VeraBank, N.A.

In its 13F for Q1 2025 (holdings as of March 31, 2025, filed May 9, 2025), VeraBank, N.A. reported 144 stock positions worth $358.5 million. Its top holding was NT Qual Div ETF (QDF) at 8.3% of the portfolio, followed by Vanguard Int Div App Indx FD (VIGI, 7.3%) and Dimensional US Core Equity M (DFAU, 6.8%). Compared with Q4 2024, it opened 1 new position, sold out of 3, added to 37 and reduced 75. The biggest buy was Dimensional International (DFIC, shares +8%) and the biggest sale Apple (AAPL, shares −1%).

Most Recent 13F
Q2 2026
Location
HENDERSON, TX
CIK
0001767297
Portfolio Value
$358.5M (Q1 2025)
SEC Filing
0001767297-25-000002 ↗ filed May 9, 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 Q4 2024 Q1 2025: $358.5M $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 144 stocks · $358.5M
QDF NT Qual Div ETF 8.27% 433,451 $29.6M Add +0.9%
VIGI Vanguard Int Div App Indx FD 7.27% 314,409 $26.1M Reduce -0.3%
DFAU Dimensional US Core Equity M 6.79% 633,292 $24.3M Add +9.7%
IVV iShares Core S&P 500 ETF 5.55% 35,408 $19.9M Add +10.6%
VUG Vanguard Mrngstar GR ETF-Sui 4.56% 44,035 $16.3M Add +18.8%
DFIC Dimensional International Co. 4.04% 521,889 $14.5M Add +8.2%
AVEM Avantis Emerging Markets Eq 3.91% 232,725 $14.0M Add +6.7%
AAPL Apple Inc. 3.77% 60,808 $13.5M Reduce -0.8%
DFLV Dim US Large Cap Value ETF 3.73% 436,834 $13.4M Add +7.3%
MSFT Microsoft Corp. 2.83% 27,028 $10.1M Reduce -1.6%
JEPI JPMorgan Equity Premium Inco 2.59% 162,224 $9.3M Reduce -8.1%
TDTT NT Iboxx 3Y Dur Tips ETF 2.56% 376,187 $9.2M Add +4.1%
DFIV Dimensional International Va 1.80% 163,492 $6.4M Add +19.3%
DFAS Dimensional US Small Cap ETF 1.75% 104,704 $6.3M Add +7.0%
XOM Exxon Mobil Corp. 1.51% 45,421 $5.4M Reduce -1.0%
JPM JPMorgan Chase & Co. 1.40% 20,413 $5.0M Reduce -3.0%
GOOG Alphabet Inc. Class C 1.27% 29,060 $4.5M Reduce -0.3%
BRK.B Berkshire Hathaway Inc. Class B 1.22% 8,189 $4.4M Add +4.0%
VNQ Vanguard Real Estate ETF 1.14% 44,954 $4.1M Add +9.1%
CVX Chevron Corp. 1.00% 21,412 $3.6M Reduce -0.8%
GUNR NT Mstar GLBL NR ETF 0.93% 85,452 $3.3M Reduce -27.3%
LOW Lowe's Cos Inc. 0.89% 13,733 $3.2M Reduce -3.1%
AMZN Amazon.com Inc. 0.85% 16,051 $3.1M Reduce -0.1%
GOOGL Alphabet Inc. Class A 0.83% 19,283 $3.0M Reduce -0.8%
DFEM Dimensional Emrg MRKT Core 0.77% 104,460 $2.8M Reduce -19.4%
ABBV Abbvie Inc. 0.75% 12,878 $2.7M Reduce -0.4%
ABT Abbott Laboratories 0.72% 19,434 $2.6M Reduce -1.0%
VYM Vanguard High DVD Yield ETF 0.69% 19,247 $2.5M Reduce -0.0%
LLY Eli Lilly & Co. 0.68% 2,939 $2.4M Reduce -20.3%
IJR iShares Core S&P Small-Cap E 0.65% 22,135 $2.3M Add +1.4%
JNJ Johnson & Johnson 0.64% 13,816 $2.3M Reduce -0.6%
