# EDGAR Filing Document

**Accession Number:** 0001831984
**File Stem:** 0001628280-26-008357
**Filing Date:** 2026-2
**Character Count:** 28128
**Document Hash:** 2196a22fcc36e3c45575e01c6f93a7f8
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001628280-26-008357.hdr.sgml**: 20260217

**ACCESSION NUMBER**: 0001628280-26-008357

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260217

**DATE AS OF CHANGE**: 20260217

**EFFECTIVENESS DATE**: 20260217

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Beacon Bank & Trust
- **CENTRAL INDEX KEY:** 0001831984

**ORGANIZATION NAME:**
- **EIN:** 041125010
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20376
- **FILM NUMBER:** 26637590

**BUSINESS ADDRESS:**
- **STREET 1:** 131 CLARENDON STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02116
- **BUSINESS PHONE:** (413) 443-5601

**MAIL ADDRESS:**
- **STREET 1:** 131 CLARENDON STREET
- **CITY:** BOSTON
- **STATE:** MA
- **ZIP:** 02116

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Berkshire Bank
- **DATE OF NAME CHANGE:** 20201110

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2025

**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:** Beacon Bank  Trust<br>**Address:** 131 CLARENDON STREET<br>BOSTON, MA 02116

**Form 13F File Number:** 028-20376

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:** Anna Di Garbo<br>**Title:** Vice President Wealth Management Operations<br>**Phone:** 413-449-2246

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

Anna Di Garbo  Lenox, MA  02-05-2026<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:** 259

