Silver Oak Advisory Group, Inc.
In its 13F for Q3 2025 (holdings as of September 30, 2025, filed November 7, 2025), Silver Oak Advisory Group, Inc. reported 77 stock positions worth $221.0 million. Its top holding was Vanguard Total Bond Market (BND) at 19.7% of the portfolio, followed by Vanguard Total Intl Bond ETF (BNDX, 11.0%) and Vanguard Short-Term Bond ETF (BSV, 7.5%). Compared with Q2 2025, it opened 7 new positions, sold out of 3, added to 22 and reduced 30. The biggest buy was Dimensional US Core Equity 2 (DFAC, shares +11%) and the biggest sale Vanguard Tax-Exempt Bond ETF (VTEB, shares −8%).
- Most Recent 13F
- Q2 2026
- Location
- PORTLAND, OR
- CIK
- 0001906937
- Portfolio Value
- $221.0M (Q3 2025)
- SEC Filing
- 0001906937-25-000002 ↗ filed Nov 7, 2025
Holdings Value
Holdings 77 stocks · $221.0M
| BND Vanguard Total Bond Market | 19.69% | 585,264 | $43.5M | Add +4.2% |
| BNDX Vanguard Total Intl Bond ETF | 11.02% | 492,420 | $24.4M | Add +3.7% |
| BSV Vanguard Short-Term Bond ETF | 7.46% | 208,945 | $16.5M | Add +5.4% |
| DFAC Dimensional US Core Equity 2 | 6.94% | 397,898 | $15.3M | Add +11.2% |
| DFAX Dimensional World Ex US Core | 6.49% | 457,436 | $14.4M | Add +9.7% |
| VTI VG Morningstar TS MKT ETF-US | 4.91% | 33,056 | $10.8M | Reduce -1.5% |
| VTEB Vanguard Tax-Exempt Bond ETF | 4.38% | 193,167 | $9.7M | Reduce -7.6% |
| VIOV Vanguard S&P Small-Cap 600 V | 3.85% | 89,355 | $8.5M | Reduce -2.1% |
| VNQ Vanguard Real Estate ETF | 3.09% | 74,696 | $6.8M | Add +4.0% |
| BIV Vanguard Intermediate-Term B | 2.85% | 80,644 | $6.3M | Add +1.7% |
| VXUS Vanguard Total Intl Stock | 2.73% | 82,229 | $6.0M | Reduce -6.9% |
| VTEI Vanguard Int Tax-Exempt Bond | 2.37% | 52,278 | $5.2M | Add +34.3% |
| SCHB Schwab US Broad Market ETF | 1.85% | 158,704 | $4.1M | Reduce -3.2% |
| VSGX Vanguard ESG Intl Stock ETF | 1.38% | 43,926 | $3.0M | Reduce -2.4% |
| MSFT Microsoft Corp. | 1.13% | 4,833 | $2.5M | Reduce -2.4% |
| AAPL Apple Inc. | 1.10% | 9,516 | $2.4M | Reduce -2.8% |
| NUBD Nuveen ESG US Aggregate Bond | 1.09% | 107,187 | $2.4M | Reduce -9.8% |
| VTIP Vanguard Short-Term Tips | 1.01% | 44,119 | $2.2M | Add +1.3% |
| VTES Vanguard SH Term Tax-Ex Bond | 1.01% | 21,886 | $2.2M | Add +9.9% |
| VT Vanguard Tot World STK ETF | 0.86% | 13,735 | $1.9M | Add +4.5% |
| VIOO Vanguard S&P Small-Cap 600 E | 0.84% | 16,832 | $1.9M | Add +7.9% |
| DFUS Dimensional US Eq MKT ETF | 0.81% | 24,807 | $1.8M | Reduce -0.7% |
| ESGV Vanguard ESG US Stock ETF | 0.72% | 13,414 | $1.6M | Reduce -0.6% |
| VV Vngrd Mrgstr LRG-Cap ETF-Usd | 0.60% | 4,283 | $1.3M | No change |
| VGIT Vanguard Intermediate-Term T | 0.57% | 20,965 | $1.3M | Add +7.8% |
