VeraBank, N.A.

In its 13F for Q4 2024 (holdings as of December 31, 2024, filed January 30, 2025), VeraBank, N.A. reported 146 stock positions worth $354.7 million. Its top holding was NT Qual Div ETF (QDF) at 8.5% of the portfolio, followed by Vanguard Int Div App Indx FD (VIGI, 7.1%) and Dimensional US Core Equity M (DFAU, 6.6%). Compared with Q3 2024, it opened 2 new positions, sold out of 2, added to 35 and reduced 75. The biggest buy was a new position in Avantis Emerging Markets Eq (AVEM) and the biggest sale NT Mstar GLBL NR ETF (GUNR, shares −48%).

Most Recent 13F
Q2 2026
Location
HENDERSON, TX
CIK
0001767297
Portfolio Value
$354.7M (Q4 2024)
SEC Filing
0001767297-25-000001 ↗ filed Jan 30, 2025

Holdings Value

0$200.0M$400.0M$600.0M$800.0M Q1 2024: $320.9M Q1 2024 Q2 2024: $322.0M Q2 2024 Q3 2024: $341.9M Q3 2024 Q4 2024: $354.7M $354.7M Q4 2024 Q1 2025: $358.5M Q1 2025 Q2 2025: $498.5M Q2 2025 Q3 2025: $534.9M Q3 2025 Q4 2025: $549.8M Q4 2025 Q1 2026: $546.3M Q1 2026 Q2 2026: $604.4M Q2 2026

