# EDGAR Filing Document

**Accession Number:** 0001692227
**File Stem:** 0001692227-26-000001
**Filing Date:** 2026-1
**Character Count:** 20039
**Document Hash:** 1469db7adb059e4992f018899d652f15
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001692227-26-000001.hdr.sgml**: 20260108

**ACCESSION NUMBER**: 0001692227-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260108

**DATE AS OF CHANGE**: 20260108

**EFFECTIVENESS DATE**: 20260108

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Norway Savings Bank
- **CENTRAL INDEX KEY:** 0001692227

**ORGANIZATION NAME:**
- **EIN:** 010130870
- **STATE OF INCORPORATION:** ME
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17602
- **FILM NUMBER:** 26519294

**BUSINESS ADDRESS:**
- **STREET 1:** P O BOX 8550
- **CITY:** PORTLAND
- **STATE:** ME
- **ZIP:** 04104-8550
- **BUSINESS PHONE:** 207-482-7920

**MAIL ADDRESS:**
- **STREET 1:** P O BOX 347
- **CITY:** NORWAY
- **STATE:** ME
- **ZIP:** 04268-0347

### 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:** Norway Savings Bank<br>**Address:** P O BOX 347<br>NORWAY, ME 04268-0347

**Form 13F File Number:** 028-17602

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:** MICHELLE WICKHAM<br>**Title:** TRUST OPERATIONS OFFICER<br>**Phone:** 2074827910

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

MICHELLE WICKHAM  PORTLAND, ME  01-08-2026<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:** 177

