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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co COM 88579Y101   295,227 2,889 SH   DFND   0 0 2,889
3M Co COM 88579Y101   244,132 2,389 SH   SOLE   2,389 0 0
ADVANCED MICRO DEV COM 007903107   13,788 85 SH   DFND   0 0 85
ADVANCED MICRO DEV COM 007903107   28,387 175 SH   SOLE   175 0 0
AGILENT TECHS INC COM 00846U101   81,667 630 SH   DFND   478 0 152
AGILENT TECHS INC COM 00846U101   163,334 1,260 SH   SOLE   1,260 0 0
ALBEMARLE CORP COM 012653101   198,395 2,077 SH   DFND   0 0 2,077
ALBEMARLE CORP COM 012653101   16,716 175 SH   SOLE   175 0 0
ALCON AG ORD SHS H01301128   19,598 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305   327,870 1,800 SH   DFND   100 0 1,700
ALPHABET INC CAP STK CL A 02079K305   13,219,536 72,575 SH   SOLE   70,048 0 2,527
ALTRIA GROUP INC COM 02209S103   198,234 4,352 SH   DFND   0 0 4,352
ALTRIA GROUP INC COM 02209S103   110,231 2,420 SH   SOLE   2,420 0 0
AMER EXPRESS CO COM 025816109   416,790 1,800 SH   DFND   0 0 1,800
AMER EXPRESS CO COM 025816109   327,875 1,416 SH   SOLE   391 0 1,025
AMER INTL GRP COM NEW 026874784   14,477 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784   161,398 2,174 SH   SOLE   2,174 0 0
ANALOG DEVICES INC COM 032654105   22,598 99 SH   SOLE   99 0 0
APA Corp COM 03743Q108   61,883 2,102 SH   DFND   0 0 2,102
APPLIED MATERIALS COM 038222105   11,800 50 SH   SOLE   50 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210   20,455 20 SH   SOLE   20 0 0
AT&T INC COM 00206R102   565,331 29,583 SH   DFND   2,700 0 26,883
AT&T INC COM 00206R102   475,667 24,891 SH   SOLE   24,891 0 0
AUTOMATIC DATA PROCESSING COM 053015103   1,538,596 6,446 SH   DFND   161 0 6,285
AUTOMATIC DATA PROCESSING COM 053015103   1,100,122 4,609 SH   SOLE   3,379 0 1,230
AUTOZONE INC COM 053332102   326,051 110 SH   DFND   0 0 110
AbbVie Inc COM 00287Y109   4,602,911 26,836 SH   DFND   0 0 26,836
AbbVie Inc COM 00287Y109   1,679,009 9,789 SH   SOLE   9,789 0 0
Abbott Laboratories COM 002824100   2,511,297 24,168 SH   DFND   150 0 24,018
Abbott Laboratories COM 002824100   8,058,636 77,554 SH   SOLE   76,407 0 1,147
Accenture PLC SHS CLASS A G1151C101   82,831 273 SH   DFND   20 0 253
Accenture PLC SHS CLASS A G1151C101   5,230,485 17,239 SH   SOLE   16,522 0 717
Adobe Inc COM 00724F101   227,216 409 SH   DFND   9 0 400
Adobe Inc COM 00724F101   6,800,921 12,242 SH   SOLE   11,752 0 490
Aflac Inc COM 001055102   172,636 1,933 SH   SOLE   1,933 0 0
Air Products and Chemicals Inc COM 009158106   533,131 2,066 SH   DFND   0 0 2,066
Air Products and Chemicals Inc COM 009158106   45,159 175 SH   SOLE   175 0 0
Alcoa Corp COM 013872106   79,560 2,000 SH   DFND   0 0 2,000
Allstate Corp/The COM 020002101   7,025 44 SH   DFND   0 0 44
Allstate Corp/The COM 020002101   2,076 13 SH   SOLE   13 0 0
Alphabet Inc CAP STK CL C 02079K107   550 3 SH   DFND   0 0 3
Alphabet Inc CAP STK CL C 02079K107   785,038 4,280 SH   SOLE   4,280 0 0
Amazon.com Inc COM 023135106   386,307 1,999 SH   DFND   1,840 0 159
Amazon.com Inc COM 023135106   13,838,439 71,609 SH   SOLE   68,050 0 3,559
American Airlines Group Inc COM 02376R102   8,894 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101   95,286 1,086 SH   DFND   0 0 1,086
American Electric Power Co Inc COM 025537101   2,194 25 SH   SOLE   25 0 0
American Software Inc/GA CL A 029683109   10,956 1,200 SH   DFND   1,200 0 0
American Tower Corp COM 03027X100   126,347 650 SH   DFND   650 0 0
American Tower Corp COM 03027X100   2,527 13 SH   SOLE   13 0 0
American Water Works Co Inc COM 030420103   103,586 802 SH   DFND   0 0 802
American Water Works Co Inc COM 030420103   3,241,529 25,097 SH   SOLE   25,097 0 0
Ameriprise Financial Inc COM 03076C106   67,923 159 SH   DFND   0 0 159
Amgen Inc COM 031162100   28,433 91 SH   DFND   27 0 64
Amgen Inc COM 031162100   10,025,896 32,088 SH   SOLE   30,613 0 1,475
Amphenol Corp CL A 032095101   7,815 116 SH   SOLE   116 0 0
Annaly Capital Management Inc COM NEW 035710839   9,530 500 SH   DFND   0 0 500
Apple Inc COM 037833100   3,883,201 18,437 SH   DFND   5,138 0 13,299
Apple Inc COM 037833100   40,880,921 194,098 SH   SOLE   184,346 0 9,752
Aptiv PLC SHS G6095L109   7,042 100 SH   DFND   100 0 0
ArcBest Corp COM 03937C105   2,677 25 SH   DFND   0 0 25
Archer-Daniels-Midland Co COM 039483102   22,608 374 SH   SOLE   374 0 0
Arthur J Gallagher & Co COM 363576109   294,058 1,134 SH   DFND   43 0 1,091
Arthur J Gallagher & Co COM 363576109   13,049,776 50,325 SH   SOLE   49,652 0 673
Ashland Inc COM 044186104   325,235 3,442 SH   DFND   0 0 3,442
AstraZeneca PLC SPONSORED ADR 046353108   194,975 2,500 SH   DFND   0 0 2,500
Atmos Energy Corp COM 049560105   87,488 750 SH   DFND   0 0 750
Autoliv Inc COM 052800109   642 6 SH   DFND   0 0 6
Azenta Inc COM 114340102   31,572 600 SH   DFND   600 0 0
BAXTER INTL INC COM 071813109   43,485 1,300 SH   DFND   200 0 1,100
BCE Inc COM NEW 05534B760   12,948 400 SH   DFND   400 0 0
BCE Inc COM NEW 05534B760   3,185,629 98,413 SH   SOLE   98,413 0 0
BECTON DICKINSON COM 075887109   24,306 104 SH   SOLE   104 0 0
BEST BUY CO INC COM 086516101   88,505 1,050 SH   DFND   0 0 1,050
BK OF AMERICA CORP COM 060505104   251,028 6,312 SH   DFND   0 0 6,312
BK OF AMERICA CORP COM 060505104   40,247 1,012 SH   SOLE   1,012 0 0
BK OF MONTREAL COM 063671101   83,850 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107   59,436 1,300 SH   DFND   0 0 1,300
BK OF NY MELLON CP COM 064058100   179,071 2,990 SH   DFND   0 0 2,990
BLACKROCK FUND ADVISORS HDG MSCI EAFE 46434V803   11,555 325 SH   SOLE   325 0 0
BOEING CO COM 097023105   126,497 695 SH   DFND   0 0 695
BOEING CO COM 097023105   25,299 139 SH   SOLE   139 0 0
BP PLC SPONSORED ADR 055622104   10,397 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104   43,320 1,200 SH   SOLE   1,200 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103   650 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108   108,186 2,605 SH   DFND   300 0 2,305
BRISTOL-MYRS SQUIB COM 110122108   313,053 7,538 SH   SOLE   7,538 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   3,093 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   11,351 367 SH   SOLE   367 0 0
Bar Harbor Bankshares COM 066849100   44,352 1,650 SH   DFND   0 0 1,650
Bausch Health Cos Inc COM 071734107   4,391 630 SH   SOLE   630 0 0
Beam Global COM 07373B109   23 5 SH   DFND   0 0 5
Berkshire Hathaway Inc CL B NEW 084670702   15,052 37 SH   DFND   30 0 7
Berkshire Hathaway Inc CL B NEW 084670702   8,361,367 20,554 SH   SOLE   18,871 0 1,683
Beyond Meat Inc COM 08862E109   570 85 SH   DFND   0 0 85
Biogen Inc COM 09062X103   18,777 81 SH   SOLE   81 0 0
Black Hills Corp COM 092113109   21,752 400 SH   DFND   400 0 0
BlackRock ETF Trust US EQT FACTOR 09290C103   38,679 824 SH   SOLE   824 0 0
BlackRock Fund Advisors FLEXIBLE INCOME 092528603   13,833 265 SH   SOLE   265 0 0
BlackRock Fund Advisors MSCI JAPN SMCETF 464286582   26,624 375 SH   DFND   375 0 0
BlackRock Fund Advisors CORE S&P TTL STK 464287150   603,402 5,080 SH   DFND   0 0 5,080
BlackRock Fund Advisors CORE US AGGBD ET 464287226   408,082 4,204 SH   DFND   0 0 4,204
