, up to 135 days after the fact.

Adirondack Trust Co 13F holdings
Stock	% of 13F value	Q2 2026	Shares	Share change	Reported value
SPYState Str Spdr S&p 500 ETF T	13.4%	12.5%	56,320	-0.1%	$43.0M
AAPLApple Inc	6.3%	5.4%	60,743	-3.6%	$20.2M
NVDANvidia Corporation	6.0%	5.2%	83,427	-3.5%	$19.1M
VTHRVanguard Russell 3000 ETF	4.1%	3.6%	39,193	+8.5%	$13.1M
MSFTMicrosoft Corp	3.7%	2.7%	22,800	-5.7%	$11.7M
AMZNAmazon Com Inc	2.7%	2.6%	34,921	-5.5%	$8.7M
MDYState Str Spdr S&p Midcap 40	1.9%	2.0%	9,435	-0.4%	$6.2M
IWFIshares Tr	1.8%	1.7%	46,849	+1.5%	$5.9M
JPMJpmorgan Chase & Co	1.8%	1.9%	17,366	-12.7%	$5.7M
CATCaterpillar Inc	1.6%	2.2%	6,355	-9.1%	$5.2M
JNJJohnson & Johnson	1.5%	1.5%	18,334	-6.9%	$4.9M
IBDWIshares Tr	1.4%	1.6%	217,216	-16.2%	$4.4M
METAMeta Platforms Inc	1.3%	1.0%	5,762	+0.3%	$4.2M
LLYEli Lilly & Co	1.2%	1.3%	3,366	-7.6%	$3.9M
IBDVIshares Tr	1.2%	1.1%	180,078	+4.0%	$3.8M
AMATApplied Matls Inc	1.2%	1.6%	7,249	-2.1%	$3.7M
VUGVanguard Index Fds	1.2%	1.0%	41,138	+3.8%	$3.7M
BRK-BBerkshire Hathaway Inc Del	1.2%	1.3%	7,403	-14.9%	$3.7M
IBDUIshares Tr	1.1%	1.1%	160,917	+1.6%	$3.6M
XLKSelect Sector Spdr Tr	1.1%	1.0%	18,302	+0.2%	$3.6M
ABBVAbbvie Inc	1.1%	1.0%	13,569	-1.2%	$3.5M
AMDAdvanced Micro Devices Inc	1.1%	1.0%	5,540	-3.6%	$3.4M
PGProcter & Gamble Co	1.1%	1.1%	23,228	-9.4%	$3.4M
IBDTIshares Ibonds Dec 2028 Term Corporate E	1.0%	0.9%	133,103	+8.1%	$3.3M
IJRIshares Tr	1.0%	1.4%	23,346	-26.3%	$3.2M
VTIVanguard Index Fds	1.0%	0.9%	8,251	+0.0%	$3.1M
IBDXIshares Tr	0.9%	1.0%	123,765	-10.4%	$3.0M
IBDYIshares Tr	0.9%	1.0%	113,954	-11.1%	$2.8M
CVXChevron Corporation	0.8%	0.7%	12,636	-15.2%	$2.6M
SMHVaneck ETF Trust	0.8%	0.8%	4,135	+0.2%	$2.5M
CSCOCisco Sys Inc	0.7%	0.9%	21,685	-17.5%	$2.3M
46438G372Ishares Tr	0.7%	0.7%	96,173	+4.3%	$2.3M
HDHome Depot Inc	0.7%	0.9%	8,069	-9.8%	$2.3M
INTCIntel Corp	0.7%	0.8%	19,068	-1.0%	$2.3M
IBMInternational Business Machs	0.7%	0.7%	9,947	+21.1%	$2.2M
OEFIshares Tr	0.6%	0.6%	5,400	-2.6%	$2.1M
KOCoca Cola Co	0.6%	0.7%	23,457	-14.9%	$2.0M
MCDMcdonalds Corp	0.6%	0.8%	8,599	-11.5%	$2.0M
LMTLockheed Martin Corp	0.6%	0.6%	3,775	-1.7%	$1.9M
WMTWalmart Inc	0.6%	0.8%	18,158	-19.0%	$1.9M
PEPPepsico Inc	0.6%	0.7%	14,624	-10.7%	$1.9M
IICIXVoya Intermediate Bond I	0.6%	—	216,933	—	$1.8M
TSLATesla Inc	0.5%	0.6%	4,787	-2.0%	$1.7M
DYNFBlackrock ETF Trust	0.5%	—	24,481	—	$1.7M
TIPIshares Tr	0.5%	1.3%	16,011	-58.4%	$1.7M
NEENextera Energy Inc	0.5%	0.6%	21,910	+0.0%	$1.7M
WMWaste Mgmt Inc Del	0.5%	0.6%	7,606	-17.1%	$1.6M
VLOValero Energy Corp	0.5%	—	3,993	—	$1.5M
SPMOInvesco Exch Traded Fd Tr II	0.4%	—	9,080	—	$1.4M
IBDSIshares Tr	0.4%	—	56,990	—	$1.4M

