# EDGAR Filing Document

**Accession Number:** 0001079398
**File Stem:** 0001079398-25-000007
**Filing Date:** 2025-7
**Character Count:** 14180
**Document Hash:** 3c1db9ec3151485dbae47ef7de1a87dc
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001079398-25-000007.hdr.sgml**: 20250728

**ACCESSION NUMBER**: 0001079398-25-000007

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250728

**DATE AS OF CHANGE**: 20250725

**EFFECTIVENESS DATE**: 20250728

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** BAKER BOYER NATIONAL BANK
- **CENTRAL INDEX KEY:** 0001079398

**ORGANIZATION NAME:**
- **EIN:** 910135040
- **STATE OF INCORPORATION:** WA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-03613
- **FILM NUMBER:** 251152654

**BUSINESS ADDRESS:**
- **STREET 1:** 7 W MAIN ST
- **STREET 2:** PO BOX 1796
- **CITY:** WALLA WALLA
- **STATE:** WA
- **ZIP:** 99362
- **BUSINESS PHONE:** 5095261143

**MAIL ADDRESS:**
- **STREET 1:** 7 W MAIN ST
- **STREET 2:** PO BOX 1796
- **CITY:** WALLA WALLA
- **STATE:** WA
- **ZIP:** 99362

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** BAKER BOYER NATIONAL BANK<br>**Address:** 7 W MAIN ST<br>PO BOX 1796<br>WALLA WALLA, WA 99362

**Form 13F File Number:** 028-03613

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:** Stacia Burres<br>**Title:** Operations Manager - Investments<br>**Phone:** 5095261351

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

Stacia Burres  Walla Walla, WA  07-25-2025<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:** 106