COST Costco Wholesale Corp. 0.61% 2,295 $2.2M Reduce -0.2%
PG The Procter & Gamble Co. 0.60% 12,611 $2.1M Reduce -2.1%
MCD McDonald's Corp. 0.59% 6,719 $2.1M Reduce -2.5%
MA Mastercard Inc. Class A 0.57% 3,724 $2.0M Reduce -0.5%
VO Vngrd Mrngstr MD-Cap ETF-Usd 0.56% 7,781 $2.0M Add +19.1%
SPY SS SPDR S&P 500 ETF Trust-US 0.56% 3,557 $2.0M Reduce -3.4%
PEP Pepsico Inc. 0.54% 13,023 $2.0M Reduce -0.1%
DHR Danaher Corp. 0.54% 9,406 $1.9M Reduce -0.7%
CRM Salesforce Inc. 0.53% 7,113 $1.9M Reduce -1.2%
DE Deere & Co. 0.51% 3,897 $1.8M Reduce -3.7%
VTV Vanguard Mrngstr Val ETF-Aui 0.50% 10,450 $1.8M Add +63.4%
IWF iShares Russell 1000 Growth 0.49% 4,853 $1.8M Reduce -2.0%
SBR Sabine Royalty Trust 0.45% 24,024 $1.6M No change
IJH iShares Core S&P Midcap ETF 0.44% 26,752 $1.6M Reduce -0.1%
ORCL Oracle Corp. 0.43% 10,944 $1.5M Add +9.2%
EFA iShares MSCI Eafe ETF 0.41% 18,062 $1.5M No change
KO The Coca-Cola Co. 0.41% 20,485 $1.5M Add +0.3%
MO Altria Group Inc. 0.39% 23,473 $1.4M Add +0.1%
AMGN Amgen Inc. 0.38% 4,324 $1.3M Reduce -0.9%
SBUX Starbucks Corp. 0.37% 13,498 $1.3M Reduce -16.0%
WM Waste Management Inc. 0.36% 5,632 $1.3M Reduce -11.8%
AFL Aflac Inc. 0.36% 11,566 $1.3M Reduce -14.4%
RTX RTX Corp. 0.35% 9,567 $1.3M Reduce -0.2%
NEE Nextera Energy Inc. 0.34% 17,158 $1.2M Reduce -2.1%
CSCO Cisco Systems Inc. 0.34% 19,523 $1.2M No change
FISV Fiserv Inc. 0.34% 5,445 $1.2M Reduce -15.5%
IWD iShares Russell 1000 Value E 0.33% 6,363 $1.2M No change
MMM 3M Co. 0.32% 7,917 $1.2M Reduce -0.6%
AJG Arthur J Gallagher & Co. filed as GALLAGHER ARTHUR J & CO 0.32% 3,303 $1.1M Add +0.1%
META Meta Platforms Inc. Class A 0.31% 1,955 $1.1M Add +0.1%
ITOT iShares Core S&P Total U.S. 0.31% 9,216 $1.1M No change
MRK Merck & Co. Inc. 0.30% 11,978 $1.1M Add +1.2%
ADP Automatic Data Processing 0.28% 3,310 $1.0M No change
PM Philip Morris International 0.27% 6,130 $973K Add +0.1%
ICE Intercontinental Exchange Inc. 0.27% 5,604 $967K Add +47.3%
ACN Accenture PLC Class A 0.26% 2,991 $933K Reduce -4.8%
MRSH Marsh & McLennan Cos 0.26% 3,749 $915K Add +0.1%
NKE Nike Inc. Class B 0.25% 14,204 $902K Reduce -6.6%
NSC Norfolk Southern Corp. 0.24% 3,705 $878K Reduce -0.4%
AVGO Broadcom Inc. 0.24% 5,119 $857K Add +0.2%
MDY State Street SPDR S&P Midcap 0.23% 1,545 $824K No change
PFE Pfizer Inc. 0.23% 31,943 $809K No change
HON Honeywell International Inc. 0.23% 3,812 $807K Reduce -0.2%
HCA HCA Healthcare Inc. 0.22% 2,313 $799K Reduce -3.1%
VZ Verizon Communications Inc. 0.22% 17,349 $787K Reduce -14.9%
NVDA Nvidia Corp. 0.21% 6,935 $752K Add +111.4%
AXP American Express Co. 0.21% 2,791 $751K Reduce -2.6%
IWM iShares Russell 2000 ETF 0.21% 3,740 $746K Reduce -8.7%
