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ADIRONDACK TRUST CO — 13F Holdings & Portfolio

CIK 1054257 · latest 13F-HR filed 2026-10-14

Backtest portfolio

ADIRONDACK TRUST CO manages $319.8M in 13F-reported U.S. long-equity assets across 637 reported positions as of its 2026-09-30 13F-HR filing. Its largest disclosed positions are SPY (12.73%), AAPL (6.29%), NVDA (5.96%). Quarter over quarter (versus its 2026-06-30 filing) the fund opened 18 new positions and exited 21; 138 existing positions rose in reported value and 263 fell.

AUM is the long-equity portion reported on Form 13F-HR. Excludes short positions, cash, foreign holdings, and non-13F assets. For informational purposes only — not investment advice.

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AUM
$319.8M

Long-equity book

Holdings
637

Distinct positions

Period
2026-09-30

Filed 2026-10-14

Q/Q Activity
+18 / −21 / ↑138 / ↓263

vs 2026-06-30

Portfolio charts

Latest quarter's book, what changed, and how the portfolio has evolved across filings.

Portfolio map

Q3 26
SPY13.4% · -0%AAPL6.3% · -4%NVDA6.0% · -4%VTHR4.1% · +8%MSFT3.7% · -6%AMZN2.7% · -6%MDY1.9% · -0%IWF1.8% · +2%JPM1.8% · -13%CAT1.6% · -9%JNJ1.5% · -7%IBDW1.4% · -16%META1.3% · +0%LLY1.2% · -8%IBDV1.2% · +4%AMAT1.2% · -2%VUG1.2% · +4%BRK.B1.2% · -15%IBDU1.1% · +2%XLK1.1% · +0%ABBV1.1% · -1%AMD1.1% · -4%PG1.1% · -9%IBDT1.0% · +8%IJR1.0% · -26%VTI1.0% · 0%IBDX0.9% · -10%IBDY0.9% · -11%CVX0.8% · -15%SMH0.8% · +0%CSCO0.7% · -18%IBCA0.7% · +4%HD0.7% · -10%INTC0.7% · -1%IBM0.7% · +21%OEF0.6% · -3%KO0.6% · -15%MCD0.6% · -12%LMT0.6% · -2%WMT0.6% · -19%PEP0.6% · -11%VOYA INTERMEDIATE0.6% · newTSLA0.5% · -2%DYNF0.5% · +7%TIP0.5% · -58%NEE0.5% · 0%WM0.5% · -17%VLO0.5% · -4%AGG0.4% · -68%SPMO0.4% · +29%IBDS0.4% · +22%PSX0.4% · -38%IWD0.4% · -0%MRK0.4% · +1%GEV0.4% · +1%COST0.4% · -3%V0.4% · -0%BMY0.4% · +1%BBUS0.4% · +7%VEA0.4% · -41%

Box size = position value; colour = change in share count vs the prior quarter (green added, red trimmed, blue new). Rows split across managers or share classes are combined. Click a box for the stock.

Sector mix

% of 13F value

Sectors from each company's SIC code; funds and ETFs grouped separately.

Biggest buys and sells

Q2 26 → Q3 26

Estimated from the change in shares held × the quarter-end price, so price moves alone don't count as buying. New and exited positions are included.

13F assets and positions

4 quarters

Total reported 13F value (bars) and number of positions (line) each quarter. Value changes include market moves.

Top positions over time

reported value

The eight largest current positions, valued at each quarter end.

Concentration

top 10 = 43.4%

Cumulative share of the portfolio held in the largest N positions.

Firm Profile & Key People

As of the firm’s regulatory filing dated Mar 17, 2026.

Assets Under Management
$422.3M
Discretionary
$422.3M
Employees
7
Accounts
1,163
Address
528 PLUM STREET
SUITE 200
SYRACUSE, NY 13204
Phone
(315) 434-5597
Website
Name Title / Status Ownership Type
BERG, CHRISTOPHER, WILLIAM ControlMANAGING MEMBER
since Mar 2020
25–50%Individual
DOOLEY, PATRICK, JAMES ControlCHIEF COMPLIANCE OFFICER/CHIEF EXECUTIVE OFFICER/CHIEF INVESTMENT OFFICER
since Feb 2020
50–75%Individual
Ownership & leadership changes · 2 filings with changes since Mar 29, 2019

From the firm’s regulatory filings, newest first. Dates are filing dates: a filing that no longer lists someone does not say when they left.

