# EDGAR Filing Document

**Accession Number:** 0002017259
**File Stem:** 0002017259-25-000014
**Filing Date:** 2025-8
**Character Count:** 30700
**Document Hash:** 8b33cbeb2445a50d4c64bbc08024578c
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002017259-25-000014.hdr.sgml**: 20250812

**ACCESSION NUMBER**: 0002017259-25-000014

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250812

**DATE AS OF CHANGE**: 20250812

**EFFECTIVENESS DATE**: 20250812

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Columbia Bank
- **CENTRAL INDEX KEY:** 0002017259

**ORGANIZATION NAME:**
- **EIN:** 930419143
- **STATE OF INCORPORATION:** OR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-24132
- **FILM NUMBER:** 251207299

**BUSINESS ADDRESS:**
- **STREET 1:** 5885 MEADOWS RD, SUITE 400
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97035
- **BUSINESS PHONE:** (866) 486-7782

**MAIL ADDRESS:**
- **STREET 1:** 5885 MEADOWS RD, SUITE 400
- **CITY:** LAKE OSWEGO
- **STATE:** OR
- **ZIP:** 97035

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Umpqua Bank
- **DATE OF NAME CHANGE:** 20240327

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**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:** Columbia Bank<br>**Address:** 5885 Meadows Rd Suite 400<br>Lake Oswego, OR 97035

**Form 13F File Number:** 028-24132

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:** David Bell<br>**Title:** SVP Director of Operations/Columbia Trust Company<br>**Phone:** 503-224-2472

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

David Bell  Portland, OR  08-12-2025<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:** 1

**Form 13F Information Table Entry Total:** 290

**Form 13F Information Table Value Total:** $328261030

      (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.]

| No.   | Name                                 | Form 13F File Number   |
|:---|:---|:---|
|  | Agate Pass Investment Management LLC | 028-21471              |