**Form 13F Information Table Value Total:** $216226674

      (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 |
| Aflac Inc | Com | 001055102 |  | 666692 | 6046 | SH |  | SOLE | 0 | 6046 | 0 | 0 |
| AT Inc | Com | 00206R102 |  | 209277 | 8425 | SH |  | SOLE | 0 | 8425 | 0 | 0 |
| Abbott Labs | Com | 002824100 |  | 3733642 | 29800 | SH |  | SOLE | 0 | 29725 | 0 | 75 |
| Abbott Labs | Com | 002824100 |  | 295058 | 2355 | SH |  | DFND | 0 | 2355 | 0 | 0 |
| Abbvie Inc. | Com | 00287Y109 |  | 747619 | 3272 | SH |  | SOLE | 0 | 3272 | 0 | 0 |
| Abbvie Inc. | Com | 00287Y109 |  | 297037 | 1300 | SH |  | DFND | 0 | 1300 | 0 | 0 |
| Adobe Systems Inc DE | Com | 00724F101 |  | 1020921 | 2917 | SH |  | SOLE | 0 | 2917 | 0 | 0 |
| Adobe Systems Inc DE | Com | 00724F101 |  | 14000 | 40 | SH |  | DFND | 0 | 40 | 0 | 0 |
| Advanced Micro Devices Inc | Com | 007903107 |  | 3144725 | 14684 | SH |  | SOLE | 0 | 14544 | 0 | 140 |
| Advanced Micro Devices Inc | Com | 007903107 |  | 106009 | 495 | SH |  | DFND | 0 | 495 | 0 | 0 |
| Albemarle Corp | Com | 012653101 |  | 1055991 | 7466 | SH |  | SOLE | 0 | 7391 | 0 | 75 |
| Albemarle Corp | Com | 012653101 |  | 21216 | 150 | SH |  | DFND | 0 | 150 | 0 | 0 |
| Alphabet Inc-CL C | Com | 02079K107 |  | 434613 | 1385 | SH |  | SOLE | 0 | 1385 | 0 | 0 |
| Alphabet Inc-CL A | Com | 02079K305 |  | 11622316 | 37132 | SH |  | SOLE | 0 | 36987 | 0 | 145 |
| Alphabet Inc-CL A | Com | 02079K305 |  | 92335 | 295 | SH |  | DFND | 0 | 295 | 0 | 0 |
| Amazon.com Inc | Com | 023135106 |  | 7155651 | 31001 | SH |  | SOLE | 0 | 30801 | 0 | 200 |
| Amazon.com Inc | Com | 023135106 |  | 72708 | 315 | SH |  | DFND | 0 | 315 | 0 | 0 |
| American Tower Corp | Com | 03027X100 |  | 235615 | 1342 | SH |  | SOLE | 0 | 1342 | 0 | 0 |
| Amgen Inc | Com | 031162100 |  | 1525592 | 4661 | SH |  | SOLE | 0 | 4661 | 0 | 0 |
| Amgen Inc | Com | 031162100 |  | 13092 | 40 | SH |  | DFND | 0 | 40 | 0 | 0 |
| Amphenol Corp | Com | 032095101 |  | 6513613 | 48199 | SH |  | SOLE | 0 | 47914 | 0 | 285 |
| Amphenol Corp | Com | 032095101 |  | 51353 | 380 | SH |  | DFND | 0 | 380 | 0 | 0 |
| Analog Devices Inc. | Com | 032654105 |  | 3643843 | 13436 | SH |  | SOLE | 0 | 13356 | 0 | 80 |
| Analog Devices Inc. | Com | 032654105 |  | 67800 | 250 | SH |  | DFND | 0 | 250 | 0 | 0 |
| Apple Inc. | Com | 037833100 |  | 11019030 | 40532 | SH |  | SOLE | 0 | 40067 | 0 | 465 |
| Apple Inc. | Com | 037833100 |  | 203895 | 750 | SH |  | DFND | 0 | 750 | 0 | 0 |
| Astrazeneca PLC | Com | 046353108 |  | 341244 | 3712 | SH |  | SOLE | 0 | 3712 | 0 | 0 |
| Badger Meter | Com | 056525108 |  | 456954 | 2620 | SH |  | SOLE | 0 | 2595 | 0 | 25 |
| Badger Meter | Com | 056525108 |  | 6104 | 35 | SH |  | DFND | 0 | 35 | 0 | 0 |
| Bank of America | Com | 060505104 |  | 244365 | 4443 | SH |  | SOLE | 0 | 4443 | 0 | 0 |
