BAKER BOYER NATIONAL BANK

CIK 0001079398 · Q1 2026

13F Equity AUM

$332.8M

+0.5% QoQ

Positions

-3 QoQ

AUM Rank

#5,543

Top 45%

Skill Alpha (FF)

-0.4%/yr^ns

No Clear Edge

Rank #2,795 · Top 34%

vs S&P -4.9%/yr (unadj.)

Quarters Tracked

~10 years

Portfolio Concentration

Top 5: 68.8%Top 10: 79.7%Top 20: 87.7%

DFAC21.1%

DFAX18.0%

VTEB17.6%

DFUV6.4%

FBND5.6%

DFIV3.3%

DFAI2.3%

MSFT2.3%

SPY1.6%

AAPL1.4%

Others (81)20.3%

HHI (Herfindahl-Hirschman Index) measures portfolio concentration. Low (<1500) = diversified, Moderate (1500-2500), High (>2500) = concentrated bets.

Sector Allocation

Financial Services87.4%

Technology4.2%

Industrials3.4%

Other4.9%

Portfolio weight by GICS sector based on latest 13F filing. Sectors below 2% are grouped as “Other.”

Position Sizing

Positions: 91Median: 0.18%Avg: 1.10%

0–0.5%

74(13.7%)

0.5–1%

3(2.1%)

1–3%

8(12.2%)

3–5%

1(3.3%)

5%+

5(68.8%)

Count of positions per weight bucket — (%) = combined portfolio weight

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Portfolio Overlap

Shared: 87Unique: 4vs 20 funds

1.2%Low

Fund positions

7,299

Consensus CUSIPs

Jaccard similarity of this fund’s portfolio vs the consensus of top 20 funds by AUM. Low (<15%) = contrarian, Moderate (15-40%), High (>40%) = follows the crowd.

Most Similar Funds

Top 9 benchmark funds with highest portfolio overlap (Jaccard similarity)

BANK OF AMERICA CORP /DE/

1.8%

1.6%

1.8%

2.8%

1.8%

1.7%

VANGUARD CAPITAL MANAGEMENT LLC

1.6%

VANGUARD PORTFOLIO MANAGEMENT LLC

1.9%

GEODE CAPITAL MANAGEMENT, LLC

1.5%

Jaccard similarity per fund: shared CUSIPs / (fund A + fund B − shared). Higher values indicate more similar portfolios.

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Position Changes This Quarter

New3Increased13Decreased42Exited6

New Positions

VXUS0.1%

+4K

FDX0.1%

+678

PHYS/U0.1%

+6K

Increased

DFAX18.0%

+42K(+2%)

DFAC21.1%

+23K(+1%)

FBND5.6%

+16K(+4%)

VTEB17.6%

+9K(+1%)

IMOM1.1%

+6K(+7%)

IBDT0.2%

+3K(+11%)

DFAE1.0%

+1K(+1%)

VTWO0.2%

+1K(+22%)

MTUM0.7%

+1K(+15%)

AMZN0.3%

+740(+19%)

Decreased

DFIV3.3%

-4,840(-2%)

SO0.1%

-3,900(-56%)

VGIT1.1%

-1,264(-2%)

BRK/B0.3%

-1,215(-35%)

VEA0.5%

-1,154(-4%)

DFUV6.4%

-1,129(-0%)

PG0.1%

-1,040(-23%)

VWO0.2%

-513(-4%)

GOOG0.3%

-440(-13%)

IAU*0.2%

-398(-6%)

Exited

-1,137

-451

-1,846

-676

-2,722

-231

Quarter-over-quarter changes compared to prior 13F filing. New = first appearance; Exited = no longer held.

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Holdings

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