# EDGAR Filing Document

**Accession Number:** 0001339908
**File Stem:** 0001339908-26-000002
**Filing Date:** 2026-4
**Character Count:** 30570
**Document Hash:** 290db8ab1636d6765a8178b7c534c917
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001339908-26-000002.hdr.sgml**: 20260430

**ACCESSION NUMBER**: 0001339908-26-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260430

**DATE AS OF CHANGE**: 20260430

**EFFECTIVENESS DATE**: 20260430

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** FIRST NATIONAL BANK & TRUST CO OF NEWTOWN
- **CENTRAL INDEX KEY:** 0001339908

**ORGANIZATION NAME:**
- **EIN:** 230916895
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-11607
- **FILM NUMBER:** 26926439

**BUSINESS ADDRESS:**
- **STREET 1:** 34 SOUTH STATE STREET
- **CITY:** NEWTOWN
- **STATE:** PA
- **ZIP:** 18940
- **BUSINESS PHONE:** 215-968-4872

**MAIL ADDRESS:**
- **STREET 1:** 34 SOUTH STATE STREET
- **CITY:** NEWTOWN
- **STATE:** PA
- **ZIP:** 18940

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**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:** FIRST NATIONAL BANK  TRUST CO OF NEWTOWN<br>**Address:** 34 SOUTH STATE STREET<br>NEWTOWN, PA 18940

**Form 13F File Number:** 028-11607

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:** William Chu<br>**Title:** Portfolio Manager<br>**Phone:** 215-968-4872

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

William Chu  Newtown, PA  04-30-2026<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:** 237

