Silver Oak Advisory Group, Inc. — Q4 2025 13F Holdings

Name: Silver Oak Advisory Group, Inc. — 13F Holdings, Q4 2025
Creator: AlphaSMO
License: https://www.sec.gov/forms

CIK: 0001906937

Total reported value

$231.8M

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Full holdings list this quarter

#	Ticker	Issuer	Asset Subclass	Weight	Weight Change	Shares Change
1	BND	Vanguard Total Bond Market	ETF-Other	19.88%	+0.15%	+1.45%
2	BNDX	Vanguard Total Intl Bond ETF	ETF-Other	10.98%	+0.01%	+2.08%
3	BSV	Vanguard Short-term Bond ETF	ETF-Other	7.49%	+0.07%	+0.58%
4	DFAC	Dimensional US Core Equity 2	ETF-Other	7.17%	+0.62%	+0.63%
5	DFAX	Dimensional World Ex US Core	ETF-Other	6.49%	+0.50%	-4.09%
6	VTI	Vanguard Total Stock Mkt ETF	ETF-Other	4.98%	-0.48%	-0.55%
7	VTEB	Vanguard Tax-exempt Bond ETF	ETF-Other	4.52%	-0.11%	+2.93%
8	VIOV	Vanguard S&p Small-cap 600 V	ETF-Other	3.93%	-0.08%	-0.43%
9	BIV	Vanguard Intermediate-term B	ETF-Other	3.04%	-0.01%	+7.11%
10	VNQ	Vanguard Real Estate ETF	ETF-Other	3.02%	+0.13%	+1.12%
11	VXUS	Vanguard Total Intl Stock	ETF-Other	2.78%	-0.18%	-0.94%
12	VTEI	Vanguard Int Tax-exempt Bond	ETF-Other	2.71%	-0.05%	+13.77%
13	SCHB	Schwab US Broad Market ETF	ETF-Other	1.81%	-0.18%	-3.57%
14	VSGX	Vanguard Esg Intl Stock ETF	ETF-Other	1.48%	-0.18%	+4.17%
15	NUBD	Nuveen Esg US Aggregate Bond	ETF-Other	1.05%	-0.07%	-2.69%
16	VTES	Vanguard Sh Term Tax-ex Bond	ETF-Other	1.01%	+0.03%	+0.26%
17	VTIP	Vanguard Short-term Tips	ETF-Other	0.98%	+0.01%	-1.07%
18	VT	Vanguard Tot World Stk ETF	ETF-Other	0.88%	—	+0.37%
19	MSFT	Microsoft CORP	Stock-Tech	0.86%	-0.24%	-18.83%
20	VIOO	Vanguard S&p Small-cap 600 E	ETF-Other	0.85%	-0.02%	+0.15%
21	DFUS	Dimensional US Eq Mkt ETF	ETF-Other	0.80%	-0.07%	-3.79%
22	AAPL	Apple INC	Stock-Tech	0.75%	-0.19%	-35.54%
23	ESGV	Vanguard Esg US Stock ETF	ETF-Other	0.74%	-0.01%	+0.52%
24	VGIT	Vanguard Intermediate-term T	ETF-Other	0.68%	—	+18.85%
25	SPY	Ss Spdr S&p 500 ETF Trust-us	ETF-Large Cap & Growth	0.57%	-0.05%	+0.82%
26	DFAT	Dimensional US Target Value	ETF-Other	0.54%	—	+22.75%
27	DFUV	Dimensional US Marketwide Va	ETF-Other	0.48%	—	—
28	VCIT	Vanguard Int-term Corporate	ETF-Corp Bonds	0.47%	—	+7.86%
29	VGSR	Vert Glb Sust Re ETF	ETF-Other	0.45%	—	+14.02%
30	VTV	Vanguard Value ETF	ETF-Other	0.44%	—	-1.21%
31	NUSC	Nuveen Esg Small-cap ETF	ETF-Other	0.42%	-0.04%	+12.82%
32	EAGG	Ishares Esg Aware US Aggrega	ETF-Other	0.42%	—	+1.78%
33	COST	Costco Wholesale CORP	Stock-Consumer Staples	0.40%	+0.04%	-20.34%
34	VGSH	Vanguard Short-term Treasury	ETF-Gov Bonds	0.39%	—	+10.51%
35	WFC	Wells Fargo & Co	Stock-Financials	0.28%	-0.05%	-6.00%
36	VBR	Vanguard Small-cap Value ETF	ETF-Other	0.27%	+0.16%	—
37	DFSU	Dimensional US Sus Core1 ETF	ETF-Other	0.27%	+0.02%	+144.04%
38	JPM	Jpmorgan Chase & Co	Stock-Financials	0.25%	-0.03%	-6.49%
39	ABBV	Abbvie INC	Stock-Healthcare	0.25%	-0.03%	—
40	IVV	Ishares Core S&p 500 ETF	ETF-Large Cap & Growth	0.24%	-0.03%	-22.65%
41	VEU	Vanguard Ftse All-world Ex-u	ETF-Other	0.23%	—	—
42	LLY	Eli Lilly & Co	Stock-Healthcare	0.23%	-0.06%	-14.29%
43	CSX	Csx CORP	Stock-Industrials	0.23%	—	-1.96%
44	XOM	Exxon Mobil CORP	Stock-Energy	0.21%	+0.07%	-0.10%
45	DFIV	Dimensional International Va	ETF-Other	0.21%	—	-5.31%
46	VB	Vanguard Small-cap ETF	ETF-Other	0.21%	—	-44.49%
47	SCHF	Schwab Intl Equity ETF	ETF-Other	0.19%	—	-3.07%
48	IYY	Ishares Dow Jones U.s. ETF	ETF-Other	0.18%	-0.02%	-4.84%
49	GBCI	Glacier Bancorp INC	Stock-Financials	0.18%	—	-11.36%
50	IWB	Ishares Russell 1000 ETF	ETF-Other	0.17%	—	-6.31%