**Form 13F Information Table Value Total:** $289955088

      (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 |
| Abbott Laboratories | Com | 002824100 |  | 254339 | 1870 | SH |  | SOLE | 0 | 1870 | 0 | 0 |
| Abbvie Inc | Com | 00287Y109 |  | 277316 | 1494 | SH |  | SOLE | 0 | 1494 | 0 | 0 |
| Adobe Inc | Com | 00724F101 |  | 208915 | 540 | SH |  | SOLE | 0 | 540 | 0 | 0 |
| Advanced Micro Devices | Com | 007903107 |  | 222925 | 1571 | SH |  | SOLE | 0 | 1571 | 0 | 0 |
| Alpha Architect US Quantitative Value ETF | Com | 02072L102 |  | 370080 | 8409 | SH |  | SOLE | 0 | 8409 | 0 | 0 |
| Alpha Architect US Quantitative Value ETF | Com | 02072L102 |  | 693686 | 15762 | SH |  | DFND | 0 | 15762 | 0 | 0 |
| Alpha Architect Intl Quantitative Value | Com | 02072L201 |  | 265947 | 9539 | SH |  | SOLE | 0 | 9539 | 0 | 0 |
| Alpha Architect Intl Quantitative Value | Com | 02072L201 |  | 524897 | 18827 | SH |  | DFND | 0 | 18827 | 0 | 0 |
| Alpha Architect Intl Quantitative Momentum | Com | 02072L300 |  | 2199046 | 64754 | SH |  | SOLE | 0 | 64754 | 0 | 0 |
| Alpha Architect Intl Quantitative Momentum | Com | 02072L300 |  | 613657 | 18070 | SH |  | DFND | 0 | 18070 | 0 | 0 |
| Alpha Architect US Quantitative Momentum ETF | Com | 02072L409 |  | 363433 | 5593 | SH |  | SOLE | 0 | 5593 | 0 | 0 |
| Alpha Architect US Quantitative Momentum ETF | Com | 02072L409 |  | 702564 | 10812 | SH |  | DFND | 0 | 10812 | 0 | 0 |
| Alphabet (Google) Class C | Com | 02079K107 |  | 605964 | 3416 | SH |  | SOLE | 0 | 3416 | 0 | 0 |
| Alphabet (Google) Class A | Com | 02079K305 |  | 451149 | 2560 | SH |  | SOLE | 0 | 2560 | 0 | 0 |
| Altria Group Inc | Com | 02209S103 |  | 139481 | 2379 | SH |  | SOLE | 0 | 2379 | 0 | 0 |
| Altria Group Inc | Com | 02209S103 |  | 82082 | 1400 | SH |  | DFND | 0 | 1400 | 0 | 0 |
| Amazon.Com Inc | Com | 023135106 |  | 717625 | 3271 | SH |  | SOLE | 0 | 3271 | 0 | 0 |
| Apple Inc | Com | 037833100 |  | 3425518 | 16696 | SH |  | SOLE | 0 | 16696 | 0 | 0 |
| Apple Inc | Com | 037833100 |  | 269799 | 1315 | SH |  | DFND | 0 | 1315 | 0 | 0 |
| Berkshire Hathaway Inc Class B | Com | 084670702 |  | 769945 | 1585 | SH |  | SOLE | 0 | 1585 | 0 | 0 |
| Berkshire Hathaway Inc Class B | Com | 084670702 |  | 43719 | 90 | SH |  | DFND | 0 | 90 | 0 | 0 |
| Boeing Co | Com | 097023105 |  | 178101 | 850 | SH |  | SOLE | 0 | 850 | 0 | 0 |
| Boeing Co | Com | 097023105 |  | 377154 | 1800 | SH |  | DFND | 0 | 1800 | 0 | 0 |
| Carrier Global Corp | Com | 14448C104 |  | 219790 | 3003 | SH |  | SOLE | 0 | 3003 | 0 | 0 |
| Carrier Global Corp | Com | 14448C104 |  | 7612 | 104 | SH |  | DFND | 0 | 104 | 0 | 0 |
| Caterpillar Inc | Com | 149123101 |  | 388598 | 1001 | SH |  | SOLE | 0 | 1001 | 0 | 0 |
| Chevron Corp | Com | 166764100 |  | 465511 | 3251 | SH |  | SOLE | 0 | 3251 | 0 | 0 |
| Cisco Systems Inc | Com | 17275R102 |  | 218269 | 3146 | SH |  | SOLE | 0 | 3146 | 0 | 0 |
| Consolidated Edison Inc | Com | 209115104 |  | 322425 | 3213 | SH |  | SOLE | 0 | 3213 | 0 | 0 |
| Costco Wholesale Corp | Com | 22160K105 |  | 2016508 | 2037 | SH |  | SOLE | 0 | 2037 | 0 | 0 |
| Danaher Corp | Com | 235851102 |  | 253049 | 1281 | SH |  | SOLE | 0 | 1281 | 0 | 0 |
| Deere  Company | Com | 244199105 |  | 1120712 | 2204 | SH |  | SOLE | 0 | 2204 | 0 | 0 |
| Deere  Company | Com | 244199105 |  | 50849 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| DFA Intl Core Equity ETF | Com | 25434V203 |  | 3214422 | 92983 | SH |  | SOLE | 0 | 92983 | 0 | 0 |
| DFA Intl Core Equity ETF | Com | 25434V203 |  | 3097299 | 89595 | SH |  | DFND | 0 | 89595 | 0 | 0 |
