# EDGAR Filing Document

**Accession Number:** 0001471384
**File Stem:** 0001471384-25-000005
**Filing Date:** 2025-10
**Character Count:** 14222
**Document Hash:** 1b5725e9e867bdd13555a0ae33f5d965
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001471384-25-000005.hdr.sgml**: 20251007

**ACCESSION NUMBER**: 0001471384-25-000005

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251007

**DATE AS OF CHANGE**: 20251007

**EFFECTIVENESS DATE**: 20251007

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Canandaigua National Trust Co of Florida
- **CENTRAL INDEX KEY:** 0001471384

**ORGANIZATION NAME:**
- **EIN:** 264094648
- **STATE OF INCORPORATION:** FL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24422
- **FILM NUMBER:** 251378922

**BUSINESS ADDRESS:**
- **STREET 1:** C/O FINANCE DEPARTMENT
- **STREET 2:** 72 SOUTH MAIN STREET
- **CITY:** CANANDAIGUA
- **STATE:** NY
- **ZIP:** 14424
- **BUSINESS PHONE:** 585-394-4260

**MAIL ADDRESS:**
- **STREET 1:** C/O FINANCE DEPARTMENT
- **STREET 2:** 72 SOUTH MAIN STREET
- **CITY:** CANANDAIGUA
- **STATE:** NY
- **ZIP:** 14424

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Canandaigua National Trust Co of Florida<br>**Address:** C/O FINANCE DEPARTMENT<br>72 SOUTH MAIN STREET<br>CANANDAIGUA, NY 14424

**Form 13F File Number:** 028-24422

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Beth Uhlen<br>**Title:** Vice President and Wealth Business and Tax Analyst<br>**Phone:** 585-393-6113

**Signature, Place, and Date of Signing:**

The Canandaigua National Bank and Trust Company  Canandaigua, NY  10-07-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 106