CP Canadian Pacific Kansas City 0.20% 10,228 $718K Reduce -1.3%
TDTF NT Iboxx 5Y Dur Tips ETF 0.20% 28,978 $703K Reduce -9.9%
UNH Unitedhealth Group Inc. 0.19% 1,297 $679K Add +0.5%
PANW Palo Alto Networks Inc. 0.19% 3,906 $667K Reduce -4.5%
ETN Eaton Corp. PLC 0.18% 2,398 $652K No change
AWK American Water Works Co. Inc. 0.17% 4,042 $596K No change
TMO Thermo Fisher Scientific Inc. 0.16% 1,163 $579K Reduce -3.5%
V Visa Inc. Class A 0.16% 1,589 $557K Add +0.6%
CL Colgate-Palmolive Co. 0.15% 5,930 $556K No change
HD Home Depot Inc. 0.15% 1,503 $551K Reduce -1.8%
LIN Linde PLC 0.15% 1,175 $547K Reduce -0.3%
HAL Halliburton Co. 0.15% 21,231 $539K Add +1.2%
UPS United Parcel Service Class B 0.15% 4,814 $529K Reduce -2.0%
BKNG Booking Holdings Inc. 0.14% 112 $516K No change
BLK BlackRock Inc. 0.14% 536 $507K Reduce -2.7%
CEG Constellation Energy 0.14% 2,501 $504K No change
UNP Union Pacific Corp. 0.14% 2,120 $501K Reduce -4.3%
USB US Bancorp 0.14% 11,717 $495K Reduce -6.4%
D Dominion Energy Inc. 0.14% 8,669 $486K No change
NUE Nucor Corp. 0.14% 4,028 $485K No change
BAC Bank of America Corp. filed as BANK AMERICA CORP 0.13% 11,377 $475K Reduce -3.3%
CTSH Cognizant Tech Solutions-A 0.13% 6,117 $468K No change
T AT&T Inc. 0.13% 16,509 $467K Add +1.0%
CAT Caterpillar Inc. 0.12% 1,336 $441K No change
AMAT Applied Materials Inc. 0.12% 2,973 $431K Reduce -12.3%
VEA Vanguard Ftse Developed ETF 0.12% 8,468 $430K No change
EXC Exelon Corp. 0.11% 8,905 $410K Add +0.1%
MDLZ Mondelez International Inc. Class A 0.11% 5,830 $396K Reduce -4.9%
WMT Walmart Inc. 0.11% 4,443 $390K Add +1.1%
BMY Bristol-Myers Squibb Co. 0.11% 6,337 $386K Add +0.5%
LRCX Lam Research Corp. 0.11% 5,316 $386K Reduce -3.0%
IBM Intl Business Machines Corp. filed as INTERNATIONAL BUSINESS MACHS 0.10% 1,504 $374K Reduce -2.9%
INTC Intel Corp. 0.10% 16,340 $371K Reduce -34.1%
MDT Medtronic PLC 0.09% 3,680 $331K Reduce -3.3%
SLB SLB Ltd. filed as SCHLUMBERGER LTD 0.09% 7,900 $330K Reduce -0.7%
SPGI S&P Global Inc. 0.09% 638 $324K No change
BX Blackstone Inc. 0.09% 2,257 $315K Add +0.5%
CB Chubb Ltd. 0.09% 1,039 $314K No change
CMCSA Comcast Corp. Class A 0.09% 8,367 $309K Reduce -7.3%
DUK Duke Energy Corp. 0.08% 2,462 $300K Reduce -0.5%
COP Conocophillips 0.08% 2,849 $299K Reduce -0.3%
BDX Becton Dickinson and Co. 0.08% 1,300 $298K Reduce -0.3%
VWO Vanguard Ftse Emerging Marke 0.08% 6,382 $289K No change
GSLC Goldman Activebeta US LC ETF 0.08% 2,573 $283K No change
SO The Southern Co. 0.08% 3,077 $283K Reduce -6.0%
KR Kroger Co. 0.08% 4,125 $279K Add +2.5%
CME Cme Group Inc. 0.08% 1,040 $276K No change
LMT Lockheed Martin Corp. 0.07% 600 $268K Reduce -1.3%