**Form 13F Information Table Value Total:** $545492133

      (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 |
| AON PLC NPV | COMMON STOCK | G0403H108 |  | 2149002 | 6658 | SH |  | SOLE |  | 6658 | 0 | 0 |
| EATON CORP PLC | COMMON STOCK | G29183103 |  | 469606 | 1313 | SH |  | SOLE |  | 1313 | 0 | 0 |
| EATON CORP PLC | COMMON STOCK | G29183103 |  | 17883 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| JOHNSON CONTROLS            INTERNATIONAL PLC | FOREIGN EQUITIES | G51502105 |  | 204142 | 1559 | SH |  | SOLE |  | 1559 | 0 | 0 |
| JOHNSON CONTROLS            INTERNATIONAL PLC | FOREIGN EQUITIES | G51502105 |  | 67962 | 519 | SH |  | DFND |  | 519 | 0 | 0 |
| MEDTRONIC PLC | FOREIGN EQUITIES | G5960L103 |  | 261587 | 3019 | SH |  | SOLE |  | 3019 | 0 | 0 |
| MEDTRONIC PLC | FOREIGN EQUITIES | G5960L103 |  | 226154 | 2610 | SH |  | DFND |  | 2610 | 0 | 0 |
| TE CONNECTIVITY PLC | FOREIGN EQUITIES | G87052109 |  | 555142 | 2656 | SH |  | SOLE |  | 2656 | 0 | 0 |
| TE CONNECTIVITY PLC | FOREIGN EQUITIES | G87052109 |  | 495375 | 2370 | SH |  | DFND |  | 2370 | 0 | 0 |
| A T  T  INC | COMMON STOCK | 00206R102 |  | 1434520 | 49501 | SH |  | SOLE |  | 49501 | 0 | 0 |
| A T  T  INC | COMMON STOCK | 00206R102 |  | 2898 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| ABBOTT LABS                 COM | COMMON STOCK | 002824100 |  | 823818 | 8024 | SH |  | SOLE |  | 8024 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 2067664 | 9507 | SH |  | SOLE |  | 9507 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 32622 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| ALLSTATE CORP               COM | COMMON STOCK | 020002101 |  | 254819 | 1229 | SH |  | SOLE |  | 1229 | 0 | 0 |
| ALPHABET INC - CLASS C | COMMON STOCK | 02079K107 |  | 2428470 | 8466 | SH |  | SOLE |  | 8466 | 0 | 0 |
| ALPHABET INC - CLASS A | COMMON STOCK | 02079K305 |  | 3539736 | 12310 | SH |  | SOLE |  | 12310 | 0 | 0 |
| ALPHABET INC - CLASS A | COMMON STOCK | 02079K305 |  | 25879 | 90 | SH |  | DFND |  | 90 | 0 | 0 |
| ALTRIA GROUP INC  COM | COMMON STOCK | 02209S103 |  | 576412 | 8735 | SH |  | SOLE |  | 8735 | 0 | 0 |
| ALTRIA GROUP INC  COM | COMMON STOCK | 02209S103 |  | 46192 | 700 | SH |  | DFND |  | 700 | 0 | 0 |
| AMAZON COM INC. | COMMON STOCK | 023135106 |  | 1141931 | 5483 | SH |  | SOLE |  | 5483 | 0 | 0 |
| AMAZON COM INC. | COMMON STOCK | 023135106 |  | 37488 | 180 | SH |  | DFND |  | 180 | 0 | 0 |
| AMERICAN ELEC PWR INC       COM | COMMON STOCK | 025537101 |  | 848217 | 6471 | SH |  | SOLE |  | 6471 | 0 | 0 |
| AMERICAN ELEC PWR INC       COM | COMMON STOCK | 025537101 |  | 39324 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| AMETEK INC NEW              COM | COMMON STOCK | 031100100 |  | 407284 | 1900 | SH |  | DFND |  | 1900 | 0 | 0 |
| AMGEN INC                   COM | COMMON STOCK | 031162100 |  | 401447 | 1141 | SH |  | SOLE |  | 1141 | 0 | 0 |
| AMGEN INC                   COM | COMMON STOCK | 031162100 |  | 70368 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| APPLE  INC | COMMON STOCK | 037833100 |  | 19667152 | 77494 | SH |  | SOLE |  | 77494 | 0 | 0 |
| APPLE  INC | COMMON STOCK | 037833100 |  | 9577523 | 37738 | SH |  | DFND |  | 37738 | 0 | 0 |
| AQUESTIVE THERAPEUTICS INC | COMMON STOCK | 03843E104 |  | 62250 | 15000 | SH |  | SOLE |  | 15000 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INCOM | COMMON STOCK | 053015103 |  | 558135 | 2747 | SH |  | SOLE |  | 2747 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INCOM | COMMON STOCK | 053015103 |  | 243816 | 1200 | SH |  | DFND |  | 1200 | 0 | 0 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 564956 | 11589 | SH |  | SOLE |  | 11589 | 0 | 0 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 625462 | 12830 | SH |  | DFND |  | 12830 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 567877 | 4787 | SH |  | SOLE |  | 4787 | 0 | 0 |