What Adirondack Trust Co bought and sold in Q3 2026, against Q2 2026.

New positions

Q2 2026's filing was too long to tell new positions apart.

Share counts compared with the Q2 2026 13F; a split also changes share counts. The latest filing lists more than 50 positions, so a position that left the top 50 may still be held.

How the holdings did against the S&P 500.

1 year: +17.6% /yr; S&P 500 +20.1%
3 years: +18.4% /yr; S&P 500 +20.4%
5 years: +10.6% /yr; S&P 500 +11.6%

A portfolio of the filer's 20 largest 13F positions, weighted by value, bought the trading day after each 13F was filed and held until the next one was: what copying this filer could have earned. 13Fs show long US-listed positions only, so this is an estimate of the stock picks, not the fund's reported returns.

Reported 13F value by quarter.

13F value by quarter
Quarter	13F value	Positions
Q3 2026	$319.8M	555
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

Questions about Adirondack Trust Co's portfolio

What stocks does Adirondack Trust Co own?

Adirondack Trust Co's latest 13F, for Q3 2026 and filed Oct 14, 2026, lists 555 positions worth $319.8M. The largest are State Str Spdr S&p 500 ETF T (SPY) at 13.4%, Apple Inc (AAPL) at 6.3%, Nvidia Corporation (NVDA) at 6.0%, Vanguard Russell 3000 ETF (VTHR) at 4.1% and Microsoft Corp (MSFT) at 3.7%.

What did Adirondack Trust Co buy last quarter?

In Q3 2026, Adirondack Trust Co added International Business Machs (IBM) (+21.1% shares), Vanguard Russell 3000 ETF (VTHR) (+8.5% shares) and Ishares Ibonds Dec 2028 Term Corporate E (IBDT) (+8.1% shares), compared with its Q2 2026 filing.

What did Adirondack Trust Co sell last quarter?

In Q3 2026, Adirondack Trust Co cut from its top 50 Ishares Tr (AGG), cut from its top 50 Exxon Mobil Corp (XOM), cut from its top 50 Vanguard Ftse Developed Markets Index Fu (VEA), cut from its top 50 Vanguard Index Fds (VO), cut from its top 50 Qualcomm Inc (QCOM), Ishares Tr (TIP) (-58.4% shares), Ishares Tr (IJR) (-26.3% shares) and Walmart Inc (WMT) (-19.0% shares), compared with its Q2 2026 filing.

How has Adirondack Trust Co's portfolio performed?

A portfolio copying Adirondack Trust Co's 20 largest 13F holdings each quarter, from the day each filing was public, returned +18.4% a year over the last 3 years, against +20.4% for the S&P 500. Over 1 year: +17.6% against +20.1%. Over 5 years: +10.6% a year against +11.6%.

When is Adirondack Trust Co's next 13F filing due?

13F filings are due 45 days after each quarter ends. Adirondack Trust Co's filing for the quarter ending Dec 31, 2026 is due by Feb 14, 2027; this page updates the day after it is published.