Holdings 146 stocks · $354.7M
QDF NT Qual Div ETF 8.54% 429,469 $30.3M Add +4.6%
VIGI Vanguard Int Div App Indx FD 7.11% 315,321 $25.2M Add +8.8%
DFAU Dimensional US Core Equity M 6.59% 577,177 $23.4M Add +22.8%
IVV iShares Core S&P 500 ETF 5.31% 32,023 $18.9M Add +21.5%
AAPL Apple Inc. 4.33% 61,278 $15.3M Reduce -0.4%
VUG Vanguard Mrngstar GR ETF-Sui 4.29% 37,078 $15.2M Add +25.2%
AVEM Avantis Emerging Markets Eq 3.61% 218,082 $12.8M New
DFIC Dimensional International Co. 3.51% 482,280 $12.5M Add +29.6%
DFLV Dim US Large Cap Value ETF 3.45% 407,004 $12.2M Add +15.4%
MSFT Microsoft Corp. 3.26% 27,464 $11.6M Reduce -0.1%
JEPI JPMorgan Equity Premium Inco 2.86% 176,417 $10.1M Reduce -9.6%
TDTT NT Iboxx 3Y Dur Tips ETF 2.40% 361,491 $8.5M Add +4.8%
DFAS Dimensional US Small Cap ETF 1.80% 97,875 $6.4M Add +5.8%
GOOG Alphabet Inc. Class C 1.57% 29,150 $5.6M Reduce -0.7%
JPM JPMorgan Chase & Co. 1.42% 21,044 $5.0M Reduce -0.1%
XOM Exxon Mobil Corp. 1.39% 45,885 $4.9M Add +0.2%
DFIV Dimensional International Va 1.37% 137,042 $4.9M Reduce -32.5%
GUNR NT Mstar GLBL NR ETF 1.20% 117,490 $4.3M Reduce -48.1%
GOOGL Alphabet Inc. Class A 1.04% 19,445 $3.7M Reduce -0.3%
VNQ Vanguard Real Estate ETF 1.04% 41,215 $3.7M Add +8.8%
BRK.B Berkshire Hathaway Inc. Class B 1.01% 7,874 $3.6M Reduce -1.4%
AMZN Amazon.com Inc. 0.99% 16,068 $3.5M Add +1.4%
LOW Lowe's Cos Inc. 0.99% 14,178 $3.5M Reduce -0.3%
DFEM Dimensional Emrg MRKT Core 0.96% 129,521 $3.4M Reduce -33.3%
CVX Chevron Corp. 0.88% 21,576 $3.1M Reduce -0.5%
LLY Eli Lilly & Co. 0.80% 3,689 $2.8M Add +0.6%
IJR iShares Core S&P Small-Cap E 0.71% 21,832 $2.5M Reduce -2.3%
VYM Vanguard High DVD Yield ETF 0.69% 19,254 $2.5M Reduce -0.1%
CRM Salesforce Inc. 0.68% 7,197 $2.4M Reduce -0.1%
ABBV Abbvie Inc. 0.65% 12,928 $2.3M No change
ABT Abbott Laboratories 0.63% 19,637 $2.2M Reduce -0.3%
DHR Danaher Corp. 0.61% 9,471 $2.2M Reduce -0.3%
PG The Procter & Gamble Co. 0.61% 12,887 $2.2M Reduce -0.3%
SPY SS SPDR S&P 500 ETF Trust-US 0.61% 3,682 $2.2M No change
COST Costco Wholesale Corp. 0.59% 2,300 $2.1M Reduce -0.1%
JNJ Johnson & Johnson 0.57% 13,905 $2.0M Add +14.0%
MCD McDonald's Corp. 0.56% 6,894 $2.0M Reduce -0.4%
IWF iShares Russell 1000 Growth 0.56% 4,953 $2.0M Reduce -0.2%
PEP Pepsico Inc. 0.56% 13,042 $2.0M Reduce -0.8%
MA Mastercard Inc. Class A 0.56% 3,744 $2.0M Reduce -1.9%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.49% 6,531 $1.7M Reduce -5.8%
DE Deere & Co. 0.48% 4,048 $1.7M Add +0.1%
ORCL Oracle Corp. 0.47% 10,026 $1.7M Reduce -3.8%
IJH iShares Core S&P Midcap ETF 0.47% 26,770 $1.7M Reduce -6.5%
SBR Sabine Royalty Trust 0.44% 24,024 $1.6M No change
SBUX Starbucks Corp. 0.41% 16,072 $1.5M Reduce -6.7%
AFL Aflac Inc. 0.39% 13,505 $1.4M No change
EFA iShares MSCI Eafe ETF 0.39% 18,062 $1.4M No change
FISV Fiserv Inc. 0.37% 6,445 $1.3M Reduce -0.9%
WM Waste Management Inc. 0.36% 6,385 $1.3M Reduce -0.3%
KO The Coca-Cola Co. 0.36% 20,424 $1.3M Reduce -0.9%
NEE Nextera Energy Inc. 0.35% 17,532 $1.3M Reduce -0.5%
MO Altria Group Inc. 0.35% 23,456 $1.2M Reduce -0.2%
ITOT iShares Core S&P Total U.S. 0.33% 9,216 $1.2M No change
AVGO Broadcom Inc. 0.33% 5,110 $1.2M Add +1.6%
IWD iShares Russell 1000 Value E 0.33% 6,363 $1.2M No change
MRK Merck & Co. Inc. 0.33% 11,839 $1.2M Reduce -1.2%
CSCO Cisco Systems Inc. 0.33% 19,523 $1.2M Reduce -1.2%
NKE Nike Inc. Class B 0.32% 15,212 $1.2M Reduce -2.9%
META Meta Platforms Inc. Class A 0.32% 1,954 $1.1M Add +0.8%
AMGN Amgen Inc. 0.32% 4,364 $1.1M Reduce -8.4%
RTX RTX Corp. 0.31% 9,586 $1.1M Reduce -0.1%
ACN Accenture PLC Class A 0.31% 3,141 $1.1M Reduce -4.6%
VTV Vanguard Mrngstr Val ETF-Aui 0.31% 6,396 $1.1M Reduce -0.2%
MMM 3M Co. 0.29% 7,967 $1.0M Reduce -0.1%
ADP Automatic Data Processing 0.27% 3,310 $969K No change
AJG Arthur J Gallagher & Co. filed as GALLAGHER ARTHUR J & CO 0.26% 3,300 $937K No change
IWM iShares Russell 2000 ETF 0.26% 4,098 $905K Reduce -4.4%
MDY State Street SPDR S&P Midcap 0.25% 1,545 $880K No change
NSC Norfolk Southern Corp. 0.25% 3,719 $873K Reduce -0.4%
HON Honeywell International Inc. 0.24% 3,821 $863K Add +0.2%