| BANK NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 160150 | 1350 | SH |  | DFND |  | 1350 | 0 | 0 |
| BERKSHIRE HATHAWAY INC.     DELWARE CL | COMMON STOCK | 084670108 |  | 2872560 | 4 | SH |  | SOLE |  | 4 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | COMMON STOCK | 084670702 |  | 1668573 | 3482 | SH |  | SOLE |  | 3482 | 0 | 0 |
| I SHARES FLEX I  ACTIVE ETF | ETF - FIXED INCOME | 092528603 |  | 7358712 | 141705 | SH |  | SOLE |  | 141705 | 0 | 0 |
| I SHARES FLEX I  ACTIVE ETF | ETF - FIXED INCOME | 092528603 |  | 434913 | 8375 | SH |  | DFND |  | 8375 | 0 | 0 |
| I SHRS US E F R A ETF-USD   INC | ETF - EQUITY LARGE CAP | 09290C103 |  | 215555 | 3705 | SH |  | SOLE |  | 3705 | 0 | 0 |
| I SHRS US E F R A ETF-USD   INC | ETF - EQUITY LARGE CAP | 09290C103 |  | 2327 | 40 | SH |  | DFND |  | 40 | 0 | 0 |
| BOEING CO                   COM | COMMON STOCK | 097023105 |  | 224500 | 1128 | SH |  | SOLE |  | 1128 | 0 | 0 |
| BOEING CO                   COM | COMMON STOCK | 097023105 |  | 29854 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO     COM | COMMON STOCK | 110122108 |  | 1299107 | 21420 | SH |  | SOLE |  | 21420 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO     COM | COMMON STOCK | 110122108 |  | 133430 | 2200 | SH |  | DFND |  | 2200 | 0 | 0 |
| CVS HEALTH CORPORATION | COMMON STOCK | 126650100 |  | 173923 | 2422 | SH |  | SOLE |  | 2422 | 0 | 0 |
| CVS HEALTH CORPORATION | COMMON STOCK | 126650100 |  | 340020 | 4735 | SH |  | DFND |  | 4735 | 0 | 0 |
| CATERPILLAR INC             COM | COMMON STOCK | 149123101 |  | 1757684 | 2481 | SH |  | SOLE |  | 2481 | 0 | 0 |
| CATERPILLAR INC             COM | COMMON STOCK | 149123101 |  | 3428946 | 4840 | SH |  | DFND |  | 4840 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 4119359 | 19910 | SH |  | SOLE |  | 19910 | 0 | 0 |
| CHEVRON CORPORATION | COMMON STOCK | 166764100 |  | 931256 | 4501 | SH |  | DFND |  | 4501 | 0 | 0 |
| CISCO SYS INC               COM | COMMON STOCK | 17275R102 |  | 485939 | 6263 | SH |  | SOLE |  | 6263 | 0 | 0 |
| COCA COLA CO                COM | COMMON STOCK | 191216100 |  | 442929 | 5825 | SH |  | SOLE |  | 5825 | 0 | 0 |
| COCA COLA CO                COM | COMMON STOCK | 191216100 |  | 60832 | 800 | SH |  | DFND |  | 800 | 0 | 0 |
| COLGATE PALMOLIVE CO        COM | COMMON STOCK | 194162103 |  | 228131 | 2677 | SH |  | SOLE |  | 2677 | 0 | 0 |
| COMCAST CORP CLASS A | COMMON STOCK | 20030N101 |  | 313572 | 10926 | SH |  | SOLE |  | 10926 | 0 | 0 |
| CONOCOPHILLIPS COM | COMMON STOCK | 20825C104 |  | 1264032 | 9576 | SH |  | SOLE |  | 9576 | 0 | 0 |
| CONSTELLATION ENERGY CORP   NPV | COMMON STOCK | 21037T109 |  | 605691 | 2169 | SH |  | SOLE |  | 2169 | 0 | 0 |
| CORNING INC                 COM | COMMON STOCK | 219350105 |  | 3013089 | 22160 | SH |  | SOLE |  | 22160 | 0 | 0 |
| CORNING INC                 COM | COMMON STOCK | 219350105 |  | 1135349 | 8350 | SH |  | DFND |  | 8350 | 0 | 0 |
| CORTEVA INC | COMMON STOCK | 22052L104 |  | 678773 | 8109 | SH |  | SOLE |  | 8109 | 0 | 0 |
| CORTEVA INC | COMMON STOCK | 22052L104 |  | 31558 | 377 | SH |  | DFND |  | 377 | 0 | 0 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 1427863 | 1433 | SH |  | SOLE |  | 1433 | 0 | 0 |
| DEERE  CO                  COM | COMMON STOCK | 244199105 |  | 806626 | 1432 | SH |  | SOLE |  | 1432 | 0 | 0 |
| DEERE  CO                  COM | COMMON STOCK | 244199105 |  | 16898 | 30 | SH |  | DFND |  | 30 | 0 | 0 |
| DEVON ENERGY CORP NEW | COMMON STOCK | 25179M103 |  | 5031 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| DEVON ENERGY CORP NEW | COMMON STOCK | 25179M103 |  | 196661 | 3909 | SH |  | DFND |  | 3909 | 0 | 0 |
| DIMENSIONAL US EQUITY MARKETETF TR | ETF - EQUITY LARGE CAP | 25434V401 |  | 6638641 | 93634 | SH |  | SOLE |  | 93634 | 0 | 0 |
| DIMENSIONAL US EQUITY MARKETETF TR | ETF - EQUITY LARGE CAP | 25434V401 |  | 838958 | 11833 | SH |  | DFND |  | 11833 | 0 | 0 |