**Form 13F Information Table Value Total:** $492849718

      (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 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 1933906 | 7208 | SH |  | SOLE |  | 7138 | 0 | 70 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 336306 | 3501 | SH |  | SOLE |  | 3501 | 0 | 0 |
| SEAGATE TECHNOLOGY HLDNGS PL | ORD SHS | G7997R103 |  | 1181698 | 4291 | SH |  | SOLE |  | 4291 | 0 | 0 |
| SEAGATE TECHNOLOGY HLDNGS PL | ORD SHS | G7997R103 |  | 148710 | 540 | SH |  | OTR |  | 540 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 |  | 4180223 | 13393 | SH |  | SOLE |  | 13335 | 0 | 58 |
| CHUBB LIMITED | COM | H1467J104 |  | 156060 | 500 | SH |  | OTR |  | 462 | 38 | 0 |
| MAGNUM ICE CREAM CO NV | ORD SHS | N5505D105 |  | 188548 | 11895 | SH |  | SOLE |  | 11860 | 0 | 35 |
| MAGNUM ICE CREAM CO NV | ORD SHS | N5505D105 |  | 28 | 1 | SH |  | OTR |  | 1 | 0 | 0 |
| NXP SEMICONDUCTORS N V | COM | N6596X109 |  | 1617531 | 7452 | SH |  | SOLE |  | 7447 | 0 | 5 |
| AT INC | COM | 00206R102 |  | 136446 | 5493 | SH |  | SOLE |  | 5493 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 140346 | 5650 | SH |  | OTR |  | 5650 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 1795656 | 14332 | SH |  | SOLE |  | 14332 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 146088 | 1166 | SH |  | OTR |  | 1166 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 751960 | 3291 | SH |  | SOLE |  | 3291 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 154916 | 678 | SH |  | OTR |  | 678 | 0 | 0 |
| AEYE INC | *W EXP 09/30/202 | 008183113 |  | 3198 | 35500 | SH |  | SOLE |  | 35500 | 0 | 0 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 436731 | 1768 | SH |  | SOLE |  | 1768 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 1959994 | 6246 | SH |  | SOLE |  | 6246 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 61191 | 195 | SH |  | OTR |  | 195 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 16820307 | 53739 | SH |  | SOLE |  | 53539 | 0 | 200 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 457919 | 1463 | SH |  | OTR |  | 1283 | 180 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 7281447 | 31546 | SH |  | SOLE |  | 31446 | 0 | 100 |
| AMAZON COM INC | COM | 023135106 |  | 25390 | 110 | SH |  | OTR |  | 110 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 2348812 | 6349 | SH |  | SOLE |  | 6343 | 0 | 6 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 39584 | 107 | SH |  | OTR |  | 107 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 312253 | 954 | SH |  | SOLE |  | 914 | 0 | 40 |
| AMGEN INC | COM | 031162100 |  | 24548 | 75 | SH |  | OTR |  | 75 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 19303147 | 71004 | SH |  | SOLE |  | 70626 | 0 | 378 |
| APPLE INC | COM | 037833100 |  | 1059166 | 3896 | SH |  | OTR |  | 3704 | 192 | 0 |
| APPLIED MATLS INC | COM | 038222105 |  | 475431 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 492338 | 1914 | SH |  | SOLE |  | 1914 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 174401 | 678 | SH |  | OTR |  | 678 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 3644630 | 66266 | SH |  | SOLE |  | 66048 | 0 | 218 |
| BANK AMERICA CORP | COM | 060505104 |  | 19910 | 362 | SH |  | OTR |  | 362 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 397093 | 790 | SH |  | SOLE |  | 790 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 115106 | 229 | SH |  | OTR |  | 229 | 0 | 0 |
| BEACON FINANCIAL CORP. | COM | 084680107 |  | 201176 | 7629 | SH |  | SOLE |  | 56 | 0 | 7573 |
| BEACON FINANCIAL CORP. | COM | 084680107 |  | 5564 | 211 | SH |  | OTR |  | 0 | 0 | 211 |
| BLACKSTONE INC | COM | 09260D107 |  | 200690 | 1302 | SH |  | SOLE |  | 1302 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 4353072 | 4067 | SH |  | SOLE |  | 4055 | 0 | 12 |
| BLACKROCK INC | COM | 09290D101 |  | 151988 | 142 | SH |  | OTR |  | 116 | 26 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 203502 | 38 | SH |  | SOLE |  | 38 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 26776 | 5 | SH |  | OTR |  | 5 | 0 | 0 |
| BRILLIANT TECH CORP | COM | 109542100 |  | 2 | 20000 | SH |  | SOLE |  | 20000 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 95797 | 1776 | SH |  | SOLE |  | 1776 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 121365 | 2250 | SH |  | OTR |  | 2250 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1971385 | 5696 | SH |  | SOLE |  | 5696 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 393861 | 1138 | SH |  | OTR |  | 1138 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 |  | 312403 | 1144 | SH |  | SOLE |  | 1144 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 421706 | 1740 | SH |  | SOLE |  | 1740 | 0 | 0 |
| CAPITAL ONE FINL CORP | COM | 14040H105 |  | 50895 | 210 | SH |  | OTR |  | 210 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 3806721 | 6645 | SH |  | SOLE |  | 6624 | 0 | 21 |
