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	435,082	1,410	SH		SOLE		1,410	0	0
AT&T INC	COMMON STOCK	00206R102	832,446	52,191	SH		SOLE		51,813	0	378
ABBVIE INC	COMMON STOCK	00287Y109	208,559	1,548	SH		SOLE		1,548	0	0
ALPHA ARCHITECT US QUANTITATIVE VALUE ETF	CLOSED END FD/EQ CEF&ETF	02072L102	456,930	13,210	SH		SOLE		13,167	0	43
ALPHA ARCHITECT INTL QUANTITATIVE VALUE ETF	CLOSED END/INTL EQ CEF&ETF	02072L201	328,086	13,791	SH		SOLE		13,734	0	57
ALPHA ARCHITECT INTL QUANTITATIVE MOMENTUM ETF	CLOSED END/INTL EQ CEF&ETF	02072L300	1,244,471	48,236	SH		SOLE		48,194	0	42
ALPHA ARCHITECT US QUANTITATIVE MOMENTUM ETF	CLOSED END FD/EQ CEF&ETF	02072L409	425,103	9,150	SH		SOLE		9,123	0	27
ALPHABET INC CLASS C	COMMON STOCK	02079K107	1,003,078	8,292	SH		SOLE		8,292	0	0
ALPHABET INC CLASS A	COMMON STOCK	02079K305	472,096	3,944	SH		SOLE		3,944	0	0
ALTRIA GROUP INC	COMMON STOCK	02209S103	209,008	4,615	SH		SOLE		4,615	0	0
AMAZON.COM INC	COMMON STOCK	023135106	383,123	2,939	SH		SOLE		2,939	0	0
AMERICAN EXPRESS CO	COMMON STOCK	025816109	277,500	1,593	SH		SOLE		1,593	0	0
APPLE INC	COMMON STOCK	037833100	12,602,019	64,969	SH		SOLE		64,969	0	0
BERKSHIRE HATHAWAY INC DEL CL B	COMMON STOCK	084670702	747,813	2,193	SH		SOLE		2,193	0	0
BOEING COMPANY	COMMON STOCK	097023105	688,376	3,260	SH		SOLE		3,260	0	0
CATERPILLAR INC COM	COMMON STOCK	149123101	443,134	1,801	SH		SOLE		1,801	0	0
CENOVUS ENERGY INC	FOREIGN EQUITIES	15135U109	254,158	14,977	SH		SOLE		14,977	0	0
CHEVRON CORPORATION	COMMON STOCK	166764100	997,278	6,338	SH		SOLE		6,338	0	0
CISCO SYS INC	COMMON STOCK	17275R102	416,244	8,045	SH		SOLE		8,045	0	0
COMPASS INC CLASS A	COMMON STOCK	20464U100	83,072	23,735	SH		SOLE		23,735	0	0
CONSOLIDATED EDISON INC COM	COMMON STOCK	209115104	309,710	3,426	SH		SOLE		3,426	0	0
COSTCO WHSL CORP NEW	COMMON STOCK	22160K105	1,708,813	3,174	SH		SOLE		3,174	0	0
CUMMINS INC	COMMON STOCK	231021106	606,522	2,474	SH		SOLE		2,474	0	0
DANAHER CORP	COMMON STOCK	235851102	1,105,920	4,608	SH		SOLE		4,608	0	0
DEERE & COMPANY	COMMON STOCK	244199105	2,191,260	5,408	SH		SOLE		5,408	0	0
DIMENSIONAL ETF TRUST INTL CORE ETF	CLOSED END FD/EQ CEF&ETF	25434V203	4,546,292	166,470	SH		SOLE		166,423	0	47
DFA EMERGING MARKETS CORE ETF	CLOSED END/INTL EQ CEF&ETF	25434V302	2,284,592	97,425	SH		SOLE		97,326	0	99
DIMENSIONAL U.S. SMALL CAP ETF	CLOSED END FD/EQ CEF&ETF	25434V500	2,776,451	50,675	SH		SOLE		50,675	0	0
DIMENSIONAL U.S. TARGETED VALUE ETF	CLOSED END FD/EQ CEF&ETF	25434V609	421,084	9,079	SH		SOLE		9,079	0	0