| Becton Dickinson  Co | Com | 075887109 |  | 1282220 | 6607 | SH |  | SOLE | 0 | 6557 | 0 | 50 |
| Becton Dickinson  Co | Com | 075887109 |  | 20377 | 105 | SH |  | DFND | 0 | 105 | 0 | 0 |
| Berkshire Hathaway Inc Cl B | Com | 084670702 |  | 4352446 | 8659 | SH |  | SOLE | 0 | 8634 | 0 | 25 |
| Berkshire Hathaway Inc Cl B | Com | 084670702 |  | 40212 | 80 | SH |  | DFND | 0 | 80 | 0 | 0 |
| BHP Billiton | Com | 088606108 |  | 623441 | 10327 | SH |  | SOLE | 0 | 10327 | 0 | 0 |
| BHP Billiton | Com | 088606108 |  | 6339 | 105 | SH |  | DFND | 0 | 105 | 0 | 0 |
| Blackstone Inc | Com | 09260D107 |  | 2216687 | 14381 | SH |  | SOLE | 0 | 14316 | 0 | 65 |
| Blackstone Inc | Com | 09260D107 |  | 168783 | 1095 | SH |  | DFND | 0 | 1095 | 0 | 0 |
| BlackRock Inc | Com | 09290D101 |  | 2909184 | 2718 | SH |  | SOLE | 0 | 2703 | 0 | 15 |
| BlackRock Inc | Com | 09290D101 |  | 26759 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| Boeing Co. | Com | 097023105 |  | 2201380 | 10139 | SH |  | SOLE | 0 | 10014 | 0 | 125 |
| Boeing Co. | Com | 097023105 |  | 226890 | 1045 | SH |  | DFND | 0 | 1045 | 0 | 0 |
| Bristol Myers Squibb | Com | 110122108 |  | 441553 | 8186 | SH |  | SOLE | 0 | 7861 | 0 | 325 |
| Broadcom Inc | Com | 11135F101 |  | 496654 | 1435 | SH |  | SOLE | 0 | 1435 | 0 | 0 |
| The Cigna Group | Com | 125523100 |  | 846332 | 3075 | SH |  | SOLE | 0 | 3075 | 0 | 0 |
| CSX Corp. | Com | 126408103 |  | 271875 | 7500 | SH |  | SOLE | 0 | 7500 | 0 | 0 |
| Caterpillar Inc | Com | 149123101 |  | 2854038 | 4982 | SH |  | SOLE | 0 | 4982 | 0 | 0 |
| Caterpillar Inc | Com | 149123101 |  | 14322 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| Chevron Corp | Com | 166764100 |  | 3189636 | 20928 | SH |  | SOLE | 0 | 20828 | 0 | 100 |
| Chevron Corp | Com | 166764100 |  | 22862 | 150 | SH |  | DFND | 0 | 150 | 0 | 0 |
| Chipolte Mexican Grill Inc. | Com | 169656105 |  | 840492 | 22716 | SH |  | SOLE | 0 | 22561 | 0 | 155 |
| Chipolte Mexican Grill Inc. | Com | 169656105 |  | 4625 | 125 | SH |  | DFND | 0 | 125 | 0 | 0 |
| Cisco Systems Inc. | Com | 17275R102 |  | 615701 | 7993 | SH |  | SOLE | 0 | 7993 | 0 | 0 |
| Cisco Systems Inc. | Com | 17275R102 |  | 1926 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| Citigroup Inc. | Com | 172967424 |  | 338051 | 2897 | SH |  | SOLE | 0 | 2897 | 0 | 0 |
| Coca Cola Company | Com | 191216100 |  | 1385476 | 19818 | SH |  | SOLE | 0 | 19818 | 0 | 0 |
| Coca Cola Company | Com | 191216100 |  | 5243 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| Conocophillips Inc. | Com | 20825C104 |  | 1748728 | 18681 | SH |  | SOLE | 0 | 18506 | 0 | 175 |
| Conocophillips Inc. | Com | 20825C104 |  | 12637 | 135 | SH |  | DFND | 0 | 135 | 0 | 0 |