| SPY SS SPDR S&P 500 ETF Trust-US | 0.55% | 1,826 | $1.2M | No change |
| COST Costco Wholesale Corp. | 0.53% | 1,278 | $1.2M | No change |
| DFUV Dimensional US Marketwide Va | 0.46% | 22,883 | $1.0M | Reduce -2.2% |
| VCIT Vanguard Int-Term Corporate | 0.44% | 11,507 | $967K | Reduce -12.7% |
| DFAT Dimensional US Target Value | 0.43% | 16,475 | $959K | Add +3.1% |
| VTV Vanguard Mrngstr Val ETF-Aui | 0.43% | 5,113 | $953K | Add +0.0% |
| EAGG iShares ESG Aware US Aggrega | 0.42% | 19,213 | $922K | Reduce -0.1% |
| VGSR Vert GLB Sust Re ETF filed as MANAGER DIRECTED PORTFOLIOS | 0.41% | 84,831 | $903K | Add +9.4% |
| NUSC Nuveen ESG Small-Cap ETF | 0.37% | 18,604 | $820K | Reduce -2.9% |
| VB Vanguard Most SM-Cap ETF-Usd | 0.37% | 3,212 | $816K | Add +0.0% |
| VGSH Vanguard Short-Term Treasury | 0.35% | 13,221 | $778K | Add +0.3% |
| IVV iShares Core S&P 500 ETF | 0.30% | 998 | $667K | Reduce -29.2% |
| VBR Vngrd Mrngst SL-CP Val ETF-U | 0.27% | 2,873 | $599K | Reduce -1.7% |
| WFC Wells Fargo & Co. | 0.27% | 7,004 | $587K | Reduce -5.0% |
| JPM JPMorgan Chase & Co. | 0.26% | 1,849 | $583K | Reduce -11.6% |
| ABBV Abbvie Inc. | 0.25% | 2,387 | $552K | No change |
| CSX CSX Corp. | 0.23% | 14,169 | $503K | No change |
| VEU Vanguard Ftse All-World Ex-U | 0.23% | 7,044 | $502K | Reduce -1.7% |
| GBCI Glacier Bancorp Inc. | 0.22% | 9,993 | $486K | No change |
| DFIV Dimensional International Va | 0.20% | 9,815 | $452K | No change |
| XOM Exxon Mobil Corp. | 0.20% | 3,860 | $435K | Reduce -1.6% |
| LLY Eli Lilly & Co. | 0.19% | 553 | $421K | Reduce -4.2% |
| SCHF Schwab Intl Equity ETF | 0.19% | 17,998 | $418K | No change |
| IYY iShares Dow Jones U.S. ETF | 0.19% | 2,539 | $412K | Reduce -2.9% |
| VWO Vanguard Ftse Emerging Marke | 0.18% | 7,260 | $393K | Reduce -8.6% |
| NKE Nike Inc. Class B | 0.18% | 5,617 | $391K | New |
| IWB iShares Russell 1000 ETF | 0.18% | 1,061 | $387K | No change |
| AMGN Amgen Inc. | 0.17% | 1,371 | $386K | Reduce -0.1% |
| SUSB iShares ESG Aware 1-5 Year U | 0.14% | 12,539 | $317K | Add +0.1% |
| CSCO Cisco Systems Inc. | 0.14% | 4,441 | $303K | No change |
| RTX RTX Corp. | 0.14% | 1,816 | $303K | Reduce -2.4% |
| ESGD iShares Trust iShares ESG Aw | 0.13% | 3,202 | $297K | Reduce -3.3% |
| INTC Intel Corp. | 0.13% | 8,810 | $295K | New |
| DFAS Dimensional US Small Cap ETF | 0.12% | 4,034 | $276K | No change |
| SBUX Starbucks Corp. | 0.12% | 3,273 | $276K | No change |
| VUG Vanguard Mrngstar GR ETF-Sui | 0.12% | 568 | $272K | Reduce -10.6% |
| GOOGL Alphabet Inc. Class A | 0.12% | 1,101 | $267K | New |
| HD Home Depot Inc. | 0.12% | 659 | $267K | Reduce -3.4% |
| VSS Vanguard Ftse All Wo X-US SC | 0.12% | 1,870 | $266K | Reduce -2.0% |