BlackRock Fund Advisors CORE US AGGBD ET 464287226   19,802 204 SH   SOLE   204 0 0
BlackRock Fund Advisors NORTH AMERN NAT 464287374   176,000 4,000 SH   DFND   4,000 0 0
BlackRock Fund Advisors 20 YR TR BD ETF 464287432   15,694 171 SH   SOLE   171 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   70,497 900 SH   DFND   0 0 900
BlackRock Fund Advisors MSCI EAFE ETF 464287465   1,180,590 15,072 SH   SOLE   15,072 0 0
BlackRock Fund Advisors RUS MD CP GR ETF 464287481   44,140 400 SH   DFND   400 0 0
BlackRock Fund Advisors RUS MD CP GR ETF 464287481   113,329 1,027 SH   SOLE   1,027 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   558,074 6,883 SH   SOLE   6,883 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   1,660,505 28,375 SH   DFND   550 0 27,825
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   17,247,014 294,720 SH   SOLE   269,485 0 25,235
BlackRock Fund Advisors US DIGITAL INFRA 464287531   14,093 200 SH   DFND   200 0 0
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   181,947 2,065 SH   DFND   0 0 2,065
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   246,091 2,793 SH   SOLE   2,793 0 0
BlackRock Fund Advisors RUS 1000 ETF 464287622   29,754 100 SH   DFND   100 0 0
BlackRock Fund Advisors RUS 1000 ETF 464287622   86,584 291 SH   SOLE   291 0 0
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648   849,022 3,234 SH   DFND   125 0 3,109
BlackRock Fund Advisors RUS 2000 GRW ETF 464287648   1,829,572 6,969 SH   SOLE   2,287 0 4,682
BlackRock Fund Advisors CORE S&P US VLU 464287663   430,339 4,883 SH   SOLE   4,883 0 0
BlackRock Fund Advisors RUSSELL 3000 ETF 464287689   30,867 100 SH   DFND   100 0 0
BlackRock Fund Advisors RUSSELL 3000 ETF 464287689   157,422 510 SH   SOLE   510 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   9,984 88 SH   SOLE   88 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   247,131 2,317 SH   DFND   1,400 0 917
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   817,869 7,668 SH   SOLE   7,068 0 600
BlackRock Fund Advisors US CONSM STAPLES 464287812   152,869 2,325 SH   SOLE   2,325 0 0
BlackRock Fund Advisors DOW JONES US ETF 464287846   39,693 300 SH   SOLE   300 0 0
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   2,229,633 21,326 SH   SOLE   21,326 0 0
BlackRock Fund Advisors EAFE SML CP ETF 464288273   80,687 1,309 SH   DFND   1,300 0 9
BlackRock Fund Advisors EAFE SML CP ETF 464288273   16,088 261 SH   SOLE   261 0 0
BlackRock Fund Advisors JPMORGAN USD EMG 464288281   8,317 94 SH   SOLE   94 0 0
BlackRock Fund Advisors MBS ETF 464288588   33,143 361 SH   SOLE   361 0 0
BlackRock Fund Advisors MRGSTR SM CP GR 464288604   88,413 1,944 SH   DFND   0 0 1,944
BlackRock Fund Advisors 3 7 YR TREAS BD 464288661   18,129 157 SH   DFND   0 0 157
BlackRock Fund Advisors GLOB UTILITS ETF 464288711   14,968 250 SH   DFND   250 0 0
BlackRock Fund Advisors MSCI USA ESG SLC 464288802   9,198,046 81,855 SH   SOLE   81,422 0 433
BlackRock Fund Advisors EAFE GRWTH ETF 464288885   22,404 219 SH   SOLE   219 0 0
BlackRock Fund Advisors RUS TP200 GR ETF 464289438   21,452 100 SH   DFND   100 0 0
BlackRock Fund Advisors RUS TOP 200 ETF 464289446   405,601 3,028 SH   DFND   2,187 0 841
BlackRock Fund Advisors RUS TOP 200 ETF 464289446   123,755,066 923,890 SH   SOLE   922,893 0 997
BlackRock Fund Advisors INDIA 50 ETF 464289529   21,464 400 SH   DFND   400 0 0
BlackRock Fund Advisors GRWT ALLOCAT ETF 464289867   4,111 73 SH   SOLE   73 0 0
BlackRock Fund Advisors US TREAS BD ETF 46429B267   3,160 140 SH   DFND   0 0 140
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   42,400 505 SH   DFND   54 0 451
BlackRock Fund Advisors MSCI USA MIN VOL 46429B697   4,280,701 50,985 SH   SOLE   50,446 0 539
BlackRock Fund Advisors 0-5 YR TIPS ETF 46429B747   13,033 131 SH   SOLE   131 0 0
BlackRock Fund Advisors MSCI USA QLT FCT 46432F339   40,641 238 SH   SOLE   238 0 0
BlackRock Fund Advisors MSCI USA VALUE 46432F388   13,243 128 SH   SOLE   128 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   286,278 5,348 SH   DFND   0 0 5,348
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   335,740 6,272 SH   SOLE   5,673 0 599
BlackRock Fund Advisors MSCI EMRG CHN 46434G764   11,485 194 SH   SOLE   194 0 0
BlackRock Fund Advisors MSCI SINGPOR ETF 46434G780   19,200 1,000 SH   DFND   1,000 0 0
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   27,296 400 SH   DFND   400 0 0
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863   43,220 1,289 SH   SOLE   1,289 0 0
BlackRock Fund Advisors CORE TOTAL USD 46434V613   121,416 2,685 SH   SOLE   2,685 0 0
BlackRock Fund Advisors US INFRASTRUC 46435U713   5,349 127 SH   SOLE   127 0 0
BlackRock Funds/Closed-End/USA COM 09255C106   146,627 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101   181,084 230 SH   DFND   78 0 152
BlackRock Inc COM 09247X101   8,585,725 10,905 SH   SOLE   10,804 0 101
Blackstone Inc COM 09260D107   185,700 1,500 SH   SOLE   1,500 0 0
Block Inc CL A 852234103   967 15 SH   DFND   0 0 15
Booking Holdings Inc COM 09857L108   269,382 68 SH   SOLE   38 0 30
Boston Properties Inc COM 101121101   3,078 50 SH   SOLE   50 0 0
Boston Scientific Corp COM 101137107   726,127 9,429 SH   SOLE   9,429 0 0
Broadcom Inc COM 11135F101   136,470 85 SH   DFND   85 0 0
Broadcom Inc COM 11135F101   48,166 30 SH   SOLE   30 0 0
Broadstone Net Lease Inc COM 11135E203   1,843,951 116,191 SH   SOLE   116,191 0 0
CARRIER GLOBAL CORP COM 14448C104   14,824 235 SH   DFND   0 0 235
CARRIER GLOBAL CORP COM 14448C104   24,223 384 SH   SOLE   384 0 0
CDN NATL RAILWAYS COM 136375102   23,626 200 SH   SOLE   200 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706   12,058 454 SH   SOLE   454 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   62,208 800 SH   DFND   800 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   12,286 158 SH   SOLE   158 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   8,738 168 SH   DFND   0 0 168
CHUBB LIMITED COM COM H1467J104   48,210 189 SH   SOLE   189 0 0
CIBC COM 136069101   95,080 2,000 SH   DFND   0 0 2,000
CISCO SYSTEMS COM 17275R102   827,197 17,411 SH   DFND   3,286 0 14,125
CISCO SYSTEMS COM 17275R102   10,616,300 223,454 SH   SOLE   213,087 0 10,367
CME Group Inc COM 12572Q105   19,660 100 SH   SOLE   100 0 0
COGNIZANT TECHNOLO CL A 192446102   8,840 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102   182,852 2,689 SH   SOLE   639 0 2,050
COLGATE-PALMOLIVE COM 194162103   456,088 4,700 SH   SOLE   4,700 0 0
CONAGRA FOODS INC COM 205887102   68,208 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102   9,748 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104   178,204 1,558 SH   DFND   0 0 1,558
CONOCOPHILLIPS COM 20825C104   220,868 1,931 SH   SOLE   1,931 0 0
CORNING INC COM 219350105   645,532 16,616 SH   DFND   2,600 0 14,016
CORNING INC COM 219350105   517,288 13,315 SH   SOLE   13,315 0 0
CRANE HOLDINGS CO COM 224441105   5,528 90 SH   DFND   0 0 90
CVS Health Corp COM 126650100   307,112 5,200 SH   DFND   0 0 5,200
CVS Health Corp COM 126650100   37,680 638 SH   SOLE   638 0 0
Campbell Soup Co COM 134429109   452 10 SH   DFND   0 0 10