| DISNEY (WALT) COMPANY       HOLDING CO | COMMON STOCK | 254687106 |  | 902490 | 9364 | SH |  | SOLE |  | 9364 | 0 | 0 |
| DISNEY (WALT) COMPANY       HOLDING CO | COMMON STOCK | 254687106 |  | 32286 | 335 | SH |  | DFND |  | 335 | 0 | 0 |
| DOMINION ENERGY INC NPV | COMMON STOCK | 25746U109 |  | 130603 | 2113 | SH |  | SOLE |  | 2113 | 0 | 0 |
| DOMINION ENERGY INC NPV | COMMON STOCK | 25746U109 |  | 216335 | 3500 | SH |  | DFND |  | 3500 | 0 | 0 |
| DOW HOLDINGS INC | COMMON STOCK | 260557103 |  | 248336 | 5963 | SH |  | SOLE |  | 5963 | 0 | 0 |
| DOW HOLDINGS INC | COMMON STOCK | 260557103 |  | 8871 | 213 | SH |  | DFND |  | 213 | 0 | 0 |
| DUKE ENERGY CORP NEW | COMMON STOCK | 26441C204 |  | 768082 | 5866 | SH |  | SOLE |  | 5866 | 0 | 0 |
| DUKE ENERGY CORP NEW | COMMON STOCK | 26441C204 |  | 26188 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| DUPONT DE NEMOURS INC. | COMMON STOCK | 26614N102 |  | 415338 | 9071 | SH |  | SOLE |  | 9071 | 0 | 0 |
| DUPONT DE NEMOURS INC. | COMMON STOCK | 26614N102 |  | 9753 | 213 | SH |  | DFND |  | 213 | 0 | 0 |
| EMERSON ELEC CO             COM | COMMON STOCK | 291011104 |  | 943078 | 7198 | SH |  | SOLE |  | 7198 | 0 | 0 |
| EMERSON ELEC CO             COM | COMMON STOCK | 291011104 |  | 410747 | 3135 | SH |  | DFND |  | 3135 | 0 | 0 |
| ESSENTIAL UTILITIES INC | COMMON STOCK | 29670G102 |  | 3326876 | 82615 | SH |  | SOLE |  | 82615 | 0 | 0 |
| ESSENTIAL UTILITIES INC | COMMON STOCK | 29670G102 |  | 415744 | 10324 | SH |  | DFND |  | 10324 | 0 | 0 |
| EXELON CORP | COMMON STOCK | 30161N101 |  | 395585 | 8070 | SH |  | SOLE |  | 8070 | 0 | 0 |
| EXXON MOBIL CORP            COM | COMMON STOCK | 30231G102 |  | 6000677 | 35369 | SH |  | SOLE |  | 35369 | 0 | 0 |
| EXXON MOBIL CORP            COM | COMMON STOCK | 30231G102 |  | 1195932 | 7049 | SH |  | DFND |  | 7049 | 0 | 0 |
| META PLATFORMS INC | COMMON STOCK | 30303M102 |  | 411929 | 720 | SH |  | SOLE |  | 720 | 0 | 0 |
| GE VERNOVA INC | COMMON STOCK | 36828A101 |  | 1331151 | 1525 | SH |  | SOLE |  | 1525 | 0 | 0 |
| GE VERNOVA INC | COMMON STOCK | 36828A101 |  | 156246 | 179 | SH |  | DFND |  | 179 | 0 | 0 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 213817 | 623 | SH |  | SOLE |  | 623 | 0 | 0 |
| GE AEROSPACE | COMMON STOCK | 369604301 |  | 1941465 | 6842 | SH |  | SOLE |  | 6842 | 0 | 0 |
| GE AEROSPACE | COMMON STOCK | 369604301 |  | 247152 | 871 | SH |  | DFND |  | 871 | 0 | 0 |
| H P INC | COMMON STOCK | 40434L105 |  | 189385 | 9864 | SH |  | SOLE |  | 9864 | 0 | 0 |
| H P INC | COMMON STOCK | 40434L105 |  | 57600 | 3000 | SH |  | DFND |  | 3000 | 0 | 0 |
| THE HERSHEY COMPANY         COM | COMMON STOCK | 427866108 |  | 322434 | 1551 | SH |  | SOLE |  | 1551 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE  CO | COMMON STOCK | 42824C109 |  | 202866 | 8524 | SH |  | SOLE |  | 8524 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE  CO | COMMON STOCK | 42824C109 |  | 71400 | 3000 | SH |  | DFND |  | 3000 | 0 | 0 |
| HOME DEPOT INC              COM | COMMON STOCK | 437076102 |  | 6073728 | 18468 | SH |  | SOLE |  | 18468 | 0 | 0 |
| HOME DEPOT INC              COM | COMMON STOCK | 437076102 |  | 741622 | 2255 | SH |  | DFND |  | 2255 | 0 | 0 |
| HONEYWELL INTL INC          COM | COMMON STOCK | 438516106 |  | 2978373 | 13177 | SH |  | SOLE |  | 13177 | 0 | 0 |
| HONEYWELL INTL INC          COM | COMMON STOCK | 438516106 |  | 845349 | 3740 | SH |  | DFND |  | 3740 | 0 | 0 |
| ILLINOIS TOOL WKS INC       COM | COMMON STOCK | 452308109 |  | 300362 | 1154 | SH |  | SOLE |  | 1154 | 0 | 0 |
| INTEL CORP                  COM | COMMON STOCK | 458140100 |  | 604709 | 13703 | SH |  | SOLE |  | 13703 | 0 | 0 |