| Costco Wholesale Corp | Com | 22160K105 |  | 3583885 | 4156 | SH |  | SOLE | 0 | 4146 | 0 | 10 |
| Costco Wholesale Corp | Com | 22160K105 |  | 20696 | 24 | SH |  | DFND | 0 | 24 | 0 | 0 |
| Danaher Corp. | Com | 235851102 |  | 1601982 | 6998 | SH |  | SOLE | 0 | 6958 | 0 | 40 |
| Danaher Corp. | Com | 235851102 |  | 14880 | 65 | SH |  | DFND | 0 | 65 | 0 | 0 |
| Deere  Co | Com | 244199105 |  | 186228 | 400 | SH |  | SOLE | 0 | 400 | 0 | 0 |
| Deere  Co | Com | 244199105 |  | 209507 | 450 | SH |  | DFND | 0 | 450 | 0 | 0 |
| Digital Realty Trust | Com | 253868103 |  | 1730895 | 11188 | SH |  | SOLE | 0 | 11088 | 0 | 100 |
| Digital Realty Trust | Com | 253868103 |  | 32489 | 210 | SH |  | DFND | 0 | 210 | 0 | 0 |
| Walt Disney Co | Com | 254687106 |  | 633699 | 5570 | SH |  | SOLE | 0 | 5570 | 0 | 0 |
| Duke Energy Corp | Com | 26441C204 |  | 1492435 | 12733 | SH |  | SOLE | 0 | 12733 | 0 | 0 |
| Duke Energy Corp | Com | 26441C204 |  | 6212 | 53 | SH |  | DFND | 0 | 53 | 0 | 0 |
| EOG Resources Inc. | Com | 26875P101 |  | 1009146 | 9610 | SH |  | SOLE | 0 | 9535 | 0 | 75 |
| EOG Resources Inc. | Com | 26875P101 |  | 7876 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| Enbridge Inc | Com | 29250N105 |  | 223701 | 4677 | SH |  | SOLE | 0 | 4677 | 0 | 0 |
| Exxon Mobil Corp | Com | 30231G102 |  | 3011870 | 25028 | SH |  | SOLE | 0 | 25028 | 0 | 0 |
| Exxon Mobil Corp | Com | 30231G102 |  | 84840 | 705 | SH |  | DFND | 0 | 705 | 0 | 0 |
| Meta Platforms Inc. | Com | 30303M102 |  | 3840404 | 5818 | SH |  | SOLE | 0 | 5818 | 0 | 0 |
| Meta Platforms Inc. | Com | 30303M102 |  | 3300 | 5 | SH |  | DFND | 0 | 5 | 0 | 0 |
| Fedex Corporation | Com | 31428X106 |  | 844338 | 2923 | SH |  | SOLE | 0 | 2873 | 0 | 50 |
| Fedex Corporation | Com | 31428X106 |  | 128543 | 445 | SH |  | DFND | 0 | 445 | 0 | 0 |
| General Dynamics Corp. | Com | 369550108 |  | 1366503 | 4059 | SH |  | SOLE | 0 | 4059 | 0 | 0 |
| General Dynamics Corp. | Com | 369550108 |  | 10100 | 30 | SH |  | DFND | 0 | 30 | 0 | 0 |
| GSK PLC | Com | 37733W204 |  | 570237 | 11628 | SH |  | SOLE | 0 | 11628 | 0 | 0 |
| Goldman Sachs Group | Com | 38141G104 |  | 2932344 | 3336 | SH |  | SOLE | 0 | 3331 | 0 | 5 |
| Goldman Sachs Group | Com | 38141G104 |  | 21975 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| HCA Healthcare Inc | Com | 40412C101 |  | 2123279 | 4548 | SH |  | SOLE | 0 | 4528 | 0 | 20 |
| HCA Healthcare Inc | Com | 40412C101 |  | 9337 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| Home Depot | Com | 437076102 |  | 786269 | 2285 | SH |  | SOLE | 0 | 2230 | 0 | 55 |
| Home Depot | Com | 437076102 |  | 13764 | 40 | SH |  | DFND | 0 | 40 | 0 | 0 |
| Honeywell Intl Inc | Com | 438516106 |  | 1981139 | 10155 | SH |  | SOLE | 0 | 10110 | 0 | 45 |