Cantaloupe Inc COM 138103106   5,973 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105   126,128 911 SH   DFND   0 0 911
Cardinal Health Inc COM 14149Y108   196,050 1,994 SH   SOLE   204 0 1,790
Carpenter Technology Corp COM 144285103   881,900 8,048 SH   SOLE   8,048 0 0
Casella Waste Systems Inc CL A 147448104   3,145,671 31,704 SH   SOLE   31,704 0 0
Caterpillar Inc COM 149123101   600,912 1,804 SH   DFND   1,004 0 800
Caterpillar Inc COM 149123101   154,892 465 SH   SOLE   465 0 0
Cencora Inc COM 03073E105   113,551 504 SH   SOLE   504 0 0
Cenovus Energy Inc COM 15135U109   28,940 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105   166 110 SH   DFND   0 0 110
Charles Schwab Corp/The COM 808513105   320,773 4,353 SH   SOLE   4,353 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102   817,184 12,998 SH   DFND   0 0 12,998
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   5,076 79 SH   SOLE   79 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   1,234 26 SH   SOLE   26 0 0
Charles Schwab Investment Management Inc SCHWB FDT INT LG 808524755   81,900 2,338 SH   SOLE   2,338 0 0
Charles Schwab Investment Management Inc INTL EQTY ETF 808524805   1,767 46 SH   SOLE   46 0 0
Charles Schwab Investment Management Inc US AGGREGATE B 808524839   1,094 24 SH   SOLE   24 0 0
Charter Communications Inc CL A 16119P108   3,588 12 SH   SOLE   12 0 0
Chemed Corp COM 16359R103   168,200 310 SH   SOLE   310 0 0
Chemours Co/The COM 163851108   5,507 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108   451 20 SH   SOLE   20 0 0
Chevron Corp COM 166764100   727,666 4,652 SH   DFND   0 0 4,652
Chevron Corp COM 166764100   899,415 5,750 SH   SOLE   5,100 0 650
Chewy Inc CL A 16679L109   284,358 10,439 SH   DFND   0 0 10,439
Chipotle Mexican Grill Inc COM 169656105   9,398 150 SH   SOLE   150 0 0
Church & Dwight Co Inc COM 171340102   199,688 1,926 SH   SOLE   1,926 0 0
Churchill Downs Inc COM 171484108   1,396 10 SH   DFND   0 0 10
Cigna Group/The COM 125523100   24,132 73 SH   DFND   0 0 73
Cigna Group/The COM 125523100   650,231 1,967 SH   SOLE   1,967 0 0
Citigroup Inc COM NEW 172967424   20,751 327 SH   DFND   0 0 327
Clorox Co/The COM 189054109   660,515 4,840 SH   DFND   701 0 4,139
Clorox Co/The COM 189054109   19,515 143 SH   SOLE   143 0 0
Coca-Cola Co/The COM 191216100   1,047,743 16,461 SH   DFND   0 0 16,461
Coca-Cola Co/The COM 191216100   1,580,620 24,833 SH   SOLE   24,833 0 0
Cohu Inc COM 192576106   4,402 133 SH   SOLE   133 0 0
Comcast Corp CL A 20030N101   161,418 4,122 SH   DFND   0 0 4,122
Comcast Corp CL A 20030N101   213,892 5,462 SH   SOLE   5,462 0 0
Consolidated Edison Inc COM 209115104   114,726 1,283 SH   DFND   0 0 1,283
Constellation Brands Inc CL A 21036P108   622,618 2,420 SH   SOLE   2,420 0 0
Constellation Energy Corp COM 21037T109   37,250 186 SH   DFND   0 0 186
Constellium SE CL A SHS F21107101   3,770 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104   1,133 21 SH   DFND   0 0 21
Corteva Inc COM 22052L104   2,265 42 SH   SOLE   42 0 0
Costco Wholesale Corp COM 22160K105   831,290 978 SH   DFND   454 0 524
Costco Wholesale Corp COM 22160K105   11,313,367 13,310 SH   SOLE   12,698 0 612
Crane Co COMMON STOCK 224408104   13,048 90 SH   DFND   0 0 90
Crown Castle Inc COM 22822V101   202,825 2,076 SH   DFND   0 0 2,076
DEERE & CO COM 244199105   730,820 1,956 SH   DFND   0 0 1,956
DIAGEO SPON ADR NEW 25243Q205   63,040 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108   196,215 1,500 SH   DFND   0 0 1,500
DOMINION RES(VIR) COM 25746U109   123,480 2,520 SH   DFND   300 0 2,220
DOMINION RES(VIR) COM 25746U109   58,800 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP COM NEW 26441C204   274,029 2,734 SH   DFND   72 0 2,662
DUKE ENERGY CORP COM NEW 26441C204   8,149,501 81,308 SH   SOLE   80,549 0 759
Dana Inc COM 235825205   25,452 2,100 SH   DFND   2,100 0 0
Danaher Corp COM 235851102   28,483 114 SH   DFND   22 0 92
Danaher Corp COM 235851102   8,457,173 33,849 SH   SOLE   32,004 0 1,845
Darden Restaurants Inc COM 237194105   15,737 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105   30,869 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202   10,895 79 SH   SOLE   79 0 0
Delta Air Lines Inc COM NEW 247361702   184,020 3,879 SH   DFND   0 0 3,879
Dick's Sporting Goods Inc COM 253393102   300,790 1,400 SH   DFND   0 0 1,400
Douglas Dynamics Inc COM 25960R105   46,800 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103   124,455 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103   23,448 442 SH   SOLE   442 0 0
DuPont de Nemours Inc COM 26614N102   7,727 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102   3,381 42 SH   SOLE   42 0 0
ECOLAB INC COM 278865100   225,386 947 SH   SOLE   947 0 0
EMERSON ELECTRIC COM 291011104   743,250 6,747 SH   DFND   1,700 0 5,047
EMERSON ELECTRIC COM 291011104   1,225,530 11,125 SH   SOLE   11,125 0 0
EOG Resources Inc COM 26875P101   141,604 1,125 SH   DFND   0 0 1,125
EOG Resources Inc COM 26875P101   4,405 35 SH   SOLE   35 0 0
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707   551 10 SH   DFND   0 0 10
EXELON CORP COM 30161N101   115,874 3,348 SH   DFND   0 0 3,348
EXELON CORP COM 30161N101   9,829 284 SH   SOLE   284 0 0
Eaton Corp PLC SHS G29183103   950,370 3,031 SH   DFND   800 0 2,231
Elevance Health Inc COM 036752103   31,970 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108   1,495,688 1,652 SH   DFND   30 0 1,622
Eli Lilly & Co COM 532457108   26,915,137 29,728 SH   SOLE   29,070 0 658
Embecta Corp COMMON STOCK 29082K105   263 21 SH   SOLE   21 0 0
Energy Transfer LP COM UT LTD PTN 29273V100   202,750 12,500 SH   DFND   0 0 12,500
Entergy Corp COM 29364G103   128,400 1,200 SH   DFND   0 0 1,200
Essential Utilities Inc COM 29670G102   51,702 1,385 SH   SOLE   1,385 0 0
Etsy Inc COM 29786A106   29,490 500 SH   DFND   0 0 500
Eversource Energy COM 30040W108   4,253 75 SH   DFND   0 0 75
Extra Space Storage Inc COM 30225T102   101,017 650 SH   DFND   0 0 650
Exxon Mobil Corp COM 30231G102   2,063,526 17,925 SH   DFND   3,040 0 14,885
Exxon Mobil Corp COM 30231G102   15,811,272 137,346 SH   SOLE   136,223 0 1,123
FEDEX CORP COM 31428X106   300,740 1,003 SH   DFND   0 0 1,003
FEDEX CORP COM 31428X106   125,633 419 SH   SOLE   419 0 0
FIRST TRUST ADVISORS LP DJ INTERNT IDX 33733E302   20,494 100 SH   DFND   100 0 0
FISERV INC COM 337738108   58,275 391 SH   DFND   0 0 391
FISERV INC COM 337738108   5,216 35 SH   SOLE   35 0 0
FMC Corp COM NEW 302491303   978 17 SH   SOLE   17 0 0
FORD MOTOR CO COM 345370860   79,228 6,318 SH   DFND   800 0 5,518
FORD MOTOR CO COM 345370860   103,417 8,247 SH   SOLE   8,247 0 0
FRANCO-NEVADA CORP COM 351858105   7,704 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857   28,723 591 SH   SOLE   591 0 0
FTI Consulting Inc COM 302941109   21,553 100 SH   DFND   0 0 100
Fastenal Co COM 311900104   125,680 2,000 SH   DFND   0 0 2,000
Fidelity ETFs/USA ENHANCED LARGE 316092113   29,804 974 SH   SOLE   974 0 0
Fidelity National Information COM 31620M106   75,360 1,000 SH   DFND   0 0 1,000
Financial Institutions Inc COM 317585404   58,346 3,020 SH   SOLE   3,020 0 0
First Financial Bancorp COM 320209109   24,686 1,111 SH   SOLE   1,111 0 0