### 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 |
| 3M CO | COM | 88579Y101 |  | 153740 | 1000 | SH |  | DFND |  | 0 | 0 | 1000 |
| 3M CO | COM | 88579Y101 |  | 393574 | 2560 | SH |  | SOLE |  | 2560 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 53611 | 402 | SH |  | DFND |  | 402 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 105088 | 788 | SH |  | DFND | 2 | 788 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 1713409 | 12848 | SH |  | SOLE |  | 12848 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 480118 | 2530 | SH |  | SOLE |  | 2530 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 7583 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| ACCENTURE PLC IRELAND | SHS CLASS A | G1151C101 |  | 1327979 | 4378 | SH |  | SOLE |  | 4378 | 0 | 0 |
| ADOBE INC | COM | 00724F101 |  | 9556 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| ADOBE INC | COM | 00724F101 |  | 1503732 | 3934 | SH |  | SOLE |  | 3934 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | COM | 007903107 |  | 772619 | 5606 | SH |  | SOLE |  | 5606 | 0 | 0 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 20465 | 70 | SH |  | DFND |  | 70 | 0 | 0 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 32743 | 112 | SH |  | DFND | 2 | 112 | 0 | 0 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 2318920 | 7932 | SH |  | SOLE |  | 7932 | 0 | 0 |
| ALLSTATE CORP | COM | 020002101 |  | 9670 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| ALLSTATE CORP | COM | 020002101 |  | 1784502 | 9227 | SH |  | SOLE |  | 9227 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 147334 | 845 | SH |  | DFND |  | 845 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 141580 | 812 | SH |  | DFND | 2 | 812 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 8352367 | 47903 | SH |  | SOLE |  | 47903 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 489923 | 2797 | SH |  | SOLE |  | 2797 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 207378 | 3483 | SH |  | SOLE |  | 3483 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 32904 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 9182190 | 41859 | SH |  | SOLE |  | 41859 | 0 | 0 |
| AMERICAN ELEC PWR CO INC | COM | 025537101 |  | 424573 | 4084 | SH |  | SOLE |  | 4084 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 12996 | 41 | SH |  | DFND |  | 41 | 0 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 817174 | 2578 | SH |  | SOLE |  | 2578 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 626373 | 2109 | SH |  | SOLE |  | 2109 | 0 | 0 |
| APOLLO GLOBAL MGMT INC | COM | 03769M106 |  | 519136 | 3580 | SH |  | SOLE |  | 3580 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 204130 | 972 | SH |  | DFND |  | 972 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 58803 | 280 | SH |  | DFND | 2 | 280 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 12957197 | 61698 | SH |  | SOLE |  | 61698 | 0 | 0 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 7941 | 10 | SH |  | DFND |  | 10 | 0 | 0 |
| ASML HOLDING N V | N Y REGISTRY SHS | N07059210 |  | 2630059 | 3312 | SH |  | SOLE |  | 3312 | 0 | 0 |
| AUTODESK INC | COM | 052769106 |  | 12596 | 40 | SH |  | DFND |  | 40 | 0 | 0 |
| AUTODESK INC | COM | 052769106 |  | 1529203 | 4856 | SH |  | SOLE |  | 4856 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 55242 | 180 | SH |  | DFND |  | 180 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 163271 | 532 | SH |  | DFND | 2 | 532 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 901365 | 2937 | SH |  | SOLE |  | 2937 | 0 | 0 |
| BADGER METER INC | COM | 056525108 |  | 592520 | 2490 | SH |  | SOLE |  | 2490 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 60399 | 1281 | SH |  | DFND |  | 1281 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 3554214 | 75381 | SH |  | SOLE |  | 75381 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 28648 | 60 | SH |  | DFND |  | 60 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1409014 | 2951 | SH |  | SOLE |  | 2951 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 48376 | 45 | SH |  | DFND |  | 45 | 0 | 0 |
| BLACKROCK INC | COM | 09290D101 |  | 3972199 | 3695 | SH |  | SOLE |  | 3695 | 0 | 0 |
| BOOKING HOLDINGS INC | COM | 09857L108 |  | 434213 | 76 | SH |  | SOLE |  | 76 | 0 | 0 |
| BORGWARNER INC | COM | 099724106 |  | 5389 | 153 | SH |  | DFND |  | 153 | 0 | 0 |