1–50 of 75

Holding changes this quarter

Position changes disclosed by Silver Oak Advisory Group, Inc. for the quarter ending Q4 2025, including ticker, issuer, weight change, shares change, and action
#	Ticker	Issuer	Weight Change	Shares Change	Action
1	VTEI	Vanguard Int Tax-exempt Bond	+0.3%	+13.77%	Add
2	DFAC	Dimensional US Core Equity 2	+0.2%	+0.63%	Add
3	BND	Vanguard Total Bond Market	+0.2%	+1.45%	Add
4	BIV	Vanguard Intermediate-term B	+0.2%	+7.11%	Add
5	DFSU	Dimensional US Sus Core1 ETF	+0.2%	+144.04%	Add
6	VTEB	Vanguard Tax-exempt Bond ETF	+0.1%	+2.93%	Add
7	DFAT	Dimensional US Target Value	+0.1%	+22.75%	Add
8	VGIT	Vanguard Intermediate-term T	+0.1%	+18.85%	Add
9	VSGX	Vanguard Esg Intl Stock ETF	+0.1%	+4.17%	Add
10	VIOV	Vanguard S&p Small-cap 600 V	+0.1%	-0.43%	Trim
11	VTI	Vanguard Total Stock Mkt ETF	+0.1%	-0.55%	Trim
12	NUSC	Nuveen Esg Small-cap ETF	+0.1%	+12.82%	Add
13	VXUS	Vanguard Total Intl Stock	+0.1%	-0.94%	Trim
14	VGSR	Vert Glb Sust Re ETF	0%	+14.02%	Add
15	LLY	Eli Lilly & Co	0%	-14.29%	Trim
16	VGSH	Vanguard Short-term Treasury	0%	+10.51%	Add
17	BSV	Vanguard Short-term Bond ETF	0%	+0.58%	Add
18	VCIT	Vanguard Int-term Corporate	0%	+7.86%	Add
19	VT	Vanguard Tot World Stk ETF	0%	+0.37%	Add
20	DFUV	Dimensional US Marketwide Va	0%	—	Unchanged
21	ESGV	Vanguard Esg US Stock ETF	0%	+0.52%	Add
22	SPY	Ss Spdr S&p 500 ETF Trust-us	0%	+0.82%	Add
23	XOM	Exxon Mobil CORP	0%	-0.10%	Trim
24	WFC	Wells Fargo & Co	0%	-6.00%	Trim
25	JNJ	Johnson & Johnson	0%	—	Unchanged
26	DFUS	Dimensional US Eq Mkt ETF	0%	-3.79%	Trim
27	JPM	Jpmorgan Chase & Co	0%	-6.49%	Trim
28	GOOGL	Alphabet Inc-cl A	0%	-28.07%	Trim
29	GLD	Spdr Gold Shares	0%	-16.86%	Trim
30	VOO	Vanguard S&p 500 ETF	0%	-19.61%	Trim
31	NKE	Nike INC -cl B	0%	—	Unchanged
32	VWO	Vanguard Ftse Emerging Marke	0%	-7.44%	Trim
33	VTIP	Vanguard Short-term Tips	0%	-1.07%	Trim
34	CSCO	Cisco Systems INC	0%	-27.70%	Trim
35	GBCI	Glacier Bancorp INC	0%	-11.36%	Trim
36	NUBD	Nuveen Esg US Aggregate Bond	0%	-2.69%	Trim
37	BNDX	Vanguard Total Intl Bond ETF	0%	+2.08%	Add
38	SCHB	Schwab US Broad Market ETF	0%	-3.57%	Trim
39	IVV	Ishares Core S&p 500 ETF	-0.1%	-22.65%	Trim
40	VNQ	Vanguard Real Estate ETF	-0.1%	+1.12%	Add
41	COST	Costco Wholesale CORP	-0.1%	-20.34%	Trim
42	VB	Vanguard Small-cap ETF	-0.2%	-44.49%	Trim
43	MSFT	Microsoft CORP	-0.3%	-18.83%	Trim
44	AAPL	Apple INC	-0.4%	-35.54%	Trim
45	VV	Vanguard Large-cap ETF	—	EXIT	Sold out
46	AMGN	Amgen INC	—	EXIT	Sold out
47	RTX	Rtx CORP	—	EXIT	Sold out
48	DFAW	Dimensional World Eqty ETF	—	NEW	New buy
49	HD	Home Depot INC	—	EXIT	Sold out
50	MDY	State Street Spdr S&p Midcap	—	NEW	New buy