| CVX Chevron Corp. | 0.12% | 1,684 | $261K | No change |
| VEA Vanguard Ftse Developed ETF | 0.12% | 4,284 | $256K | Add +0.1% |
| VOO Vanguard S&P 500 ETF | 0.11% | 413 | $253K | No change |
| GLD SPDR Gold Shares | 0.11% | 694 | $246K | No change |
| DFSU Dimensional US Sus CORE1 ETF | 0.11% | 5,640 | $239K | Add +0.3% |
| HWM Howmet Aerospace Inc. | 0.11% | 1,219 | $239K | No change |
| VCSH Vanguard S/T Corp. Bond ETF | 0.11% | 2,972 | $237K | Add +0.2% |
| AGG iShares Core U.S. Aggregate | 0.10% | 2,319 | $232K | No change |
| JNJ Johnson & Johnson | 0.10% | 1,204 | $223K | New |
| GOOG Alphabet Inc. Class C | 0.10% | 897 | $218K | New |
| IVE iShares S&P 500 Value ETF | 0.10% | 1,026 | $211K | No change |
| DFAE Dimensional Emerging Core Eq | 0.09% | 6,487 | $204K | New |
| BIO Bio-Rad Laboratories-A | 0.09% | 726 | $203K | New |
Portfolio Sells Q2 2025 → Q3 2025
| VTEB Vanguard Tax-Exempt Bond ETF | Reduce -7.6% | 4.38% | −0.59 |
| VXUS Vanguard Total Intl Stock | Reduce -6.9% | 2.73% | −0.22 |
| NUBD Nuveen ESG US Aggregate Bond | Reduce -9.8% | 1.09% | −0.19 |
| LQD Ishr Ibx Usd Invgd CB ETF-Ui | Sold out | 0.00% | −0.13 |
| IVV iShares Core S&P 500 ETF | Reduce -29.2% | 0.30% | −0.12 |
| PG The Procter & Gamble Co. | Sold out | 0.00% | −0.10 |
| IBM Intl Business Machines Corp. | Sold out | 0.00% | −0.10 |
| VCIT Vanguard Int-Term Corporate | Reduce -12.7% | 0.44% | −0.09 |
| MSFT Microsoft Corp. | Reduce -2.4% | 1.13% | −0.06 |
| VSGX Vanguard ESG Intl Stock ETF | Reduce -2.4% | 1.38% | −0.05 |
| SCHB Schwab US Broad Market ETF | Reduce -3.2% | 1.85% | −0.05 |
| VTI VG Morningstar TS MKT ETF-US | Reduce -1.5% | 4.91% | −0.03 |
| JPM JPMorgan Chase & Co. | Reduce -11.6% | 0.26% | −0.03 |
| LLY Eli Lilly & Co. | Reduce -4.2% | 0.19% | −0.03 |
| EAGG iShares ESG Aware US Aggrega | Reduce -0.1% | 0.42% | −0.03 |
| WFC Wells Fargo & Co. | Reduce -5.0% | 0.27% | −0.02 |
| DFUV Dimensional US Marketwide Va | Reduce -2.2% | 0.46% | −0.02 |
| VWO Vanguard Ftse Emerging Marke | Reduce -8.6% | 0.18% | −0.01 |
| VUG Vanguard Mrngstar GR ETF-Sui | Reduce -10.6% | 0.12% | −0.01 |
| AMGN Amgen Inc. | Reduce -0.1% | 0.17% | −0.01 |
| ESGD iShares Trust iShares ESG Aw | Reduce -3.3% | 0.13% | −0.01 |
| XOM Exxon Mobil Corp. | Reduce -1.6% | 0.20% | −0.01 |
| NUSC Nuveen ESG Small-Cap ETF | Reduce -2.9% | 0.37% | −0.01 |
| VEU Vanguard Ftse All-World Ex-U | Reduce -1.7% | 0.23% | −0.01 |
| VBR Vngrd Mrngst SL-CP Val ETF-U | Reduce -1.7% | 0.27% | −0.00 |
| IYY iShares Dow Jones U.S. ETF | Reduce -2.9% | 0.19% | −0.00 |
| VSS Vanguard Ftse All Wo X-US SC | Reduce -2.0% | 0.12% | −0.00 |
| HD Home Depot Inc. | Reduce -3.4% | 0.12% | −0.00 |
| ESGV Vanguard ESG US Stock ETF | Reduce -0.6% | 0.72% | +0.00 |