| CATERPILLAR INC | COM | 149123101 |  | 1145 | 2 | SH |  | OTR |  | 2 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 2155077 | 14140 | SH |  | SOLE |  | 14075 | 0 | 65 |
| CHEVRON CORP NEW | COM | 166764100 |  | 38102 | 250 | SH |  | OTR |  | 250 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 6102316 | 79220 | SH |  | SOLE |  | 78890 | 0 | 330 |
| CISCO SYS INC | COM | 17275R102 |  | 143275 | 1860 | SH |  | OTR |  | 1860 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 269690 | 2881 | SH |  | SOLE |  | 2881 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 49800 | 532 | SH |  | OTR |  | 532 | 0 | 0 |
| CORNING INC | COM | 219350105 |  | 699867 | 7993 | SH |  | SOLE |  | 7993 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 769207 | 892 | SH |  | SOLE |  | 871 | 0 | 21 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 30181 | 35 | SH |  | OTR |  | 35 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 4928418 | 21529 | SH |  | SOLE |  | 21453 | 0 | 76 |
| DANAHER CORPORATION | COM | 235851102 |  | 22892 | 100 | SH |  | OTR |  | 100 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 1568505 | 3369 | SH |  | SOLE |  | 3369 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 2402367 | 21116 | SH |  | SOLE |  | 21041 | 0 | 75 |
| DISNEY WALT CO | COM | 254687106 |  | 7736 | 68 | SH |  | OTR |  | 43 | 25 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 1494396 | 25506 | SH |  | SOLE |  | 25369 | 0 | 137 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 48864 | 834 | SH |  | OTR |  | 834 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 119448 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 212219 | 1599 | SH |  | OTR |  | 1599 | 0 | 0 |
| EVERSOURCE ENERGY | COM | 30040W108 |  | 243061 | 3610 | SH |  | SOLE |  | 3610 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 4499753 | 37392 | SH |  | SOLE |  | 37249 | 0 | 143 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1168140 | 9707 | SH |  | OTR |  | 9707 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1363745 | 2066 | SH |  | SOLE |  | 2066 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 184165 | 279 | SH |  | OTR |  | 200 | 79 | 0 |
| FASTENAL CO | COM | 311900104 |  | 331433 | 8259 | SH |  | SOLE |  | 8259 | 0 | 0 |
| FASTENAL CO | COM | 311900104 |  | 18620 | 464 | SH |  | OTR |  | 464 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 1302180 | 4508 | SH |  | SOLE |  | 4498 | 0 | 10 |
| FEDEX CORP | COM | 31428X106 |  | 577 | 2 | SH |  | OTR |  | 2 | 0 | 0 |
| FIRST TR EXCHANGE-TRADED FD | NASDAQ-100 SEL | 337344105 |  | 208219 | 1465 | SH |  | SOLE |  | 1465 | 0 | 0 |
| FIRST TR EXCHANGE TRADED FD | NASD TECH DIV | 33738R118 |  | 448369 | 4630 | SH |  | SOLE |  | 4255 | 0 | 375 |
| GE VERNOVA INC | COM | 36828A101 |  | 1277729 | 1955 | SH |  | SOLE |  | 1955 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 95421 | 146 | SH |  | OTR |  | 146 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 1094481 | 3251 | SH |  | SOLE |  | 3251 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 8416 | 25 | SH |  | OTR |  | 25 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 1299886 | 4220 | SH |  | SOLE |  | 4220 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 180813 | 587 | SH |  | OTR |  | 587 | 0 | 0 |
| GENUINE PARTS CO | COM | 372460105 |  | 335066 | 2725 | SH |  | SOLE |  | 2725 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 427748 | 3485 | SH |  | SOLE |  | 3485 | 0 | 0 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 44800 | 365 | SH |  | OTR |  | 365 | 0 | 0 |
| HERSHEY CO | COM | 427866108 |  | 268602 | 1476 | SH |  | SOLE |  | 1476 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 4771978 | 13868 | SH |  | SOLE |  | 13796 | 0 | 72 |
| HOME DEPOT INC | COM | 437076102 |  | 158974 | 462 | SH |  | OTR |  | 462 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 1481903 | 7596 | SH |  | SOLE |  | 7571 | 0 | 25 |
| HONEYWELL INTL INC | COM | 438516106 |  | 39603 | 203 | SH |  | OTR |  | 203 | 0 | 0 |
| IDEXX LABS INC | COM | 45168D104 |  | 849045 | 1255 | SH |  | SOLE |  | 1255 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 1183225 | 4804 | SH |  | SOLE |  | 4804 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 14778 | 60 | SH |  | OTR |  | 60 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 554505 | 1872 | SH |  | SOLE |  | 1258 | 0 | 614 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 138330 | 467 | SH |  | OTR |  | 467 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 1443014 | 2349 | SH |  | SOLE |  | 2349 | 0 | 0 |
