13F HOLDINGS REPORT

VeraBank, N.A.

Quarter ended Q3 2025 · Filed November 7, 2025 · Accession 0001767297-25-000007

Total Value

$534.9M

Positions

265

Other Managers

Confidential Omitted

View on SEC.gov

Holdings (265)

#	Issuer	Ticker / CUSIP	Shares	Value	% of Filing
1	DIMENSIONAL ETF TRUST	25434V104	808,059	$37.0M	6.91%
2	FLEXSHARES TR	FLEX	446,747	$35.5M	6.63%
3	BLUE BELL CREAMERIES INC.	BLUEBELL8	245	$32.3M	6.05%
4	ISHARES TR	464287200	46,160	$30.9M	5.78%
5	VANGUARD WHITEHALL FDS	921946810	305,120	$27.3M	5.11%
6	VANGUARD INDEX FDS	922908736	56,747	$27.2M	5.09%
7	DIMENSIONAL ETF TRUST	25434V799	650,745	$21.3M	3.99%
8	MICROSOFT CORP	MSFT	36,553	$18.9M	3.54%
9	AMERICAN CENTY ETF TR	025072604	251,348	$18.9M	3.53%
10	APPLE INC	AAPL	67,150	$17.1M	3.20%
11	DIMENSIONAL ETF TRUST	25434V666	518,155	$17.0M	3.19%
12	FLEXSHARES TR	FLEX	438,634	$10.7M	2.00%
13	DIMENSIONAL ETF TRUST	25434V807	204,347	$9.4M	1.76%
14	DIMENSIONAL ETF TRUST	25434V500	125,143	$8.6M	1.60%
15	ALPHABET INC	GOOG	34,916	$8.5M	1.59%
16	J P MORGAN EXCHANGE TRADED FD	46641Q332	129,490	$7.4M	1.38%
17	JPMORGAN CHASE & CO.	VYLD	22,684	$7.2M	1.34%
18	AMAZON COM INC	AMZN	29,347	$6.4M	1.20%
19	BERKSHIRE HATHAWAY INC DEL	BRK-A	10,703	$5.4M	1.01%
20	EXXON MOBIL CORP	XOM	47,699	$5.4M	1.01%
21	VANGUARD INDEX FDS	922908553	56,057	$5.1M	0.96%
22	ALPHABET INC	GOOG	17,663	$4.3M	0.80%
23	VANGUARD INDEX FDS	922908744	22,995	$4.3M	0.80%
24	ABBVIE INC	ABBV	14,865	$3.4M	0.64%
25	SPDR S&P 500 ETF TR	SPY	5,046	$3.4M	0.63%
26	CHEVRON CORP NEW	CVX	21,027	$3.3M	0.61%
27	ORACLE CORP	ORCL-PD	10,268	$2.9M	0.54%
28	NVIDIA CORPORATION	NVDA	15,197	$2.8M	0.53%
29	VANGUARD WHITEHALL FDS	921946406	19,305	$2.7M	0.51%
30	BOOKING HOLDINGS INC	BKNG	493	$2.7M	0.50%
31	JOHNSON & JOHNSON	JNJ	14,309	$2.7M	0.50%
32	FLEXSHARES TR	FLEX	59,185	$2.6M	0.48%
33	RTX CORPORATION	RTX	15,399	$2.6M	0.48%
34	PALO ALTO NETWORKS INC	PANW	12,653	$2.6M	0.48%
35	LOWES COS INC	548661107	10,142	$2.5M	0.48%
36	ABBOTT LABS	ABLZF	18,407	$2.5M	0.46%
37	ISHARES TR	464287804	20,739	$2.5M	0.46%
38	ISHARES TR	464287614	5,198	$2.4M	0.46%
39	ELI LILLY & CO	LLY	3,089	$2.4M	0.44%
40	SALESFORCE INC	CRM	9,908	$2.3M	0.44%
41	GALLAGHER ARTHUR J & CO	363576109	7,524	$2.3M	0.44%
42	META PLATFORMS INC	META	3,162	$2.3M	0.43%
43	VANGUARD INDEX FDS	922908629	7,633	$2.2M	0.42%
44	MCDONALDS CORP	MCD	7,148	$2.2M	0.41%
45	COSTCO WHSL CORP NEW	22160K105	2,334	$2.2M	0.40%
46	TAIWAN SEMICONDUCTOR MFG LTD	874039100	7,522	$2.1M	0.39%
47	DIMENSIONAL ETF TRUST	25434V732	64,484	$2.1M	0.39%
48	MASTERCARD INCORPORATED	MA	3,624	$2.1M	0.39%
