VERABANK, N.A.

Filed: 1/30/2025ACC: 0001767297-25-000001

📋 What this filing means

VERABANK, N.A. filed this quarterly 13F‑HR report disclosing 146 equity positions with a total reported market value of $354.69M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

146

Positions

$354.69M

Total AUM (reported)

4.71M

Total Shares

Allocation by class

EXCHANGE TRADED FUND$143.28M40.4%

COMMON STOCK$138.80M39.1%

INTERNATIONAL EQUITY ETF$60.53M17.1%

FIXED INCOME ETF$9.28M2.6%

INT'L COMMON STOCK$2.80M0.8%

Portfolio Concentration

Top 3$78.89M22.2%

4–10$98.50M27.8%

11–25$74.18M20.9%

Rest$103.12M29.1%

Top 3 weight

22.2%

Top 10 weight

50.0%

Voting Authority Distribution

Total shares with voting rights: 4.71M

Sole

Full voting authority

4.66M

% of voting shares99.0%

Shared

Joint voting authority

38.50K

% of voting shares0.8%

None

No voting authority

7.27K

% of voting shares0.2%

Investment Discretion (by position count)

Sole108

Shared0

Other38

Dominant voting typeSole · 99.0% of voting shares

Institutional Holdings146

Rows:

FLEXSHARES TR

SOLE

Exchange Traded Fund

Shares429.47K

TypeSH

Market value$30.30M

8.54%

Sole

427.27K

Shared

1.80K

None

391.00

VANGUARD WHITEHALL FDS

SOLE

International Equity ETF

Shares315.32K

TypeSH

Market value$25.22M

7.11%

Sole

313.63K

Shared

1.39K

None

303.00

DIMENSIONAL ETF TRUST

SOLE

Exchange Traded Fund

Shares577.18K

TypeSH

Market value$23.37M

6.59%

Sole

575.43K

Shared

0.00

None

1.74K

ISHARES TR

OTR

Exchange Traded Fund

Shares32.02K

TypeSH

Market value$18.85M

5.31%

Sole

31.92K

Shared

0.00

None

101.00

APPLE INC

SOLE

Common Stock

Shares61.28K

TypeSH

Market value$15.35M

4.33%

Sole

59.54K

Shared

1.74K

None

0.00

VANGUARD INDEX FDS

OTR

Exchange Traded Fund

Shares37.08K

TypeSH

Market value$15.22M

4.29%

Sole

36.97K

Shared

0.00

None

110.00

AMERICAN CENTY ETF TR

SOLE

International Equity ETF

Shares218.08K

TypeSH

Market value$12.82M

3.61%

Sole

215.98K

Shared

2.10K

None

0.00

DIMENSIONAL ETF TRUST

SOLE

International Equity ETF

Shares482.28K

TypeSH

Market value$12.46M

3.51%

Sole

480.96K

Shared

0.00

None

1.32K

DIMENSIONAL ETF TRUST

SOLE

Exchange Traded Fund

Shares407K

TypeSH

Market value$12.22M

3.45%

Sole

406.13K

Shared

0.00

None

879.00

MICROSOFT CORP

SOLE

Common Stock

Shares27.46K

TypeSH

Market value$11.58M

3.26%

Sole

27.46K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED FD

SOLE

Exchange Traded Fund

Shares176.42K

TypeSH

Market value$10.15M

2.86%

Sole

176.20K

Shared

0.00

None

217.00

FLEXSHARES TR

OTR

Fixed Income ETF

Shares361.49K

TypeSH

Market value$8.53M

2.40%

Sole

361.09K

Shared

0.00

None

403.00

DIMENSIONAL ETF TRUST

SOLE

Exchange Traded Fund

Shares97.88K

TypeSH

Market value$6.37M

1.80%

Sole

97.55K

Shared

0.00

None

329.00

ALPHABET INC

SOLE

Common Stock

Shares29.15K

TypeSH

Market value$5.55M

1.57%

Sole

28.11K

Shared

1.04K

None

0.00

JPMORGAN CHASE & CO.