Feb 12, 2021 filing
  • ChangedBERG, CHRISTOPHER, WILLIAM · ownership 50–75% → 25–50%
Feb 25, 2020 filing
  • AddedDOOLEY, PATRICK, JAMES · CHIEF COMPLIANCE OFFICER/CHIEF EXECUTIVE OFFICER/CHIEF INVESTMENT OFFICER · 50–75% · control person
  • ChangedBERG, CHRISTOPHER, WILLIAM · title MANAGING MEMBER/CHIEF COMPLIANCE OFFICER → MANAGING MEMBER; ownership 75% or more → 50–75%
Mar 29, 2019 filing (earliest on record)
  • ListedBERG, CHRISTOPHER, WILLIAM · MANAGING MEMBER/CHIEF COMPLIANCE OFFICER · 75% or more · control person

Quarter-over-quarter changes

Changes in reported position value vs the prior 13F, so price moves count too, not just shares bought or sold.

ADIRONDACK TRUST CO Holdings (2026-09-30)

Rows tagged Call or Put are options positions, not stock. Per SEC Form 13F-HR, Value shows the notional value of the underlying (shares covered × underlying price), not the option premium. Shares is the number of underlying shares covered (divide by 100 for contract count).

# Issuer Symbol CUSIP Value Weight Shares Type
1 SPDR S & P 500 ETF TRUST SPY 78462F103 $40.7M 12.73% 53,400 SH
2 APPLE INC AAPL 037833100 $20.1M 6.29% 60,423 SH
3 NVIDIA CORP. NVDA 67066G104 $19.1M 5.96% 83,417 SH
4 ETF VANGUARD RUSSELL 3000 VTHR 92206C599 $12.5M 3.90% 37,215 SH
5 MICROSOFT CORP MSFT 594918104 $11.5M 3.59% 22,407 SH
6 AMAZON. COM, INC AMZN 023135106 $8.6M 2.70% 34,631 SH
7 S & P MIDCAP 400 DEPOSITORY RECEIPTS ETF MDY 78467Y107 $6.0M 1.88% 9,155 SH
8 ISHARES RUSSELL 1000 GROWTH ETF IWF 464287614 $5.8M 1.83% 46,689 SH
9 JPMORGAN CHASE & CO COM JPM 46625H100 $5.4M 1.70% 16,435 SH
10 ISHARES IBONDS DEC 2031 TERM CORPORATE ETF IBDW 46436E486 $4.2M 1.31% 209,356 SH
11 JOHNSON & JOHNSON JNJ 478160104 $4.1M 1.29% 15,604 SH
12 META PLATFORMS INC META 30303M102 $4.1M 1.29% 5,692 SH
13 CATERPILLAR INC CAT 149123101 $4.0M 1.25% 4,950 SH
14 ELI LILLY & CO LLY 532457108 $3.8M 1.19% 3,286 SH
15 APPLIED MATL INC AMAT 038222105 $3.7M 1.16% 7,249 SH
16 VANGUARD GROWTH ETF VUG 922908736 $3.7M 1.16% 41,138 SH
17 ISHARES IBONDS DEC 2030 TERM CORP-ETF IBDV 46436E726 $3.7M 1.16% 174,833 SH
18 BERKSHIRE HATHAWAY INC. DEL CLASS B BRK.B 084670702 $3.7M 1.15% 7,403 SH
19 TECHNOLOGY SELECT SECT SPDR XLK 81369Y803 $3.6M 1.12% 18,302 SH
20 ISHARES IBONDS DEC 2029 TERM CORPORATE ETF IBDU 46436E205 $3.5M 1.11% 155,957 SH
21 ADVANCED MICRO DEVICES INC AMD 007903107 $3.3M 1.04% 5,440 SH
