VERABANK, N.A.

Filed: 5/9/2025ACC: 0001767297-25-000002

📋 What this filing means

VERABANK, N.A. filed this quarterly 13F‑HR report disclosing 144 equity positions with a total reported market value of $358.47M. This filing provides a transparent view of the manager's long equity holdings as of the quarter end.

144

Positions

$358.47M

Total AUM (reported)

4.82M

Total Shares

Allocation by class

EXCHANGE TRADED FUND$145.37M40.6%

COMMON STOCK$134.98M37.7%

INTERNATIONAL EQUITY ETF$65.68M18.3%

FIXED INCOME ETF$9.87M2.8%

INT'L COMMON STOCK$2.56M0.7%

Portfolio Concentration

Top 3$80.05M22.3%

4–10$101.73M28.4%

11–25$73.41M20.5%

Rest$103.27M28.8%

Top 3 weight

22.3%

Top 10 weight

50.7%

Voting Authority Distribution

Total shares with voting rights: 4.82M

Sole

Full voting authority

4.78M

% of voting shares99.1%

Shared

Joint voting authority

35.67K

% of voting shares0.7%

None

No voting authority

7.27K

% of voting shares0.2%

Investment Discretion (by position count)

Sole101

Shared0

Other43

Dominant voting typeSole · 99.1% of voting shares

Institutional Holdings144

Rows:

FLEXSHARES TR

OTR

Exchange Traded Fund

Shares433.45K

TypeSH

Market value$29.63M

8.27%

Sole

431.26K

Shared

1.80K

None

391.00

VANGUARD WHITEHALL FDS

SOLE

International Equity ETF

Shares314.41K

TypeSH

Market value$26.08M

7.27%

Sole

312.72K

Shared

1.39K

None

303.00

DIMENSIONAL ETF TRUST

SOLE

Exchange Traded Fund

Shares633.29K

TypeSH

Market value$24.34M

6.79%

Sole

631.55K

Shared

0.00

None

1.74K

ISHARES TR

SOLE

Exchange Traded Fund

Shares35.41K

TypeSH

Market value$19.90M

5.55%

Sole

35.31K

Shared

0.00

None

101.00

VANGUARD INDEX FDS

OTR

Exchange Traded Fund

Shares44.03K

TypeSH

Market value$16.33M

4.56%

Sole

43.38K

Shared

550.00

None

110.00

DIMENSIONAL ETF TRUST

SOLE

International Equity ETF

Shares521.89K

TypeSH

Market value$14.49M

4.04%

Sole

520.57K

Shared

0.00

None

1.32K

AMERICAN CENTY ETF TR

SOLE

International Equity ETF

Shares232.72K

TypeSH

Market value$14.00M

3.91%

Sole

230.62K

Shared

2.10K

None

0.00

APPLE INC

SOLE

Common Stock

Shares60.81K

TypeSH

Market value$13.51M

3.77%

Sole

59.12K

Shared

1.69K

None

0.00

DIMENSIONAL ETF TRUST

OTR

Exchange Traded Fund

Shares436.83K

TypeSH

Market value$13.35M

3.73%

Sole

435.95K

Shared

0.00

None

879.00

MICROSOFT CORP

SOLE

Common Stock

Shares27.03K

TypeSH

Market value$10.15M

2.83%

Sole

27.03K

Shared

0.00

None

0.00

J P MORGAN EXCHANGE TRADED FD

SOLE

Exchange Traded Fund

Shares162.22K

TypeSH

Market value$9.27M

2.59%

Sole

162.01K

Shared

0.00

None

217.00

FLEXSHARES TR

OTR

Fixed Income ETF

Shares376.19K

TypeSH

Market value$9.17M

2.56%

Sole

375.78K

Shared

0.00

None

403.00

DIMENSIONAL ETF TRUST

SOLE

International Equity ETF

Shares163.49K

TypeSH

Market value$6.44M

1.80%

Sole

163.22K

Shared

0.00

None

276.00

DIMENSIONAL ETF TRUST

OTR

Exchange Traded Fund

Shares104.70K

TypeSH

Market value$6.26M

1.75%

Sole

104.38K

Shared

0.00

None

329.00

EXXON MOBIL CORP

OTR

Common Stock

Shares45.42K

TypeSH

Market value$5.40M

1.51%

Sole

43.18K

Shared

2.24K

None

0.00

JPMORGAN CHASE & CO.