| INTUIT | COM | 461202103 |  | 243770 | 368 | SH |  | SOLE |  | 368 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 3184286 | 4649 | SH |  | SOLE |  | 4649 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 2021257 | 2951 | SH |  | OTR |  | 2951 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 317044 | 5795 | SH |  | SOLE |  | 5795 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 865806 | 9016 | SH |  | SOLE |  | 9016 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 48687 | 507 | SH |  | OTR |  | 507 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 2007705 | 14234 | SH |  | SOLE |  | 14234 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 3526 | 25 | SH |  | OTR |  | 25 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 4585983 | 33489 | SH |  | SOLE |  | 33316 | 0 | 173 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 96679 | 706 | SH |  | OTR |  | 406 | 300 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 991320 | 15020 | SH |  | SOLE |  | 15020 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 1071510 | 16235 | SH |  | OTR |  | 16235 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 214967 | 1022 | SH |  | SOLE |  | 1022 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 481346 | 1017 | SH |  | SOLE |  | 1017 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 290961 | 1182 | SH |  | SOLE |  | 1182 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 123785 | 1030 | SH |  | SOLE |  | 1030 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 423634 | 3525 | SH |  | OTR |  | 3525 | 0 | 0 |
| ISHARES TR | INTL SEL DIV ETF | 464288448 |  | 689783 | 17485 | SH |  | SOLE |  | 16080 | 0 | 1405 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 240681 | 4467 | SH |  | SOLE |  | 4467 | 0 | 0 |
| ISHARES TR | ISHS 5-10YR INVT | 464288638 |  | 21552 | 400 | SH |  | OTR |  | 400 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 4763377 | 39911 | SH |  | SOLE |  | 39212 | 0 | 699 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 327696 | 2975 | SH |  | SOLE |  | 2975 | 0 | 0 |
| ISHARES TR | TRUST ISHARE 0-1 | 464288679 |  | 99135 | 900 | SH |  | OTR |  | 900 | 0 | 0 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 1203574 | 9897 | SH |  | SOLE |  | 9589 | 0 | 308 |
| ISHARES TR | CORE HIGH DV ETF | 46429B663 |  | 107989 | 888 | SH |  | OTR |  | 888 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 13748207 | 146009 | SH |  | SOLE |  | 144836 | 0 | 1173 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 84555 | 898 | SH |  | OTR |  | 898 | 0 | 0 |
| ISHARES TR | CORE MSCI TOTAL | 46432F834 |  | 285998 | 3379 | SH |  | SOLE |  | 3379 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 32646637 | 364930 | SH |  | SOLE |  | 362275 | 0 | 2655 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 525577 | 5875 | SH |  | OTR |  | 5875 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 4652430 | 69212 | SH |  | SOLE |  | 68369 | 0 | 843 |
| ISHARES TR | MSCI GBL SUS DEV | 46435G532 |  | 773350 | 9182 | SH |  | SOLE |  | 9182 | 0 | 0 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 216771 | 4366 | SH |  | SOLE |  | 4366 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 10446372 | 32420 | SH |  | SOLE |  | 32331 | 0 | 89 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 304820 | 946 | SH |  | OTR |  | 946 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | INCOME ETF | 46641Q159 |  | 3380512 | 73029 | SH |  | SOLE |  | 72071 | 0 | 958 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 21031123 | 415717 | SH |  | SOLE |  | 405648 | 0 | 10069 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 174484 | 3449 | SH |  | OTR |  | 3449 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 5601101 | 27065 | SH |  | SOLE |  | 26840 | 0 | 225 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 547175 | 2644 | SH |  | OTR |  | 2644 | 0 | 0 |
| KLA CORP | COM NEW | 482480100 |  | 620905 | 511 | SH |  | SOLE |  | 511 | 0 | 0 |
| KLA CORP | COM NEW | 482480100 |  | 98421 | 81 | SH |  | OTR |  | 81 | 0 | 0 |
| KIMCO RLTY CORP | COM | 49446R109 |  | 233044 | 11497 | SH |  | SOLE |  | 11497 | 0 | 0 |
| KINERJAPAY CORP | COM | 49460M101 |  | 0 | 595000 | SH |  | SOLE |  | 595000 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 3207919 | 2985 | SH |  | SOLE |  | 2985 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 97795 | 91 | SH |  | OTR |  | 43 | 48 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 636026 | 1315 | SH |  | SOLE |  | 1315 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 721550 | 2992 | SH |  | SOLE |  | 2992 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 12058 | 50 | SH |  | OTR |  | 50 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 1126346 | 1973 | SH |  | SOLE |  | 1925 | 0 | 48 |
| MCDONALDS CORP | COM | 580135101 |  | 812364 | 2658 | SH |  | SOLE |  | 2658 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 2756548 | 26188 | SH |  | SOLE |  | 26111 | 0 | 77 |
| MERCK  CO INC | COM | 58933Y105 |  | 486511 | 4622 | SH |  | OTR |  | 4622 | 0 | 0 |
| METLIFE INC | COM | 59156R108 |  | 3000430 | 38009 | SH |  | SOLE |  | 37861 | 0 | 148 |