SOLE

Common Stock

Shares21.04K

TypeSH

Market value$5.04M

1.42%

Sole

21.04K

Shared

0.00

None

0.00

EXXON MOBIL CORP

OTR

Common Stock

Shares45.88K

TypeSH

Market value$4.94M

1.39%

Sole

43.65K

Shared

2.24K

None

0.00

DIMENSIONAL ETF TRUST

OTR

International Equity ETF

Shares137.04K

TypeSH

Market value$4.86M

1.37%

Sole

135.96K

Shared

803.00

None

276.00

FLEXSHARES TR

SOLE

Exchange Traded Fund

Shares117.49K

TypeSH

Market value$4.27M

1.20%

Sole

117.20K

Shared

0.00

None

292.00

ALPHABET INC

OTR

Common Stock

Shares19.45K

TypeSH

Market value$3.68M

1.04%

Sole

18.64K

Shared

800.00

None

0.00

VANGUARD INDEX FDS

OTR

Exchange Traded Fund

Shares41.22K

TypeSH

Market value$3.67M

1.04%

Sole

41.08K

Shared

0.00

None

137.00

BERKSHIRE HATHAWAY INC DEL

SOLE

Common Stock

Shares7.87K

TypeSH

Market value$3.57M

1.01%

Sole

7.20K

Shared

670.00

None

0.00

AMAZON COM INC

SOLE

Common Stock

Shares16.07K

TypeSH

Market value$3.53M

0.99%

Sole

15.75K

Shared

320.00

None

0.00

LOWES COS INC

SOLE

Common Stock

Shares14.18K

TypeSH

Market value$3.50M

0.99%

Sole

12.81K

Shared

1.37K

None

0.00

DIMENSIONAL ETF TRUST

OTR

International Equity ETF

Shares129.52K

TypeSH

Market value$3.39M

0.96%

Sole

128.75K

Shared

0.00

None

771.00

CHEVRON CORP NEW

OTR

Common Stock

Shares21.58K

TypeSH

Market value$3.13M

0.88%

Sole

21.58K

Shared

0.00

None

0.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	Shared	None
FLEXSHARES TRSOLE	Exchange Traded Fund	429.47K	SH	$30.30M 8.54%	427.27K	1.80K	391.00
VANGUARD WHITEHALL FDSSOLE	International Equity ETF	315.32K	SH	$25.22M 7.11%	313.63K	1.39K	303.00
DIMENSIONAL ETF TRUSTSOLE	Exchange Traded Fund	577.18K	SH	$23.37M 6.59%	575.43K	0.00	1.74K
ISHARES TROTR	Exchange Traded Fund	32.02K	SH	$18.85M 5.31%	31.92K	0.00	101.00
APPLE INCSOLE	Common Stock	61.28K	SH	$15.35M 4.33%	59.54K	1.74K	0.00
VANGUARD INDEX FDSOTR	Exchange Traded Fund	37.08K	SH	$15.22M 4.29%	36.97K	0.00	110.00
AMERICAN CENTY ETF TRSOLE	International Equity ETF	218.08K	SH	$12.82M 3.61%	215.98K	2.10K	0.00
DIMENSIONAL ETF TRUSTSOLE	International Equity ETF	482.28K	SH	$12.46M 3.51%	480.96K	0.00	1.32K
DIMENSIONAL ETF TRUSTSOLE	Exchange Traded Fund	407K	SH	$12.22M 3.45%	406.13K	0.00	879.00
MICROSOFT CORPSOLE	Common Stock	27.46K	SH	$11.58M 3.26%	27.46K	0.00	0.00
J P MORGAN EXCHANGE TRADED FDSOLE	Exchange Traded Fund	176.42K	SH	$10.15M 2.86%	176.20K	0.00	217.00
FLEXSHARES TROTR	Fixed Income ETF	361.49K	SH	$8.53M 2.40%	361.09K	0.00	403.00
DIMENSIONAL ETF TRUSTSOLE	Exchange Traded Fund	97.88K	SH	$6.37M 1.80%	97.55K	0.00	329.00
ALPHABET INCSOLE	Common Stock	29.15K	SH	$5.55M 1.57%	28.11K	1.04K	0.00
JPMORGAN CHASE & CO.SOLE	Common Stock	21.04K	SH	$5.04M 1.42%	21.04K	0.00	0.00
EXXON MOBIL CORPOTR	Common Stock	45.88K	SH	$4.94M 1.39%	43.65K	2.24K	0.00
DIMENSIONAL ETF TRUSTOTR	International Equity ETF	137.04K	SH	$4.86M 1.37%	135.96K	803.00	276.00
FLEXSHARES TRSOLE	Exchange Traded Fund	117.49K	SH	$4.27M 1.20%	117.20K	0.00	292.00
ALPHABET INCOTR	Common Stock	19.45K	SH	$3.68M 1.04%	18.64K	800.00	0.00
VANGUARD INDEX FDSOTR	Exchange Traded Fund	41.22K	SH	$3.67M 1.04%	41.08K	0.00	137.00
BERKSHIRE HATHAWAY INC DELSOLE	Common Stock	7.87K	SH	$3.57M 1.01%	7.20K	670.00	0.00
AMAZON COM INCSOLE	Common Stock	16.07K	SH	$3.53M 0.99%	15.75K	320.00	0.00
LOWES COS INCSOLE	Common Stock	14.18K	SH	$3.50M 0.99%	12.81K	1.37K	0.00
DIMENSIONAL ETF TRUSTOTR	International Equity ETF	129.52K	SH	$3.39M 0.96%	128.75K	0.00	771.00
CHEVRON CORP NEWOTR	Common Stock	21.58K	SH	$3.13M 0.88%	21.58K	0.00	0.00

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