First Trust Advisors LP NAT GAS ETF 33733E807   256,493 9,760 SH   DFND   9,760 0 0
FirstEnergy Corp COM 337932107   5,741 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107   146,306 3,823 SH   SOLE   3,823 0 0
Flowserve Corp COM 34354P105   28,860 600 SH   DFND   600 0 0
Fortive Corp COM 34959J108   7,781 105 SH   SOLE   105 0 0
Fortrea Holdings Inc COMMON STOCK 34965K107   23,340 1,000 SH   DFND   0 0 1,000
Four Corners Property Trust In COM 35086T109   2,467 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101   44,700 2,000 SH   DFND   0 0 2,000
Fulton Financial Corp COM 360271100   77,293 4,552 SH   SOLE   4,552 0 0
GARRETT MOTION INC COM 366505105   26 3 SH   SOLE   3 0 0
GE HealthCare Technologies Inc COMMON STOCK 36266G107   91,478 1,174 SH   DFND   200 0 974
GE HealthCare Technologies Inc COMMON STOCK 36266G107   24,623 316 SH   SOLE   316 0 0
GE Vernova Inc None 36828A101   118,342 690 SH   DFND   0 0 690
GE Vernova Inc None 36828A101   109,252 637 SH   SOLE   637 0 0
GEN DYNAMICS CORP COM 369550108   13,637 47 SH   DFND   42 0 5
GEN DYNAMICS CORP COM 369550108   7,373,618 25,414 SH   SOLE   25,082 0 332
GENERAL MILLS INC COM 370334104   193,639 3,061 SH   DFND   0 0 3,061
GENERAL MILLS INC COM 370334104   97,041 1,534 SH   SOLE   1,534 0 0
GOLDMAN SACHS GRP COM 38141G104   226,160 500 SH   DFND   0 0 500
GOLDMAN SACHS GRP COM 38141G104   294,008 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104   44,052 1,200 SH   DFND   1,200 0 0
GSK PLC SPONSORED ADR 37733W204   3,850 100 SH   DFND   100 0 0
GSK PLC SPONSORED ADR 37733W204   40,040 1,040 SH   SOLE   1,040 0 0
Generac Holdings Inc COM 368736104   3,306 25 SH   DFND   25 0 0
General Electric Co COM NEW 369604301   446,070 2,806 SH   DFND   0 0 2,806
General Electric Co COM NEW 369604301   423,973 2,667 SH   SOLE   2,667 0 0
General Motors Co COM 37045V100   97,566 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105   39,836 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103   131,525 1,917 SH   SOLE   1,917 0 0
Global X Management Co LLC SOCIAL MED ETF 37950E416   29,561 700 SH   DFND   700 0 0
Global X Management Co LLC GBL X BLOCKCHAIN 37960A735   15,291 300 SH   DFND   300 0 0
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107   8,110 241 SH   DFND   0 0 241
Goldman Sachs Asset Management LP ACTIVEBETA INT 381430107   77,597 2,306 SH   SOLE   2,306 0 0
Goldman Sachs Asset Management LP ACTIVEBETA US LG 381430503   159,249 1,489 SH   SOLE   1,489 0 0
Grayscale Investments LLC/USA None 389637109   60,747 1,141 SH   DFND   0 0 1,141
HALLIBURTON COM 406216101   11,080 328 SH   DFND   100 0 228
HANESBRANDS INC COM 410345102   3,599 730 SH   DFND   0 0 730
HERSHEY CO (THE) COM 427866108   80,334 437 SH   DFND   0 0 437
HERSHEY CO (THE) COM 427866108   402,404 2,189 SH   SOLE   2,189 0 0
HP Inc COM 40434L105   20,837 595 SH   DFND   0 0 595
Haleon PLC SPON ADS 405552100   10,738 1,300 SH   SOLE   1,300 0 0
Hartford Financial Services Gr COM 416515104   306,446 3,048 SH   DFND   0 0 3,048
Hartford Funds Exchange-Traded TOTAL RTRN ETF 41653L305   95,815 2,861 SH   SOLE   2,861 0 0
Healthpeak Properties Inc COM 42250P103   98,000 5,000 SH   DFND   0 0 5,000
Helmerich & Payne Inc COM 423452101   6,469 179 SH   DFND   0 0 179
Henry Schein Inc COM 806407102   363,447 5,670 SH   SOLE   5,670 0 0
Hewlett Packard Enterprise Co COM 42824C109   12,236 578 SH   DFND   0 0 578
Home Depot Inc/The COM 437076102   840,290 2,441 SH   DFND   53 0 2,388
Home Depot Inc/The COM 437076102   10,958,536 31,834 SH   SOLE   31,338 0 496
Honeywell International Inc COM 438516106   372,414 1,744 SH   DFND   243 0 1,501
Honeywell International Inc COM 438516106   10,112,400 47,356 SH   SOLE   46,343 0 1,013
Howmet Aerospace Inc COM 443201108   318,283 4,100 SH   DFND   0 0 4,100
IDACORP Inc COM 451107106   4,658 50 SH   DFND   50 0 0
ILLINOIS TOOL WKS COM 452308109   405,676 1,712 SH   DFND   262 0 1,450
INTERCONTINENTAL EXCHANGE COM 45866F104   9,172 67 SH   DFND   52 0 15
INTERCONTINENTAL EXCHANGE COM 45866F104   4,346,258 31,750 SH   SOLE   30,076 0 1,674
INTL BUSINESS MCHN COM 459200101   1,020,924 5,903 SH   DFND   300 0 5,603
INTL BUSINESS MCHN COM 459200101   1,808,192 10,455 SH   SOLE   10,455 0 0
ISHARES S&P 100 ETF 464287101   332,489 1,258 SH   SOLE   1,258 0 0
ISHARES SELECT DIVID ETF 464287168   736,526 6,088 SH   DFND   300 0 5,788
ISHARES SELECT DIVID ETF 464287168   584,333 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200   1,518,016 2,774 SH   DFND   0 0 2,774
ISHARES CORE S&P500 ETF 464287200   509,471 931 SH   SOLE   931 0 0
ISHARES IBOXX INV CP ETF 464287242   1,525,603 14,242 SH   SOLE   14,014 0 228
ISHARES GBL COMM SVC ETF 464287275   35,512 400 SH   DFND   400 0 0
ISHARES S&P 500 GRWT ETF 464287309   883,664 9,549 SH   SOLE   9,549 0 0
ISHARES GLOB HLTHCRE ETF 464287325   269,236 2,900 SH   DFND   2,900 0 0
ISHARES GLOBAL ENERG ETF 464287341   199,248 4,800 SH   DFND   4,800 0 0
ISHARES GLOBAL ENERG ETF 464287341   4,774 115 SH   SOLE   115 0 0
ISHARES S&P 500 VAL ETF 464287408   137,600 756 SH   SOLE   756 0 0
ISHARES ISHARES BIOTECH 464287556   102,945 750 SH   DFND   750 0 0
ISHARES RUSSELL 2000 ETF 464287655   598,931 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655   194,166 957 SH   SOLE   957 0 0
ISHARES U.S. TECH ETF 464287721   18,361 122 SH   SOLE   122 0 0
ISHARES SP SMCP600VL ETF 464287879   1,086,117 11,166 SH   SOLE   10,166 0 1,000
ISHARES SHORT TREAS BD 464288679   99,450 900 SH   DFND   900 0 0
ISHARES EAFE VALUE ETF 464288877   477 9 SH   DFND   0 0 9
ISHARES EAFE VALUE ETF 464288877   38,772 731 SH   SOLE   731 0 0
ISHARES ISHARES 46428Q109   79,710 3,000 SH   DFND   0 0 3,000
ISHARES ISHARES 46428Q109   117,758 4,432 SH   SOLE   4,432 0 0
ISHARES CORE MSCI EAFE 46432F842   629,280 8,663 SH   DFND   1,222 0 7,441
ISHARES CORE MSCI EAFE 46432F842   259,615 3,574 SH   SOLE   3,574 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   63,830 1,453 SH   SOLE   1,453 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   759,992 10,958 SH   SOLE   10,958 0 0
ISHARES TRUST TIPS BD ETF 464287176   13,668 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291   372,690 4,500 SH   DFND   4,500 0 0
ISHARES TRUST GLOBAL TECH ETF 464287291   303,121 3,660 SH   SOLE   3,660 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   428,744 5,251 SH   DFND   5,251 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457   5,035,111 61,667 SH   SOLE   60,812 0 855
ISHARES TRUST GL TIMB FORE ETF 464288174   39,185 500 SH   DFND   500 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224   67,932 5,100 SH   SOLE   5,100 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   2,391 31 SH   SOLE   31 0 0
ISHARES/USA RUS 1000 GRW ETF 464287614   218,706 600 SH   DFND   0 0 600
ISHARES/USA NATIONAL MUN ETF 464288414   719,213 6,750 SH   DFND   0 0 6,750
ISHARES/USA NATIONAL MUN ETF 464288414   207,240 1,945 SH   SOLE   1,945 0 0
ITRON INC COM 465741106   34,636 350 SH   DFND   300 0 50
ITT Inc COM 45073V108   1,292 10 SH   DFND   0 0 10
Illumina Inc COM 452327109   1,566 15 SH   SOLE   15 0 0
Ingevity Corp COM 45688C107   65,565 1,500 SH   DFND   0 0 1,500