CVS CVS Health Corp. 0.07% 3,871 $262K Reduce -37.5%
GD General Dynamics Corp. 0.07% 955 $260K Reduce -5.3%
CMS CMS Energy Corp. 0.07% 3,400 $255K No change
ZTS Zoetis Inc. 0.07% 1,500 $247K Reduce -4.0%
GIS General Mills Inc. 0.07% 4,007 $240K No change
IJK iShares S&P Mid-Cap 400 Grow 0.07% 2,807 $234K No change
MPC Marathon Petroleum Corp. 0.07% 1,600 $233K No change
LH Labcorp Holdings Inc. 0.06% 1,000 $233K No change
KMB Kimberly-Clark Corp. 0.06% 1,593 $227K Reduce -0.9%
PSX Phillips 66 0.06% 1,817 $224K Add +0.8%
TJX TJX Companies Inc. filed as TJX COS INC NEW 0.06% 1,837 $224K Add +0.2%
ADBE Adobe Inc. 0.06% 576 $221K Reduce -0.9%
SNA Snap-on Inc. 0.06% 652 $220K No change
GNTY Guaranty Bancshares Inc. 0.06% 5,437 $218K New
FTV Fortive Corp. 0.06% 2,821 $206K Reduce -27.6%
PDBC Invesco Optimum Yield Divers 0.05% 13,228 $180K No change
JPC Nuveen Prefered & Income Opp 0.03% 13,658 $109K No change

Portfolio Sells Q4 2024 → Q1 2025
AAPL Apple Inc. Reduce -0.8% 3.77% −0.56
MSFT Microsoft Corp. Reduce -1.6% 2.83% −0.43
GOOG Alphabet Inc. Class C Reduce -0.3% 1.27% −0.30
GUNR NT Mstar GLBL NR ETF Reduce -27.3% 0.93% −0.28
JEPI JPMorgan Equity Premium Inco Reduce -8.1% 2.59% −0.28
GOOGL Alphabet Inc. Class A Reduce -0.8% 0.83% −0.21
DFEM Dimensional Emrg MRKT Core Reduce -19.4% 0.77% −0.19
CRM Salesforce Inc. Reduce -1.2% 0.53% −0.15
AMZN Amazon.com Inc. Reduce -0.1% 0.85% −0.14
LLY Eli Lilly & Co. Reduce -20.3% 0.68% −0.13
LOW Lowe's Cos Inc. Reduce -3.1% 0.89% −0.09
DHR Danaher Corp. Reduce -0.7% 0.54% −0.07
NKE Nike Inc. Class B Reduce -6.6% 0.25% −0.07
IWF iShares Russell 1000 Growth Reduce -2.0% 0.49% −0.07
SYY Sysco Corp. Sold out 0.00% −0.06
ADI Analog Devices Inc. Sold out 0.00% −0.06
CDW CDW Corp. Sold out 0.00% −0.06
SPY SS SPDR S&P 500 ETF Trust-US Reduce -3.4% 0.56% −0.05
ACN Accenture PLC Class A Reduce -4.8% 0.26% −0.05
IWM iShares Russell 2000 ETF Reduce -8.7% 0.21% −0.05
SBUX Starbucks Corp. Reduce -16.0% 0.37% −0.04
FISV Fiserv Inc. Reduce -15.5% 0.34% −0.04
INTC Intel Corp. Reduce -34.1% 0.10% −0.04
AFL Aflac Inc. Reduce -14.4% 0.36% −0.04
AMAT Applied Materials Inc. Reduce -12.3% 0.12% −0.04
IJH iShares Core S&P Midcap ETF Reduce -0.1% 0.44% −0.03
USB US Bancorp Reduce -6.4% 0.14% −0.03
AXP American Express Co. Reduce -2.6% 0.21% −0.03
UPS United Parcel Service Class B Reduce -2.0% 0.15% −0.03
JPM JPMorgan Chase & Co. Reduce -3.0% 1.40% −0.03
FTV Fortive Corp. Reduce -27.6% 0.06% −0.02
PANW Palo Alto Networks Inc. Reduce -4.5% 0.19% −0.02
HON Honeywell International Inc. Reduce -0.2% 0.23% −0.02
BLK BlackRock Inc. Reduce -2.7% 0.14% −0.02
TMO Thermo Fisher Scientific Inc. Reduce -3.5% 0.16% −0.02