| INTEL CORP                  COM | COMMON STOCK | 458140100 |  | 141877 | 3215 | SH |  | DFND |  | 3215 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHSCOM | COMMON STOCK | 459200101 |  | 1613577 | 6657 | SH |  | SOLE |  | 6657 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHSCOM | COMMON STOCK | 459200101 |  | 315107 | 1300 | SH |  | DFND |  | 1300 | 0 | 0 |
| INVESCO WATER RESOURCES ETF | ETF - EQUITY SMALL CAP | 46137V142 |  | 5887731 | 88061 | SH |  | SOLE |  | 88061 | 0 | 0 |
| INVESCO WATER RESOURCES ETF | ETF - EQUITY SMALL CAP | 46137V142 |  | 456987 | 6835 | SH |  | DFND |  | 6835 | 0 | 0 |
| INVESCO PREFERRED ETF | ETF - FIXED INCOME | 46138E511 |  | 5559850 | 511022 | SH |  | SOLE |  | 511022 | 0 | 0 |
| INVESCO PREFERRED ETF | ETF - FIXED INCOME | 46138E511 |  | 208025 | 19120 | SH |  | DFND |  | 19120 | 0 | 0 |
| I SHARES CORE S  P TOTAL   U S STOCK MARKET | ETF - EQUITY LARGE CAP | 464287150 |  | 2724680 | 19130 | SH |  | SOLE |  | 19130 | 0 | 0 |
| I SHARES SELECT DIVIDEND    ETF | ETF - EQUITY LARGE CAP | 464287168 |  | 20888813 | 137963 | SH |  | SOLE |  | 137963 | 0 | 0 |
| I SHARES SELECT DIVIDEND    ETF | ETF - EQUITY LARGE CAP | 464287168 |  | 1999366 | 13205 | SH |  | DFND |  | 13205 | 0 | 0 |
| I SHRS  TIPS BOND ETF | ETF - FIXED INCOME | 464287176 |  | 7625241 | 69095 | SH |  | SOLE |  | 69095 | 0 | 0 |
| I SHRS  TIPS BOND ETF | ETF - FIXED INCOME | 464287176 |  | 379637 | 3440 | SH |  | DFND |  | 3440 | 0 | 0 |
| I SHARES CORE S  P 500 ETF | ETF - EQUITY LARGE CAP | 464287200 |  | 3279744 | 5021 | SH |  | SOLE |  | 5021 | 0 | 0 |
| I SHARES CORE S  P 500 ETF | ETF - EQUITY LARGE CAP | 464287200 |  | 444182 | 680 | SH |  | DFND |  | 680 | 0 | 0 |
| ISHARES S  P GROWTH ETF | ETF - EQUITY LARGE CAP | 464287309 |  | 883839 | 7814 | SH |  | SOLE |  | 7814 | 0 | 0 |
| ISHARES S  P GROWTH ETF | ETF - EQUITY LARGE CAP | 464287309 |  | 5089 | 45 | SH |  | DFND |  | 45 | 0 | 0 |
| I SHARES MSCI EAFE ETF | ETF - FOREIGN EQUITY | 464287465 |  | 344027 | 3542 | SH |  | SOLE |  | 3542 | 0 | 0 |
| I SHARES RUSSELL MID-CAP    ETF | ETF - EQUITY MID CAP | 464287499 |  | 519593 | 5344 | SH |  | SOLE |  | 5344 | 0 | 0 |
| I SHARES CORE S  P MID-CAP ETF | ETF - EQUITY MID CAP | 464287507 |  | 798820 | 11831 | SH |  | SOLE |  | 11831 | 0 | 0 |
| I SHARES CORE S  P MID-CAP ETF | ETF - EQUITY MID CAP | 464287507 |  | 82374 | 1220 | SH |  | DFND |  | 1220 | 0 | 0 |
| I SHARES RUSSELL 1000 VALUE INDEX FUND | COMMON STOCK | 464287598 |  | 319433 | 1495 | SH |  | SOLE |  | 1495 | 0 | 0 |
| I SHARES RUSSELL 1000 VALUE INDEX FUND | COMMON STOCK | 464287598 |  | 315590 | 1477 | SH |  | DFND |  | 1477 | 0 | 0 |
| I SHARES RUSSELL 1000       GROWTH ETF | ETF - EQUITY SMALL CAP | 464287614 |  | 605898 | 1421 | SH |  | SOLE |  | 1421 | 0 | 0 |
| I SHARES CORE S  P SMALL   CAP ETF | ETF - EQUITY SMALL CAP | 464287804 |  | 1064577 | 8564 | SH |  | SOLE |  | 8564 | 0 | 0 |
| I SHARES CORE S  P SMALL   CAP ETF | ETF - EQUITY SMALL CAP | 464287804 |  | 76449 | 615 | SH |  | DFND |  | 615 | 0 | 0 |
| I SHRS 0-5 YEAR TIPS BOND   ETF | ETF - FIXED INCOME | 46429B747 |  | 458704 | 4435 | SH |  | SOLE |  | 4435 | 0 | 0 |
| I SHRS 0-5 YEAR TIPS BOND   ETF | ETF - FIXED INCOME | 46429B747 |  | 149559 | 1446 | SH |  | DFND |  | 1446 | 0 | 0 |
| I SHRS MOMENTUM | ETF - EQUITY LARGE CAP | 46432F396 |  | 1494145 | 6226 | SH |  | SOLE |  | 6226 | 0 | 0 |
| I SHRS MOMENTUM | ETF - EQUITY LARGE CAP | 46432F396 |  | 58797 | 245 | SH |  | DFND |  | 245 | 0 | 0 |
| I SHARES MSCI EAFE CORE | ETF - FOREIGN EQUITY | 46432F842 |  | 18285386 | 201984 | SH |  | SOLE |  | 201984 | 0 | 0 |
| I SHARES MSCI EAFE CORE | ETF - FOREIGN EQUITY | 46432F842 |  | 1649534 | 18221 | SH |  | DFND |  | 18221 | 0 | 0 |
| I SHRS CONVERTIBLE BOND ETF | ETF - FIXED INCOME | 46435G102 |  | 230040 | 2260 | SH |  | SOLE |  | 2260 | 0 | 0 |
| I SHRS CONVERTIBLE BOND ETF | ETF - FIXED INCOME | 46435G102 |  | 27992 | 275 | SH |  | DFND |  | 275 | 0 | 0 |
| ISHARES IBONDS DEC 2027 TERMCORPORATE ETF | ETF - FIXED INCOME | 46435UAA9 |  | 824056 | 34010 | SH |  | SOLE |  | 34010 | 0 | 0 |