Intel Corp COM 458140100   517,168 16,699 SH   DFND   1,749 0 14,950
Intel Corp COM 458140100   907,173 29,292 SH   SOLE   26,287 0 3,005
International Paper Co COM 460146103   86,300 2,000 SH   DFND   0 0 2,000
International Paper Co COM 460146103   56,095 1,300 SH   SOLE   1,300 0 0
Interpublic Group of Cos Inc/T COM 460690100   79,998 2,750 SH   DFND   0 0 2,750
Intuitive Surgical Inc COM NEW 46120E602   15,125 34 SH   DFND   25 0 9
Intuitive Surgical Inc COM NEW 46120E602   8,546,013 19,211 SH   SOLE   18,608 0 603
Invesco Capital Management LLC UNIT SER 1 46090E103   1,301,742 2,717 SH   DFND   0 0 2,717
Invesco Capital Management LLC UNIT SER 1 46090E103   308,068 643 SH   SOLE   643 0 0
Invesco Capital Management LLC OPTIMUM YIELD 46090F100   5,465 389 SH   SOLE   389 0 0
Invesco Capital Management LLC INDIA ETF 46137R109   70,152 2,400 SH   DFND   2,400 0 0
Invesco Capital Management LLC S&P500 EQL ENR 46137V365   96,756 1,200 SH   DFND   1,200 0 0
Invesco Capital Management LLC NASDAQ INTERNT 46137V530   20,530 500 SH   DFND   500 0 0
Invesco Capital Management LLC AI AND NEXT GEN 46137V639   14,247 300 SH   DFND   300 0 0
Invesco Capital Management LLC PHARMACEUTICALS 46137V662   49,323 600 SH   DFND   600 0 0
Invesco Capital Management LLC S&P GBL WATER 46138E263   110,580 2,000 SH   DFND   2,000 0 0
Invesco Capital Management LLC S&P500 LOW VOL 46138E354   910,144 14,013 SH   SOLE   14,013 0 0
Invesco Capital Management LLC PFD ETF 46138E511   20,363 1,763 SH   DFND   0 0 1,763
Invesco Capital Management LLC PFD ETF 46138E511   13,848 1,199 SH   SOLE   1,199 0 0
Invesco Capital Management LLC NY AMT FRE MUN 46138E529   15,911 693 SH   SOLE   693 0 0
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   3,606 90 SH   DFND   0 0 90
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   36,424 909 SH   SOLE   909 0 0
Invesco Capital Management LLC S&P 500 REVENUE 46138G698   67,613 730 SH   DFND   70 0 660
Invesco Capital Management LLC S&P 500 REVENUE 46138G698   3,879,944 41,891 SH   SOLE   41,309 0 582
Invesco ETFs/USA S&P500 EQL HLT 46137V332   30,030 1,000 SH   DFND   1,000 0 0
JAZZ PHARMA PLC SHS USD G50871105   16,010 150 SH   DFND   150 0 0
JPMorgan Chase & Co COM 46625H100   822,794 4,068 SH   DFND   1,641 0 2,427
JPMorgan Chase & Co COM 46625H100   14,913,439 73,734 SH   SOLE   71,190 0 2,544
Johnson & Johnson COM 478160104   1,883,564 12,887 SH   DFND   1,853 0 11,034
Johnson & Johnson COM 478160104   3,021,273 20,671 SH   SOLE   20,271 0 400
Johnson Controls International SHS G51502105   14,225 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105   2,393 36 SH   SOLE   36 0 0
KIMBERLY-CLARK CP COM 494368103   331,818 2,401 SH   DFND   0 0 2,401
KIMBERLY-CLARK CP COM 494368103   7,202,569 52,117 SH   SOLE   51,181 0 936
KIMCO REALTY COM 49446R109   17,514 900 SH   DFND   0 0 900
KLA Corp COM NEW 482480100   138,518 168 SH   SOLE   168 0 0
KNIFE RIV HOL CO. COMMON STOCK 498894104   36,824 525 SH   DFND   525 0 0
Kellanova COM 487836108   2,769 48 SH   DFND   0 0 48
Kellanova COM 487836108   74,984 1,300 SH   SOLE   1,300 0 0
Keysight Technologies Inc COM 49338L103   585,837 4,284 SH   SOLE   4,284 0 0
Kinder Morgan Inc COM 49456B101   39,740 2,000 SH   DFND   0 0 2,000
Kingdom of Norway Ministry of SPONSORED ADR 29446M102   31,416 1,100 SH   DFND   1,100 0 0
Kraft Heinz Co/The COM 500754106   25,454 790 SH   DFND   0 0 790
KraneShares Trust QUADRTC INT RT 500767736   20,916 1,130 SH   DFND   0 0 1,130
Kronos I UK Ltd SPONSORED ADR 042068205   9,817 60 SH   SOLE   60 0 0
Kyndryl Holdings Inc COMMON STOCK 50155Q100   17,154 652 SH   DFND   0 0 652
L3Harris Technologies Inc COM 502431109   96,569 430 SH   DFND   0 0 430
LEAP THERAPEUTICS INC COM NEW 52187K200   235 120 SH   DFND   120 0 0
LOWE'S COS INC COM 548661107   207,894 943 SH   DFND   248 0 695
LOWE'S COS INC COM 548661107   936,735 4,249 SH   SOLE   2,021 0 2,228
LULULEMON ATHLETIC COM 550021109   41,818 140 SH   DFND   0 0 140
Lamb Weston Holdings Inc COM 513272104   22,365 266 SH   DFND   0 0 266
Linde PLC SHS G54950103   125,500 286 SH   DFND   0 0 286
Linde PLC SHS G54950103   50,902 116 SH   SOLE   116 0 0
Lindsay Corp COM 535555106   73,728 600 SH   DFND   600 0 0
Lockheed Martin Corp COM 539830109   21,487 46 SH   DFND   0 0 46
Lockheed Martin Corp COM 539830109   31,296 67 SH   SOLE   67 0 0
Loews Corp COM 126117100   27,642 600 SH   DFND   0 0 600
Lumentum Holdings Inc COM 55024U109   5,092 100 SH   DFND   0 0 100
M&T Bank Corp COM 55261F104   78,404 518 SH   DFND   0 0 518
M&T Bank Corp COM 55261F104   142,732 943 SH   SOLE   943 0 0
MARATHON OIL CORP COM 565849106   56,595 1,974 SH   DFND   0 0 1,974
MARSH & MCLENNAN COM 571748102   130,225 618 SH   SOLE   618 0 0
MASTERCARD INC CL A 57636Q104   107,202 243 SH   DFND   112 0 131
MASTERCARD INC CL A 57636Q104   9,668,463 21,916 SH   SOLE   21,197 0 719
MATTEL INC COM 577081102   1,626 100 SH   DFND   0 0 100
MCDONALD'S CORP COM 580135101   1,855,745 7,282 SH   DFND   526 0 6,756
MCDONALD'S CORP COM 580135101   10,184,426 39,964 SH   SOLE   39,383 0 581
MCKESSON CORP COM 58155Q103   499,354 855 SH   SOLE   630 0 225
MDU RES GROUP INC COM 552690109   67,770 2,700 SH   DFND   2,700 0 0
MDU RES GROUP INC COM 552690109   42,770 1,704 SH   SOLE   1,704 0 0
METLIFE INC COM 59156R108   105,285 1,500 SH   DFND   0 0 1,500
METLIFE INC COM 59156R108   15,161 216 SH   SOLE   216 0 0
MICROSOFT CORP COM 594918104   10,190,460 22,800 SH   DFND   1,032 0 21,768
MICROSOFT CORP COM 594918104   38,847,553 86,917 SH   SOLE   82,807 0 4,110
MOLSON COORS BREWING CO CL B 60871R209   76,245 1,500 SH   DFND   0 0 1,500
MOODYS CORP COM 615369105   63,140 150 SH   DFND   150 0 0
MORGAN STANLEY COM NEW 617446448   97,190 1,000 SH   DFND   0 0 1,000
MSC Industrial Direct Co Inc CL A 553530106   126,896 1,600 SH   DFND   0 0 1,600
MYRIAD GENETICS IN COM 62855J104   20,546 840 SH   SOLE   840 0 0
Marathon Petroleum Corp COM 56585A102   281,732 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102   8,847 51 SH   SOLE   51 0 0
Marriott International Inc/MD CL A 571903202   236,693 979 SH   SOLE   979 0 0
Masco Corp COM 574599106   233,345 3,500 SH   DFND   0 0 3,500
Medtronic PLC SHS G5960L103   131,918 1,676 SH   DFND   0 0 1,676
Medtronic PLC SHS G5960L103   29,674 377 SH   SOLE   377 0 0
Merck & Co Inc COM 58933Y105   624,447 5,044 SH   DFND   1,126 0 3,918
Merck & Co Inc COM 58933Y105   11,461,033 92,577 SH   SOLE   90,913 0 1,664
Meta Platforms Inc CL A 30303M102   106,390 211 SH   DFND   36 0 175
Meta Platforms Inc CL A 30303M102   226,899 450 SH   SOLE   450 0 0
Microchip Technology Inc COM 595017104   300,120 3,280 SH   DFND   0 0 3,280
Microchip Technology Inc COM 595017104   311,375 3,403 SH   SOLE   3,403 0 0
Micron Technology Inc COM 595112103   4,604 35 SH   DFND   0 0 35
Moderna Inc COM 60770K107   1,188 10 SH   DFND   0 0 10
Mondelez International Inc CL A 609207105   124,925 1,909 SH   DFND   0 0 1,909
Mondelez International Inc CL A 609207105   117,792 1,800 SH   SOLE   1,800 0 0
NBT Bancorp Inc COM 628778102   1,263,301 32,728 SH   DFND   0 0 32,728
NBT Bancorp Inc COM 628778102   387,776 10,046 SH   SOLE   10,046 0 0