| METLIFE INC | COM | 59156R108 |  | 1341 | 17 | SH |  | OTR |  | 17 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 17123533 | 35407 | SH |  | SOLE |  | 35180 | 0 | 227 |
| MICROSOFT CORP | COM | 594918104 |  | 1300937 | 2690 | SH |  | OTR |  | 2690 | 0 | 0 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 195791 | 686 | SH |  | SOLE |  | 686 | 0 | 0 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 52515 | 184 | SH |  | OTR |  | 184 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 1099975 | 6196 | SH |  | SOLE |  | 6196 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 307532 | 3280 | SH |  | SOLE |  | 3280 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 3481984 | 43373 | SH |  | SOLE |  | 43312 | 0 | 61 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 132221 | 1647 | SH |  | OTR |  | 1647 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 219530 | 385 | SH |  | SOLE |  | 385 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 323167 | 2344 | SH |  | SOLE |  | 2344 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 45497 | 330 | SH |  | OTR |  | 330 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 15358461 | 82351 | SH |  | SOLE |  | 81611 | 0 | 740 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 496649 | 2663 | SH |  | OTR |  | 2663 | 0 | 0 |
| NUSHARES ETF TR | NUVEEN ESG LRGCP | 67092P201 |  | 519318 | 5310 | SH |  | SOLE |  | 5310 | 0 | 0 |
| OMNICOM GROUP INC | COM | 681919106 |  | 498246 | 6170 | SH |  | SOLE |  | 6170 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 804588 | 4128 | SH |  | SOLE |  | 4128 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 30211 | 155 | SH |  | OTR |  | 0 | 155 | 0 |
| OWENS CORNING NEW | COM | 690742101 |  | 2318887 | 20721 | SH |  | SOLE |  | 20634 | 0 | 87 |
| OWENS CORNING NEW | COM | 690742101 |  | 559 | 5 | SH |  | OTR |  | 5 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 383228 | 1836 | SH |  | SOLE |  | 1836 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 468236 | 2542 | SH |  | SOLE |  | 2542 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 62628 | 340 | SH |  | OTR |  | 100 | 240 | 0 |
| PAYCHEX INC | COM | 704326107 |  | 346524 | 3089 | SH |  | SOLE |  | 3089 | 0 | 0 |
| PAYCHEX INC | COM | 704326107 |  | 49247 | 439 | SH |  | OTR |  | 439 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 1290818 | 8994 | SH |  | SOLE |  | 8994 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 196622 | 1370 | SH |  | OTR |  | 1370 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 368121 | 14784 | SH |  | SOLE |  | 14784 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 4108 | 165 | SH |  | OTR |  | 165 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 4299443 | 30001 | SH |  | SOLE |  | 29835 | 0 | 166 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 113501 | 792 | SH |  | OTR |  | 792 | 0 | 0 |
| PROFESIONALLY MANAGED PORTFO | CONGRESS SMID GR | 74316P645 |  | 3302645 | 104448 | SH |  | SOLE |  | 104416 | 0 | 32 |
| PROLOGIS INC. | COM | 74340W103 |  | 232341 | 1820 | SH |  | SOLE |  | 1820 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 357174 | 4448 | SH |  | SOLE |  | 4448 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 34529 | 430 | SH |  | OTR |  | 430 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 556254 | 3252 | SH |  | SOLE |  | 3252 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 64143 | 375 | SH |  | OTR |  | 280 | 95 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 392842 | 2142 | SH |  | SOLE |  | 2142 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 43099 | 235 | SH |  | OTR |  | 235 | 0 | 0 |
| ROYAL BK CDA | COM | 780087102 |  | 416677 | 2444 | SH |  | SOLE |  | 2444 | 0 | 0 |
| ROYAL BK CDA | COM | 780087102 |  | 46202 | 271 | SH |  | OTR |  | 271 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 46804943 | 68637 | SH |  | SOLE |  | 66922 | 0 | 1715 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 233216 | 342 | SH |  | OTR |  | 342 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 219555 | 554 | SH |  | SOLE |  | 554 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 71335 | 180 | SH |  | OTR |  | 180 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 755969 | 7085 | SH |  | SOLE |  | 7085 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 532147 | 3824 | SH |  | SOLE |  | 3475 | 0 | 349 |
| SPDR DOW JONES INDL AVERAGE | UT SER 1 | 78467X109 |  | 1074554 | 2236 | SH |  | SOLE |  | 2236 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R663 |  | 1270913 | 13908 | SH |  | SOLE |  | 13908 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R788 |  | 580761 | 13428 | SH |  | SOLE |  | 12626 | 0 | 802 |
| SPDR SERIES TRUST | STATE STREET SPD | 78468R788 |  | 43250 | 1000 | SH |  | OTR |  | 1000 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 1360577 | 5136 | SH |  | SOLE |  | 5136 | 0 | 0 |