| DFA Emerging Mkts Core Equity ETF | Com | 25434V302 |  | 1904765 | 65795 | SH |  | SOLE | 0 | 65795 | 0 | 0 |
| DFA Emerging Mkts Core Equity ETF | Com | 25434V302 |  | 775599 | 26791 | SH |  | DFND | 0 | 26791 | 0 | 0 |
| DFA U.S. Small Cap ETF | Com | 25434V500 |  | 2028017 | 31832 | SH |  | SOLE | 0 | 31832 | 0 | 0 |
| DFA U.S. Small Cap ETF | Com | 25434V500 |  | 152585 | 2395 | SH |  | DFND | 0 | 2395 | 0 | 0 |
| DFA U.S. Core Equity 2 ETF | Com | 25434V708 |  | 58586465 | 1634667 | SH |  | SOLE | 0 | 1634667 | 0 | 0 |
| DFA U.S. Core Equity 2 ETF | Com | 25434V708 |  | 6354934 | 177314 | SH |  | DFND | 0 | 177314 | 0 | 0 |
| DFA U.S. Marketwide Value ETF | Com | 25434V724 |  | 19191146 | 453906 | SH |  | SOLE | 0 | 453906 | 0 | 0 |
| DFA U.S. Marketwide Value ETF | Com | 25434V724 |  | 12980 | 307 | SH |  | DFND | 0 | 307 | 0 | 0 |
| DFA International Value ETF | Com | 25434V807 |  | 9085656 | 212133 | SH |  | SOLE | 0 | 212133 | 0 | 0 |
| DFA International Value ETF | Com | 25434V807 |  | 184383 | 4305 | SH |  | DFND | 0 | 4305 | 0 | 0 |
| DFA World Ex-U.S. Core Equity 2 ETF | Com | 25434V880 |  | 47489733 | 1616947 | SH |  | SOLE | 0 | 1616947 | 0 | 0 |
| DFA World Ex-U.S. Core Equity 2 ETF | Com | 25434V880 |  | 2101629 | 71557 | SH |  | DFND | 0 | 71557 | 0 | 0 |
| Duke Energy Corp | Com | 26441C204 |  | 337362 | 2859 | SH |  | SOLE | 0 | 2859 | 0 | 0 |
| Duke Energy Corp | Com | 26441C204 |  | 37760 | 320 | SH |  | DFND | 0 | 320 | 0 | 0 |
| Exxon Mobil Corporation | Com | 30231G102 |  | 492646 | 4570 | SH |  | SOLE | 0 | 4570 | 0 | 0 |
| Meta Platforms Inc | Com | 30303M102 |  | 844375 | 1144 | SH |  | SOLE | 0 | 1144 | 0 | 0 |
| Fidelity Total Bond ETF | Com | 316188309 |  | 18594859 | 406445 | SH |  | SOLE | 0 | 401913 | 0 | 4532 |
| Fidelity Total Bond ETF | Com | 316188309 |  | 505492 | 11049 | SH |  | DFND | 0 | 11049 | 0 | 0 |
| Home Depot Inc | Com | 437076102 |  | 715681 | 1952 | SH |  | SOLE | 0 | 1952 | 0 | 0 |
| Honeywell International | Com | 438516106 |  | 601995 | 2585 | SH |  | SOLE | 0 | 2585 | 0 | 0 |
| International Business Machines | Com | 459200101 |  | 550059 | 1866 | SH |  | SOLE | 0 | 1866 | 0 | 0 |
| Intuit Inc | Com | 461202103 |  | 338681 | 430 | SH |  | SOLE | 0 | 430 | 0 | 0 |
| iShares Russell 1000 Growth ETF | Com | 464287614 |  | 1193070 | 2810 | SH |  | SOLE | 0 | 2810 | 0 | 0 |
| iShares National Muni Bond ETF | Com | 464288414 |  | 267469 | 2560 | SH |  | SOLE | 0 | 2560 | 0 | 0 |
| iShares MSCI USA Momentum Factor ETF | Com | 46432F396 |  | 1755297 | 7304 | SH |  | SOLE | 0 | 7304 | 0 | 0 |
| iShares MSCI USA Momentum Factor ETF | Com | 46432F396 |  | 721 | 3 | SH |  | DFND | 0 | 3 | 0 | 0 |
| iShares Core MSCI Emerging Markets ETF | Com | 46434G103 |  | 916838 | 15273 | SH |  | SOLE | 0 | 15273 | 0 | 0 |
| iShares Core MSCI Emerging Markets ETF | Com | 46434G103 |  | 600 | 10 | SH |  | DFND | 0 | 10 | 0 | 0 |
| iShares ibonds Dec 2028 Term Corp ETF | Com | 46435U515 |  | 681434 | 26807 | SH |  | SOLE | 0 | 26807 | 0 | 0 |
| JPMorgan Chase | Com | 46625H100 |  | 233378 | 805 | SH |  | SOLE | 0 | 805 | 0 | 0 |
| JPMorgan Chase | Com | 46625H100 |  | 75377 | 260 | SH |  | DFND | 0 | 260 | 0 | 0 |
| Johnson  Johnson | Com | 478160104 |  | 1066195 | 6980 | SH |  | SOLE | 0 | 6980 | 0 | 0 |
| Lowes Companies Inc | Com | 548661107 |  | 165515 | 746 | SH |  | SOLE | 0 | 746 | 0 | 0 |
| Lowes Companies Inc | Com | 548661107 |  | 44374 | 200 | SH |  | DFND | 0 | 200 | 0 | 0 |
| Mastercard Inc | Com | 57636Q104 |  | 609705 | 1085 | SH |  | SOLE | 0 | 1085 | 0 | 0 |