49	BROADCOM INC	AVGO	5,809	$1.9M	0.36%
50	SABINE RTY TR	785688102	24,024	$1.9M	0.36%
51	ISHARES TR	464287465	19,684	$1.8M	0.34%
52	VISA INC	V	5,378	$1.8M	0.34%
53	PROCTER AND GAMBLE CO	742718109	11,485	$1.8M	0.33%
54	PEPSICO INC	PEP	11,623	$1.6M	0.31%
55	DANAHER CORPORATION	235851102	8,009	$1.6M	0.30%
56	ALTRIA GROUP INC	MO	22,106	$1.5M	0.27%
57	WASTE MGMT INC DEL	94106L109	6,455	$1.4M	0.27%
58	COCA COLA CO	KO	21,409	$1.4M	0.27%
59	US BANCORP DEL	USB-PS	28,726	$1.4M	0.26%
60	SPDR SERIES TRUST	78464A763	9,900	$1.4M	0.26%
61	ISHARES TR	464287507	20,617	$1.3M	0.25%
62	AMGEN INC	AMGN	4,688	$1.3M	0.25%
63	ISHARES TR	464287598	6,485	$1.3M	0.25%
64	AMERICAN EXPRESS CO	AXP	3,877	$1.3M	0.24%
65	PHILIP MORRIS INTL INC	718172109	7,749	$1.3M	0.23%
66	ENBRIDGE INC	ENNPF	24,103	$1.2M	0.23%
67	APPLE INC	AAPL	4,772	$1.2M	0.23%
68	CISCO SYS INC	CSCO	17,656	$1.2M	0.23%
69	ASML HOLDING N V	ASMLF	1,236	$1.2M	0.22%
70	NORFOLK SOUTHN CORP	655844108	3,905	$1.2M	0.22%
71	DEERE & CO	DE	2,378	$1.1M	0.20%
72	GSK PLC	GLAXF	24,643	$1.1M	0.20%
73	EATON CORP PLC	ETN	2,807	$1.1M	0.20%
74	GENERAL DYNAMICS CORP	GD	3,067	$1.0M	0.20%
75	SPDR S&P MIDCAP 400 ETF TR	MDY	1,737	$1.0M	0.19%
76	PFIZER INC	PFE	40,282	$1.0M	0.19%
77	3M CO	MMM	6,473	$1.0M	0.19%
78	AUTOMATIC DATA PROCESSING INC	ADP	3,310	$971,485	0.18%
79	CONSTELLATION ENERGY CORP	CEG	2,944	$968,782	0.18%
80	AFLAC INC	AFL	8,626	$963,524	0.18%
81	INTERCONTINENTAL EXCHANGE INC	45866F104	5,699	$960,168	0.18%
82	FLEXSHARES TR	FLEX	11,809	$937,635	0.18%
83	EXXON MOBIL CORP	XOM	7,802	$879,676	0.16%
84	HONEYWELL INTL INC	438516106	4,169	$877,574	0.16%
85	NEXTERA ENERGY INC	NEE-PW	11,592	$875,080	0.16%
86	DUKE ENERGY CORP NEW	DUKB	6,933	$857,959	0.16%
87	ALPHABET INC	GOOG	3,450	$840,247	0.16%
88	HOME DEPOT INC	HD	2,068	$837,933	0.16%
89	ISHARES TR	464287150	5,721	$833,264	0.16%
90	STARBUCKS CORP	SBUX	9,846	$832,972	0.16%
91	LOWES COS INC	548661107	3,222	$809,721	0.15%
92	VEEVA SYS INC	VEEV	2,669	$795,122	0.15%
93	LAM RESEARCH CORP	LRCX	5,835	$781,307	0.15%
94	ISHARES TR	464287655	3,214	$777,659	0.15%
95	VANGUARD WHITEHALL FDS	921946810	8,592	$769,585	0.14%
96	NISOURCE INC	NI	17,724	$767,449	0.14%
97	MARSH & MCLENNAN COS INC	571748102	3,765	$758,760	0.14%
98	MERCK & CO INC	MRK	8,971	$752,936	0.14%
99	VANGUARD SPECIALIZED FUNDS	921908844	3,475	$749,870	0.14%
100	VANGUARD TAX-MANAGED FDS	921943858	12,301	$737,076	0.14%
101	NIKE INC	NKE	10,450	$728,679	0.14%
102	HCA HEALTHCARE INC	HCA	1,690	$720,278	0.13%
103	WEC ENERGY GROUP INC	WEC	6,221	$712,864	0.13%
104	CANADIAN PACIFIC KANSAS CITY	CP	9,500	$707,655	0.13%