DIMENSIONAL U.S. CORE EQUIT Y II ETF	CLOSED END FD/EQ CEF&ETF	25434V708	51,476,856	1,896,718	SH		SOLE		1,896,607	0	111
DIMENSIONAL US MARKETWIDE VALUE ETF	CLOSED END FD/EQ CEF&ETF	25434V724	19,565,438	567,115	SH		SOLE		567,115	0	0
DIMENSIONAL INTERNATIONAL VALUE ETF	CLOSED END/INTL EQ CEF&ETF	25434V807	8,870,584	270,117	SH		SOLE		270,117	0	0
DIMENSIONAL WORLD EX US CORE EQUITY 2 ETF	CLOSED END/INTL EQ CEF&ETF	25434V880	36,553,487	1,568,822	SH		SOLE		1,568,822	0	0
DUKE ENERGY CORP NEW	COMMON STOCK	26441C204	288,602	3,216	SH		SOLE		3,053	0	163
EXXON MOBIL CORP COM	COMMON STOCK	30231G102	654,754	6,105	SH		SOLE		5,903	0	202
FIDELITY TOTAL BOND ETF	CLOSED END FD/FIX INC CEF&ETF	316188309	13,388,237	294,831	SH		SOLE		294,831	0	0
HEALTH CATALYST INC	COMMON STOCK	42225T107	307,587	24,607	SH		SOLE		24,607	0	0
HOME DEPOT INC COM	COMMON STOCK	437076102	535,835	1,725	SH		SOLE		1,725	0	0
HONEYWELL INTL INC COM	COMMON STOCK	438516106	334,489	1,612	SH		SOLE		1,612	0	0
ILLINOIS TOOL WKS INC COM	COMMON STOCK	452308109	400,256	1,600	SH		SOLE		1,600	0	0
INTEL CORPORATION COM	COMMON STOCK	458140100	320,390	9,584	SH		SOLE		9,358	0	226
INTERNATIONAL BUSINESS MACHINES CORP COM	COMMON STOCK	459200101	471,677	3,525	SH		SOLE		3,525	0	0
ISHARES RUSSELL 1000 GROWTH INDEX FD ETF	CLOSED END FD/EQ CEF&ETF	464287614	773,227	2,810	SH		SOLE		2,810	0	0
ISHARES NATIONAL MUNI BD ETF	MUTUAL FUND/TX EXPT/CEF & ETF	464288414	332,250	3,113	SH		SOLE		3,113	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	CLOSED END FD/EQ CEF&ETF	46432F396	475,009	3,293	SH		SOLE		3,293	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	46434G103	731,298	14,837	SH		SOLE		14,837	0	0
JP MORGAN HIGH YLD RESEARCH ENHANCED ETF	CLOSED END FD/FIX INC CEF&ETF	46641Q878	388,017	8,698	SH		SOLE		8,698	0	0
JOHNSON & JOHNSON COM	COMMON STOCK	478160104	1,398,967	8,452	SH		SOLE		8,350	0	102
KEYCORP NEW COM	COMMON STOCK	493267108	471,240	51,000	SH		SOLE		51,000	0	0
KOSMOS ENERGY LTD COM	COMMON STOCK	500688106	158,834	26,517	SH		SOLE		26,517	0	0
MASTERCARD INCORPORATED	COMMON STOCK	57636Q104	390,536	993	SH		SOLE		993	0	0
MCDONALDS CORP COM	COMMON STOCK	580135101	1,252,382	4,197	SH		SOLE		4,197	0	0
MERCK & CO INC NEW	COMMON STOCK	58933Y105	248,199	2,151	SH		SOLE		2,151	0	0
MICROSOFT CORP COM	COMMON STOCK	594918104	8,679,076	25,487	SH		SOLE		25,487	0	0
NEXTERA ENERGY, INC	COMMON STOCK	65339F101	293,608	3,957	SH		SOLE		3,957	0	0
NIKE INC CL B COM	COMMON STOCK	654106103	980,081	8,880	SH		SOLE		8,880	0	0
PACCAR INC	COMMON STOCK	693718108	516,620	6,176	SH		SOLE		6,176	0	0
