Baker Boyer National Bank 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

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COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
ACCENTURE PLC CL A	FOREIGN EQUITIES	G1151C101	376,229	1,410	SH		SOLE		1,410	0	0
AT&T INC	COMMON STOCK	00206R102	2,330,875	126,678	SH		SOLE		126,300	0	378
ABBVIE INC	COMMON STOCK	00287Y109	250,169	1,548	SH		SOLE		1,548	0	0
ALPHA ARCHITECT US QUANTITATIVE VALUE ETF	CLOSED END FD/EQ CEF&ETF	02072L102	421,165	13,096	SH		SOLE		13,096	0	0
ALPHA ARCHITECT INTL QUANTITATIVE VALUE ETF	CLOSED END/INTL EQ CEF&ETF	02072L201	298,736	13,641	SH		SOLE		13,641	0	0
ALPHA ARCHITECT INTL QUANTITATIVE MOMENTUM ETF	CLOSED END/INTL EQ CEF&ETF	02072L300	943,040	37,904	SH		SOLE		37,904	0	0
ALPHA ARCHITECT US QUANTITATIVE MOMENTUM ETF	CLOSED END FD/EQ CEF&ETF	02072L409	414,790	9,031	SH		SOLE		9,031	0	0
ALPHABET INC CLASS C	COMMON STOCK	02079K107	1,479,303	16,672	SH		SOLE		16,672	0	0
ALPHABET INC CLASS A	COMMON STOCK	02079K305	1,121,135	12,707	SH		SOLE		12,707	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	210,901	4,615	SH		SOLE		4,615	0	0
AMAZON.COM INC	COMMON STOCK	023135106	1,422,540	16,935	SH		SOLE		16,935	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	235,365	1,593	SH		SOLE		1,593	0	0
APPLE INC	COMMON STOCK	037833100	10,985,955	84,553	SH		SOLE		84,553	0	0
BERKSHIRE HATHAWAY INC DEL CL B	COMMON STOCK	084670702	619,010	2,004	SH		SOLE		2,004	0	0
BOEING COMPANY	COMMON STOCK	097023105	628,609	3,300	SH		SOLE		3,300	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	431,447	1,801	SH		SOLE		1,801	0	0
CENOVUS ENERGY INC	FOREIGN EQUITIES	15135U109	241,800	12,464	SH		SOLE		12,464	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	876,084	4,881	SH		SOLE		4,881	0	0
CISCO SYS INC	COMMON STOCK	17275R102	381,181	8,003	SH		SOLE		8,003	0	0
COMPASS INC CLASS A	COMMON STOCK	20464U100	55,065	23,735	SH		SOLE		23,735	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	326,532	3,426	SH		SOLE		3,426	0	0
COSTCO WHSL CORP NEW	COMMON STOCK	22160K105	2,075,703	4,547	SH		SOLE		4,547	0	0
CUMMINS INC	COMMON STOCK	231021106	599,419	2,474	SH		SOLE		2,474	0	0
DANAHER CORP	COMMON STOCK	235851102	1,223,006	4,608	SH		SOLE		4,608	0	0
DEERE & COMPANY	COMMON STOCK	244199105	2,478,655	5,781	SH		SOLE		5,781	0	0
DIMENSIONAL ETF TRUST INTL CORE ETF	CLOSED END FD/EQ CEF&ETF	25434V203	2,583,525	103,176	SH		SOLE		103,176	0	0
DFA EMERGING MARKETS CORE ETF	CLOSED END/INTL EQ CEF&ETF	25434V302	1,600,526	72,918	SH		SOLE		72,918	0	0
DIMENSIONAL U.S. SMALL CAP ETF	CLOSED END FD/EQ CEF&ETF	25434V500	2,739,050	53,550	SH		SOLE		53,550	0	0
DIMENSIONAL U.S. TARGETED VALUE ETF	CLOSED END FD/EQ CEF&ETF	25434V609	399,022	9,079	SH		SOLE		9,079	0	0
DIMENSIONAL U.S. CORE EQUIT Y II ETF	CLOSED END FD/EQ CEF&ETF	25434V708	39,983,302	1,647,440	SH		SOLE		1,647,440	0	0
DIMENSIONAL US MARKETWIDE VALUE ETF	CLOSED END FD/EQ CEF&ETF	25434V724	19,448,288	581,068	SH		SOLE		581,068	0	0
DIMENSIONAL INTERNATIONAL VALUE ETF	CLOSED END/INTL EQ CEF&ETF	25434V807	8,429,006	277,363	SH		SOLE		277,363	0	0
DIMENSIONAL WORLD EX US CORE EQUITY 2 ETF	CLOSED END/INTL EQ CEF&ETF	25434V880	34,009,003	1,575,224	SH		SOLE		1,575,224	0	0
DUKE ENERGY CORP NEW	COMMON STOCK	26441C204	331,214	3,216	SH		SOLE		3,053	0	163
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	678,119	6,148	SH		SOLE		5,946	0	202
FIDELITY TOTAL BOND ETF	CLOSED END FD/FIX INC CEF&ETF	316188309	12,369,746	274,762	SH		SOLE		274,762	0	0
HEALTH CATALYST INC	COMMON STOCK	42225T107	261,571	24,607	SH		SOLE		24,607	0	0
HOME DEPOT INC COM	COMMON STOCK	437076102	559,053	1,770	SH		SOLE		1,770	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	345,450	1,612	SH		SOLE		1,612	0	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	352,480	1,600	SH		SOLE		1,600	0	0