| Honeywell Intl Inc | Com | 438516106 |  | 22435 | 115 | SH |  | DFND | 0 | 115 | 0 | 0 |
| Idexx Labs | Com | 45168D104 |  | 3112715 | 4601 | SH |  | SOLE | 0 | 4576 | 0 | 25 |
| Idexx Labs | Com | 45168D104 |  | 20296 | 30 | SH |  | DFND | 0 | 30 | 0 | 0 |
| Intercontinental Exchange Inc | Com | 45866F104 |  | 2688374 | 16599 | SH |  | SOLE | 0 | 16544 | 0 | 55 |
| Intercontinental Exchange Inc | Com | 45866F104 |  | 8098 | 50 | SH |  | DFND | 0 | 50 | 0 | 0 |
| International Business Machines | Com | 459200101 |  | 480453 | 1622 | SH |  | SOLE | 0 | 1622 | 0 | 0 |
| Intuitive Surgical Inc | Com | 46120E602 |  | 1712673 | 3024 | SH |  | SOLE | 0 | 2999 | 0 | 25 |
| Intuitive Surgical Inc | Com | 46120E602 |  | 18124 | 32 | SH |  | DFND | 0 | 32 | 0 | 0 |
| iSHARES MSCI EAFE ETF | Com | 464287465 |  | 535367 | 5575 | SH |  | SOLE | 0 | 5575 | 0 | 0 |
| iShares MSCI Emerging Markets Ex China ETF | Com | 46434G764 |  | 5650652 | 77747 | SH |  | SOLE | 0 | 77747 | 0 | 0 |
| iShares MSCI Emerging Markets Ex China ETF | Com | 46434G764 |  | 49059 | 675 | SH |  | DFND | 0 | 675 | 0 | 0 |
| Ishares Core Dividend Growth | Com | 46434V621 |  | 3398873 | 48961 | SH |  | SOLE | 0 | 48461 | 0 | 500 |
| J.P. Morgan Chase  Co | Com | 46625H100 |  | 7354994 | 22826 | SH |  | SOLE | 0 | 22751 | 0 | 75 |
| J.P. Morgan Chase  Co | Com | 46625H100 |  | 40278 | 125 | SH |  | DFND | 0 | 125 | 0 | 0 |
| Johnson  Johnson | Com | 478160104 |  | 2926066 | 14139 | SH |  | SOLE | 0 | 14139 | 0 | 0 |
| Johnson  Johnson | Com | 478160104 |  | 93128 | 450 | SH |  | DFND | 0 | 450 | 0 | 0 |
| KLA-Tencor Corp. | Com | 482480100 |  | 2092368 | 1722 | SH |  | SOLE | 0 | 1697 | 0 | 25 |
| KKR  Co. Inc | Com | 48251W104 |  | 364975 | 2863 | SH |  | SOLE | 0 | 2863 | 0 | 0 |
| L3 Harris Technologies Inc | Com | 502431109 |  | 449162 | 1530 | SH |  | SOLE | 0 | 1530 | 0 | 0 |
| Lilly Eli  Co | Com | 532457108 |  | 5624875 | 5234 | SH |  | SOLE | 0 | 5234 | 0 | 0 |
| Lowes Cos Inc. | Com | 548661107 |  | 2169717 | 8997 | SH |  | SOLE | 0 | 8987 | 0 | 10 |
| Lowes Cos Inc. | Com | 548661107 |  | 350888 | 1455 | SH |  | DFND | 0 | 1455 | 0 | 0 |
| M Bank Corporation | Com | 55261F104 |  | 814987 | 4045 | SH |  | SOLE | 0 | 4045 | 0 | 0 |
| Marsh  McLennan Companies Inc | Com | 571748102 |  | 1071192 | 5774 | SH |  | SOLE | 0 | 5774 | 0 | 0 |
| Marvell Technology Inc | Com | 573874104 |  | 1272151 | 14970 | SH |  | SOLE | 0 | 14845 | 0 | 125 |
| Marvell Technology Inc | Com | 573874104 |  | 19970 | 235 | SH |  | DFND | 0 | 235 | 0 | 0 |
| Mastercard Inc. | Com | 57636Q104 |  | 399045 | 699 | SH |  | SOLE | 0 | 699 | 0 | 0 |
| McCormick  Co. | Com | 579780206 |  | 192615 | 2828 | SH |  | SOLE | 0 | 2828 | 0 | 0 |
| McCormick  Co. | Com | 579780206 |  | 18730 | 275 | SH |  | DFND | 0 | 275 | 0 | 0 |