105	SHELL PLC	RYDAF	9,886	$707,146	0.13%
106	THERMO FISHER SCIENTIFIC INC	TMO	1,457	$706,674	0.13%
107	J P MORGAN EXCHANGE TRADED FD	46641Q837	13,508	$685,261	0.13%
108	AUTODESK INC	ADSK	2,045	$649,635	0.12%
109	UNION PAC CORP	UNP	2,696	$637,254	0.12%
110	ACCENTURE PLC IRELAND	ACN	2,567	$633,022	0.12%
111	KRANESHARES TRUST	500767769	18,159	$628,429	0.12%
112	VERIZON COMMUNICATIONS INC	VZ	14,250	$626,288	0.12%
113	ISHARES TR	464287309	5,059	$610,722	0.11%
114	DEERE & CO	DE	1,328	$607,241	0.11%
115	AMERICAN CENTY ETF TR	025072604	7,742	$581,502	0.11%
116	BLACKROCK INC	BLK	483	$563,115	0.11%
117	BERKSHIRE HATHAWAY INC DEL	BRK-A	1,120	$563,069	0.11%
118	AMERICAN WTR WKS CO INC NEW	030420103	4,006	$557,595	0.10%
119	TESLA INC	TSLA	1,226	$545,227	0.10%
120	FRANKLIN TEMPLETON ETF TR	FGDL	9,530	$537,969	0.10%
121	BANK AMERICA CORP	060505104	10,269	$529,778	0.10%
122	WALMART INC	WMT	5,071	$522,617	0.10%
123	CATERPILLAR INC	CAT	1,086	$518,185	0.10%
124	NUCOR CORP	NUE	3,826	$518,155	0.10%
125	DOMINION ENERGY INC	D	8,432	$515,785	0.10%
126	FISERV INC	FISV	3,979	$513,012	0.10%
127	UNITEDHEALTH GROUP INC	UNH	1,483	$512,080	0.10%
128	LINDE PLC	LIN	1,075	$510,625	0.10%
129	WISDOMTREE TR	WT	5,712	$508,140	0.09%
130	AT&T INC	T-PC	17,518	$494,708	0.09%
131	EXELON CORP	EXC	10,895	$490,384	0.09%
132	ZOETIS INC	ZTS	3,275	$479,198	0.09%
133	BECTON DICKINSON & CO	BDX	2,532	$473,914	0.09%
134	APPLIED MATLS INC	038222105	2,295	$469,878	0.09%
135	BLACKSTONE INC	BX	2,717	$464,199	0.09%
136	CURTISS WRIGHT CORP	CW	840	$456,070	0.09%
137	INTERNATIONAL BUSINESS MACHS	INTR	1,577	$444,966	0.08%
138	ALPHABET INC	GOOG	1,830	$444,873	0.08%
139	NEXTERA ENERGY INC	NEE-PW	5,860	$442,371	0.08%
140	VANGUARD INDEX FDS	922908736	920	$441,241	0.08%
141	FLEXSHARES TR	FLEX	17,799	$431,982	0.08%
142	CAPITAL ONE FINL CORP	14040H105	2,008	$426,861	0.08%
143	GILEAD SCIENCES INC	GILD	3,744	$415,584	0.08%
144	LOCKHEED MARTIN CORP	LMT	821	$409,851	0.08%
145	ISHARES TR	464287408	1,959	$404,553	0.08%
146	HALLIBURTON CO	HAL	15,693	$386,048	0.07%
147	MONDELEZ INTL INC	609207105	5,868	$366,574	0.07%
148	DIMENSIONAL ETF TRUST	25434V666	11,118	$365,782	0.07%
149	SELECT SECTOR SPDR TR	81369Y506	3,955	$353,340	0.07%
150	ISHARES TR	464287507	5,400	$352,404	0.07%
151	COGNIZANT TECHNOLOGY SOLUTIONS	CTSH	5,227	$350,575	0.07%
152	UNIFIED SER TR	UFI	7,852	$345,881	0.06%
153	KIMBERLY-CLARK CORP	KMB	2,763	$343,551	0.06%
154	VANGUARD INTL EQUITY INDEX FDS	922042858	6,302	$341,442	0.06%
155	VANGUARD INDEX FDS	922908629	1,150	$337,801	0.06%