| McDonald's Corporation | Com | 580135101 |  | 890534 | 3048 | SH |  | SOLE | 0 | 3048 | 0 | 0 |
| Microsoft Corp | Com | 594918104 |  | 3808171 | 7656 | SH |  | SOLE | 0 | 7656 | 0 | 0 |
| Microsoft Corp | Com | 594918104 |  | 497410 | 1000 | SH |  | DFND | 0 | 1000 | 0 | 0 |
| Nike Inc Cl B | Com | 654106103 |  | 379283 | 5339 | SH |  | SOLE | 0 | 5339 | 0 | 0 |
| NVIDIA Corp | Com | 67066G104 |  | 432735 | 2739 | SH |  | SOLE | 0 | 2739 | 0 | 0 |
| Paccar Inc | Com | 693718108 |  | 419120 | 4409 | SH |  | SOLE | 0 | 4409 | 0 | 0 |
| Palantir Tech | Com | 69608A108 |  | 346798 | 2544 | SH |  | SOLE | 0 | 2544 | 0 | 0 |
| Procter  Gamble CO | Com | 742718109 |  | 739085 | 4639 | SH |  | SOLE | 0 | 4639 | 0 | 0 |
| RTX Corporation | Com | 75513E101 |  | 565389 | 3872 | SH |  | SOLE | 0 | 3872 | 0 | 0 |
| SPDR S 500 ETF | Com | 78462F103 |  | 789612 | 1278 | SH |  | SOLE | 0 | 1278 | 0 | 0 |
| SPDR Technology Select Sector | Com | 81369Y803 |  | 316791 | 1251 | SH |  | SOLE | 0 | 1251 | 0 | 0 |
| Southern Company | Com | 842587107 |  | 636566 | 6932 | SH |  | SOLE | 0 | 6932 | 0 | 0 |
| Southern Company | Com | 842587107 |  | 59690 | 650 | SH |  | DFND | 0 | 650 | 0 | 0 |
| Stryker Corp | Com | 863667101 |  | 336681 | 851 | SH |  | SOLE | 0 | 851 | 0 | 0 |
| Tesla Inc | Com | 88160R101 |  | 344661 | 1085 | SH |  | SOLE | 0 | 1085 | 0 | 0 |
| Tesla Inc | Com | 88160R101 |  | 9530 | 30 | SH |  | DFND | 0 | 30 | 0 | 0 |
| Union Pacific Corp | Com | 907818108 |  | 505486 | 2197 | SH |  | SOLE | 0 | 2197 | 0 | 0 |
| United Health Group | Com | 91324P102 |  | 353462 | 1133 | SH |  | SOLE | 0 | 1133 | 0 | 0 |
| Vanguard Developed Markets Index ETF | Com | 921943858 |  | 1554492 | 27267 | SH |  | SOLE | 0 | 27267 | 0 | 0 |
| Vanguard Malver Funds Core Bond ETF | Com | 922020748 |  | 252678 | 3257 | SH |  | SOLE | 0 | 3257 | 0 | 0 |
| Vanguard FTSE Emerging Markets | Com | 922042858 |  | 545544 | 11030 | SH |  | SOLE | 0 | 11030 | 0 | 0 |
| Vanguard Russell 2000 Index Fund | Com | 92206C664 |  | 458254 | 5254 | SH |  | SOLE | 0 | 5254 | 0 | 0 |
| Vanguard Russell 1000 Growth Index Fund | Com | 92206C680 |  | 1228391 | 11249 | SH |  | SOLE | 0 | 11249 | 0 | 0 |
| Vanguard Interm Term Treasury ETF | Com | 92206C706 |  | 3715337 | 62119 | SH |  | SOLE | 0 | 62119 | 0 | 0 |
| Vanguard Russell 1000 Value Index Fund | Com | 92206C714 |  | 1054815 | 12379 | SH |  | SOLE | 0 | 12379 | 0 | 0 |
| Vanguard Muni Bond Tax Exempt | Com | 922907746 |  | 59102772 | 1205441 | SH |  | SOLE | 0 | 1202024 | 0 | 3417 |
| Vanguard Muni Bond Tax Exempt | Com | 922907746 |  | 2258665 | 46067 | SH |  | DFND | 0 | 46067 | 0 | 0 |
| Vanguard S 500 | Com | 922908363 |  | 2023891 | 3563 | SH |  | SOLE | 0 | 3563 | 0 | 0 |
| Vanguard Extended Market Index | Com | 922908652 |  | 206392 | 1071 | SH |  | SOLE | 0 | 1071 | 0 | 0 |
| Vanguard Value ETF | Com | 922908744 |  | 1334740 | 7552 | SH |  | SOLE | 0 | 7552 | 0 | 0 |
| Vanguard Value ETF | Com | 922908744 |  | 707 | 4 | SH |  | DFND | 0 | 4 | 0 | 0 |
| Visa Inc | Com | 92826C839 |  | 443813 | 1250 | SH |  | SOLE | 0 | 1250 | 0 | 0 |
| Walmart Inc | Com | 931142103 |  | 220787 | 2258 | SH |  | SOLE | 0 | 2258 | 0 | 0 |
| Waste Management | Com | 94106L109 |  | 452835 | 1979 | SH |  | SOLE | 0 | 1979 | 0 | 0 |
| Accenture PLC | Com | G1151C101 |  | 436977 | 1462 | SH |  | SOLE | 0 | 1462 | 0 | 0 |
| Trane Technologies | Com | G8994E103 |  | 203833 | 466 | SH |  | SOLE | 0 | 466 | 0 | 0 |

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