| SANOFI SA | SPONSORED ADR | 80105N105 |  | 257080 | 5305 | SH |  | SOLE |  | 5305 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 265130 | 5930 | SH |  | SOLE |  | 5930 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 1794442 | 12464 | SH |  | SOLE |  | 12464 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 |  | 1532694 | 37985 | SH |  | SOLE |  | 37701 | 0 | 284 |
| SELECT SECTOR SPDR TR | STATE STREET REA | 81369Y860 |  | 4156 | 103 | SH |  | OTR |  | 103 | 0 | 0 |
| SHERWIN WILLIAMS CO | COM | 824348106 |  | 440680 | 1360 | SH |  | SOLE |  | 1360 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 245729 | 2818 | SH |  | SOLE |  | 2818 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 2180 | 25 | SH |  | OTR |  | 25 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 2774152 | 7893 | SH |  | SOLE |  | 7872 | 0 | 21 |
| STRYKER CORPORATION | COM | 863667101 |  | 36904 | 105 | SH |  | OTR |  | 105 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 6238409 | 40612 | SH |  | SOLE |  | 40493 | 0 | 119 |
| TJX COS INC NEW | COM | 872540109 |  | 158218 | 1030 | SH |  | OTR |  | 1030 | 0 | 0 |
| T-MOBILE US INC | COM | 872590104 |  | 2376380 | 11704 | SH |  | SOLE |  | 11640 | 0 | 64 |
| T-MOBILE US INC | COM | 872590104 |  | 609 | 3 | SH |  | OTR |  | 3 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 633655 | 1409 | SH |  | SOLE |  | 1409 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 1784171 | 10284 | SH |  | SOLE |  | 10254 | 0 | 30 |
| TEXAS INSTRS INC | COM | 882508104 |  | 30360 | 175 | SH |  | OTR |  | 175 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 270889 | 1692 | SH |  | SOLE |  | 1692 | 0 | 0 |
| ULTA BEAUTY INC | COM | 90384S303 |  | 297664 | 492 | SH |  | SOLE |  | 492 | 0 | 0 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 3455750 | 52840 | SH |  | SOLE |  | 52683 | 0 | 156 |
| UNILEVER PLC | SPON ADR NEW | 904767803 |  | 523 | 8 | SH |  | OTR |  | 8 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 3232465 | 13974 | SH |  | SOLE |  | 13926 | 0 | 48 |
| UNION PAC CORP | COM | 907818108 |  | 105944 | 458 | SH |  | OTR |  | 458 | 0 | 0 |
| VANECK MERK GOLD ETF | GOLD SHS | 921078101 |  | 468848 | 11303 | SH |  | SOLE |  | 11303 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 5039555 | 22930 | SH |  | SOLE |  | 22295 | 0 | 635 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 70329 | 320 | SH |  | OTR |  | 320 | 0 | 0 |
| VANGUARD WELLINGTON FD | SHORT TRM TAX EX | 921935870 |  | 9193654 | 90511 | SH |  | SOLE |  | 84061 | 0 | 6450 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 475771 | 7616 | SH |  | SOLE |  | 7311 | 0 | 305 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 55285 | 885 | SH |  | OTR |  | 670 | 215 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 3628347 | 49325 | SH |  | SOLE |  | 49325 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | ALLWRLD EX US | 922042775 |  | 161684 | 2198 | SH |  | OTR |  | 2198 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 236275 | 4395 | SH |  | SOLE |  | 4395 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 10752 | 200 | SH |  | OTR |  | 200 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 35742585 | 608591 | SH |  | SOLE |  | 598743 | 0 | 9848 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 372179 | 4668 | SH |  | SOLE |  | 4493 | 0 | 175 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 16743 | 210 | SH |  | OTR |  | 210 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 21433365 | 357640 | SH |  | SOLE |  | 348777 | 0 | 8863 |
| VANGUARD SCOTTSDALE FDS | INTER TERM TREAS | 92206C706 |  | 85939 | 1434 | SH |  | OTR |  | 1434 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 441499 | 704 | SH |  | SOLE |  | 704 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 740641 | 2552 | SH |  | SOLE |  | 2552 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2468319 | 60602 | SH |  | SOLE |  | 60426 | 0 | 176 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 84514 | 2075 | SH |  | OTR |  | 2075 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 6919157 | 19729 | SH |  | SOLE |  | 19729 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 219193 | 625 | SH |  | OTR |  | 525 | 100 | 0 |
| VULCAN MATLS CO | COM | 929160109 |  | 203932 | 715 | SH |  | SOLE |  | 715 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 7552372 | 67789 | SH |  | SOLE |  | 67515 | 0 | 274 |
| WALMART INC | COM | 931142103 |  | 173131 | 1554 | SH |  | OTR |  | 1554 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 426017 | 1939 | SH |  | SOLE |  | 1939 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 16478 | 75 | SH |  | OTR |  | 75 | 0 | 0 |
| WILLIAMS SONOMA INC | COM | 969904101 |  | 214308 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| XYLEM INC | COM | 98419M100 |  | 381031 | 2798 | SH |  | SOLE |  | 2798 | 0 | 0 |

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