PEPSICO INC COM	COMMON STOCK	713448108	332,651	1,796	SH		SOLE		1,796	0	0
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	829,555	5,467	SH		SOLE		5,344	0	123
PROCTER & GAMBLE CO COM	COMMON STOCK	742718109	19,726	130	SH		DFND		130	0	0
RAYTHEON TECHNOLOGIES CORP	COMMON STOCK	75513E101	312,878	3,194	SH		SOLE		3,088	0	106
RITE AID CORP	COMMON STOCK	767754872	25,032	16,688	SH		SOLE		16,688	0	0
SPDR S&P 500 TRUST ETF	CLOSED END FD/EQ CEF&ETF	78462F103	1,031,045	2,326	SH		SOLE		2,326	0	0
TECHNOLOGY SECTOR INDEX	COMMON STOCK	81369Y803	434,997	2,502	SH		SOLE		2,502	0	0
SOUTHERN CO	COMMON STOCK	842587107	427,398	6,084	SH		SOLE		6,084	0	0
TESLA MOTORS, INC	COMMON STOCK	88160R101	1,298,059	4,959	SH		SOLE		4,959	0	0
US BANCORP DEL COM NEW	COMMON STOCK	902973304	379,362	11,482	SH		SOLE		11,482	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	415,577	2,031	SH		SOLE		2,031	0	0
UNION PAC CORP COM	COMMON STOCK	907818108	140,369	686	SH		DFND		686	0	0
UNITED PARCEL SERVICE COM	COMMON STOCK	911312106	277,297	1,547	SH		SOLE		1,547	0	0
UNITED HEALTH GROUP INC	COMMON STOCK	91324P102	562,346	1,170	SH		SOLE		1,170	0	0
VALMONT INDUSTRIES, INC.	COMMON STOCK	920253101	373,986	1,285	SH		SOLE		1,285	0	0
VANGUARD TOTAL BOND MARKET ETF	CLOSED END FD/FIX INC CEF&ETF	921937835	1,335,315	18,370	SH		SOLE		18,370	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	921943858	2,701,298	58,495	SH		SOLE		58,495	0	0
VANGUARD TOTAL INTL BOND ETF	CLOSED END FD/FIX INC CEF&ETF	92203J407	728,214	14,898	SH		SOLE		14,898	0	0
VANGUARD EMERGING MARKETS ETF	CLOSED END/INTL EQ CEF&ETF	922042858	683,464	16,801	SH		SOLE		16,801	0	0
VANGUARD INTERMEDIATE TERM TREASURY ETF	CLOSED END FD/FIX INC CEF&ETF	92206C706	4,978,462	84,885	SH		SOLE		84,885	0	0
VANGUARD TAX EXEMPT BOND ETF	MUTUAL FUND/TX EXPT/CEF & ETF	922907746	55,968,407	1,114,466	SH		SOLE		1,114,466	0	0
VANGUARD S&P 500 ETF	CLOSED END FD/EQ CEF&ETF	922908363	1,513,005	3,715	SH		SOLE		3,715	0	0
VANGUARD EXTENDED MARKET INDEX ETF	CLOSED END FD/EQ CEF&ETF	922908652	318,942	2,143	SH		SOLE		2,143	0	0
VANGUARD GROWTH ETF	CLOSED END FD/EQ CEF&ETF	922908736	2,086,756	7,375	SH		SOLE		7,375	0	0
VANGUARD VALUE ETF	CLOSED END FD/EQ CEF&ETF	922908744	3,359,233	23,640	SH		SOLE		23,640	0	0
VANGUARD SMALL CAP ETF	CLOSED END FD/EQ CEF&ETF	922908751	546,350	2,747	SH		SOLE		2,747	0	0
WARNER BROS DISCOVERY INC	COMMON STOCK	934423104	308,519	24,603	SH		SOLE		24,603	0	0
WASTE MANAGEMENT INC NEW	COMMON STOCK	94106L109	343,197	1,979	SH		SOLE		1,979	0	0