NEE Nextera Energy Inc. Reduce -2.1% 0.34% −0.01
TDTF NT Iboxx 5Y Dur Tips ETF Reduce -9.9% 0.20% −0.01
PEP Pepsico Inc. Reduce -0.1% 0.54% −0.01
HD Home Depot Inc. Reduce -1.8% 0.15% −0.01
BAC Bank of America Corp. Reduce -3.3% 0.13% −0.01
ADBE Adobe Inc. Reduce -0.9% 0.06% −0.01
CP Canadian Pacific Kansas City Reduce -1.3% 0.20% −0.01
VZ Verizon Communications Inc. Reduce -14.9% 0.22% −0.01
PG The Procter & Gamble Co. Reduce -2.1% 0.60% −0.01
CMCSA Comcast Corp. Class A Reduce -7.3% 0.09% −0.01
LMT Lockheed Martin Corp. Reduce -1.3% 0.07% −0.01
CVS CVS Health Corp. Reduce -37.5% 0.07% −0.01
LRCX Lam Research Corp. Reduce -3.0% 0.11% −0.00
ZTS Zoetis Inc. Reduce -4.0% 0.07% −0.00
UNP Union Pacific Corp. Reduce -4.3% 0.14% −0.00

Portfolio Buys Q4 2024 → Q1 2025
DFIC Dimensional International Co. Add +8.2% 4.04% +0.53
DFIV Dimensional International Va Add +19.3% 1.80% +0.42
AVEM Avantis Emerging Markets Eq Add +6.7% 3.91% +0.29
DFLV Dim US Large Cap Value ETF Add +7.3% 3.73% +0.28
VUG Vanguard Mrngstar GR ETF-Sui Add +18.8% 4.56% +0.26
IVV iShares Core S&P 500 ETF Add +10.6% 5.55% +0.24
BRK.B Berkshire Hathaway Inc. Class B Add +4.0% 1.22% +0.21
DFAU Dimensional US Core Equity M Add +9.7% 6.79% +0.20
VTV Vanguard Mrngstr Val ETF-Aui Add +63.4% 0.50% +0.20
TDTT NT Iboxx 3Y Dur Tips ETF Add +4.1% 2.56% +0.15
ICE Intercontinental Exchange Inc. Add +47.3% 0.27% +0.11
VNQ Vanguard Real Estate ETF Add +9.1% 1.14% +0.10
NVDA Nvidia Corp. Add +111.4% 0.21% +0.09
VO Vngrd Mrngstr MD-Cap ETF-Usd Add +19.1% 0.56% +0.07
PM Philip Morris International Add +0.1% 0.27% +0.06
GNTY Guaranty Bancshares Inc. New 0.06% +0.06
AJG Arthur J Gallagher & Co. Add +0.1% 0.32% +0.05
KO The Coca-Cola Co. Add +0.3% 0.41% +0.05
MO Altria Group Inc. Add +0.1% 0.39% +0.05
MRSH Marsh & McLennan Cos Add +0.1% 0.26% +0.03
T AT&T Inc. Add +1.0% 0.13% +0.03
EXC Exelon Corp. Add +0.1% 0.11% +0.02
V Visa Inc. Class A Add +0.6% 0.16% +0.01
KR Kroger Co. Add +2.5% 0.08% +0.01
BMY Bristol-Myers Squibb Co. Add +0.5% 0.11% +0.01
UNH Unitedhealth Group Inc. Add +0.5% 0.19% +0.01
PSX Phillips 66 Add +0.8% 0.06% +0.00
TJX TJX Companies Inc. Add +0.2% 0.06% 0.00
WMT Walmart Inc. Add +1.1% 0.11% −0.00
META Meta Platforms Inc. Class A Add +0.1% 0.31% −0.01
HAL Halliburton Co. Add +1.2% 0.15% −0.01
BX Blackstone Inc. Add +0.5% 0.09% −0.02
MRK Merck & Co. Inc. Add +1.2% 0.30% −0.03
ORCL Oracle Corp. Add +9.2% 0.43% −0.04
DFAS Dimensional US Small Cap ETF Add +7.0% 1.75% −0.05
IJR iShares Core S&P Small-Cap E Add +1.4% 0.65% −0.06
AVGO Broadcom Inc. Add +0.2% 0.24% −0.09
QDF NT Qual Div ETF Add +0.9% 8.27% −0.28

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