| ISHARES IBONDS DEC 2028     CORPORATE ETF | ETF - FIXED INCOME | 46435U515 |  | 1226745 | 48450 | SH |  | SOLE |  | 48450 | 0 | 0 |
| ISHARES IBONDS DEC 2029 TERMCORPORATE ETF | ETF - FIXED INCOME | 46436E205 |  | 2271288 | 97690 | SH |  | SOLE |  | 97690 | 0 | 0 |
| ISHARES IBONDS DEC 2029 TERMCORPORATE ETF | ETF - FIXED INCOME | 46436E205 |  | 83700 | 3600 | SH |  | DFND |  | 3600 | 0 | 0 |
| J P MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 2177878 | 7404 | SH |  | SOLE |  | 7404 | 0 | 0 |
| J P MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 154428 | 525 | SH |  | DFND |  | 525 | 0 | 0 |
| JOHNSON  JOHNSON           COM | COMMON STOCK | 478160104 |  | 10013708 | 40966 | SH |  | SOLE |  | 40966 | 0 | 0 |
| JOHNSON  JOHNSON           COM | COMMON STOCK | 478160104 |  | 1258863 | 5150 | SH |  | DFND |  | 5150 | 0 | 0 |
| KIMBERLY-CLARK CORP         COM | COMMON STOCK | 494368103 |  | 1327301 | 13759 | SH |  | SOLE |  | 13759 | 0 | 0 |
| KIMBERLY-CLARK CORP         COM | COMMON STOCK | 494368103 |  | 223810 | 2320 | SH |  | DFND |  | 2320 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COMMON STOCK | 502431109 |  | 508733 | 1474 | SH |  | SOLE |  | 1474 | 0 | 0 |
| ELI LILLY  CO              COM | COMMON STOCK | 532457108 |  | 2256190 | 2453 | SH |  | SOLE |  | 2453 | 0 | 0 |
| LOCKHEED MARTIN CORP        COM | COMMON STOCK | 539830109 |  | 1723704 | 2852 | SH |  | SOLE |  | 2852 | 0 | 0 |
| LOCKHEED MARTIN CORP        COM | COMMON STOCK | 539830109 |  | 45329 | 75 | SH |  | DFND |  | 75 | 0 | 0 |
| LOWES COS INC               COM | COMMON STOCK | 548661107 |  | 264394 | 1119 | SH |  | SOLE |  | 1119 | 0 | 0 |
| MANULIFE FINANCIAL | FOREIGN EQUITIES | 56501R106 |  | 354835 | 10306 | SH |  | SOLE |  | 10306 | 0 | 0 |
| MARATHON PETROLEUM CORP | COMMON STOCK | 56585A102 |  | 200227 | 820 | SH |  | SOLE |  | 820 | 0 | 0 |
| MCDONALDS CORP              COM | COMMON STOCK | 580135101 |  | 2378064 | 7652 | SH |  | SOLE |  | 7652 | 0 | 0 |
| MCDONALDS CORP              COM | COMMON STOCK | 580135101 |  | 292131 | 940 | SH |  | DFND |  | 940 | 0 | 0 |
| MCKESSON CORP USD | COMMON STOCK | 58155Q103 |  | 660261 | 763 | SH |  | SOLE |  | 763 | 0 | 0 |
| MERCK  CO INC  NEW | COMMON STOCK | 58933Y105 |  | 2742351 | 22798 | SH |  | SOLE |  | 22798 | 0 | 0 |
| MERCK  CO INC  NEW | COMMON STOCK | 58933Y105 |  | 406579 | 3380 | SH |  | DFND |  | 3380 | 0 | 0 |
| MICROSOFT CORP              COM | COMMON STOCK | 594918104 |  | 9008544 | 24337 | SH |  | SOLE |  | 24337 | 0 | 0 |
| MICROSOFT CORP              COM | COMMON STOCK | 594918104 |  | 958342 | 2589 | SH |  | DFND |  | 2589 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC | COMMON STOCK | 609207105 |  | 207172 | 3595 | SH |  | SOLE |  | 3595 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC | COMMON STOCK | 609207105 |  | 22071 | 383 | SH |  | DFND |  | 383 | 0 | 0 |
| NEXTERA ENERGY INC          COM | COMMON STOCK | 65339F101 |  | 2516766 | 27097 | SH |  | SOLE |  | 27097 | 0 | 0 |
| NEXTERA ENERGY INC          COM | COMMON STOCK | 65339F101 |  | 404956 | 4360 | SH |  | DFND |  | 4360 | 0 | 0 |
| NUVEEN SELECT TAX-FREE      INCOME PORTFOLIO | MUTUAL FUNDS-NON TAX | 67062F100 |  | 132020 | 9200 | SH |  | SOLE |  | 9200 | 0 | 0 |
| NUVEEN SELECT TAX-FREE      INCOME PORTFOLIO | MUTUAL FUNDS-NON TAX | 67062F100 |  | 75337 | 5250 | SH |  | DFND |  | 5250 | 0 | 0 |
| NVIDIA CORPORATION | COMMON STOCK | 67066G104 |  | 2228831 | 12780 | SH |  | SOLE |  | 12780 | 0 | 0 |
| NVIDIA CORPORATION | COMMON STOCK | 67066G104 |  | 87200 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| ONEOK INC NEW               COMMON | COMMON STOCK | 682680103 |  | 716339 | 7925 | SH |  | SOLE |  | 7925 | 0 | 0 |
| ORACLE CORP                 COM | COMMON STOCK | 68389X105 |  | 56636 | 385 | SH |  | SOLE |  | 385 | 0 | 0 |
