VeraBank, N.A.

CIK 0001767297 · Q1 2026

13F Equity AUM

$546.3M

-0.6% QoQ

Positions

173

-7 QoQ

AUM Rank

#4,098

Top 33%

Skill Alpha (FF)

-1.2%/yr^ns

No Clear Edge

Rank #4,083 · Top 50%

vs S&P -5.6%/yr (unadj.)

Quarters Tracked

~7 years

Portfolio Concentration

Top 5: 30.8%Top 10: 50.8%Top 20: 68.8%

DFAU7.3%

QDF6.7%

IVV6.0%

BLUE BELL CREAMERIES INC.5.9%

VUG5.0%

DFIC4.6%

VIGI4.4%

AVEM4.0%

DFLV3.6%

DFIV3.3%

Others (163)49.2%

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

Sector Allocation

Financial Services64.1%

Technology9.1%

Unclassified5.9%

Healthcare4.1%

Energy3.8%

Communication Services3.5%

Industrials2.9%

Consumer Cyclical2.9%

Other3.7%

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

Position Sizing

Positions: 173Median: 0.16%Avg: 0.58%

0–0.5%

141(22.6%)

0.5–1%

10(6.6%)

1–3%

11(16.7%)

3–5%

7(28.2%)

5%+

4(25.8%)

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

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Portfolio Overlap

Shared: 170Unique: 3vs 20 funds

2.3%Low

173

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)

MORGAN STANLEY

3.2%

BANK OF AMERICA CORP /DE/

3.6%

3.5%

5.5%

3.8%

3.8%

VANGUARD CAPITAL MANAGEMENT LLC

3.5%

GEODE CAPITAL MANAGEMENT, LLC

3.5%

VANGUARD PORTFOLIO MANAGEMENT LLC

4.2%

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

New2Increased25Decreased99Exited9

New Positions

LH0.0%

+750

ADI0.0%

+730

Increased

GUNR1.4%

+86K(+155%)

DFIV3.3%

+58K(+20%)

DFAU7.3%

+39K(+5%)

DFIC4.6%

+34K(+5%)

DFLV3.6%

+13K(+2%)

GBCI0.1%

+11K(+193%)

DFAS1.8%

+8K(+6%)

TDTT2.0%

+7K(+2%)

AVEM4.0%

+5K(+2%)

VUG5.0%

+3K(+5%)

Decreased

PFE0.2%

-7,399(-19%)

CRM0.1%

-5,657(-57%)

JEPI1.0%

-5,594(-5%)

SBR0.3%

-4,272(-18%)

NI0.1%

-3,385(-20%)

JPST0.1%

-2,525(-23%)

AAPL3.2%

-2,073(-3%)

WEC0.1%

-1,590(-29%)

T0.0%

-1,568(-18%)

RTX0.5%

-1,350(-9%)

Exited

-840

-800

-5,524

-609

-1,803

-700

-428

-3,295

-1,904

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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