**Form 13F Information Table Value Total:** $126226906

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| Abbott Laboratories | Com | 002824100 |  | 403695 | 3014 | SH |  | SOLE | 0 | 3014 | 0 | 0 |
| Abbvie Inc | Com | 00287Y109 |  | 316284 | 1366 | SH |  | SOLE | 0 | 1366 | 0 | 0 |
| Adobe Inc. | Com | 00724F101 |  | 1562683 | 4430 | SH |  | SOLE | 0 | 4430 | 0 | 0 |
| Air Products  Chemicals Inc | Com | 009158106 |  | 200176 | 734 | SH |  | SOLE | 0 | 734 | 0 | 0 |
| Alphabet Inc Class C | Com | 02079K107 |  | 2302522 | 9454 | SH |  | SOLE | 0 | 7714 | 0 | 1740 |
| Alphabet Inc Class A | Com | 02079K305 |  | 1373758 | 5651 | SH |  | SOLE | 0 | 4751 | 0 | 900 |
| Amazon Com Inc | Com | 023135106 |  | 2783708 | 12678 | SH |  | SOLE | 0 | 9913 | 0 | 2765 |
| American Tower Com REIT | Com | 03027X100 |  | 775627 | 4033 | SH |  | SOLE | 0 | 3697 | 0 | 336 |
| American Water Works Company | Com | 030420103 |  | 860751 | 6184 | SH |  | SOLE | 0 | 6184 | 0 | 0 |
| Amgen Inc. | Com | 031162100 |  | 362627 | 1285 | SH |  | SOLE | 0 | 1285 | 0 | 0 |
| Apple Inc | Com | 037833100 |  | 2703916 | 10619 | SH |  | SOLE | 0 | 8444 | 0 | 2175 |
| Astrazeneca Plc Adr | Com | 046353108 |  | 805560 | 10500 | SH |  | SOLE | 0 | 10500 | 0 | 0 |
| Autodesk Inc. | Com | 052769106 |  | 212839 | 670 | SH |  | SOLE | 0 | 670 | 0 | 0 |
| Baker Hughes Company | Com | 05722G100 |  | 1030720 | 21156 | SH |  | SOLE | 0 | 21156 | 0 | 0 |
| Bank Amer Corp | Com | 060505104 |  | 1033451 | 20032 | SH |  | SOLE | 0 | 20032 | 0 | 0 |
| Berkshire Hathaway Inc Cl B | Com | 084670702 |  | 743552 | 1479 | SH |  | SOLE | 0 | 1078 | 0 | 401 |
| BlackRock Inc. | Com | 09290D101 |  | 434870 | 373 | SH |  | SOLE | 0 | 373 | 0 | 0 |
| Boeing Co | Com | 097023105 |  | 831377 | 3852 | SH |  | SOLE | 0 | 3712 | 0 | 140 |
| Broadcom Inc | Com | 11135F101 |  | 237535 | 720 | SH |  | SOLE | 0 | 720 | 0 | 0 |
| Cigna Group | Com | 125523100 |  | 725525 | 2517 | SH |  | SOLE | 0 | 2517 | 0 | 0 |
| Canadian Natl Ry Co | Com | 136375102 |  | 218116 | 2313 | SH |  | SOLE | 0 | 1373 | 0 | 940 |
| Caterpillar Inc | Com | 149123101 |  | 1051639 | 2204 | SH |  | SOLE | 0 | 2204 | 0 | 0 |
| Chevron Corporation | Com | 166764100 |  | 464938 | 2994 | SH |  | SOLE | 0 | 2994 | 0 | 0 |
| Cisco Systems | Com | 17275R102 |  | 477640 | 6981 | SH |  | SOLE | 0 | 6981 | 0 | 0 |
| Coca Cola Co | Com | 191216100 |  | 389564 | 5874 | SH |  | SOLE | 0 | 5874 | 0 | 0 |
| Constellation Brands Inc Cl A | Com | 21036P108 |  | 712270 | 5289 | SH |  | SOLE | 0 | 5289 | 0 | 0 |
| Digital Rlty Tr Inc | Com | 253868103 |  | 259147 | 1499 | SH |  | SOLE | 0 | 1499 | 0 | 0 |
| Dimensional World Ex US Core Equity 2 ETF | Com | 25434V880 |  | 350734 | 11177 | SH |  | SOLE | 0 | 0 | 0 | 11177 |
| Exxon-Mobil Corp | Com | 30231G102 |  | 537818 | 4770 | SH |  | SOLE | 0 | 4770 | 0 | 0 |
| Meta Platforms Inc | Com | 30303M102 |  | 570613 | 777 | SH |  | SOLE | 0 | 777 | 0 | 0 |
| General Dynamics Corp | Com | 369550108 |  | 211079 | 619 | SH |  | SOLE | 0 | 619 | 0 | 0 |
| Goldman Sachs Group Inc. | Com | 38141G104 |  | 534351 | 671 | SH |  | SOLE | 0 | 671 | 0 | 0 |
| HCA Healthcare Inc | Com | 40412C101 |  | 798699 | 1874 | SH |  | SOLE | 0 | 1874 | 0 | 0 |
| Hewlett Packard Enterprise Co | Com | 42824C109 |  | 241548 | 9835 | SH |  | SOLE | 0 | 9835 | 0 | 0 |
| Home Depot Inc | Com | 437076102 |  | 871564 | 2151 | SH |  | SOLE | 0 | 1751 | 0 | 400 |
| Intercontinental Exchange Inc | Com | 45866F104 |  | 263840 | 1566 | SH |  | SOLE | 0 | 1566 | 0 | 0 |