| McDonalds Corp | Com | 580135101 |  | 1191040 | 3897 | SH |  | SOLE | 0 | 3852 | 0 | 45 |
| McDonalds Corp | Com | 580135101 |  | 22922 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| Microsoft Corp. | Com | 594918104 |  | 8958093 | 18523 | SH |  | SOLE | 0 | 18493 | 0 | 30 |
| Microsoft Corp. | Com | 594918104 |  | 319189 | 660 | SH |  | DFND | 0 | 660 | 0 | 0 |
| Microchip Technology | Com | 595017104 |  | 2013871 | 31605 | SH |  | SOLE | 0 | 31320 | 0 | 285 |
| Microchip Technology | Com | 595017104 |  | 35046 | 550 | SH |  | DFND | 0 | 550 | 0 | 0 |
| Mondelez Intl Inc. | Com | 609207105 |  | 572428 | 10634 | SH |  | SOLE | 0 | 10634 | 0 | 0 |
| Mondelez Intl Inc. | Com | 609207105 |  | 29068 | 540 | SH |  | DFND | 0 | 540 | 0 | 0 |
| Morgan Stanley | Com | 617446448 |  | 333224 | 1877 | SH |  | SOLE | 0 | 1877 | 0 | 0 |
| NextEra Energy Inc | Com | 65339F101 |  | 1942134 | 24192 | SH |  | SOLE | 0 | 23992 | 0 | 200 |
| NextEra Energy Inc | Com | 65339F101 |  | 21274 | 265 | SH |  | DFND | 0 | 265 | 0 | 0 |
| NVIDIA Corp | Com | 67066G104 |  | 8485564 | 45499 | SH |  | SOLE | 0 | 45099 | 0 | 400 |
| NVIDIA Corp | Com | 67066G104 |  | 116563 | 625 | SH |  | DFND | 0 | 625 | 0 | 0 |
| Oracle Corp. | Com | 68389X105 |  | 5115608 | 26246 | SH |  | SOLE | 0 | 26081 | 0 | 165 |
| Oracle Corp. | Com | 68389X105 |  | 70168 | 360 | SH |  | DFND | 0 | 360 | 0 | 0 |
| Palo Alto Networks Inc | Com | 697435105 |  | 5302934 | 28789 | SH |  | SOLE | 0 | 28624 | 0 | 165 |
| Palo Alto Networks Inc | Com | 697435105 |  | 24867 | 135 | SH |  | DFND | 0 | 135 | 0 | 0 |
| Pepsico Inc | Com | 713448108 |  | 1572118 | 10954 | SH |  | SOLE | 0 | 10829 | 0 | 125 |
| Pepsico Inc | Com | 713448108 |  | 28704 | 200 | SH |  | DFND | 0 | 200 | 0 | 0 |
| Pfizer Inc | Com | 717081103 |  | 259607 | 10426 | SH |  | SOLE | 0 | 10426 | 0 | 0 |
| Pfizer Inc | Com | 717081103 |  | 17430 | 700 | SH |  | DFND | 0 | 700 | 0 | 0 |
| Procter  Gamble | Com | 742718109 |  | 2694228 | 18800 | SH |  | SOLE | 0 | 18700 | 0 | 100 |
| Procter  Gamble | Com | 742718109 |  | 53025 | 370 | SH |  | DFND | 0 | 370 | 0 | 0 |
| RTX Corp | Com | 75513E101 |  | 531677 | 2899 | SH |  | SOLE | 0 | 2899 | 0 | 0 |
| SPDR Portfolio Developed World ex-US ETF | Com | 78463X889 |  | 4431097 | 99777 | SH |  | SOLE | 0 | 99777 | 0 | 0 |
| SPDR Portfolio Developed World ex-US ETF | Com | 78463X889 |  | 33308 | 750 | SH |  | DFND | 0 | 750 | 0 | 0 |
| Salesforce.com Inc. | Com | 79466L302 |  | 3076665 | 11614 | SH |  | SOLE | 0 | 11559 | 0 | 55 |
| Salesforce.com Inc. | Com | 79466L302 |  | 50333 | 190 | SH |  | DFND | 0 | 190 | 0 | 0 |
| Charles Schwab Inc | Com | 808513105 |  | 323708 | 3240 | SH |  | SOLE | 0 | 3240 | 0 | 0 |
| Starbucks Corp | Com | 855244109 |  | 897089 | 10653 | SH |  | SOLE | 0 | 10653 | 0 | 0 |