AXP American Express Co. 0.24% 2,866 $851K Add +0.6%
PFE Pfizer Inc. 0.24% 31,943 $847K Reduce -8.9%
VZ Verizon Communications Inc. 0.23% 20,398 $816K Reduce -0.6%
ETN Eaton Corp. PLC 0.22% 2,398 $796K Add +0.3%
MRSH Marsh & McLennan Cos 0.22% 3,745 $795K Reduce -0.8%
CP Canadian Pacific Kansas City 0.21% 10,365 $750K Add +0.4%
TDTF NT Iboxx 5Y Dur Tips ETF 0.21% 32,153 $748K Reduce -70.3%
PANW Palo Alto Networks Inc. 0.21% 4,092 $745K Add +0.4%
PM Philip Morris International 0.21% 6,123 $737K Reduce -4.1%
HCA HCA Healthcare Inc. 0.20% 2,388 $717K Add +0.6%
UNH Unitedhealth Group Inc. 0.18% 1,291 $653K Reduce -0.6%
TMO Thermo Fisher Scientific Inc. 0.18% 1,205 $627K Reduce -0.5%
UPS United Parcel Service Class B 0.17% 4,913 $620K Reduce -1.0%
USB US Bancorp 0.17% 12,521 $599K Reduce -0.7%
HD Home Depot Inc. 0.17% 1,531 $596K Add +0.3%
HAL Halliburton Co. 0.16% 20,978 $570K Reduce -5.1%
ICE Intercontinental Exchange Inc. 0.16% 3,804 $567K Reduce -1.3%
BLK BlackRock Inc. 0.16% 551 $565K Reduce -2.5%
CEG Constellation Energy 0.16% 2,501 $559K No change
BKNG Booking Holdings Inc. 0.16% 112 $556K No change
AMAT Applied Materials Inc. 0.16% 3,389 $551K Reduce -0.4%
CL Colgate-Palmolive Co. 0.15% 5,930 $539K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.15% 11,769 $517K Reduce -0.4%
UNP Union Pacific Corp. 0.14% 2,216 $505K Reduce -0.1%
AWK American Water Works Co. Inc. 0.14% 4,042 $503K Reduce -1.9%
V Visa Inc. Class A 0.14% 1,579 $499K Add +3.1%
INTC Intel Corp. 0.14% 24,783 $497K Reduce -17.6%
LIN Linde PLC 0.14% 1,179 $494K Reduce -0.9%
CAT Caterpillar Inc. 0.14% 1,336 $485K Add +0.8%
CTSH Cognizant Tech Solutions-A 0.13% 6,117 $470K Reduce -2.8%
NUE Nucor Corp. 0.13% 4,028 $470K No change
D Dominion Energy Inc. 0.13% 8,669 $467K No change
NVDA Nvidia Corp. 0.12% 3,280 $440K Add +9.3%
VEA Vanguard Ftse Developed ETF 0.11% 8,468 $405K Reduce -1.8%
WMT Walmart Inc. 0.11% 4,393 $397K Add +2.7%
LRCX Lam Research Corp. 0.11% 5,482 $396K Add +0.4%
BX Blackstone Inc. 0.11% 2,247 $387K No change
T AT&T Inc. 0.10% 16,350 $372K Reduce -13.1%
MDLZ Mondelez International Inc. Class A 0.10% 6,130 $366K No change
BMY Bristol-Myers Squibb Co. 0.10% 6,308 $357K Reduce -2.9%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.10% 1,549 $341K Add +2.1%
CMCSA Comcast Corp. Class A 0.10% 9,021 $339K Reduce -2.1%
EXC Exelon Corp. 0.09% 8,895 $335K No change
SPGI S&P Global Inc. 0.09% 638 $318K Add +1.9%
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.09% 7,957 $305K Add +7.5%
MDT Medtronic PLC 0.09% 3,806 $304K Reduce -2.3%
GSLC Goldman Activebeta US LC ETF 0.08% 2,573 $296K No change
BDX Becton Dickinson and Co. 0.08% 1,304 $296K Add +0.4%
LMT Lockheed Martin Corp. 0.08% 608 $295K No change
FTV Fortive Corp. 0.08% 3,895 $292K Reduce -0.4%
CB Chubb Ltd. 0.08% 1,039 $287K No change
COP Conocophillips 0.08% 2,857 $283K Reduce -12.7%
VWO Vanguard Ftse Emerging Marke 0.08% 6,382 $281K No change
CVS CVS Health Corp. 0.08% 6,197 $278K Reduce -22.6%
SO The Southern Co. 0.08% 3,274 $270K No change
DUK Duke Energy Corp. 0.08% 2,474 $267K Reduce -1.9%
GD General Dynamics Corp. 0.07% 1,009 $266K Reduce -1.2%
ADBE Adobe Inc. 0.07% 581 $258K Add +0.9%
GIS General Mills Inc. 0.07% 4,007 $256K No change
IJK iShares S&P Mid-Cap 400 Grow 0.07% 2,807 $255K No change
ZTS Zoetis Inc. 0.07% 1,562 $254K Add +4.1%
KR Kroger Co. 0.07% 4,024 $246K No change
CME Cme Group Inc. 0.07% 1,040 $242K No change
LH Labcorp Holdings Inc. 0.06% 1,000 $229K No change
CMS CMS Energy Corp. 0.06% 3,400 $227K No change
MPC Marathon Petroleum Corp. 0.06% 1,600 $223K No change
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.06% 1,833 $221K Reduce -0.9%
SNA Snap-on Inc. 0.06% 652 $221K New
KMB Kimberly-Clark Corp. 0.06% 1,608 $211K Reduce -3.0%
SYY Sysco Corp. 0.06% 2,725 $208K Reduce -1.1%
PSX Phillips 66 0.06% 1,802 $205K No change
ADI Analog Devices Inc. 0.06% 956 $203K No change
CDW CDW Corp. 0.06% 1,160 $202K No change
PDBC Invesco Optimum Yield Divers 0.05% 13,228 $172K Reduce -30.4%
JPC Nuveen Prefered & Income Opp 0.03% 13,658 $107K No change