| Invesco QQQ Tr Series 1 | Com | 46090E103 |  | 833914 | 1389 | SH |  | SOLE | 0 | 1389 | 0 | 0 |
| iShares Core S P 500 ETF | Com | 464287200 |  | 524062 | 783 | SH |  | SOLE | 0 | 748 | 0 | 35 |
| iShares MSCI Emerging Markets | Com | 464287234 |  | 551035 | 10319 | SH |  | SOLE | 0 | 10319 | 0 | 0 |
| iShares 20 Year Treasury Bond ETF | Com | 464287432 |  | 232362 | 2600 | SH |  | SOLE | 0 | 2600 | 0 | 0 |
| iShares Lehman 7-10 Year Treasury Bond | Com | 464287440 |  | 220315 | 2284 | SH |  | SOLE | 0 | 0 | 0 | 2284 |
| iShares MSCI EAFE Index Fund | Com | 464287465 |  | 2636956 | 28242 | SH |  | SOLE | 0 | 28242 | 0 | 0 |
| iShares Russell Midcap Growth Index Fund | Com | 464287481 |  | 966394 | 6786 | SH |  | SOLE | 0 | 6786 | 0 | 0 |
| iShares Russell MidCap Index Fund | Com | 464287499 |  | 500129 | 5180 | SH |  | SOLE | 0 | 5180 | 0 | 0 |
| iShares TR Core S Mid-Cap ETF | Com | 464287507 |  | 590277 | 9045 | SH |  | SOLE | 0 | 375 | 0 | 8670 |
| iShares Tr Russell 2000 Index | Com | 464287655 |  | 601755 | 2487 | SH |  | SOLE | 0 | 2122 | 0 | 365 |
| iShares Core S US Value ETF | Com | 464287663 |  | 7360618 | 73643 | SH |  | SOLE | 0 | 73643 | 0 | 0 |
| iShares Tr Natl Mun Bd ETF | Com | 464288414 |  | 470579 | 4419 | SH |  | SOLE | 0 | 4419 | 0 | 0 |
| iShares Preferred  Income Secs ETF | Com | 464288687 |  | 777789 | 24598 | SH |  | SOLE | 0 | 24598 | 0 | 0 |
| iShares U.S. Treasury Bond ETF | Com | 46429B267 |  | 566348 | 24496 | SH |  | SOLE | 0 | 0 | 0 | 24496 |
| Ishares Tr/0-5 Yr Tips Bd ETF | Com | 46429B747 |  | 804244 | 7781 | SH |  | SOLE | 0 | 7781 | 0 | 0 |
| iShares Core MSCI Total Instl Stk ETF | Com | 46432F834 |  | 777656 | 9417 | SH |  | SOLE | 0 | 0 | 0 | 9417 |
| iShares Core MSCI EAFE ETF | Com | 46432F842 |  | 369321 | 4230 | SH |  | SOLE | 0 | 2995 | 0 | 1235 |
| iShares Core MSCI Emerging Markets ETF | Com | 46434G103 |  | 472251 | 7164 | SH |  | SOLE | 0 | 900 | 0 | 6264 |
| JP Morgan Chase  Co | Com | 46625H100 |  | 1624149 | 5149 | SH |  | SOLE | 0 | 4674 | 0 | 475 |
| Johnson  Johnson | Com | 478160104 |  | 392163 | 2115 | SH |  | SOLE | 0 | 1835 | 0 | 280 |
| L3Harris Technologies Inc | Com | 502431109 |  | 276701 | 906 | SH |  | SOLE | 0 | 906 | 0 | 0 |
| Lennar Corporation | Com | 526057104 |  | 729772 | 5790 | SH |  | SOLE | 0 | 5790 | 0 | 0 |
| Lilly Eli  Co | Com | 532457108 |  | 14258944 | 18688 | SH |  | SOLE | 0 | 18688 | 0 | 0 |
| Lockheed Martin Corp Com | Com | 539830109 |  | 1075298 | 2154 | SH |  | SOLE | 0 | 2154 | 0 | 0 |
| Markel Corp | Com | 570535104 |  | 217895 | 114 | SH |  | SOLE | 0 | 0 | 0 | 114 |
| Mastercard Inc Cl A | Com | 57636Q104 |  | 350387 | 616 | SH |  | SOLE | 0 | 616 | 0 | 0 |
| McDonalds Corp | Com | 580135101 |  | 547306 | 1801 | SH |  | SOLE | 0 | 1801 | 0 | 0 |
| Merck  Co Inc New | Com | 58933Y105 |  | 1075731 | 12817 | SH |  | SOLE | 0 | 12817 | 0 | 0 |
| Microsoft Corporation | Com | 594918104 |  | 4112005 | 7939 | SH |  | SOLE | 0 | 7005 | 0 | 934 |
| NOV Inc | Com | 62955J103 |  | 1378265 | 104020 | SH |  | SOLE | 0 | 104020 | 0 | 0 |
| NextEra Energy Inc | Com | 65339F101 |  | 431425 | 5715 | SH |  | SOLE | 0 | 5715 | 0 | 0 |
| Norfolk Southern Corp | Com | 655844108 |  | 383023 | 1275 | SH |  | SOLE | 0 | 1050 | 0 | 225 |
| Nvidia Corp. | Com | 67066G104 |  | 1875502 | 10052 | SH |  | SOLE | 0 | 8497 | 0 | 1555 |
| O'Reilly Automotive Inc New Com | Com | 67103H107 |  | 210230 | 1950 | SH |  | SOLE | 0 | 1140 | 0 | 810 |