| BORGWARNER INC | COM | 099724106 |  | 233685 | 6635 | SH |  | SOLE |  | 6635 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 8154 | 30 | SH |  | DFND |  | 30 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 1246747 | 4587 | SH |  | SOLE |  | 4587 | 0 | 0 |
| CAMECO CORP | COM | 13321L108 |  | 561276 | 7802 | SH |  | SOLE |  | 7802 | 0 | 0 |
| CANADIAN PACIFIC KANSAS CITY | COM | 13646K108 |  | 595963 | 7384 | SH |  | SOLE |  | 7384 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 47709 | 121 | SH |  | DFND |  | 121 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 2740710 | 6951 | SH |  | SOLE |  | 6951 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 227102 | 1482 | SH |  | DFND |  | 282 | 0 | 1200 |
| CHEVRON CORP NEW | COM | 166764100 |  | 3352125 | 21875 | SH |  | SOLE |  | 21875 | 0 | 0 |
| CHIPOTLE MEXICAN GRILL INC | COM | 169656105 |  | 248194 | 4476 | SH |  | SOLE |  | 4476 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 |  | 9798 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| CHUBB LIMITED | COM | H1467J104 |  | 1216943 | 4347 | SH |  | SOLE |  | 4347 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 56724 | 827 | SH |  | DFND |  | 827 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 116603 | 1700 | SH |  | DFND | 2 | 1700 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 500364 | 7295 | SH |  | SOLE |  | 7295 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 26013 | 304 | SH |  | DFND |  | 304 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 755669 | 8831 | SH |  | SOLE |  | 8831 | 0 | 0 |
| CME GROUP INC | COM | 12572Q105 |  | 251375 | 912 | SH |  | SOLE |  | 912 | 0 | 0 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 267206 | 2900 | SH |  | DFND |  | 0 | 0 | 2900 |
| COLGATE PALMOLIVE CO | COM | 194162103 |  | 11978 | 130 | SH |  | SOLE |  | 130 | 0 | 0 |
| COLUMBIA BKG SYS INC | COM | 197236102 |  | 377100 | 15000 | SH |  | SOLE |  | 15000 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 15326 | 160 | SH |  | DFND |  | 160 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 591982 | 6180 | SH |  | SOLE |  | 6180 | 0 | 0 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 4434 | 26 | SH |  | DFND |  | 26 | 0 | 0 |
| CONSTELLATION BRANDS INC | CL A | 21036P108 |  | 296075 | 1736 | SH |  | SOLE |  | 1736 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 24646 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 4045887 | 4104 | SH |  | SOLE |  | 4104 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 17770 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 2199400 | 4332 | SH |  | SOLE |  | 4332 | 0 | 0 |
| CROWN CASTLE INC | COM | 22822V101 |  | 302919 | 2953 | SH |  | SOLE |  | 2953 | 0 | 0 |
| CUMMINS INC | COM | 231021106 |  | 16538 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| CUMMINS INC | COM | 231021106 |  | 1599507 | 4836 | SH |  | SOLE |  | 4836 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 30102 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 84085 | 419 | SH |  | DFND | 2 | 419 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 157534 | 785 | SH |  | SOLE |  | 785 | 0 | 0 |
| DATADOG INC | CL A COM | 23804L103 |  | 14594 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| DATADOG INC | CL A COM | 23804L103 |  | 1674078 | 11471 | SH |  | SOLE |  | 11471 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 31552 | 62 | SH |  | DFND |  | 62 | 0 | 0 |
| DEERE  CO | COM | 244199105 |  | 2495186 | 4903 | SH |  | SOLE |  | 4903 | 0 | 0 |
| DIGITAL RLTY TR INC | COM | 253868103 |  | 6832 | 40 | SH |  | DFND |  | 40 | 0 | 0 |
| DIGITAL RLTY TR INC | COM | 253868103 |  | 772870 | 4525 | SH |  | SOLE |  | 4525 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 18638 | 153 | SH |  | DFND |  | 153 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 24120 | 198 | SH |  | DFND | 2 | 198 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 1645301 | 13506 | SH |  | SOLE |  | 13506 | 0 | 0 |
| DOW INC | COM | 260557103 |  | 1656 | 57 | SH |  | DFND |  | 57 | 0 | 0 |
| DOW INC | COM | 260557103 |  | 255002 | 8775 | SH |  | SOLE |  | 8775 | 0 | 0 |
| EATON CORP PLC | SHS | G29183103 |  | 652559 | 1828 | SH |  | SOLE |  | 1828 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 15553 | 20 | SH |  | DFND |  | 20 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 3825310 | 4919 | SH |  | SOLE |  | 4919 | 0 | 0 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 570833 | 17996 | SH |  | SOLE |  | 17996 | 0 | 0 |
