# EDGAR Filing Document

**Accession Number:** 0001224890
**File Stem:** 0001172661-26-000244
**Filing Date:** 2026-1
**Character Count:** 16151
**Document Hash:** 9db32802a1d8065f0e095e9d9bb1be19
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-000244.hdr.sgml**: 20260121

**ACCESSION NUMBER**: 0001172661-26-000244

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260121

**DATE AS OF CHANGE**: 20260121

**EFFECTIVENESS DATE**: 20260121

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CULBERTSON A N & CO INC
- **CENTRAL INDEX KEY:** 0001224890

**ORGANIZATION NAME:**
- **EIN:** 550723776

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-10628
- **FILM NUMBER:** 26547178

**BUSINESS ADDRESS:**
- **STREET 1:** ONE BOAR'S HEAD POINTE
- **CITY:** CHARLOTTESVILLE
- **STATE:** VA
- **ZIP:** 22903
- **BUSINESS PHONE:** 4349727766

**MAIL ADDRESS:**
- **STREET 1:** ONE BOAR'S HEAD POINTE
- **CITY:** CHARLOTTESVILLE
- **STATE:** VA
- **ZIP:** 22903

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** CULBERTSON A N  CO INC<br>**Address:** One Boar's Head Pointe<br>Charlottesville, VA 22903

**Form 13F File Number:** 028-10628

**CRD Number (if applicable):** 000108341

**SEC File Number (if applicable):** 801-43581

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Matthew Borland<br>**Title:** Chief Operating Officer<br>**Phone:** 434-971-1111

**Signature, Place, and Date of Signing:**

/s/ Matthew Borland  Charlottesville, VA  01-21-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 128