| Starbucks Corp | Com | 855244109 |  | 8842 | 105 | SH |  | DFND | 0 | 105 | 0 | 0 |
| State Street Corp. | Com | 857477103 |  | 402253 | 3118 | SH |  | SOLE | 0 | 3118 | 0 | 0 |
| State Street Corp. | Com | 857477103 |  | 3225 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| T J X Companies | Com | 872540109 |  | 2045932 | 13319 | SH |  | SOLE | 0 | 13319 | 0 | 0 |
| T J X Companies | Com | 872540109 |  | 8449 | 55 | SH |  | DFND | 0 | 55 | 0 | 0 |
| Texas Instruments | Com | 882508104 |  | 289728 | 1670 | SH |  | SOLE | 0 | 1670 | 0 | 0 |
| Texas Instruments | Com | 882508104 |  | 20819 | 120 | SH |  | DFND | 0 | 120 | 0 | 0 |
| 3M Corp | Com | 88579Y101 |  | 137846 | 861 | SH |  | SOLE | 0 | 811 | 0 | 50 |
| 3M Corp | Com | 88579Y101 |  | 62439 | 390 | SH |  | DFND | 0 | 390 | 0 | 0 |
| Toyota Motor Corp Spon ADR | Com | 892331307 |  | 295189 | 1379 | SH |  | SOLE | 0 | 1379 | 0 | 0 |
| Toyota Motor Corp Spon ADR | Com | 892331307 |  | 7064 | 33 | SH |  | DFND | 0 | 33 | 0 | 0 |
| Tyler Technologies | Com | 902252105 |  | 2032334 | 4477 | SH |  | SOLE | 0 | 4452 | 0 | 25 |
| Tyler Technologies | Com | 902252105 |  | 9079 | 20 | SH |  | DFND | 0 | 20 | 0 | 0 |
| United Parcel Service | Com | 911312106 |  | 223574 | 2254 | SH |  | SOLE | 0 | 2179 | 0 | 75 |
| United Parcel Service | Com | 911312106 |  | 7439 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| Vanguard FTSE Emerging Mkts ETF | Com | 922042858 |  | 413253 | 7687 | SH |  | SOLE | 0 | 7687 | 0 | 0 |
| Verizon Communications | Com | 92343V104 |  | 596246 | 14639 | SH |  | SOLE | 0 | 14639 | 0 | 0 |
| Visa Inc | Com | 92826C839 |  | 1224329 | 3491 | SH |  | SOLE | 0 | 3491 | 0 | 0 |
| Walmart Inc | Com | 931142103 |  | 518391 | 4653 | SH |  | SOLE | 0 | 4653 | 0 | 0 |
| Zebra Technologies Corp. | Com | 989207105 |  | 1058695 | 4360 | SH |  | SOLE | 0 | 4330 | 0 | 30 |
| Zebra Technologies Corp. | Com | 989207105 |  | 24282 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| Zoetis Inc | Com | 98978V103 |  | 204835 | 1628 | SH |  | SOLE | 0 | 1628 | 0 | 0 |
| Zscaler  Inc. | Com | 98980G102 |  | 1670706 | 7428 | SH |  | SOLE | 0 | 7383 | 0 | 45 |
| Zscaler  Inc. | Com | 98980G102 |  | 23617 | 105 | SH |  | DFND | 0 | 105 | 0 | 0 |
| Accenture PLC Ireland Shs Cl A | Com | G1151C101 |  | 753118 | 2807 | SH |  | SOLE | 0 | 2782 | 0 | 25 |
| Accenture PLC Ireland Shs Cl A | Com | G1151C101 |  | 6708 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| Johnson Controls International | Com | G51502105 |  | 1647042 | 13754 | SH |  | SOLE | 0 | 13754 | 0 | 0 |
| Johnson Controls International | Com | G51502105 |  | 8981 | 75 | SH |  | DFND | 0 | 75 | 0 | 0 |
| Chubb Ltd | Com | H1467J104 |  | 387965 | 1243 | SH |  | SOLE | 0 | 1243 | 0 | 0 |

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