| ORACLE CORP                 COM | COMMON STOCK | 68389X105 |  | 735550 | 5000 | SH |  | DFND |  | 5000 | 0 | 0 |
| PGIM ACTIVE HIGH YIELD BOND | ETF - FIXED INCOME | 69344A206 |  | 215952 | 6236 | SH |  | SOLE |  | 6236 | 0 | 0 |
| PNC FINL SVCS GROUP INC     COM | COMMON STOCK | 693475105 |  | 1498243 | 7200 | SH |  | SOLE |  | 7200 | 0 | 0 |
| PNC FINL SVCS GROUP INC     COM | COMMON STOCK | 693475105 |  | 93640 | 450 | SH |  | DFND |  | 450 | 0 | 0 |
| PPL CORP COMMON | COMMON STOCK | 69351T106 |  | 613527 | 16061 | SH |  | SOLE |  | 16061 | 0 | 0 |
| PPL CORP COMMON | COMMON STOCK | 69351T106 |  | 89006 | 2330 | SH |  | DFND |  | 2330 | 0 | 0 |
| PEPSICO INC                 COM | COMMON STOCK | 713448108 |  | 4126932 | 26576 | SH |  | SOLE |  | 26576 | 0 | 0 |
| PEPSICO INC                 COM | COMMON STOCK | 713448108 |  | 184792 | 1190 | SH |  | DFND |  | 1190 | 0 | 0 |
| PFIZER INC                  COM | COMMON STOCK | 717081103 |  | 949046 | 33811 | SH |  | SOLE |  | 33811 | 0 | 0 |
| PFIZER INC                  COM | COMMON STOCK | 717081103 |  | 156349 | 5570 | SH |  | DFND |  | 5570 | 0 | 0 |
| PHILLIP MORRIS INTERNATIONALINC | COMMON STOCK | 718172109 |  | 727488 | 4400 | SH |  | SOLE |  | 4400 | 0 | 0 |
| PHILLIP MORRIS INTERNATIONALINC | COMMON STOCK | 718172109 |  | 73576 | 445 | SH |  | DFND |  | 445 | 0 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 890303 | 4887 | SH |  | SOLE |  | 4887 | 0 | 0 |
| PHILLIPS 66 | COMMON STOCK | 718546104 |  | 9109 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| PROCTER AND GAMBLE CO       COM | COMMON STOCK | 742718109 |  | 2524505 | 17478 | SH |  | SOLE |  | 17478 | 0 | 0 |
| PROCTER AND GAMBLE CO       COM | COMMON STOCK | 742718109 |  | 825474 | 5715 | SH |  | DFND |  | 5715 | 0 | 0 |
| PROSHARES ULTRA S  P 500   EFT | ETF - EQUITY LARGE CAP | 74347R107 |  | 418152 | 8060 | SH |  | SOLE |  | 8060 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GROUP COM | COMMON STOCK | 744573106 |  | 274094 | 3386 | SH |  | SOLE |  | 3386 | 0 | 0 |
| QNITY ELECTRONICS INC | COMMON STOCK | 74743L100 |  | 499455 | 4329 | SH |  | SOLE |  | 4329 | 0 | 0 |
| QNITY ELECTRONICS INC | COMMON STOCK | 74743L100 |  | 12230 | 106 | SH |  | DFND |  | 106 | 0 | 0 |
| RTX CORPORATION             CORP | COMMON STOCK | 75513E101 |  | 609558 | 3160 | SH |  | SOLE |  | 3160 | 0 | 0 |
| S  P  GLOBAL INC NPV | COMMON STOCK | 78409V104 |  | 435963 | 1025 | SH |  | SOLE |  | 1025 | 0 | 0 |
| STATE STREET SPDR  S  P    500 ETF TRUST | ETF - EQUITY LARGE CAP | 78462F103 |  | 217860 | 335 | SH |  | SOLE |  | 335 | 0 | 0 |
| SPDR GOLD TRUST | ETF - EQUITY LARGE CAP | 78463V107 |  | 226755 | 527 | SH |  | SOLE |  | 527 | 0 | 0 |
| SCHWAB STR US DIVIDEND      EQUITY ETF | ETF - EQUITY LARGE CAP | 808524797 |  | 1347147 | 43910 | SH |  | SOLE |  | 43910 | 0 | 0 |
| SCHWAB STR US DIVIDEND      EQUITY ETF | ETF - EQUITY LARGE CAP | 808524797 |  | 46020 | 1500 | SH |  | DFND |  | 1500 | 0 | 0 |
| STATE STREET HEALTH CARE    SELECT SEC SPDR ETF | ETF - EQUITY LARGE CAP | 81369Y209 |  | 243079 | 1658 | SH |  | SOLE |  | 1658 | 0 | 0 |
| STATE STREET ENERGY SELECT  SEC SPDR ETF | ETF - EQUITY LARGE CAP | 81369Y506 |  | 269542 | 4400 | SH |  | SOLE |  | 4400 | 0 | 0 |
| STATE STREET FINANCIAL      SELECT SEC SPDR ETF | ETF - EQUITY LARGE CAP | 81369Y605 |  | 224637 | 4551 | SH |  | SOLE |  | 4551 | 0 | 0 |
| SOLSTICE ADVANCED MATLS INC | COMMON STOCK | 83443Q103 |  | 241280 | 3169 | SH |  | SOLE |  | 3169 | 0 | 0 |
| SOLSTICE ADVANCED MATLS INC | COMMON STOCK | 83443Q103 |  | 58557 | 769 | SH |  | DFND |  | 769 | 0 | 0 |
| SOUTHERN CO                 COM | COMMON STOCK | 842587107 |  | 102889 | 1066 | SH |  | SOLE |  | 1066 | 0 | 0 |
| SOUTHERN CO                 COM | COMMON STOCK | 842587107 |  | 185801 | 1925 | SH |  | DFND |  | 1925 | 0 | 0 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 2061972 | 17013 | SH |  | SOLE |  | 17013 | 0 | 0 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 149076 | 1230 | SH |  | DFND |  | 1230 | 0 | 0 |