**Form 13F Information Table Value Total:** $728894753

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 |  | 2560639 | 15994 | SH |  | SOLE |  | 0 | 0 | 15994 |
| ABBOTT LABS | COM | 002824100 |  | 11348330 | 90577 | SH |  | SOLE |  | 0 | 0 | 90577 |
| ABBVIE INC | COM | 00287Y109 |  | 15340133 | 67137 | SH |  | SOLE |  | 0 | 0 | 67137 |
| ADOBE INC | COM | 00724F101 |  | 443787 | 1268 | SH |  | SOLE |  | 0 | 0 | 1268 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 6280607 | 25426 | SH |  | SOLE |  | 0 | 0 | 25426 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 21259636 | 67749 | SH |  | SOLE |  | 0 | 0 | 67749 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 11476458 | 36666 | SH |  | SOLE |  | 0 | 0 | 36666 |
| AMAZON COM INC | COM | 023135106 |  | 7027084 | 30444 | SH |  | SOLE |  | 0 | 0 | 30444 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 1447614 | 3913 | SH |  | SOLE |  | 0 | 0 | 3913 |
| AMGEN INC | COM | 031162100 |  | 632363 | 1932 | SH |  | SOLE |  | 0 | 0 | 1932 |
| ANHEUSER BUSCH INBEV SA/NV | SPONSORED ADR | 03524A108 |  | 750869 | 11725 | SH |  | SOLE |  | 0 | 0 | 11725 |
| APPLE INC | COM | 037833100 |  | 47042780 | 173040 | SH |  | SOLE |  | 0 | 0 | 173040 |
| AT INC | COM | 00206R102 |  | 1962526 | 79007 | SH |  | SOLE |  | 0 | 0 | 79007 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 6166660 | 23973 | SH |  | SOLE |  | 0 | 0 | 23973 |
| BANK AMERICA CORP | COM | 060505104 |  | 4566753 | 83032 | SH |  | SOLE |  | 0 | 0 | 83032 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 58520778 | 116425 | SH |  | SOLE |  | 0 | 0 | 116425 |
| BLACKROCK INC | COM | 09290D101 |  | 2133188 | 1993 | SH |  | SOLE |  | 0 | 0 | 1993 |
| BLACKSTONE INC | COM | 09260D107 |  | 409242 | 2655 | SH |  | SOLE |  | 0 | 0 | 2655 |
| BROOKFIELD ASSET MANAGMT LTD | CL A LMT VTG SHS | 113004105 |  | 696525 | 13295 | SH |  | SOLE |  | 0 | 0 | 13295 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 7456758 | 162492 | SH |  | SOLE |  | 0 | 0 | 162492 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 2712008 | 11190 | SH |  | SOLE |  | 0 | 0 | 11190 |
| CATERPILLAR INC | COM | 149123101 |  | 23427232 | 40895 | SH |  | SOLE |  | 0 | 0 | 40895 |
| CHEVRON CORP NEW | COM | 166764100 |  | 10371933 | 68053 | SH |  | SOLE |  | 0 | 0 | 68053 |
| CHUBB LIMITED | COM | H1467J104 |  | 2602457 | 8338 | SH |  | SOLE |  | 0 | 0 | 8338 |
| CISCO SYS INC | COM | 17275R102 |  | 7825632 | 101592 | SH |  | SOLE |  | 0 | 0 | 101592 |
| CITIGROUP INC | COM NEW | 172967424 |  | 4668067 | 40004 | SH |  | SOLE |  | 0 | 0 | 40004 |
| CLOROX CO DEL | COM | 189054109 |  | 370449 | 3674 | SH |  | SOLE |  | 0 | 0 | 3674 |
| COCA COLA CO | COM | 191216100 |  | 1342412 | 19202 | SH |  | SOLE |  | 0 | 0 | 19202 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 312893 | 2268 | SH |  | SOLE |  | 0 | 0 | 2268 |
| CORNING INC | COM | 219350105 |  | 7728483 | 88265 | SH |  | SOLE |  | 0 | 0 | 88265 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 577768 | 670 | SH |  | SOLE |  | 0 | 0 | 670 |
| CUMMINS INC | COM | 231021106 |  | 17733543 | 34741 | SH |  | SOLE |  | 0 | 0 | 34741 |
| CVS HEALTH CORP | COM | 126650100 |  | 3065981 | 38634 | SH |  | SOLE |  | 0 | 0 | 38634 |
| DEERE  CO | COM | 244199105 |  | 11747262 | 25232 | SH |  | SOLE |  | 0 | 0 | 25232 |
| DEVON ENERGY CORP NEW | COM | 25179M103 |  | 1348717 | 36820 | SH |  | SOLE |  | 0 | 0 | 36820 |
| DISNEY WALT CO | COM | 254687106 |  | 1787440 | 15711 | SH |  | SOLE |  | 0 | 0 | 15711 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 1875154 | 32005 | SH |  | SOLE |  | 0 | 0 | 32005 |
| ELI LILLY  CO | COM | 532457108 |  | 945718 | 880 | SH |  | SOLE |  | 0 | 0 | 880 |
| EOG RES INC | COM | 26875P101 |  | 3586197 | 34151 | SH |  | SOLE |  | 0 | 0 | 34151 |
| ERIE INDTY CO | CL A | 29530P102 |  | 937059 | 3269 | SH |  | SOLE |  | 0 | 0 | 3269 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 8817184 | 73269 | SH |  | SOLE |  | 0 | 0 | 73269 |
| FEDEX CORP | COM | 31428X106 |  | 7655945 | 26504 | SH |  | SOLE |  | 0 | 0 | 26504 |
| GENERAL MLS INC | COM | 370334104 |  | 899589 | 19346 | SH |  | SOLE |  | 0 | 0 | 19346 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 23887997 | 27176 | SH |  | SOLE |  | 0 | 0 | 27176 |
