ADIRONDACK TRUST CO

CIK 0001054257 · Q1 2026

13F Equity AUM

$297.6M

-2.1% QoQ

Positions

541

+8 QoQ

AUM Rank

#5,901

Top 47%

Skill Alpha (FF)

-0.8%/yr^ns

No Clear Edge

Rank #3,346 · Top 41%

vs S&P -4.1%/yr (unadj.)

Quarters Tracked

~13 years

Portfolio Concentration

Top 5: 29.1%Top 10: 39.3%Top 20: 52.5%

SPY12.4%

AAPL5.5%

NVDA5.1%

VTHR3.1%

MSFT3.0%

AMZN2.6%

JPM2.0%

MDY2.0%

CAT1.8%

IBDW1.7%

Others (531)60.8%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services47.6%

Technology18.3%

Healthcare6.8%

Consumer Cyclical6.1%

Industrials6.0%

Consumer Defensive5.2%

Energy4.3%

Communication Services2.4%

Other3.3%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 541Median: 0.01%Avg: 0.18%

0–0.5%

493(24.1%)

0.5–1%

19(13.9%)

1–3%

25(35.8%)

3–5%

1(3.1%)

5%+

3(23.0%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 516Unique: 25vs 20 funds

7%Low

541

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

MORGAN STANLEY

9.6%

BANK OF AMERICA CORP /DE/

10.5%

9.7%

11.3%

14.6%

11%

GEODE CAPITAL MANAGEMENT, LLC

10.3%

VANGUARD CAPITAL MANAGEMENT LLC

10.4%

VANGUARD PORTFOLIO MANAGEMENT LLC

11.6%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New40Increased68Decreased166Exited34

New Positions

HTGC0.1%

+24K

AZN0.0%

+548

AWC0.0%

+600

VANGUARD DEVELOPED M…0.0%

+4K

CVCO0.0%

+100

MLPI0.0%

+490

SHLD0.0%

+564

ATMU0.0%

+600

IBMS0.0%

+1K

SFD0.0%

+750

Increased

IBDW1.7%

+89K(+57%)

IBDY1.0%

+59K(+99%)

IBCA0.7%

+51K(+168%)

IBDX1.1%

+51K(+64%)

IBDV1.2%

+31K(+23%)

IBDU1.2%

+29K(+24%)

IBDT1.0%

+19K(+18%)

VEA0.6%

+7K(+37%)

VTHR3.1%

+4K(+12%)

IBDS0.4%

+2K(+5%)

Decreased

BMY0.4%

-3,104(-13%)

AAPL5.5%

-2,577(-4%)

D0.1%

-2,260(-40%)

DIS0.3%

-2,180(-22%)

SO0.4%

-2,129(-16%)

CSCO0.8%

-2,011(-6%)

SPY12.4%

-1,999(-3%)

NEE0.7%

-1,910(-8%)

JNJ1.6%

-1,905(-9%)

NVDA5.1%

-1,751(-2%)

Exited

-5,105

-1,102

-4,673

-700

-136

-3,190

-225

-100

-296

-15

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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