| EOG RES INC | COM | 26875P101 |  | 6074 | 49 | SH |  | DFND |  | 49 | 0 | 0 |
| EOG RES INC | COM | 26875P101 |  | 275169 | 2220 | SH |  | SOLE |  | 2220 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 639464 | 5600 | SH |  | DFND |  | 0 | 0 | 5600 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 467951 | 4098 | SH |  | SOLE |  | 4098 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 5252 | 22 | SH |  | DFND |  | 22 | 0 | 0 |
| FEDEX CORP | COM | 31428X106 |  | 551181 | 2309 | SH |  | SOLE |  | 2309 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 2447988 | 47222 | SH |  | DFND |  | 0 | 0 | 47222 |
| GENERAL MLS INC | COM | 370334104 |  | 95904 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| GERON CORP | COM | 374163103 |  | 13900 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | COM | 38141G104 |  | 354218 | 508 | SH |  | SOLE |  | 508 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 43424 | 115 | SH |  | DFND |  | 115 | 0 | 0 |
| HCA HEALTHCARE INC | COM | 40412C101 |  | 2827091 | 7487 | SH |  | SOLE |  | 7487 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 9188 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 2282543 | 6211 | SH |  | SOLE |  | 6211 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 334521 | 1395 | SH |  | SOLE |  | 1395 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 13574 | 75 | SH |  | DFND |  | 75 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE IN | COM | 45866F104 |  | 1071583 | 5921 | SH |  | SOLE |  | 5921 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 13359 | 46 | SH |  | DFND |  | 46 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 901173 | 3103 | SH |  | SOLE |  | 3103 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 18456 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 1467476 | 2783 | SH |  | SOLE |  | 2783 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 236475 | 3936 | SH |  | DFND |  | 3936 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 12912814 | 214927 | SH |  | SOLE |  | 214697 | 0 | 230 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 239880 | 3783 | SH |  | DFND |  | 3783 | 0 | 0 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 13485151 | 212666 | SH |  | SOLE |  | 212445 | 0 | 221 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 213457 | 1570 | SH |  | SOLE |  | 1570 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 462640 | 3925 | SH |  | DFND |  | 3925 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 14003663 | 118806 | SH |  | SOLE |  | 118657 | 0 | 149 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 2669443 | 27217 | SH |  | SOLE |  | 27217 | 0 | 0 |
| ISHARES TR | CALIF MUN BD ETF | 464288356 |  | 3392604 | 61051 | SH |  | SOLE |  | 61051 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 249840 | 3000 | SH |  | DFND |  | 3000 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 11241051 | 134979 | SH |  | SOLE |  | 134979 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 712728 | 11240 | SH |  | SOLE |  | 11240 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 559584 | 3200 | SH |  | SOLE |  | 3200 | 0 | 0 |
| ISHARES TR | ESG AW MSCI EAFE | 46435G516 |  | 216188 | 2434 | SH |  | SOLE |  | 2434 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 4464293 | 38261 | SH |  | SOLE |  | 38261 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 1983052 | 19044 | SH |  | SOLE |  | 19044 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1347453 | 3171 | SH |  | SOLE |  | 3171 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 520056 | 1525 | SH |  | SOLE |  | 1525 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 923407 | 4718 | SH |  | SOLE |  | 4718 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 22125 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 50888 | 230 | SH |  | DFND | 2 | 230 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 714859 | 3231 | SH |  | SOLE |  | 3231 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 118433 | 190 | SH |  | DFND |  | 190 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 12382450 | 19865 | SH |  | SOLE |  | 19836 | 0 | 29 |