| HERSHEY CO | COM | 427866108 |  | 2394675 | 13159 | SH |  | SOLE |  | 0 | 0 | 13159 |
| HOME DEPOT INC | COM | 437076102 |  | 1425606 | 4143 | SH |  | SOLE |  | 0 | 0 | 4143 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 3508113 | 11843 | SH |  | SOLE |  | 0 | 0 | 11843 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 1028869 | 5371 | SH |  | SOLE |  | 0 | 0 | 5371 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 575608 | 937 | SH |  | SOLE |  | 0 | 0 | 937 |
| ISHARES TR | CORE S ETF | 464287200 |  | 952067 | 1390 | SH |  | SOLE |  | 0 | 0 | 1390 |
| ISHARES TR | PFD AND INCM SEC | 464288687 |  | 999760 | 32292 | SH |  | SOLE |  | 0 | 0 | 32292 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 1624249 | 16262 | SH |  | SOLE |  | 0 | 0 | 16262 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 2622448 | 21821 | SH |  | SOLE |  | 0 | 0 | 21821 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1525854 | 23119 | SH |  | SOLE |  | 0 | 0 | 23119 |
| ISHARES TR | S 500 GRWT ETF | 464287309 |  | 899428 | 7297 | SH |  | SOLE |  | 0 | 0 | 7297 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 933413 | 5151 | SH |  | SOLE |  | 0 | 0 | 5151 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 9399866 | 38186 | SH |  | SOLE |  | 0 | 0 | 38186 |
| ISHARES TR | CORE S TTL STK | 464287150 |  | 549410 | 3695 | SH |  | SOLE |  | 0 | 0 | 3695 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 658574 | 6858 | SH |  | SOLE |  | 0 | 0 | 6858 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 16167392 | 167938 | SH |  | SOLE |  | 0 | 0 | 167938 |
| ISHARES TR | S 100 ETF | 464287101 |  | 6074685 | 17712 | SH |  | SOLE |  | 0 | 0 | 17712 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 15469753 | 74751 | SH |  | SOLE |  | 0 | 0 | 74751 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 |  | 1514239 | 12645 | SH |  | SOLE |  | 0 | 0 | 12645 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 36593507 | 113567 | SH |  | SOLE |  | 0 | 0 | 113567 |
| KENVUE INC | COM | 49177J102 |  | 277725 | 16100 | SH |  | SOLE |  | 0 | 0 | 16100 |
| LANDSTAR SYS INC | COM | 515098101 |  | 215550 | 1500 | SH |  | SOLE |  | 0 | 0 | 1500 |
| LOWES COS INC | COM | 548661107 |  | 800169 | 3318 | SH |  | SOLE |  | 0 | 0 | 3318 |
| M  T BK CORP | COM | 55261F104 |  | 3522676 | 17484 | SH |  | SOLE |  | 0 | 0 | 17484 |
| MARKEL GROUP INC | COM | 570535104 |  | 6474746 | 3012 | SH |  | SOLE |  | 0 | 0 | 3012 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1527104 | 2675 | SH |  | SOLE |  | 0 | 0 | 2675 |
| MCCORMICK  CO INC | COM VTG | 579780107 |  | 211686 | 3108 | SH |  | SOLE |  | 0 | 0 | 3108 |
| MCDONALDS CORP | COM | 580135101 |  | 11278613 | 36903 | SH |  | SOLE |  | 0 | 0 | 36903 |
| MCKESSON CORP | COM | 58155Q103 |  | 16966878 | 20684 | SH |  | SOLE |  | 0 | 0 | 20684 |
| META PLATFORMS INC | CL A | 30303M102 |  | 472624 | 716 | SH |  | SOLE |  | 0 | 0 | 716 |
| MICROSOFT CORP | COM | 594918104 |  | 39648294 | 81982 | SH |  | SOLE |  | 0 | 0 | 81982 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 3638585 | 67594 | SH |  | SOLE |  | 0 | 0 | 67594 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 4506244 | 25383 | SH |  | SOLE |  | 0 | 0 | 25383 |
| ORACLE CORP | COM | 68389X105 |  | 14062757 | 72150 | SH |  | SOLE |  | 0 | 0 | 72150 |
| ORANGE CNTY BANCORP INC | COM | 68417L107 |  | 236965 | 8300 | SH |  | SOLE |  | 0 | 0 | 8300 |
| PEPSICO INC | COM | 713448108 |  | 9803876 | 68310 | SH |  | SOLE |  | 0 | 0 | 68310 |
| PFIZER INC | COM | 717081103 |  | 277809 | 11157 | SH |  | SOLE |  | 0 | 0 | 11157 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 8534995 | 59556 | SH |  | SOLE |  | 0 | 0 | 59556 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 393450 | 15000 | SH |  | SOLE |  | 0 | 0 | 15000 |
| SLB LIMITED | COM STK | 806857108 |  | 461260 | 12018 | SH |  | SOLE |  | 0 | 0 | 12018 |
| SMUCKER J M CO | COM NEW | 832696405 |  | 406498 | 4156 | SH |  | SOLE |  | 0 | 0 | 4156 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1942790 | 2849 | SH |  | SOLE |  | 0 | 0 | 2849 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 3386269 | 37057 | SH |  | SOLE |  | 0 | 0 | 37057 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A854 |  | 210497 | 2624 | SH |  | SOLE |  | 0 | 0 | 2624 |