NET Lease Office Properties COM 64110Y108   443 18 SH   SOLE   18 0 0
NETFLIX INC COM 64110L106   6,749 10 SH   SOLE   10 0 0
NEXTERA ENERGY COM 65339F101   151,109 2,134 SH   DFND   0 0 2,134
NEXTERA ENERGY COM 65339F101   502,255 7,093 SH   SOLE   7,093 0 0
NIKE INC CL B 654106103   162,799 2,160 SH   DFND   0 0 2,160
NIKE INC CL B 654106103   295,978 3,927 SH   SOLE   2,627 0 1,300
NORTHERN TRUST CORP COM 665859104   83,980 1,000 SH   DFND   0 0 1,000
NVIDIA Corp COM 67066G104   374,326 3,030 SH   DFND   0 0 3,030
NVIDIA Corp COM 67066G104   32,691,155 264,620 SH   SOLE   243,240 0 21,380
National Amusements Inc CLASS B COM 92556H206   270 26 SH   DFND   0 0 26
National Fuel Gas Co COM 636180101   496,543 9,163 SH   SOLE   9,163 0 0
New Jersey Resources Corp COM 646025106   12,822 300 SH   DFND   300 0 0
New York Times Co/The CL A 650111107   11,522 225 SH   SOLE   225 0 0
Nokia Oyj SPONSORED ADR 654902204   756 200 SH   SOLE   200 0 0
Norfolk Southern Corp COM 655844108   94,464 440 SH   DFND   0 0 440
Norfolk Southern Corp COM 655844108   139,549 650 SH   SOLE   650 0 0
Northern Trust Investments Inc MORNSTAR UPSTR 33939L407   2,649 66 SH   SOLE   66 0 0
Novartis AG SPONSORED ADR 66987V109   192,693 1,810 SH   DFND   1,250 0 560
Novartis AG SPONSORED ADR 66987V109   117,106 1,100 SH   SOLE   1,100 0 0
Novocure Ltd ORD SHS G6674U108   1,713 100 SH   DFND   0 0 100
Nucor Corp COM 670346105   7,904 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107   95,108 8,454 SH   SOLE   8,454 0 0
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   9,624 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103   24,990 700 SH   DFND   600 0 100
OMNICOM GROUP INC COM 681919106   131,769 1,469 SH   DFND   0 0 1,469
OMNICOM GROUP INC COM 681919106   5,203 58 SH   SOLE   58 0 0
ORACLE CORP COM 68389X105   276,611 1,959 SH   DFND   1,959 0 0
ORACLE CORP COM 68389X105   1,294,945 9,171 SH   SOLE   6,696 0 2,475
Occidental Petroleum Corp COM 674599105   93,032 1,476 SH   DFND   0 0 1,476
OceanFirst Financial Corp COM 675234108   19,068 1,200 SH   DFND   1,200 0 0
Organon & Co COMMON STOCK 68622V106   49,411 2,387 SH   DFND   0 0 2,387
Organon & Co COMMON STOCK 68622V106   518 25 SH   SOLE   25 0 0
Otis Worldwide Corp COM 68902V107   11,262 117 SH   DFND   0 0 117
Otis Worldwide Corp COM 68902V107   9,626 100 SH   SOLE   100 0 0
Ovintiv Inc COM 69047Q102   13,780 294 SH   DFND   0 0 294
Owens & Minor Inc COM 690732102   675 50 SH   DFND   0 0 50
PAN AMER SILVER COM 697900108   8,588 432 SH   SOLE   432 0 0
PEPSICO INC COM 713448108   903,157 5,476 SH   DFND   1,139 0 4,337
PEPSICO INC COM 713448108   9,182,808 55,677 SH   SOLE   54,200 0 1,477
PG&E CORP COM 69331C108   5,238 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109   461,052 4,550 SH   DFND   0 0 4,550
PHILIP MORRIS INTL COM 718172109   251,805 2,485 SH   SOLE   2,485 0 0
PNC Financial Services Group I COM 693475105   393,986 2,534 SH   DFND   0 0 2,534
PPG Industries Inc COM 693506107   192,360 1,528 SH   DFND   626 0 902
PPG Industries Inc COM 693506107   22,660 180 SH   SOLE   180 0 0
PPL CORP COM 69351T106   5,530 200 SH   SOLE   200 0 0
PROSHARE ADVISORS LLC S&P 500 DV ARIST 74348A467   1,923 20 SH   DFND   0 0 20
PROSHARE ADVISORS LLC S&P 500 DV ARIST 74348A467   8,171 85 SH   SOLE   85 0 0
PRUDENTIAL FINL COM 744320102   8,555 73 SH   DFND   0 0 73
PRUDENTIAL FINL COM 744320102   18,047 154 SH   SOLE   154 0 0
Pacific Investment Management Co LLC ACTIVE BD ETF 72201R775   37,070 407 SH   SOLE   407 0 0
Palantir Technologies Inc CL A 69608A108   12,665 500 SH   SOLE   500 0 0
PayPal Holdings Inc COM 70450Y103   23,850 411 SH   DFND   363 0 48
PayPal Holdings Inc COM 70450Y103   23,850 411 SH   SOLE   411 0 0
Paychex Inc COM 704326107   181,160 1,528 SH   DFND   0 0 1,528
Paychex Inc COM 704326107   1,330,125 11,219 SH   SOLE   11,219 0 0
Perrigo Co PLC SHS G97822103   13,482 525 SH   SOLE   525 0 0
Pfizer Inc COM 717081103   817,436 29,215 SH   DFND   3,100 0 26,115
Pfizer Inc COM 717081103   413,069 14,763 SH   SOLE   14,763 0 0
Phillips 66 COM 718546104   175,615 1,244 SH   DFND   0 0 1,244
Plug Power Inc COM NEW 72919P202   280 120 SH   DFND   0 0 120
Portland General Electric Co COM NEW 736508847   25,944 600 SH   DFND   600 0 0
Procter & Gamble Co/The COM 742718109   6,122,655 37,125 SH   DFND   0 0 37,125
Procter & Gamble Co/The COM 742718109   2,297,336 13,930 SH   SOLE   12,905 0 1,025
Public Service Enterprise Grou COM 744573106   73,553 998 SH   DFND   0 0 998
Public Service Enterprise Grou COM 744573106   9,395,866 127,488 SH   SOLE   125,800 0 1,688
Public Storage COM 74460D109   24,450 85 SH   DFND   81 0 4
Public Storage COM 74460D109   6,854,700 23,830 SH   SOLE   23,434 0 396
QUALCOMM Inc COM 747525103   527,827 2,650 SH   DFND   0 0 2,650
REALTY INCOME CORP COM 756109104   92,435 1,750 SH   DFND   0 0 1,750
RESTAURANT BRANDS INTERNATIONA COM 76131D103   70,370 1,000 SH   DFND   0 0 1,000
RMR Group Inc/The CL A 74967R106   1,107 49 SH   DFND   0 0 49
ROBLOX Corp CL A 771049103   3,721 100 SH   SOLE   100 0 0
ROCKWELL AUTOMATION COM 773903109   142,044 516 SH   DFND   316 0 200
ROCKWELL AUTOMATION COM 773903109   6,882 25 SH   SOLE   25 0 0
RTX Corp COM 75513E101   483,277 4,814 SH   DFND   817 0 3,997
RTX Corp COM 75513E101   23,090 230 SH   SOLE   230 0 0
Ralph Lauren Corp CL A 751212101   141,799 810 SH   DFND   0 0 810
Regency Centers Corp COM 758849103   90,812 1,460 SH   DFND   0 0 1,460
Resideo Technologies Inc COM 76118Y104   117 6 SH   SOLE   6 0 0
Rio Tinto PLC SPONSORED ADR 767204100   158,232 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103   201 15 SH   DFND   0 0 15
Rivian Automotive Inc COM CL A 76954A103   2,349 175 SH   SOLE   175 0 0
Roundhill Financial Inc ROUNDHILL SPORTS 53656F789   6,820 400 SH   DFND   400 0 0
Royal Bank of Canada COM 780087102   255,312 2,400 SH   DFND   0 0 2,400
S&P Global Inc COM 78409V104   124,880 280 SH   SOLE   280 0 0
SALESFORCE.COM INC COM 79466L302   146,804 571 SH   DFND   21 0 550
SANDSTORM GOLD LTD COM NEW 80013R206   6,528 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   23,612 162 SH   SOLE   162 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   114,870 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   53,078 291 SH   SOLE   291 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   109,380 1,200 SH   DFND   1,200 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605   53,484 1,301 SH   SOLE   1,301 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   1,936,529 8,560 SH   DFND   400 0 8,160
SMUCKER(JM)CO COM NEW 832696405   25,624 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106   166 10 SH   DFND   0 0 10
SPDR DOW JONES IND UT SER 1 78467X109   1,292,685 3,305 SH   DFND   0 0 3,305
SPDR GOLD TRUST GOLD SHS 78463V107   215,010 1,000 SH   SOLE   1,000 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   94,254 1,308 SH   SOLE   1,308 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607   18,620 200 SH   DFND   200 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   88,380 1,800 SH   SOLE   1,800 0 0
SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104   776,580 43,000 SH   DFND   43,000 0 0