| ISHARES TR | S MC 400GR ETF | 464287606 |  | 1615809 | 17489 | SH |  | SOLE |  | 17489 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 143235 | 1125 | SH |  | DFND |  | 1125 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 2127899 | 16713 | SH |  | SOLE |  | 16713 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 140868 | 1365 | SH |  | DFND |  | 1365 | 0 | 0 |
| ISHARES TR | SP SMCP600VL ETF | 464287879 |  | 1706412 | 16535 | SH |  | SOLE |  | 16535 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 94430 | 700 | SH |  | DFND |  | 700 | 0 | 0 |
| ISHARES TR | S SML 600 GWT | 464287887 |  | 1346302 | 9980 | SH |  | SOLE |  | 9980 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 22266 | 425 | SH |  | DFND |  | 425 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 87491 | 1670 | SH |  | DFND | 2 | 1670 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 254563 | 4859 | SH |  | SOLE |  | 4859 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 642240 | 7200 | SH |  | DFND |  | 7200 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1793455 | 20106 | SH |  | SOLE |  | 20106 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 1264370 | 11287 | SH |  | SOLE |  | 11287 | 0 | 0 |
| ISHARES TR | 10-20 YR TRS ETF | 464288653 |  | 438995 | 4416 | SH |  | SOLE |  | 4416 | 0 | 0 |
| ISHARES U S ETF TR | SHORT DURATION B | 46431W507 |  | 359054 | 7068 | SH |  | SOLE |  | 7068 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 287744 | 1847 | SH |  | DFND |  | 247 | 0 | 1600 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 23369 | 150 | SH |  | DFND | 2 | 150 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 3229527 | 20730 | SH |  | SOLE |  | 20730 | 0 | 0 |
| JOHNSON CTLS INTL PLC | SHS | G51502105 |  | 473062 | 4484 | SH |  | SOLE |  | 4484 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 107174 | 379 | SH |  | DFND |  | 379 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 96145 | 340 | SH |  | DFND | 2 | 340 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 6331444 | 22390 | SH |  | SOLE |  | 22390 | 0 | 0 |
| KENVUE INC | COM | 49177J102 |  | 314951 | 15215 | SH |  | SOLE |  | 15215 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 441373 | 3359 | SH |  | SOLE |  | 3359 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 8998 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 1075150 | 4182 | SH |  | SOLE |  | 4182 | 0 | 0 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 73874 | 740 | SH |  | DFND |  | 740 | 0 | 0 |
| LAM RESEARCH CORP | COM NEW | 512807306 |  | 4378544 | 43860 | SH |  | SOLE |  | 43860 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 15279 | 33 | SH |  | DFND |  | 33 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 786191 | 1698 | SH |  | SOLE |  | 1698 | 0 | 0 |
| M  T BK CORP | COM | 55261F104 |  | 453607 | 2259 | SH |  | SOLE |  | 2259 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 10232 | 48 | SH |  | DFND |  | 48 | 0 | 0 |
| MARSH  MCLENNAN COS INC | COM | 571748102 |  | 357699 | 1678 | SH |  | SOLE |  | 1678 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 11249 | 20 | SH |  | DFND |  | 20 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 28122 | 50 | SH |  | DFND | 2 | 50 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 598999 | 1065 | SH |  | SOLE |  | 1065 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 29167 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 2644280 | 9066 | SH |  | SOLE |  | 9066 | 0 | 0 |
| MCKESSON CORP | COM | 58155Q103 |  | 497464 | 687 | SH |  | SOLE |  | 687 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 7706 | 87 | SH |  | DFND |  | 87 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 18779 | 212 | SH |  | DFND | 2 | 212 | 0 | 0 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 246430 | 2782 | SH |  | SOLE |  | 2782 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 17413 | 214 | SH |  | DFND |  | 214 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 1228443 | 15097 | SH |  | SOLE |  | 15097 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 18017 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 3598305 | 4993 | SH |  | SOLE |  | 4993 | 0 | 0 |