| Oracle Corporation | Com | 68389X105 |  | 453640 | 1613 | SH |  | SOLE | 0 | 1613 | 0 | 0 |
| Paychex Inc. | Com | 704326107 |  | 267971 | 2114 | SH |  | SOLE | 0 | 2114 | 0 | 0 |
| Paypal Hldgs Inc | Com | 70450Y103 |  | 671673 | 10016 | SH |  | SOLE | 0 | 10016 | 0 | 0 |
| Pepsico Inc | Com | 713448108 |  | 1365217 | 9721 | SH |  | SOLE | 0 | 9146 | 0 | 575 |
| Pfizer Inc. | Com | 717081103 |  | 983910 | 38615 | SH |  | SOLE | 0 | 38615 | 0 | 0 |
| Procter  Gamble Co | Com | 742718109 |  | 601693 | 3916 | SH |  | SOLE | 0 | 3916 | 0 | 0 |
| RTX Corp | Com | 75513E101 |  | 752316 | 4496 | SH |  | SOLE | 0 | 4311 | 0 | 185 |
| SPDR S 500 ETF Trust | Com | 78462F103 |  | 9386476 | 14090 | SH |  | SOLE | 0 | 11994 | 0 | 2096 |
| Spdr Gold Trust | Com | 78463V107 |  | 217903 | 613 | SH |  | SOLE | 0 | 613 | 0 | 0 |
| SPDR S 600 Small Cap Value ETF | Com | 78464A300 |  | 2901249 | 32727 | SH |  | SOLE | 0 | 32727 | 0 | 0 |
| SPDR S 500 Growth ETF | Com | 78464A409 |  | 6598343 | 63136 | SH |  | SOLE | 0 | 63136 | 0 | 0 |
| Spdr S P 400 Mid Cap Value ETF | Com | 78464A839 |  | 3933449 | 47158 | SH |  | SOLE | 0 | 47158 | 0 | 0 |
| Salesforce.Com | Com | 79466L302 |  | 819546 | 3458 | SH |  | SOLE | 0 | 3458 | 0 | 0 |
| SAP SE-Sponsored ADR | Com | 803054204 |  | 227930 | 853 | SH |  | SOLE | 0 | 853 | 0 | 0 |
| Schlumberger Ltd | Com | 806857108 |  | 930774 | 27081 | SH |  | SOLE | 0 | 27081 | 0 | 0 |
| Schwab Charles Corp | Com | 808513105 |  | 930451 | 9746 | SH |  | SOLE | 0 | 9746 | 0 | 0 |
| Schwab Fundamental Intl Equity ETF | Com | 808524755 |  | 6316752 | 147038 | SH |  | SOLE | 0 | 147038 | 0 | 0 |
| Schwab Fundamental US Large ETF | Com | 808524771 |  | 366096 | 13920 | SH |  | SOLE | 0 | 0 | 0 | 13920 |
| Snap-On Inc. | Com | 833034101 |  | 249155 | 719 | SH |  | SOLE | 0 | 719 | 0 | 0 |
| TJX Companies Inc | Com | 872540109 |  | 617330 | 4271 | SH |  | SOLE | 0 | 3858 | 0 | 413 |
| T-Mobile US | Com | 872590104 |  | 599886 | 2506 | SH |  | SOLE | 0 | 2506 | 0 | 0 |
| Thermo Fisher Scientific Inc. | Com | 883556102 |  | 360370 | 743 | SH |  | SOLE | 0 | 743 | 0 | 0 |
| Travelers Cos Inc. | Com | 89417E109 |  | 460155 | 1648 | SH |  | SOLE | 0 | 1648 | 0 | 0 |
| Truist Finl Corp | Com | 89832Q109 |  | 920618 | 20136 | SH |  | SOLE | 0 | 20136 | 0 | 0 |
| United Parcel Service Inc | Com | 911312106 |  | 1130411 | 13533 | SH |  | SOLE | 0 | 13533 | 0 | 0 |
| Unitedhealth Group Inc | Com | 91324P102 |  | 261737 | 758 | SH |  | SOLE | 0 | 458 | 0 | 300 |
| Vanguard FTSE Developed Markets ETF | Com | 921943858 |  | 284620 | 4750 | SH |  | SOLE | 0 | 3350 | 0 | 1400 |
| Vanguard FTSE Emerging Mkt MFC | Com | 922042858 |  | 1037655 | 19152 | SH |  | SOLE | 0 | 17211 | 0 | 1941 |
| Vanguard MSCI Europe ETF | Com | 922042874 |  | 743975 | 9323 | SH |  | SOLE | 0 | 9323 | 0 | 0 |
| Vanguard Index Funds S  P 500 ETF | Com | 922908363 |  | 280470 | 458 | SH |  | SOLE | 0 | 458 | 0 | 0 |
| Vanguard REIT ETF | Com | 922908553 |  | 485897 | 5315 | SH |  | SOLE | 0 | 5315 | 0 | 0 |
| Vanguard Mid-Cap Etf | Com | 922908629 |  | 557225 | 1897 | SH |  | SOLE | 0 | 1897 | 0 | 0 |
| Vanguard Small Cap ETF | Com | 922908751 |  | 1624341 | 6388 | SH |  | SOLE | 0 | 6388 | 0 | 0 |
| Visa | Com | 92826C839 |  | 857205 | 2511 | SH |  | SOLE | 0 | 1373 | 0 | 1138 |
| Walmart Inc | Com | 931142103 |  | 413580 | 4013 | SH |  | SOLE | 0 | 4013 | 0 | 0 |
| WisdomTree Emerging Markets ETF | Com | 97717W315 |  | 1767350 | 38429 | SH |  | SOLE | 0 | 38429 | 0 | 0 |

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