ADIRONDACK TRUST CO
Q3 2026 Form 13-F

SARATOGA SPRINGS, NEW YORK
CIK 0001054257 · Institutional investment manager
$319.8M Reported Value Total
Reported value
$319.8M
Quarter over quarter
+1.1%
Holdings
555
Top-10 concentration
43.4%

Key People

Named on the latest Form 13-F filing — not necessarily an owner
Janelle Phillips
Wealth Management Operations Assistant

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Q3 2026 13F record

Q3 2026 13F filing summary

Q3 2026 Form 13F portfolio summary
Period of report September 30, 2026
Filed October 14, 2026
Form 13F-HR
Reported value $319.8M
Positions 555
Change in reported value -4.7%
New positions 18
Exited positions 21
Position turnover 6.8%
Top-10 concentration 43.4%

13F filings by quarter

Form 13F filings by quarter
Quarter Positions Value
Q3 2026 13F
Filed Oct 14, 2026
555 $319.8M
Q2 2026 13F
Filed Jul 16, 2026
558 $335.6M
Q1 2026 13F
Filed Apr 3, 2026
544 $297.6M
Q4 2025 13F
Filed Jan 8, 2026
537 $304.0M
Q3 2025 13F
Filed Oct 20, 2025
508 $298.2M
Q2 2025 13F
Filed Jul 11, 2025
480 $275.4M
Q1 2025 13F
Filed Apr 3, 2025
477 $255.9M
Q4 2024 13F
Filed Jan 17, 2025
483 $261.9M
Q3 2024 13F
Filed Oct 8, 2024
489 $259.6M
Q2 2024 13F
Filed Jul 9, 2024
492 $244.9M
Q1 2024 13F
Filed Apr 9, 2024
503 $238.9M
Q4 2023 13F
Filed Mar 29, 2024
495 $231.4M
Q3 2023 13F
Filed Oct 31, 2023
485 $200.4M
Q2 2023 13F
Filed Aug 9, 2023
461 $214.0M
Q1 2023 13F
Filed Apr 28, 2023
484 $197.4M
Q4 2022 13F
Filed Jan 13, 2023
479 $193.3M
Q3 2022 13F
Filed Oct 13, 2022
453 $178.9M
Q2 2022 13F
Filed Jul 6, 2022
433 $186.5M
Q1 2022 13F
Filed Apr 5, 2022
412 $211.3M
Q4 2021 13F
Filed Jan 13, 2022
404 $209.6M

34 earlier quarters on file — choose one from the quarter menu above.

Top 20 holdings · Q3 2026

Largest Q3 2026 13F positions by reported value
# Holding Reported value % of portfolio
1 SPY SPDR S & P 500 ETF TRUST $43.0M 13.43%
2 AAPL APPLE INC $20.2M 6.33%
3 NVDA NVIDIA CORP. $19.1M 5.96%
4 VTHR ETF VANGUARD RUSSELL 3000 $13.1M 4.11%
5 MSFT MICROSOFT CORP $11.7M 3.66%
6 AMZN AMAZON. COM, INC $8.7M 2.72%
7 MDY S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF $6.2M 1.94%
8 IWF ISHARES RUSSELL 1000 GROWTH ETF $5.9M 1.84%
9 JPM JPMORGAN CHASE & CO COM $5.7M 1.8%
10 CAT CATERPILLAR INC $5.2M 1.61%
11 JNJ JOHNSON & JOHNSON $4.9M 1.52%
12 IBDW ISHARES IBONDS DEC 2031 TERM CORPORATE ETF $4.4M 1.36%
13 META META PLATFORMS INC $4.2M 1.31%
14 LLY ELI LILLY & CO $3.9M 1.22%
15 IBDV ISHARES IBONDS DEC 2030 TERM CORP-ETF $3.8M 1.19%
16 AMAT APPLIED MATL INC $3.7M 1.16%
17 VUG VANGUARD GROWTH ETF $3.7M 1.16%
18 BRK-B BERKSHIRE HATHAWAY INC. DEL CLASS B $3.7M 1.15%
19 IBDU ISHARES IBONDS DEC 2029 TERM CORPORATE ETF $3.6M 1.14%
20 XLK TECHNOLOGY SELECT SECT SPDR $3.6M 1.12%

Values as reported on the Q3 2026 Form 13F. Every position is in the holdings table below.

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