| MICRON TECHNOLOGY INC | COM | 595112103 |  | 267503 | 2150 | SH |  | SOLE |  | 2150 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 333729 | 672 | SH |  | DFND |  | 672 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 121672 | 245 | SH |  | DFND | 2 | 245 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 20134961 | 40544 | SH |  | SOLE |  | 40544 | 0 | 0 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 815416 | 11958 | SH |  | SOLE |  | 11958 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 24274 | 172 | SH |  | DFND |  | 172 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 2013784 | 14269 | SH |  | SOLE |  | 14269 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 19130 | 15 | SH |  | DFND |  | 15 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 2164201 | 1697 | SH |  | SOLE |  | 1697 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 7246 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 1183489 | 16333 | SH |  | SOLE |  | 16333 | 0 | 0 |
| NIKE INC | CL B | 654106103 |  | 559870 | 7574 | SH |  | SOLE |  | 7574 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 18806 | 72 | SH |  | DFND |  | 72 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 1423018 | 5448 | SH |  | SOLE |  | 5448 | 0 | 0 |
| NUCOR CORP | COM | 670346105 |  | 12855 | 92 | SH |  | DFND |  | 92 | 0 | 0 |
| NUCOR CORP | COM | 670346105 |  | 314253 | 2249 | SH |  | SOLE |  | 2249 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 80000 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 12082240 | 75514 | SH |  | SOLE |  | 75514 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 30954 | 132 | SH |  | DFND |  | 132 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 77385 | 330 | SH |  | DFND | 2 | 330 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 691775 | 2950 | SH |  | SOLE |  | 2950 | 0 | 0 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 424751 | 4635 | SH |  | SOLE |  | 4635 | 0 | 0 |
| PACCAR INC | COM | 693718108 |  | 1428683 | 14475 | SH |  | SOLE |  | 14475 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 12239 | 60 | SH |  | DFND |  | 60 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 2436457 | 11944 | SH |  | SOLE |  | 11944 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 106038 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 39588 | 56 | SH |  | DFND | 2 | 56 | 0 | 0 |
| PARKER-HANNIFIN CORP | COM | 701094104 |  | 3532479 | 4997 | SH |  | SOLE |  | 4997 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 168800 | 1250 | SH |  | DFND |  | 250 | 0 | 1000 |
| PEPSICO INC | COM | 713448108 |  | 67520 | 500 | SH |  | DFND | 2 | 500 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 2232076 | 16529 | SH |  | SOLE |  | 16529 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 60566 | 2364 | SH |  | DFND |  | 0 | 0 | 2364 |
| PFIZER INC | COM | 717081103 |  | 174626 | 6816 | SH |  | SOLE |  | 6816 | 0 | 0 |
| PHILLIPS 66 | COM | 718546104 |  | 24960 | 192 | SH |  | DFND |  | 192 | 0 | 0 |
| PHILLIPS 66 | COM | 718546104 |  | 1428050 | 10985 | SH |  | SOLE |  | 10985 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 21582 | 109 | SH |  | DFND |  | 109 | 0 | 0 |
| PNC FINL SVCS GROUP INC | COM | 693475105 |  | 2665674 | 13463 | SH |  | SOLE |  | 13463 | 0 | 0 |
| PPG INDS INC | COM | 693506107 |  | 14911 | 127 | SH |  | DFND |  | 127 | 0 | 0 |
| PPG INDS INC | COM | 693506107 |  | 1258400 | 10718 | SH |  | SOLE |  | 10718 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 480775 | 3045 | SH |  | DFND |  | 50 | 0 | 2995 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 11842 | 75 | SH |  | DFND | 2 | 75 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 2426927 | 15371 | SH |  | SOLE |  | 15371 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 |  | 11860 | 111 | SH |  | DFND |  | 111 | 0 | 0 |
| PROLOGIS INC. | COM | 74340W103 |  | 712155 | 6665 | SH |  | SOLE |  | 6665 | 0 | 0 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 24429 | 84 | SH |  | DFND |  | 84 | 0 | 0 |
| PUBLIC STORAGE OPER CO | COM | 74460D109 |  | 1835074 | 6310 | SH |  | SOLE |  | 6310 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 16565 | 203 | SH |  | DFND |  | 203 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 753494 | 9234 | SH |  | SOLE |  | 9234 | 0 | 0 |
| PULTE GROUP INC | COM | 745867101 |  | 395126 | 3629 | SH |  | SOLE |  | 3629 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 5581 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 326394 | 2047 | SH |  | SOLE |  | 2047 | 0 | 0 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 12598 | 23 | SH |  | DFND |  | 23 | 0 | 0 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 1162326 | 2122 | SH |  | SOLE |  | 2122 | 0 | 0 |