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102   97,625 500 SH   DFND   500 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 GW 78464A409   881 11 SH   SOLE   11 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   829 17 SH   DFND   0 0 17
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   829 17 SH   SOLE   17 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO S&P400 78464A847   30,267 590 SH   SOLE   590 0 0
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408   51,213 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606   51,385 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   87,118 685 SH   DFND   400 0 285
SSGA Funds Management Inc S&P DIVID ETF 78464A763   210,483 1,655 SH   SOLE   1,655 0 0
SSgA Funds Management Inc TR UNIT 78462F103   2,923,550 5,372 SH   DFND   650 0 4,722
SSgA Funds Management Inc TR UNIT 78462F103   1,943,954 3,572 SH   SOLE   3,572 0 0
SSgA Funds Management Inc S&P INTL SMLCP 78463X871   44,436 1,400 SH   DFND   1,400 0 0
SSgA Funds Management Inc S&P 600 SMCP GRW 78464A201   17,172 200 SH   DFND   200 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839   438 6 SH   DFND   0 0 6
SSgA Funds Management Inc S&P BIOTECH 78464A870   46,355 500 SH   DFND   500 0 0
SSgA Funds Management Inc BLOOMBERG HIGH Y 78468R622   1,414 15 SH   SOLE   15 0 0
SSgA Funds Management Inc BLOOMBERG 1-3 MO 78468R663   4,405 48 SH   DFND   48 0 0
SSgA Funds Management Inc BLOOMBERG 1-3 MO 78468R663   7,561,295 82,385 SH   SOLE   81,425 0 960
SSgA Funds Management Inc PRTFLO S&P500 HI 78468R788   108,621 2,700 SH   SOLE   2,700 0 0
SSgA Funds Management Inc INDL 81369Y704   47,773 392 SH   SOLE   392 0 0
STARBUCKS CORP COM 855244109   5,605 72 SH   DFND   0 0 72
STARBUCKS CORP COM 855244109   40,093 515 SH   SOLE   515 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   1,018,792 1,904 SH   DFND   0 0 1,904
SUNPOWER CORP COM 867652406   148 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100   25,596 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108   259,490 5,500 SH   DFND   1,900 0 3,600
Schwab ETFs/USA US REIT ETF 808524847   22,087 1,106 SH   SOLE   1,106 0 0
Selective Insurance Group Inc COM 816300107   134,928 1,438 SH   SOLE   1,438 0 0
Shake Shack Inc CL A 819047101   4,500 50 SH   DFND   0 0 50
Shell PLC SPON ADS 780259305   233,141 3,230 SH   DFND   0 0 3,230
Sherwin-Williams Co/The COM 824348106   2,686 9 SH   SOLE   9 0 0
Skyworks Solutions Inc COM 83088M102   10,658 100 SH   DFND   0 0 100
Snap-on Inc COM 833034101   118,932 455 SH   DFND   0 0 455
Snowflake Inc CL A 833445109   13,509 100 SH   DFND   100 0 0
Solventum Corp None 83444M101   38,179 722 SH   DFND   0 0 722
Solventum Corp None 83444M101   31,041 587 SH   SOLE   587 0 0
Sony Group Corp SPONSORED ADR 835699307   4,248 50 SH   DFND   0 0 50
Southern Co/The COM 842587107   43,051 555 SH   DFND   0 0 555
Southern Co/The COM 842587107   147,383 1,900 SH   SOLE   1,900 0 0
Sprott Asset Management CEFs TR UNIT 85207K107   621,628 62,601 SH   DFND   62,601 0 0
Sprott Asset Management CEFs TR UNIT 85208R101   639,450 29,000 SH   DFND   29,000 0 0
Stanley Black & Decker Inc COM 854502101   106,254 1,330 SH   DFND   0 0 1,330
Stanley Black & Decker Inc COM 854502101   92,672 1,160 SH   SOLE   1,160 0 0
State Street Corp COM 857477103   39,220 530 SH   DFND   200 0 330
State Street Corp COM 857477103   11,100 150 SH   SOLE   150 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714   44,988 600 SH   DFND   600 0 0
State Street Global Advisors Inc S&P SEMICNDCTR 78464A862   24,748 100 SH   DFND   100 0 0
State Street Global Advisors Inc BLOOMBERG 1 10 Y 78468R861   5,914 320 SH   SOLE   320 0 0
Stryker Corp COM 863667101   286,491 842 SH   DFND   524 0 318
Stryker Corp COM 863667101   5,391,261 15,845 SH   SOLE   15,008 0 837
Summit Materials Inc CL A 86614U100   37,196 1,016 SH   DFND   1,016 0 0
Synopsys Inc COM 871607107   4,201,719 7,061 SH   SOLE   6,610 0 451
Sysco Corp COM 871829107   642,510 9,000 SH   DFND   300 0 8,700
Sysco Corp COM 871829107   10,280 144 SH   SOLE   144 0 0
TE Connectivity Ltd SHS H84989104   33,095 220 SH   DFND   50 0 170
TE Connectivity Ltd SHS H84989104   7,112,030 47,278 SH   SOLE   46,360 0 918
TEXAS INSTRUMENTS COM 882508104   418,240 2,150 SH   DFND   0 0 2,150
TEXAS INSTRUMENTS COM 882508104   203,867 1,048 SH   SOLE   1,048 0 0
TIDEWATER INC *W EXP 11/14/202 88642R174   20 2 SH   DFND   0 0 2
TJX Cos Inc/The COM 872540109   191,354 1,738 SH   DFND   90 0 1,648
TJX Cos Inc/The COM 872540109   10,405,221 94,507 SH   SOLE   89,553 0 4,954
TORONTO-DOMINION COM NEW 891160509   65,952 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109   61,002 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109   48,802 240 SH   SOLE   240 0 0
TSMC SPONSORED ADS 874039100   234,644 1,350 SH   DFND   1,350 0 0
TSMC SPONSORED ADS 874039100   8,691 50 SH   SOLE   50 0 0
Target Corp COM 87612E106   284,237 1,920 SH   DFND   0 0 1,920
Target Corp COM 87612E106   268,693 1,815 SH   SOLE   1,815 0 0
Teradyne Inc COM 880770102   1,027,650 6,930 SH   SOLE   6,930 0 0
Tesla Inc COM 88160R101   226,770 1,146 SH   DFND   0 0 1,146
Tesla Inc COM 88160R101   57,583 291 SH   SOLE   291 0 0
Teva Pharmaceutical Industries SPONSORED ADS 881624209   17,063 1,050 SH   SOLE   1,050 0 0
Thermo Fisher Scientific Inc COM 883556102   551,894 998 SH   DFND   498 0 500
Thermo Fisher Scientific Inc COM 883556102   314,657 569 SH   SOLE   569 0 0
Tompkins Financial Corp COM 890110109   34,433,962 704,171 SH   DFND   0 0 704,171
Tompkins Financial Corp COM 890110109   23,366,865 477,850 SH   SOLE   0 0 477,850
Truist Financial Corp COM 89832Q109   116,744 3,005 SH   DFND   0 0 3,005
Tyson Foods Inc CL A 902494103   56,511 989 SH   SOLE   989 0 0
UGI Corp COM 902681105   57,800 2,524 SH   SOLE   2,524 0 0
UTD PARCEL SERV CL B 911312106   132,745 970 SH   DFND   310 0 660
UTD PARCEL SERV CL B 911312106   81,152 593 SH   SOLE   593 0 0
Unilever PLC SPON ADR NEW 904767704   5,499 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108   160,192 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108   201,598 891 SH   SOLE   891 0 0
UnitedHealth Group Inc COM 91324P102   509,260 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102   345,278 678 SH   SOLE   678 0 0
Universal Health Services Inc CL B 913903100   116,506 630 SH   SOLE   630 0 0
Universal Insurance Holdings I COM 91359V107   204,428 10,897 SH   SOLE   10,897 0 0
V2X Inc COM 92242T101   48 1 SH   DFND   0 0 1
VANECK VECTORS ETF MRNGSTR WDE MOAT 92189F643   191,668 2,213 SH   DFND   2,213 0 0
VANECK VECTORS ETF MRNGSTR WDE MOAT 92189F643   29,616,030 341,947 SH   SOLE   341,584 0 363
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700   70,120 1,000 SH   DFND   1,000 0 0
VANECK VECTORS ETF VANECK VIETNAM 92189F817   14,604 1,200 SH   DFND   1,200 0 0
VANGUARD S&P 500 ETF SHS 922908363   671,675 1,343 SH   DFND   0 0 1,343
VANGUARD S&P 500 ETF SHS 922908363   12,406,225 24,806 SH   SOLE   24,517 0 289
VANGUARD ETF/USA DIV APP ETF 921908844   73,020 400 SH   DFND   400 0 0
VANGUARD ETF/USA DIV APP ETF 921908844   30,668 168 SH   SOLE   168 0 0
VANGUARD ETF/USA VG TL INTL STK F 921909768   42,934 712 SH   SOLE   712 0 0