SOLE

Common Stock

Shares20.41K

TypeSH

Market value$5.01M

1.40%

Sole

20.41K

Shared

0.00

None

0.00

ALPHABET INC

SOLE

Common Stock

Shares29.06K

TypeSH

Market value$4.54M

1.27%

Sole

28.02K

Shared

1.04K

None

0.00

BERKSHIRE HATHAWAY INC DEL

OTR

Common Stock

Shares8.19K

TypeSH

Market value$4.36M

1.22%

Sole

7.52K

Shared

670.00

None

0.00

VANGUARD INDEX FDS

SOLE

Exchange Traded Fund

Shares44.95K

TypeSH

Market value$4.07M

1.14%

Sole

44.82K

Shared

0.00

None

137.00

CHEVRON CORP NEW

OTR

Common Stock

Shares21.41K

TypeSH

Market value$3.58M

1.00%

Sole

21.41K

Shared

0.00

None

0.00

FLEXSHARES TR

OTR

Exchange Traded Fund

Shares85.45K

TypeSH

Market value$3.32M

0.93%

Sole

85.16K

Shared

0.00

None

292.00

LOWES COS INC

OTR

Common Stock

Shares13.73K

TypeSH

Market value$3.20M

0.89%

Sole

12.76K

Shared

970.00

None

0.00

AMAZON COM INC

SOLE

Common Stock

Shares16.05K

TypeSH

Market value$3.05M

0.85%

Sole

15.73K

Shared

320.00

None

0.00

ALPHABET INC

OTR

Common Stock

Shares19.28K

TypeSH

Market value$2.98M

0.83%

Sole

18.48K

Shared

800.00

None

0.00

DIMENSIONAL ETF TRUST

OTR

International Equity ETF

Shares104.46K

TypeSH

Market value$2.76M

0.77%

Sole

103.69K

Shared

0.00

None

771.00

Issuer	Class	Shares	Type	Value / Portfolio %	Voting — Sole	Shared	None
FLEXSHARES TROTR	Exchange Traded Fund	433.45K	SH	$29.63M 8.27%	431.26K	1.80K	391.00
VANGUARD WHITEHALL FDSSOLE	International Equity ETF	314.41K	SH	$26.08M 7.27%	312.72K	1.39K	303.00
DIMENSIONAL ETF TRUSTSOLE	Exchange Traded Fund	633.29K	SH	$24.34M 6.79%	631.55K	0.00	1.74K
ISHARES TRSOLE	Exchange Traded Fund	35.41K	SH	$19.90M 5.55%	35.31K	0.00	101.00
VANGUARD INDEX FDSOTR	Exchange Traded Fund	44.03K	SH	$16.33M 4.56%	43.38K	550.00	110.00
DIMENSIONAL ETF TRUSTSOLE	International Equity ETF	521.89K	SH	$14.49M 4.04%	520.57K	0.00	1.32K
AMERICAN CENTY ETF TRSOLE	International Equity ETF	232.72K	SH	$14.00M 3.91%	230.62K	2.10K	0.00
APPLE INCSOLE	Common Stock	60.81K	SH	$13.51M 3.77%	59.12K	1.69K	0.00
DIMENSIONAL ETF TRUSTOTR	Exchange Traded Fund	436.83K	SH	$13.35M 3.73%	435.95K	0.00	879.00
MICROSOFT CORPSOLE	Common Stock	27.03K	SH	$10.15M 2.83%	27.03K	0.00	0.00
J P MORGAN EXCHANGE TRADED FDSOLE	Exchange Traded Fund	162.22K	SH	$9.27M 2.59%	162.01K	0.00	217.00
FLEXSHARES TROTR	Fixed Income ETF	376.19K	SH	$9.17M 2.56%	375.78K	0.00	403.00
DIMENSIONAL ETF TRUSTSOLE	International Equity ETF	163.49K	SH	$6.44M 1.80%	163.22K	0.00	276.00
DIMENSIONAL ETF TRUSTOTR	Exchange Traded Fund	104.70K	SH	$6.26M 1.75%	104.38K	0.00	329.00
EXXON MOBIL CORPOTR	Common Stock	45.42K	SH	$5.40M 1.51%	43.18K	2.24K	0.00
JPMORGAN CHASE & CO.SOLE	Common Stock	20.41K	SH	$5.01M 1.40%	20.41K	0.00	0.00
ALPHABET INCSOLE	Common Stock	29.06K	SH	$4.54M 1.27%	28.02K	1.04K	0.00
BERKSHIRE HATHAWAY INC DELOTR	Common Stock	8.19K	SH	$4.36M 1.22%	7.52K	670.00	0.00
VANGUARD INDEX FDSSOLE	Exchange Traded Fund	44.95K	SH	$4.07M 1.14%	44.82K	0.00	137.00
CHEVRON CORP NEWOTR	Common Stock	21.41K	SH	$3.58M 1.00%	21.41K	0.00	0.00
FLEXSHARES TROTR	Exchange Traded Fund	85.45K	SH	$3.32M 0.93%	85.16K	0.00	292.00
LOWES COS INCOTR	Common Stock	13.73K	SH	$3.20M 0.89%	12.76K	970.00	0.00
AMAZON COM INCSOLE	Common Stock	16.05K	SH	$3.05M 0.85%	15.73K	320.00	0.00
ALPHABET INCOTR	Common Stock	19.28K	SH	$2.98M 0.83%	18.48K	800.00	0.00
DIMENSIONAL ETF TRUSTOTR	International Equity ETF	104.46K	SH	$2.76M 0.77%	103.69K	0.00	771.00

Page 1 of 6

…