156	CME GROUP INC	CME	1,239	$334,765	0.06%
157	CISCO SYS INC	CSCO	4,755	$325,337	0.06%
158	VALERO ENERGY CORP	VLO	1,894	$322,472	0.06%
159	ISHARES TR	464287705	2,417	$313,533	0.06%
160	SOUTHERN CO	SOMN	3,262	$309,140	0.06%
161	GENERAL MLS INC	370334104	6,117	$308,419	0.06%
162	3M CO	MMM	1,984	$307,877	0.06%
163	SPDR GOLD TR	GLD	852	$302,860	0.06%
164	CITIGROUP INC	C-PR	2,907	$295,061	0.06%
165	CHUBB LIMITED	CB	1,039	$293,258	0.05%
166	MEDTRONIC PLC	MDT	3,056	$291,053	0.05%
167	S&P GLOBAL INC	SPGI	597	$290,566	0.05%
168	PROCTER AND GAMBLE CO	742718109	1,888	$290,091	0.05%
169	CONOCOPHILLIPS	COP	3,031	$286,702	0.05%
170	UNITED PARCEL SERVICE INC	UPS	3,416	$285,338	0.05%
171	AFLAC INC	AFL	2,509	$280,255	0.05%
172	SHERWIN WILLIAMS CO	SHW	800	$277,008	0.05%
173	KENVUE INC	KVUE	17,039	$276,543	0.05%
174	KROGER CO	KR	4,024	$271,258	0.05%
175	SLB LIMITED	SLB	7,825	$268,945	0.05%
176	EMERSON ELEC CO	EMR	2,050	$268,919	0.05%
177	ISHARES TR	464287606	2,798	$268,300	0.05%
178	GUARANTY BANCSHARES INC TEX	400764106	5,437	$265,054	0.05%
179	TJX COS INC NEW	872540109	1,833	$264,942	0.05%
180	COLGATE PALMOLIVE CO	CL	3,244	$259,325	0.05%
181	JPMORGAN CHASE & CO.	VYLD	805	$253,921	0.05%
182	TELEDYNE TECHNOLOGIES INC	TDY	428	$250,825	0.05%
183	VANGUARD WORLD FD	921910840	1,819	$250,549	0.05%
184	CMS ENERGY CORP	CMS-PC	3,400	$249,084	0.05%
185	PHILLIPS 66	PSX	1,802	$245,108	0.05%
186	ZIMMER BIOMET HOLDINGS INC	ZBH	2,473	$243,591	0.05%
187	ISHARES BITCOIN TRUST ETF	IBIT	3,630	$235,950	0.04%
188	ABBOTT LABS	ABLZF	1,760	$235,734	0.04%
189	CVS HEALTH CORP	CVS	3,123	$235,443	0.04%
190	ISHARES TR	464287846	1,446	$234,943	0.04%
191	ANALOG DEVICES INC	ADI	956	$234,889	0.04%
192	SNAP ON INC	SNA	652	$225,938	0.04%
193	DISNEY WALT CO	254687106	1,933	$221,329	0.04%
194	MARATHON PETE CORP	MARA	1,148	$221,266	0.04%
195	CSX CORP	CSX	6,186	$219,665	0.04%
196	VANGUARD SCOTTSDALE FDS	92206C680	1,812	$218,346	0.04%
197	DANAHER CORPORATION	235851102	1,095	$217,095	0.04%
198	BRISTOL-MYERS SQUIBB CO	CELG-RI	4,774	$215,307	0.04%
199	LABCORP HOLDINGS INC	LH	750	$215,295	0.04%
200	COLGATE PALMOLIVE CO	CL	2,686	$214,719	0.04%
201	NETFLIX INC	NFLX	179	$214,607	0.04%
202	ISHARES TR	464288414	2,000	$212,980	0.04%
203	DIMENSIONAL ETF TRUST	25434V807	4,572	$210,861	0.04%
204	ONEOK INC NEW	OKE	2,861	$208,767	0.04%
205	VANGUARD INDEX FDS	922908363	340	$208,209	0.04%
206	COMCAST CORP NEW	CCZ	6,624	$208,126	0.04%
207	MERCK & CO INC	MRK	2,388	$200,425	0.04%
208	INTERNATIONAL BUSINESS MACHS	INTR	678	$191,304	0.04%
209	COSTCO WHSL CORP NEW	22160K105	200	$185,126	0.03%