INTEL CORPORATION COM	COMMON STOCK	458140100	264,403	10,004	SH		SOLE		9,778	0	226
INTERNATIONAL BUSINESS MACHINES CORP COM	COMMON STOCK	459200101	254,022	1,803	SH		SOLE		1,803	0	0
ISHARES RUSSELL 1000 GROWTH INDEX FD ETF	CLOSED END FD/EQ CEF&ETF	464287614	602,014	2,810	SH		SOLE		2,810	0	0
ISHARES NATIONAL MUNI BD ETF	MUTUAL FUND/TX EXPT/CEF & ETF	464288414	328,483	3,113	SH		SOLE		3,113	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	CLOSED END FD/EQ CEF&ETF	46432F396	473,241	3,243	SH		SOLE		3,243	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	46434G103	679,425	14,549	SH		SOLE		14,549	0	0
JP MORGAN HIGH YLD RESEARCH ENHANCED ETF	CLOSED END FD/FIX INC CEF&ETF	46641Q878	381,320	8,698	SH		SOLE		8,698	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	1,520,596	8,608	SH		SOLE		8,506	0	102
KOSMOS ENERGY LTD COM	COMMON STOCK	500688106	136,579	21,475	SH		SOLE		21,475	0	0
MASTERCARD INCORPORATED	COMMON STOCK	57636Q104	363,714	1,046	SH		SOLE		1,046	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	1,432,749	5,437	SH		SOLE		5,437	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	227,555	2,051	SH		SOLE		2,051	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	5,159,476	21,514	SH		SOLE		21,514	0	0
NIKE INC CL B COM	COMMON STOCK	654106103	1,062,447	9,080	SH		SOLE		9,080	0	0
PACCAR INC	COMMON STOCK	693718108	387,859	3,919	SH		SOLE		3,919	0	0
PEPSICO INC COM	COMMON STOCK	713448108	327,353	1,812	SH		SOLE		1,812	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	856,306	5,650	SH		SOLE		5,527	0	123
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	19,702	130	SH		DFND		130	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	322,330	3,194	SH		SOLE		3,088	0	106
SPDR S&P 500 TRUST ETF	CLOSED END FD/EQ CEF&ETF	78462F103	901,363	2,357	SH		SOLE		2,357	0	0
TECHNOLOGY SECTOR INDEX	COMMON STOCK	81369Y803	435,042	3,496	SH		SOLE		3,496	0	0
SOUTHERN CO	COMMON STOCK	842587107	434,397	6,084	SH		SOLE		6,084	0	0
TESLA MOTORS, INC	COMMON STOCK	88160R101	775,903	6,299	SH		SOLE		6,299	0	0
US BANCORP DEL COM NEW	COMMON STOCK	902973304	325,064	7,454	SH		SOLE		7,454	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	420,553	2,031	SH		SOLE		2,031	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	143,499	693	SH		DFND		693	0	0
UNITED PARCEL SERVICE COM	COMMON STOCK	911312106	365,582	2,103	SH		SOLE		2,103	0	0
UNITED HEALTH GROUP INC	COMMON STOCK	91324P102	592,198	1,117	SH		SOLE		1,117	0	0
VALMONT INDUSTRIES, INC.	COMMON STOCK	920253101	424,898	1,285	SH		SOLE		1,285	0	0
VANGUARD TOTAL BOND MARKET ETF	CLOSED END FD/FIX INC CEF&ETF	921937835	565,021	7,865	SH		SOLE		7,865	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	921943858	3,967,717	94,537	SH		SOLE		94,537	0	0
VANGUARD TOTAL INTL BOND ETF	CLOSED END FD/FIX INC CEF&ETF	92203J407	272,864	5,753	SH		SOLE		5,753	0	0
VANGUARD EMERGING MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	922042858	1,011,388	25,953	SH		SOLE		25,953	0	0
VANGUARD TAX EXEMPT BOND ETF	MUTUAL FUND/TX EXPT/CEF & ETF	922907746	47,455,983	958,902	SH		SOLE		958,902	0	0
VANGUARD S&P 500 ETF	CLOSED END FD/EQ CEF&ETF	922908363	1,669,867	4,753	SH		SOLE		4,753	0	0
VANGUARD EXTENDED MARKET INDEX ETF	CLOSED END FD/EQ CEF&ETF	922908652	284,718	2,143	SH		SOLE		2,143	0	0
VANGUARD GROWTH ETF	CLOSED END FD/EQ CEF&ETF	922908736	2,893,394	13,577	SH		SOLE		13,577	0	0
VANGUARD VALUE ETF	CLOSED END FD/EQ CEF&ETF	922908744	4,571,274	32,566	SH		SOLE		32,566	0	0
VANGUARD SMALL CAP ETF	CLOSED END FD/EQ CEF&ETF	922908751	845,384	4,606	SH		SOLE		4,606	0	0
WARNER BROS DISCOVERY INC	COMMON STOCK	934423104	232,069	24,480	SH		SOLE		24,480	0	0
WASTE MANAGEMENT INC NEW	COMMON STOCK	94106L109	295,718	1,885	SH		SOLE		1,885	0	0