Portfolio Sells Q3 2024 → Q4 2024
GUNR NT Mstar GLBL NR ETF Reduce -48.1% 1.20% −1.53
DFIV Dimensional International Va Reduce -32.5% 1.37% −0.89
DFEM Dimensional Emrg MRKT Core Reduce -33.3% 0.96% −0.64
TDTF NT Iboxx 5Y Dur Tips ETF Reduce -70.3% 0.21% −0.55
JEPI JPMorgan Equity Premium Inco Reduce -9.6% 2.86% −0.54
MSFT Microsoft Corp. Reduce -0.1% 3.26% −0.19
DHR Danaher Corp. Reduce -0.3% 0.61% −0.16
LOW Lowe's Cos Inc. Reduce -0.3% 0.99% −0.14
AMGN Amgen Inc. Reduce -8.4% 0.32% −0.13
PEP Pepsico Inc. Reduce -0.8% 0.56% −0.09
NEE Nextera Energy Inc. Reduce -0.5% 0.35% −0.08
NKE Nike Inc. Class B Reduce -2.9% 0.32% −0.08
SBUX Starbucks Corp. Reduce -6.7% 0.41% −0.08
KO The Coca-Cola Co. Reduce -0.9% 0.36% −0.07
BRK.B Berkshire Hathaway Inc. Class B Reduce -1.4% 1.01% −0.07
CVS CVS Health Corp. Reduce -22.6% 0.08% −0.07
TGT Target Corp. Sold out 0.00% −0.07
INTC Intel Corp. Reduce -17.6% 0.14% −0.07
MRK Merck & Co. Inc. Reduce -1.2% 0.33% −0.07
VLO Valero Energy Corp. Sold out 0.00% −0.06
PFE Pfizer Inc. Reduce -8.9% 0.24% −0.06
IJR iShares Core S&P Small-Cap E Reduce -2.3% 0.71% −0.06
MCD McDonald's Corp. Reduce -0.4% 0.56% −0.05
CVX Chevron Corp. Reduce -0.5% 0.88% −0.05
IJH iShares Core S&P Midcap ETF Reduce -6.5% 0.47% −0.05
VO Vngrd Mrngstr MD-Cap ETF-Usd Reduce -5.8% 0.49% −0.05
ORCL Oracle Corp. Reduce -3.8% 0.47% −0.05
AMAT Applied Materials Inc. Reduce -0.4% 0.16% −0.05
PG The Procter & Gamble Co. Reduce -0.3% 0.61% −0.05
TMO Thermo Fisher Scientific Inc. Reduce -0.5% 0.18% −0.04
VZ Verizon Communications Inc. Reduce -0.6% 0.23% −0.04
UNH Unitedhealth Group Inc. Reduce -0.6% 0.18% −0.04
AWK American Water Works Co. Inc. Reduce -1.9% 0.14% −0.03
ABT Abbott Laboratories Reduce -0.3% 0.63% −0.03
VYM Vanguard High DVD Yield ETF Reduce -0.1% 0.69% −0.03
MMM 3M Co. Reduce -0.1% 0.29% −0.03
ACN Accenture PLC Class A Reduce -4.6% 0.31% −0.03
RTX RTX Corp. Reduce -0.1% 0.31% −0.03
HAL Halliburton Co. Reduce -5.1% 0.16% −0.03
LIN Linde PLC Reduce -0.9% 0.14% −0.03
PDBC Invesco Optimum Yield Divers Reduce -30.4% 0.05% −0.03
WM Waste Management Inc. Reduce -0.3% 0.36% −0.03
NSC Norfolk Southern Corp. Reduce -0.4% 0.25% −0.03
UPS United Parcel Service Class B Reduce -1.0% 0.17% −0.02
MRSH Marsh & McLennan Cos Reduce -0.8% 0.22% −0.02
VTV Vanguard Mrngstr Val ETF-Aui Reduce -0.2% 0.31% −0.02
IWM iShares Russell 2000 ETF Reduce -4.4% 0.26% −0.02
ICE Intercontinental Exchange Inc. Reduce -1.3% 0.16% −0.02
COP Conocophillips Reduce -12.7% 0.08% −0.02
VEA Vanguard Ftse Developed ETF Reduce -1.8% 0.11% −0.02