| STARBUCKS CORP | COM | 855244109 |  | 1083614 | 12868 | SH |  | SOLE |  | 0 | 0 | 12868 |
| STATE STR CORP | COM | 857477103 |  | 1028403 | 7972 | SH |  | SOLE |  | 0 | 0 | 7972 |
| TEXAS INSTRS INC | COM | 882508104 |  | 3553596 | 20483 | SH |  | SOLE |  | 0 | 0 | 20483 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 5836877 | 20123 | SH |  | SOLE |  | 0 | 0 | 20123 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 555729 | 11293 | SH |  | SOLE |  | 0 | 0 | 11293 |
| UNION PAC CORP | COM | 907818108 |  | 1378667 | 5960 | SH |  | SOLE |  | 0 | 0 | 5960 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 1564425 | 15772 | SH |  | SOLE |  | 0 | 0 | 15772 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 952367 | 2885 | SH |  | SOLE |  | 0 | 0 | 2885 |
| US BANCORP DEL | COM NEW | 902973304 |  | 7644033 | 143254 | SH |  | SOLE |  | 0 | 0 | 143254 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 279716 | 2701 | SH |  | SOLE |  | 0 | 0 | 2701 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 1791643 | 24189 | SH |  | SOLE |  | 0 | 0 | 24189 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 351372 | 7050 | SH |  | SOLE |  | 0 | 0 | 7050 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 7530926 | 95558 | SH |  | SOLE |  | 0 | 0 | 95558 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 10221527 | 39626 | SH |  | SOLE |  | 0 | 0 | 39626 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 3266446 | 18416 | SH |  | SOLE |  | 0 | 0 | 18416 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 6319251 | 12953 | SH |  | SOLE |  | 0 | 0 | 12953 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 4590330 | 24034 | SH |  | SOLE |  | 0 | 0 | 24034 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 6791148 | 23400 | SH |  | SOLE |  | 0 | 0 | 23400 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 2411942 | 3846 | SH |  | SOLE |  | 0 | 0 | 3846 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 327990 | 1175 | SH |  | SOLE |  | 0 | 0 | 1175 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 12965226 | 38671 | SH |  | SOLE |  | 0 | 0 | 38671 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 4707880 | 22229 | SH |  | SOLE |  | 0 | 0 | 22229 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 1921078 | 38200 | SH |  | SOLE |  | 0 | 0 | 38200 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 438013 | 5230 | SH |  | SOLE |  | 0 | 0 | 5230 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 3600447 | 45158 | SH |  | SOLE |  | 0 | 0 | 45158 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 4788308 | 81531 | SH |  | SOLE |  | 0 | 0 | 81531 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 608131 | 2767 | SH |  | SOLE |  | 0 | 0 | 2767 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 2480090 | 32875 | SH |  | SOLE |  | 0 | 0 | 32875 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 3954407 | 27553 | SH |  | SOLE |  | 0 | 0 | 27553 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 8460427 | 11224 | SH |  | SOLE |  | 0 | 0 | 11224 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2485426 | 61022 | SH |  | SOLE |  | 0 | 0 | 61022 |
| VISA INC | COM CL A | 92826C839 |  | 7434701 | 21199 | SH |  | SOLE |  | 0 | 0 | 21199 |
| WALMART INC | COM | 931142103 |  | 951330 | 8539 | SH |  | SOLE |  | 0 | 0 | 8539 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 7978914 | 85611 | SH |  | SOLE |  | 0 | 0 | 85611 |
| WISDOMTREE TR | US MIDCAP DIVID | 97717W505 |  | 1457752 | 28251 | SH |  | SOLE |  | 0 | 0 | 28251 |
| WISDOMTREE TR | US MIDCAP FUND | 97717W570 |  | 3053428 | 45710 | SH |  | SOLE |  | 0 | 0 | 45710 |
| WISDOMTREE TR | INTL EQUITY FD | 97717W703 |  | 254068 | 3695 | SH |  | SOLE |  | 0 | 0 | 3695 |
| WISDOMTREE TR | US SMALLCAP FUND | 97717W562 |  | 3518900 | 61811 | SH |  | SOLE |  | 0 | 0 | 61811 |
| WISDOMTREE TR | US LARGECAP DIVD | 97717W307 |  | 1958899 | 22240 | SH |  | SOLE |  | 0 | 0 | 22240 |
| ZIMMER BIOMET HOLDINGS INC | COM | 98956P102 |  | 471900 | 5248 | SH |  | SOLE |  | 0 | 0 | 5248 |

---