| REPUBLIC SVCS INC | COM | 760759100 |  | 563096 | 2353 | SH |  | SOLE |  | 2353 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 28982 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 57964 | 400 | SH |  | DFND | 2 | 400 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 145055 | 1001 | SH |  | SOLE |  | 1001 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 28186 | 103 | SH |  | DFND |  | 103 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 22713 | 83 | SH |  | DFND | 2 | 83 | 0 | 0 |
| SALESFORCE INC | COM | 79466L302 |  | 2223680 | 8126 | SH |  | SOLE |  | 8126 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 313393 | 10740 | SH |  | SOLE |  | 10740 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 26553 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 67710 | 765 | SH |  | DFND | 2 | 765 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 152503 | 1723 | SH |  | SOLE |  | 1723 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 42544 | 166 | SH |  | DFND |  | 166 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 104054 | 406 | SH |  | DFND | 2 | 406 | 0 | 0 |
| SELECT SECTOR SPDR TR | TECHNOLOGY | 81369Y803 |  | 144548 | 564 | SH |  | SOLE |  | 564 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 20460 | 20 | SH |  | DFND |  | 20 | 0 | 0 |
| SERVICENOW INC | COM | 81762P102 |  | 2582002 | 2524 | SH |  | SOLE |  | 2524 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 1936701 | 3122 | SH |  | SOLE |  | 3122 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 428066 | 739 | SH |  | SOLE |  | 739 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 19475 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 2312462 | 5937 | SH |  | SOLE |  | 5937 | 0 | 0 |
| TAPESTRY INC | COM | 876030107 |  | 15860 | 172 | SH |  | DFND |  | 172 | 0 | 0 |
| TAPESTRY INC | COM | 876030107 |  | 465845 | 5052 | SH |  | SOLE |  | 5052 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 248969 | 836 | SH |  | SOLE |  | 836 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 26849 | 63 | SH |  | DFND |  | 63 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 2521222 | 5916 | SH |  | SOLE |  | 5916 | 0 | 0 |
| TJX COS INC NEW | COM | 872540109 |  | 390185 | 3115 | SH |  | SOLE |  | 3115 | 0 | 0 |
| TORONTO DOMINION BK ONT | COM NEW | 891160509 |  | 270246 | 3650 | SH |  | SOLE |  | 3650 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 352445 | 1490 | SH |  | DFND |  | 27 | 0 | 1463 |
| UNION PAC CORP | COM | 907818108 |  | 564384 | 2386 | SH |  | SOLE |  | 2386 | 0 | 0 |
| UNITED RENTALS INC | COM | 911363109 |  | 49863 | 63 | SH |  | DFND |  | 63 | 0 | 0 |
| UNITED RENTALS INC | COM | 911363109 |  | 2676785 | 3382 | SH |  | SOLE |  | 3382 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 309239 | 1005 | SH |  | SOLE |  | 1005 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 285785 | 652 | SH |  | SOLE |  | 652 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 367806 | 1304 | SH |  | SOLE |  | 1304 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 14506 | 60 | SH |  | DFND | 2 | 60 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 310191 | 1283 | SH |  | SOLE |  | 1283 | 0 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 256300 | 1439 | SH |  | SOLE |  | 1439 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 999231 | 20430 | SH |  | SOLE |  | 20430 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 226599 | 3981 | SH |  | SOLE |  | 3981 | 0 | 0 |
| VEEVA SYS INC | CL A COM | 922475108 |  | 9822 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| VEEVA SYS INC | CL A COM | 922475108 |  | 1243472 | 4431 | SH |  | SOLE |  | 4431 | 0 | 0 |
| VERISK ANALYTICS INC | COM | 92345Y106 |  | 219342 | 725 | SH |  | SOLE |  | 725 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 38797 | 901 | SH |  | DFND |  | 901 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 2437670 | 56611 | SH |  | SOLE |  | 56611 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 24819 | 70 | SH |  | DFND |  | 70 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 3434526 | 9687 | SH |  | SOLE |  | 9687 | 0 | 0 |
| VISTRA CORP | COM | 92840M102 |  | 704807 | 3706 | SH |  | SOLE |  | 3706 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 15146 | 156 | SH |  | DFND |  | 156 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 995173 | 10250 | SH |  | SOLE |  | 10250 | 0 | 0 |

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