Portfolio Buys Q3 2024 → Q4 2024
AVEM Avantis Emerging Markets Eq New 3.61% +3.61
DFAU Dimensional US Core Equity M Add +22.8% 6.59% +1.13
VUG Vanguard Mrngstar GR ETF-Sui Add +25.2% 4.29% +0.97
IVV iShares Core S&P 500 ETF Add +21.5% 5.31% +0.87
DFIC Dimensional International Co. Add +29.6% 3.51% +0.45
DFLV Dim US Large Cap Value ETF Add +15.4% 3.45% +0.27
AMZN Amazon.com Inc. Add +1.4% 0.99% +0.13
AVGO Broadcom Inc. Add +1.6% 0.33% +0.08
SNA Snap-on Inc. New 0.06% +0.06
DFAS Dimensional US Small Cap ETF Add +5.8% 1.80% +0.04
NVDA Nvidia Corp. Add +9.3% 0.12% +0.02
V Visa Inc. Class A Add +3.1% 0.14% +0.02
AXP American Express Co. Add +0.6% 0.24% +0.01
HON Honeywell International Inc. Add +0.2% 0.24% +0.01
WMT Walmart Inc. Add +2.7% 0.11% +0.01
PANW Palo Alto Networks Inc. Add +0.4% 0.21% +0.01
META Meta Platforms Inc. Class A Add +0.8% 0.32% −0.00
IBM Intl Business Machines Corp. Add +2.1% 0.10% −0.00
SLB SLB Ltd. Add +7.5% 0.09% −0.00
SPGI S&P Global Inc. Add +1.9% 0.09% −0.01
ETN Eaton Corp. PLC Add +0.3% 0.22% −0.01
BDX Becton Dickinson and Co. Add +0.4% 0.08% −0.01
DE Deere & Co. Add +0.1% 0.48% −0.01
JNJ Johnson & Johnson Add +14.0% 0.57% −0.01
HD Home Depot Inc. Add +0.3% 0.17% −0.01
ZTS Zoetis Inc. Add +4.1% 0.07% −0.01
ADBE Adobe Inc. Add +0.9% 0.07% −0.01
CAT Caterpillar Inc. Add +0.8% 0.14% −0.02
LRCX Lam Research Corp. Add +0.4% 0.11% −0.02
TDTT NT Iboxx 3Y Dur Tips ETF Add +4.8% 2.40% −0.02
VNQ Vanguard Real Estate ETF Add +8.8% 1.04% −0.04
CP Canadian Pacific Kansas City Add +0.4% 0.21% −0.05
QDF NT Qual Div ETF Add +4.6% 8.54% −0.07
HCA HCA Healthcare Inc. Add +0.6% 0.20% −0.08
LLY Eli Lilly & Co. Add +0.6% 0.80% −0.15
XOM Exxon Mobil Corp. Add +0.2% 1.39% −0.18
VIGI Vanguard Int Div App Indx FD Add +8.8% 7.11% −0.37

All Filings

QuarterPositions13F Reported ValueTop Holdings
Q2 2026 167$604.4MDFAU, QDF, IVV, VUG, BLUE BELL CREAMERIES INC.
Q1 2026 173$546.3MDFAU, QDF, IVV, BLUE BELL CREAMERIES INC., VUG
Q4 2025 180$549.8MDFAU, QDF, IVV, BLUE BELL CREAMERIES INC., VUG
Q3 2025 184$534.9MDFAU, QDF, BLUE BELL CREAMERIES INC., IVV, VIGI
Q2 2025 187$498.5MQDF, BLUE BELL CREAMERIES INC., DFAU, VIGI, IVV
Q1 2025 144$358.5MQDF, VIGI, DFAU, IVV, VUG
Q4 2024 146$354.7MQDF, VIGI, DFAU, IVV, AAPL
Q3 2024 146$341.9MQDF, VIGI, DFAU, IVV, AAPL
Q2 2024 144$322.0MQDF, VIGI, DFAU, IVV, AAPL
Q1 2024 144$320.9MQDF, VIGI, DFAU, IVV, MSFT