VANGUARD ETF/USA LONG TERM BOND 921937793   38,097 542 SH   SOLE   542 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   21,940 452 SH   DFND   400 0 52
VANGUARD ETF/USA GLB EX US ETF 922042676   24,342 600 SH   DFND   600 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676   5,152 127 SH   SOLE   127 0 0
VANGUARD ETF/USA TT WRLD ST ETF 922042742   92,244 819 SH   SOLE   819 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   21,880 500 SH   DFND   500 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   26,869 614 SH   SOLE   614 0 0
VANGUARD ETF/USA INF TECH ETF 92204A702   123,967 215 SH   DFND   200 0 15
VANGUARD ETF/USA VNG RUS1000GRW 92206C680   50,845 542 SH   SOLE   542 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870   240 3 SH   SOLE   3 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611   11,316 62 SH   SOLE   62 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   1,795,260 6,711 SH   DFND   225 0 6,486
VANGUARD ETF/USA TOTAL STK MKT 922908769   317,267 1,186 SH   SOLE   1,186 0 0
VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407   20,101 413 SH   SOLE   413 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874   218,872 3,278 SH   SOLE   330 0 2,948
VANGUARD WHITEHALL HIGH DIV YLD 921946406   771,493 6,505 SH   SOLE   6,505 0 0
VERIZON COMMUN COM 92343V104   425,514 10,318 SH   DFND   0 0 10,318
VERIZON COMMUN COM 92343V104   1,224,251 29,686 SH   SOLE   29,686 0 0
VF Corp COM 918204108   581 43 SH   SOLE   43 0 0
VIATRIS INC COM 92556V106   14,223 1,338 SH   DFND   0 0 1,338
VIATRIS INC COM 92556V106   6,644 625 SH   SOLE   625 0 0
VISA INC COM CL A 92826C839   9,186 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839   175,592 669 SH   SOLE   669 0 0
Valero Energy Corp COM 91913Y100   2,351 15 SH   SOLE   15 0 0
Valvoline Inc COM 92047W101   407,981 9,444 SH   DFND   0 0 9,444
Van Eck Associates Corp FALLEN ANGEL HG 92189F437   44,007 1,555 SH   DFND   0 0 1,555
Van Eck Associates Corp JP MRGAN EM LOC 92189H300   11,343 477 SH   SOLE   477 0 0
Van Eck Associates Corp RARE EARTH/STRTG 92189H805   45,369 1,067 SH   DFND   1,067 0 0
Van Eck Associates Corp DIGI TRANSFRM 92189H821   3,597 300 SH   DFND   300 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505   2,176,762 6,528 SH   SOLE   6,528 0 0
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   155,970 3,156 SH   DFND   0 0 3,156
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   18,019,174 364,613 SH   SOLE   363,749 0 864
Vanguard ETF/USA ENERGY ETF 92204A306   102,056 800 SH   DFND   800 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   53,200 200 SH   DFND   200 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504   145,502 547 SH   SOLE   547 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876   73,960 500 SH   DFND   500 0 0
Vanguard ETF/USA MID CAP ETF 922908629   24,210 100 SH   DFND   100 0 0
Vanguard ETF/USA MID CAP ETF 922908629   107,250 443 SH   SOLE   443 0 0
Vanguard ETF/USA GROWTH ETF 922908736   43,011 115 SH   SOLE   115 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   131,914 605 SH   DFND   250 0 355
Vanguard ETF/USA SMALL CP ETF 922908751   2,717,869 12,465 SH   SOLE   12,421 0 44
Vanguard Group Inc/The TOTAL BND MRKT 921937835   13,368,013 185,538 SH   SOLE   183,585 0 1,953
Vanguard Group Inc/The REAL ESTATE ETF 922908553   52,350 625 SH   DFND   200 0 425
Vanguard Group Inc/The REAL ESTATE ETF 922908553   386,804 4,618 SH   SOLE   3,598 0 1,020
Vanguard Group Inc/The SML CP GRW ETF 922908595   34,768 139 SH   SOLE   139 0 0
Vanguard Group Inc/The VALUE ETF 922908744   11,389 71 SH   SOLE   71 0 0
Ventas Inc COM 92276F100   102,520 2,000 SH   DFND   0 0 2,000
Veralto Corp COM SHS 92338C103   2,864 30 SH   DFND   0 0 30
Veralto Corp COM SHS 92338C103   37,329 391 SH   SOLE   391 0 0
Vertex Pharmaceuticals Inc COM 92532F100   7,031 15 SH   SOLE   15 0 0
Viavi Solutions Inc COM 925550105   4,809 700 SH   DFND   700 0 0
Vodafone Group PLC SPONSORED ADR 92857W308   17,900 2,018 SH   SOLE   2,018 0 0
Vontier Corp COM 928881101   15,280 400 SH   DFND   400 0 0
Vontier Corp COM 928881101   1,604 42 SH   SOLE   42 0 0
WASTE MANAGEMENT COM 94106L109   347,958 1,631 SH   DFND   41 0 1,590
WASTE MANAGEMENT COM 94106L109   12,575,753 58,947 SH   SOLE   57,879 0 1,068
WATSCO INC COM 942622200   463,240 1,000 SH   DFND   0 0 1,000
WEC Energy Group Inc COM 92939U106   156,920 2,000 SH   DFND   0 0 2,000
WEC Energy Group Inc COM 92939U106   147,897 1,885 SH   SOLE   1,885 0 0
WELLS FARGO & CO COM 949746101   80,177 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101   146,693 2,470 SH   SOLE   2,470 0 0
WESTN DIGITAL CORP COM 958102105   22,731 300 SH   DFND   0 0 300
WISDOMTREE ETFS/USA US TOTAL DIVIDND 97717W109   85,422 1,206 SH   SOLE   1,206 0 0
WISDOMTREE ETFS/USA US HIGH DIVIDEND 97717W208   33,413 395 SH   DFND   0 0 395
WK Kellogg Co COM SHS 92942W107   198 12 SH   DFND   0 0 12
WK Kellogg Co COM SHS 92942W107   5,350 325 SH   SOLE   325 0 0
WP Carey Inc COM 92936U109   204,786 3,720 SH   SOLE   3,720 0 0
WW Grainger Inc COM 384802104   222,853 247 SH   SOLE   247 0 0
Walgreens Boots Alliance Inc COM 931427108   121 10 SH   DFND   0 0 10
Walmart Inc COM 931142103   1,364,424 20,151 SH   DFND   1,188 0 18,963
Walmart Inc COM 931142103   17,970,302 265,401 SH   SOLE   260,557 0 4,844
Walt Disney Co/The COM 254687106   254,679 2,565 SH   DFND   0 0 2,565
Walt Disney Co/The COM 254687106   292,508 2,946 SH   SOLE   1,196 0 1,750
Warner Bros Discovery Inc COM SER A 934423104   33,391 4,488 SH   DFND   0 0 4,488
Warner Bros Discovery Inc COM SER A 934423104   39,075 5,252 SH   SOLE   5,252 0 0
Webster Financial Corp COM 947890109   1,101,171 25,262 SH   DFND   100 0 25,162
West Pharmaceutical Services I COM 955306105   83,006 252 SH   SOLE   252 0 0
Westinghouse Air Brake Technol COM 929740108   15,173 96 SH   DFND   0 0 96
Westinghouse Air Brake Technol COM 929740108   158 1 SH   SOLE   1 0 0
Westrock Co COM 96145D105   39,203 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102   12,948 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106   39,143 383 SH   DFND   0 0 383
Willis Towers Watson PLC SHS G96629103   2,359 9 SH   SOLE   9 0 0
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   9,158 299 SH   DFND   0 0 299
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   157,714 5,149 SH   SOLE   1,070 0 4,079
WisdomTree Asset Management Inc ITL HDG QTLY DIV 97717X594   70,938 1,556 SH   DFND   0 0 1,556
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669   39,025 500 SH   DFND   500 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   70,528 1,560 SH   DFND   0 0 1,560
Wolfspeed Inc COM 977852102   569 25 SH   SOLE   25 0 0
Xylem Inc/NY COM 98419M100   56,965 420 SH   DFND   0 0 420
Xylem Inc/NY COM 98419M100   15,326 113 SH   SOLE   113 0 0
YUM BRANDS INC COM 988498101   198,690 1,500 SH   DFND   0 0 1,500
ZIMMER HLDGS INC COM 98956P102   68,374 630 SH   DFND   200 0 430
Zimvie Inc COM 98888T107   55 3 SH   DFND   0 0 3
iShares/USA MSCI SWITZERLAND 464286749   106,062 2,200 SH   DFND   2,200 0 0
iSun Inc COM 465246106   10 400 SH   DFND   0 0 400