| 3M CO   COMMON | COMMON STOCK | 88579Y101 |  | 1064373 | 7329 | SH |  | SOLE |  | 7329 | 0 | 0 |
| 3M CO   COMMON | COMMON STOCK | 88579Y101 |  | 200417 | 1380 | SH |  | DFND |  | 1380 | 0 | 0 |
| TOYOTA MOTOR CORP | FOREIGN EQUITIES | 892331307 |  | 206090 | 1000 | SH |  | DFND |  | 1000 | 0 | 0 |
| VANECK VEC AGRIBUSINESS     ETF | ETF - EQUITY LARGE CAP | 92189F700 |  | 1006132 | 11907 | SH |  | SOLE |  | 11907 | 0 | 0 |
| VANECK VEC AGRIBUSINESS     ETF | ETF - EQUITY LARGE CAP | 92189F700 |  | 68022 | 805 | SH |  | DFND |  | 805 | 0 | 0 |
| VANGUARD TOTAL INTL STOCK   INDEX FUND - ETF | ETF - FOREIGN EQUITY | 921909768 |  | 251145 | 3257 | SH |  | SOLE |  | 3257 | 0 | 0 |
| VANGUARD INTERMEDIATE TERM  BOND INDEX ETF | ETF - FIXED INCOME | 921937819 |  | 21452939 | 277962 | SH |  | SOLE |  | 277962 | 0 | 0 |
| VANGUARD INTERMEDIATE TERM  BOND INDEX ETF | ETF - FIXED INCOME | 921937819 |  | 1087230 | 14087 | SH |  | DFND |  | 14087 | 0 | 0 |
| VANGUARD FTSE DEVELOPED     MARKET ETF | ETF - FOREIGN EQUITY | 921943858 |  | 486364 | 7590 | SH |  | SOLE |  | 7590 | 0 | 0 |
| VANGUARD FTSE DEVELOPED     MARKET ETF | ETF - FOREIGN EQUITY | 921943858 |  | 22428 | 350 | SH |  | DFND |  | 350 | 0 | 0 |
| VANGUARD FTSE EMERGING      MARKETS  ETF | ETF - FOREIGN EQUITY | 922042858 |  | 1338746 | 24774 | SH |  | SOLE |  | 24774 | 0 | 0 |
| VANGUARD FTSE EMERGING      MARKETS  ETF | ETF - FOREIGN EQUITY | 922042858 |  | 94351 | 1746 | SH |  | DFND |  | 1746 | 0 | 0 |
| VANGUARD SHORT TERM CORP    BD ETF #3145 | ETF - FIXED INCOME | 92206C409 |  | 38580969 | 486706 | SH |  | SOLE |  | 486706 | 0 | 0 |
| VANGUARD SHORT TERM CORP    BD ETF #3145 | ETF - FIXED INCOME | 92206C409 |  | 2633263 | 33219 | SH |  | DFND |  | 33219 | 0 | 0 |
| VANGUARD REIT INDEX #0986 | ETF - EQUITY LARGE CAP | 922908553 |  | 1277272 | 14400 | SH |  | SOLE |  | 14400 | 0 | 0 |
| VANGUARD REIT INDEX #0986 | ETF - EQUITY LARGE CAP | 922908553 |  | 136420 | 1538 | SH |  | DFND |  | 1538 | 0 | 0 |
| VANGUARD VALUE ETF | ETF - EQUITY LARGE CAP | 922908744 |  | 349039 | 1779 | SH |  | SOLE |  | 1779 | 0 | 0 |
| VANGUARD TOTAL STOCK        MARKET ETF | ETF - EQUITY LARGE CAP | 922908769 |  | 106500752 | 331985 | SH |  | SOLE |  | 331985 | 0 | 0 |
| VANGUARD TOTAL STOCK        MARKET ETF | ETF - EQUITY LARGE CAP | 922908769 |  | 5048107 | 15736 | SH |  | DFND |  | 15736 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COMMON STOCK | 92343V104 |  | 2699684 | 53779 | SH |  | SOLE |  | 53779 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COMMON STOCK | 92343V104 |  | 241211 | 4805 | SH |  | DFND |  | 4805 | 0 | 0 |
| WALMART INC                 COM | COMMON STOCK | 931142103 |  | 2485095 | 19996 | SH |  | SOLE |  | 19996 | 0 | 0 |
| WALMART INC                 COM | COMMON STOCK | 931142103 |  | 155350 | 1250 | SH |  | DFND |  | 1250 | 0 | 0 |
| WASTE MANAGEMENT INC NEW | COMMON STOCK | 94106L109 |  | 256903 | 1118 | SH |  | SOLE |  | 1118 | 0 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 412694 | 5184 | SH |  | SOLE |  | 5184 | 0 | 0 |
| WELLS FARGO  CO | COMMON STOCK | 949746101 |  | 77619 | 975 | SH |  | DFND |  | 975 | 0 | 0 |
| XCEL ENERGY INC             COM | COMMON STOCK | 98389B100 |  | 331660 | 4175 | SH |  | SOLE |  | 4175 | 0 | 0 |
| XCEL ENERGY INC             COM | COMMON STOCK | 98389B100 |  | 19860 | 250 | SH |  | DFND |  | 250 | 0 | 0 |
| YUM BRANDS INC | COMMON STOCK | 988498101 |  | 782991 | 5036 | SH |  | SOLE |  | 5036 | 0 | 0 |
| YUM BRANDS INC | COMMON STOCK | 988498101 |  | 80849 | 520 | SH |  | DFND |  | 520 | 0 | 0 |
| YUM CHINA HOLDINGS INC | FOREIGN EQUITIES | 98850P109 |  | 236624 | 4852 | SH |  | SOLE |  | 4852 | 0 | 0 |
| YUM CHINA HOLDINGS INC | FOREIGN EQUITIES | 98850P109 |  | 27896 | 572 | SH |  | DFND |  | 572 | 0 | 0 |

---