22 ISHARES IBONDS DEC 2028 TERM CORPORATE ETF IBDT 46435U515 $3.2M 1.00% 128,503 SH
23 VANGUARD TOTAL STOCK MARKET ETF VTI 922908769 $3.1M 0.97% 8,251 SH
24 ABBVIE INC. ABBV 00287Y109 $3.0M 0.93% 11,324 SH
25 ISHARES TRUST IBONDS DEC2032TERM CORP ETF IBDX 46436E312 $2.9M 0.91% 121,565 SH
26 PROCTER & GAMBLE CO PG 742718109 $2.8M 0.89% 19,508 SH
27 ISHARES IBONDS DEC 2033 TERMCORPORATE ETF IBDY 46436E130 $2.8M 0.87% 113,954 SH
28 ISHARES CORE S&P SMALL-CAP ETF IJR 464287804 $2.7M 0.85% 20,062 SH
29 VANECK SEMICONDUCTOR ETF SMH 92189F676 $2.5M 0.79% 4,135 SH
30 ISHARES IBONDS DEC 2035 TERMCORPORATE ETF IBCA 46438G372 $2.3M 0.72% 96,173 SH
31 SPDR S & P 500 ETF TRUST SPY 78462F103 $2.2M 0.70% 2,920 SH
32 CISCO SYSTEMS INC. CSCO 17275R102 $2.2M 0.69% 20,580 SH
33 CHEVRON CORPORATION CVX 166764100 $2.2M 0.68% 10,685 SH
34 INTEL CORP INTC 458140100 $2.2M 0.67% 17,936 SH
35 ISHARES S & P 100 ETF OEF 464287101 $2.1M 0.65% 5,400 SH
36 HOME DEPOT INC HD 437076102 $2.1M 0.64% 7,229 SH
37 WALMART INC WMT 931142103 $1.8M 0.58% 17,783 SH
38 INTL BUSINESS MACHINES IBM 459200101 $1.8M 0.57% 8,359 SH
39 COCA COLA CO KO 191216100 $1.7M 0.53% 19,758 SH
40 TESLA MOTORS INC TSLA 88160R101 $1.7M 0.53% 4,787 SH
41 ISHARES US EQUITY FACTOR ROTATION ETF DYNF 09290C103 $1.7M 0.53% 24,292 SH
42 ISHARES TIPS BOND ETF TIP 464287176 $1.7M 0.52% 16,011 SH
43 NEXTERA ENERGY INC NEE 65339F101 $1.7M 0.52% 21,910 SH
44 LOCKHEED MARTIN CORP LMT 539830109 $1.6M 0.51% 3,195 SH
45 MCDONALDS CORP MCD 580135101 $1.5M 0.48% 6,602 SH
46 WASTE MANAGEMENT INC NEW WM 94106L109 $1.5M 0.46% 7,236 SH
47 PEPSICO INC PEP 713448108 $1.4M 0.45% 11,361 SH
48 INVESCO S&P 500 MOMENTUM ETF SPMO 46138E339 $1.4M 0.43% 9,080 SH
49 ISHARES IBONDS DEC 2027 CORPORATE ETF IBDS 46435UAA9 $1.4M 0.43% 56,990 SH
50 ISHARES RUSSELL 1000 VALUE INDEX FUND IWD 464287598 $1.3M 0.41% 5,346 SH
Filing History
Period Filed AUM Holdings Accession
2026-09-30 2026-10-14 $319.8M 637 0001054257-26-000006
2026-06-30 2026-07-16 $335.6M 640 0001054257-26-000003
2026-03-31 2026-04-03 $297.6M 631 0001054257-26-000002
2025-12-31 2026-01-08 $304.0M 624 0001054257-26-000001
Filer Information
Address
473 BROADWAY
SARATOGA SPRINGS, NY 12866
Phone
(518) 584-5844
Filing Manager
ADIRONDACK TRUST CO
SARATOGA SPRINGS, NY
Signatory
JANELLE PHILLIPS
Wealth Management Operations Assistant