210	AMAZON COM INC	AMZN	840	$184,439	0.03%
211	DIMENSIONAL ETF TRUST	25434V104	3,882	$177,640	0.03%
212	NUCOR CORP	NUE	1,267	$171,590	0.03%
213	JOHNSON & JOHNSON	JNJ	925	$171,514	0.03%
214	ABBVIE INC	ABBV	701	$162,310	0.03%
215	ORACLE CORP	ORCL-PD	570	$160,307	0.03%
216	SYSCO CORP	SYY	1,932	$159,081	0.03%
217	MICROSOFT CORP	MSFT	300	$155,385	0.03%
218	ISHARES TR	464287200	232	$155,278	0.03%
219	ISHARES TR	464287804	1,269	$150,795	0.03%
220	SYSCO CORP	SYY	1,725	$142,037	0.03%
221	MCDONALDS CORP	MCD	458	$139,182	0.03%
222	CHEVRON CORP NEW	CVX	841	$130,599	0.02%
223	CATERPILLAR INC	CAT	250	$119,288	0.02%
224	ACCENTURE PLC IRELAND	ACN	483	$119,108	0.02%
225	MASTERCARD INCORPORATED	MA	200	$113,762	0.02%
226	NUVEEN PFD & INCOME OPPORTUNIT	NU	13,658	$111,996	0.02%
227	VERIZON COMMUNICATIONS INC	VZ	2,450	$107,678	0.02%
228	FISERV INC	FISV	816	$105,207	0.02%
229	MARATHON PETE CORP	MARA	500	$96,370	0.02%
230	SOUTHERN CO	SOMN	1,000	$94,770	0.02%
231	AMERICAN EXPRESS CO	AXP	270	$89,683	0.02%
232	FLEXSHARES TR	FLEX	3,591	$87,369	0.02%
233	APPLIED MATLS INC	038222105	418	$85,581	0.02%
234	PEPSICO INC	PEP	600	$84,264	0.02%
235	COCA COLA CO	KO	1,200	$79,584	0.01%
236	DOMINION ENERGY INC	D	1,267	$77,502	0.01%
237	HALLIBURTON CO	HAL	2,942	$72,373	0.01%
238	SPDR GOLD TR	GLD	200	$71,094	0.01%
239	RTX CORPORATION	RTX	384	$64,255	0.01%
240	BANK AMERICA CORP	060505104	1,200	$61,908	0.01%
241	DUKE ENERGY CORP NEW	DUKB	455	$56,306	0.01%
242	UNITED PARCEL SERVICE INC	UPS	650	$54,295	0.01%
243	BLACKROCK INC	BLK	45	$52,464	0.01%
244	LINDE PLC	LIN	100	$47,500	0.01%
245	J P MORGAN EXCHANGE TRADED FD	46641Q332	829	$47,336	0.01%
246	US BANCORP DEL	USB-PS	867	$41,902	0.01%
247	STARBUCKS CORP	SBUX	480	$40,608	0.01%
248	SALESFORCE INC	CRM	170	$40,290	0.01%
249	UNITEDHEALTH GROUP INC	UNH	110	$37,983	0.01%
250	HCA HEALTHCARE INC	HCA	87	$37,079	0.01%
251	THERMO FISHER SCIENTIFIC INC	TMO	75	$36,377	0.01%
252	MARSH & MCLENNAN COS INC	571748102	180	$36,275	0.01%
253	DIMENSIONAL ETF TRUST	25434V799	1,002	$32,856	0.01%
254	FLEXSHARES TR	FLEX	737	$32,266	0.01%
255	COMCAST CORP NEW	CCZ	1,018	$31,986	0.01%
256	PHILIP MORRIS INTL INC	718172109	190	$30,818	0.01%
257	CVS HEALTH CORP	CVS	371	$27,970	0.01%
258	VISA INC	V	76	$25,945	0.00%
259	ENBRIDGE INC	ENNPF	492	$24,826	0.00%
260	VANGUARD INDEX FDS	922908553	255	$23,312	0.00%
261	DIMENSIONAL ETF TRUST	25434V500	295	$20,196	0.00%
262	CONOCOPHILLIPS	COP	204	$19,296	0.00%
263	COGNIZANT TECHNOLOGY SOLUTIONS	CTSH	250	$16,768	0.00%
264	DIMENSIONAL ETF TRUST	25434V732	452	$14,496	0.00%
265	CITIGROUP INC	C-PR	139	$14,109	0.00%