| DFUS Dimensional US Eq MKT ETF | Reduce -0.7% | 0.81% | +0.00 |
| RTX RTX Corp. | Reduce -2.4% | 0.14% | +0.01 |
| VIOV Vanguard S&P Small-Cap 600 V | Reduce -2.1% | 3.85% | +0.07 |
| AAPL Apple Inc. | Reduce -2.8% | 1.10% | +0.12 |
Portfolio Buys Q2 2025 → Q3 2025
| DFAC Dimensional US Core Equity 2 | Add +11.2% | 6.94% | +0.73 |
| DFAX Dimensional World Ex US Core | Add +9.7% | 6.49% | +0.56 |
| VTEI Vanguard Int Tax-Exempt Bond | Add +34.3% | 2.37% | +0.52 |
| NKE Nike Inc. Class B | New | 0.18% | +0.18 |
| INTC Intel Corp. | New | 0.13% | +0.13 |
| GOOGL Alphabet Inc. Class A | New | 0.12% | +0.12 |
| JNJ Johnson & Johnson | New | 0.10% | +0.10 |
| GOOG Alphabet Inc. Class C | New | 0.10% | +0.10 |
| DFAE Dimensional Emerging Core Eq | New | 0.09% | +0.09 |
| BIO Bio-Rad Laboratories-A | New | 0.09% | +0.09 |
| VIOO Vanguard S&P Small-Cap 600 E | Add +7.9% | 0.84% | +0.08 |
| VT Vanguard Tot World STK ETF | Add +4.5% | 0.86% | +0.04 |
| VTES Vanguard SH Term Tax-Ex Bond | Add +9.9% | 1.01% | +0.04 |
| DFAT Dimensional US Target Value | Add +3.1% | 0.43% | +0.02 |
| VGSR Vert GLB Sust Re ETF | Add +9.4% | 0.41% | +0.02 |
| VGIT Vanguard Intermediate-Term T | Add +7.8% | 0.57% | +0.01 |
| DFSU Dimensional US Sus CORE1 ETF | Add +0.3% | 0.11% | +0.00 |
| VB Vanguard Most SM-Cap ETF-Usd | Add +0.0% | 0.37% | +0.00 |
| VEA Vanguard Ftse Developed ETF | Add +0.1% | 0.12% | −0.00 |
| VTV Vanguard Mrngstr Val ETF-Aui | Add +0.0% | 0.43% | −0.01 |
| VCSH Vanguard S/T Corp. Bond ETF | Add +0.2% | 0.11% | −0.01 |
| VNQ Vanguard Real Estate ETF | Add +4.0% | 3.09% | −0.01 |
| SUSB iShares ESG Aware 1-5 Year U | Add +0.1% | 0.14% | −0.01 |
| VGSH Vanguard Short-Term Treasury | Add +0.3% | 0.35% | −0.02 |
| VTIP Vanguard Short-Term Tips | Add +1.3% | 1.01% | −0.05 |
| BSV Vanguard Short-Term Bond ETF | Add +5.4% | 7.46% | −0.10 |
| BIV Vanguard Intermediate-Term B | Add +1.7% | 2.85% | −0.12 |
| BND Vanguard Total Bond Market | Add +4.2% | 19.69% | −0.34 |
| BNDX Vanguard Total Intl Bond ETF | Add +3.7% | 11.02% | −0.37 |
All Filings
| Quarter | Positions | 13F Reported Value | Top Holdings |
|---|---|---|---|
| Q2 2026 | 86 | $253.6M | BND, BNDX, DFAC, DFAX, BSV |
| Q1 2026 | 80 | $231.8M | BND, BNDX, DFAC, BSV, DFAX |
| Q4 2025 | 75 | $221.2M | BND, BNDX, BSV, DFAC, DFAX |
| Q3 2025 | 77 | $221.0M | BND, BNDX, BSV, DFAC, DFAX |
| Q2 2025 | 73 | $206.4M | BND, BNDX, BSV, DFAC, DFAX |
| Q1 2025 | 65 | $188.3M | BND, BNDX, BSV, VTEB, DFAC |
| Q4 2024 | 65 | $189.1M | BND, BNDX, BSV, VTEB, DFAC |
| Q3 2024 | 68 | $195.0M | BND, BNDX, BSV, VTEB, DFAC |
| Q2 2024 | 64 | $180.1M | BND, BNDX, BSV, VTEB, DFAC |
| Q1 2024 | 64 | $178.2M | BND, BNDX, BSV, VTEB, DFAC |