ADIRONDACK TRUST CO

RIA/Wealth

ADIRONDACK TRUST CO is a RIA/Wealth based in Syracuse, NY led by Charles Earl Osborne, reporting $5.2B in AUM as of Q3 2025 with 38% ETF concentration.

Managing PartnerCharles Earl Osborne

Portfolio Value: $297.7M
Positions: 497
Top Holding: SPY at 13.28%
Last Reported: Q3 2025

Address528 Plum Street, Suite 200, Syracuse, NY, 13204, United States

Top Holdings

Largest long holdings in ADIRONDACK TRUST CO's portfolio (42.1% of total portfolio)

See all holdings

GthenH

Holding	Sector	Position	Weight	Traded	Ownership	Owned Since
1 SPDR S&P 500 ETF Trust SPY	ETF ETF	$39.5M	13.28%	+$284.5K Bought	— 59.3K shares	≤ Q2 2013 Held for 12y 5m+
2 Apple AAPL	Consumer Electronics Technology	$17.4M	5.83%	+$110.8K Bought	0.00% 68.2K shares	≤ Q2 2013 Held for 12y 5m+
3 Nvidia NVDA	Semiconductors Technology	$16.8M	5.65%	-$247.4K Sold	0.00% 90.1K shares	Q1 2017 Held for 8y 8m
4 Microsoft MSFT	Software - Infrastructure Technology	$12.7M	4.26%	-$20.2K Sold	0.00% 24.5K shares	≤ Q2 2013 Held for 12y 5m+
5 Amazon AMZN	Specialty Retail Consumer Cyclical	$8.3M	2.78%	+$39.3K Bought	0.00% 37.7K shares	≤ Q2 2013 Held for 12y 5m+
6 Vanguard Russell 3000 VTHR	ETF ETF	$7.4M	2.49%	+$155.7K Bought	— 25.2K shares	Q1 2014 Held for 11y 8m
7 JPMorgan Chase JPM	Banks - Diversified Financial Services	$7.0M	2.34%	-$42.3K Sold	0.00% 22.0K shares	≤ Q2 2013 Held for 12y 5m+
8 SPDR S&P MidCap 400 ETF MDY	ETF ETF	$6.2M	2.10%	+$52.4K Bought	— 10.5K shares	≤ Q2 2013 Held for 12y 5m+
9 Berkshire Hathaway BRK.B	Insurance - Diversified Financial Services	$5.1M	1.70%	+$45.7K Bought	0.00% 10.1K shares	Q4 2019 Held for 5y 11m
10 iShares Russell 1000 Growth IWF	ETF ETF	$5.0M	1.68%	+$257.6K Bought	— 10.7K shares	Q2 2016 Held for 9y 5m

See all holdings

GthenH

Changes

Portfolio activity, position movements, and quarter-over-quarter changes in ADIRONDACK TRUST CO's latest filing

See all changes

GthenC

Market Value

$297.7M

Prior: $275.2M

Q/Q Change

+8.17%

+$22.5M

Turnover Ratio

1.92%

Increased Positions

Position	Shares Δ	Change
1 Vanguard FTSE All-World Ex-US ETF VEU	New	0 → 5.1K +$364.3K
2 Vanguard Russell 1000 VONE	New	0 → 700.0 +$211.6K
3 Invesco S&P 500 Momentum SPMO	New	0 → 1.6K +$197.1K
4 Vanguard Small-Cap Value VBR	New	0 → 316.0 +$66.0K
5 Brown & Brown BRO	New	0 → 459.0 +$43.0K

Decreased Positions

Position	Shares Δ	Change
1 TFI SPDR Nuveen Bloomberg Municipal Bond TFI	Sold	1.5K → 0 −$67.0K
2 SPDR Portfolio TIPS SPIP	Sold	1.1K → 0 −$29.5K
3 Schwab Fundamental International Small Company Index ETF FNDC	Sold	215.0 → 0 −$9.0K
4 KeyCorp KEY	Sold	458.0 → 0 −$8.0K
5 Delta Air Lines DAL	Sold	155.0 → 0 −$7.6K

See all changes

GthenC

Analytics

Portfolio insights and performance metrics for ADIRONDACK TRUST CO

View analytics

GthenA

Sector Allocation

ETF

37.70%

Technology

20.80%

Financial Services

7.30%

Consumer Cyclical

6.80%

Healthcare

6.70%

Industrials

5.50%

Consumer Defensive

5.40%

Energy

3.30%

Communication Services

3.00%

Utilities

2.00%

Basic Materials

0.30%

Real Estate

0.20%

Market Cap Distribution

Mega Cap (> $200B)

43.52%

Large Cap ($10B - $200B)

17.03%

Mid Cap ($2B - $10B)

0.57%

Small Cap ($300M - $2B)

0.10%

Micro Cap ($50M - $300M)

0.02%

Nano Cap (< $50M)

0.00%

N/A (ETF or Unknown)

38.74%

Portfolio Concentration

No concentration data available