# EDGAR Filing Document

**Accession Number:** 0000936938
**File Stem:** 0000936938-26-000001
**Filing Date:** 2026-1
**Character Count:** 15092
**Document Hash:** 1ae743e46add15b0c933c4569a1ed85f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0000936938-26-000001.hdr.sgml**: 20260128

**ACCESSION NUMBER**: 0000936938-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260128

**DATE AS OF CHANGE**: 20260128

**EFFECTIVENESS DATE**: 20260128

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** CAPE ANN SAVINGS BANK
- **CENTRAL INDEX KEY:** 0000936938

**ORGANIZATION NAME:**
- **EIN:** 000000000

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-06579
- **FILM NUMBER:** 26572533

**BUSINESS ADDRESS:**
- **STREET 1:** 109 MAIN STREET
- **CITY:** GLOCUSTER
- **STATE:** MA
- **ZIP:** 01930
- **BUSINESS PHONE:** 9782837079

**MAIL ADDRESS:**
- **STREET 1:** 109 MAIN STREET
- **CITY:** GLOUCESTER
- **STATE:** MA
- **ZIP:** 01930

### 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:** CAPE ANN SAVINGS BANK<br>**Address:** 109 MAIN STREET<br>GLOUCESTER, MA 01930

**Form 13F File Number:** 028-06579

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:** Grace A. Brennan<br>**Title:** Trust Associate<br>**Phone:** 9782837079

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

Grace A. Brennan  Gloucester, MA  01-28-2026<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:** 109

**Form 13F Information Table Value Total:** $194851576

      (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 |
| ABBOTT LABORATORIES | Common Stock | 002824100 |  | 824032 | 6577 | SH |  | SOLE |  | 6577 | 0 | 0 |
| ABBVIE INC | Common Stock | 00287Y109 |  | 707862 | 3098 | SH |  | SOLE |  | 3098 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | Common Stock | 007903107 |  | 274125 | 1280 | SH |  | SOLE |  | 1280 | 0 | 0 |
| ALPHABET INC | Common Stock | 02079K107 |  | 1802363 | 5744 | SH |  | SOLE |  | 5744 | 0 | 0 |
| ALPHABET INC | Common Stock | 02079K305 |  | 7038953 | 22489 | SH |  | SOLE |  | 22489 | 0 | 0 |
| AMAZON.COM INC | Common Stock | 023135106 |  | 4022962 | 17429 | SH |  | SOLE |  | 17429 | 0 | 0 |
| AMERICAN ELEC PWR CO INC | Common Stock | 025537101 |  | 1283977 | 11135 | SH |  | SOLE |  | 11135 | 0 | 0 |
| AMGEN INC | Common Stock | 031162100 |  | 310290 | 948 | SH |  | SOLE |  | 948 | 0 | 0 |
| APPLE INC | Common Stock | 037833100 |  | 9316280 | 34269 | SH |  | SOLE |  | 34269 | 0 | 0 |
| APPLIED MATERIALS INC | Common Stock | 038222105 |  | 3579357 | 13928 | SH |  | SOLE |  | 13928 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC | Common Stock | 053015103 |  | 321795 | 1251 | SH |  | SOLE |  | 1251 | 0 | 0 |
| AXIAM INC. | Common Stock | 87508Y992 |  | 100 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| BANK OF AMERICA CORP | Common Stock | 060505104 |  | 1831115 | 33293 | SH |  | SOLE |  | 33293 | 0 | 0 |
| BERKSHIRE HATHAWAY INC | Common Stock | 084670702 |  | 1163132 | 2314 | SH |  | SOLE |  | 2314 | 0 | 0 |
| BLACKROCK INC | Common Stock | 09290D101 |  | 2273402 | 2124 | SH |  | SOLE |  | 2124 | 0 | 0 |
| BROADCOM INC | Common Stock | 11135F101 |  | 1716310 | 4959 | SH |  | SOLE |  | 4959 | 0 | 0 |
| CADENCE DESIGN SYSTEMS INC | Common Stock | 127387108 |  | 1430991 | 4578 | SH |  | SOLE |  | 4578 | 0 | 0 |
| CHEVRON CORP | Common Stock | 166764100 |  | 1722741 | 11303 | SH |  | SOLE |  | 11303 | 0 | 0 |
| CISCO SYSTEMS INC | Common Stock | 17275R102 |  | 337622 | 4383 | SH |  | SOLE |  | 4383 | 0 | 0 |
| COPART INC | Common Stock | 217204106 |  | 268961 | 6870 | SH |  | SOLE |  | 6870 | 0 | 0 |
| COSTCO WHSL CORP NEW | Common Stock | 22160K105 |  | 408749 | 474 | SH |  | SOLE |  | 474 | 0 | 0 |
| CUMMINS INC | Common Stock | 231021106 |  | 1716133 | 3362 | SH |  | SOLE |  | 3362 | 0 | 0 |
| DANAHER CORP | Common Stock | 235851102 |  | 294849 | 1288 | SH |  | SOLE |  | 1288 | 0 | 0 |
| DEERE  CO | Common Stock | 244199105 |  | 1207223 | 2593 | SH |  | SOLE |  | 2593 | 0 | 0 |
| ELI LILLY AND CO | Common Stock | 532457108 |  | 718961 | 669 | SH |  | SOLE |  | 669 | 0 | 0 |
| EMERSON ELECTRIC CO | Common Stock | 291011104 |  | 328615 | 2476 | SH |  | SOLE |  | 2476 | 0 | 0 |
| EOG RESOURCES INC | Common Stock | 26875P101 |  | 794296 | 7564 | SH |  | SOLE |  | 7564 | 0 | 0 |
| EXPEDITORS INTERNATIONAL OF WASHINGTON INC | Common Stock | 302130109 |  | 361349 | 2425 | SH |  | SOLE |  | 2425 | 0 | 0 |
| EXXON MOBIL CORP | Common Stock | 30231G102 |  | 381959 | 3174 | SH |  | SOLE |  | 3174 | 0 | 0 |
| GENERAL DYNAMICS CORP | Common Stock | 369550108 |  | 1851293 | 5499 | SH |  | SOLE |  | 5499 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Common Stock | 38141G104 |  | 334020 | 380 | SH |  | SOLE |  | 380 | 0 | 0 |
| HOME DEPOT INC | Common Stock | 437076102 |  | 447674 | 1301 | SH |  | SOLE |  | 1301 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | Common Stock | 438516106 |  | 277223 | 1421 | SH |  | SOLE |  | 1421 | 0 | 0 |
| INDUSTRIAL SELECT SECTOR SPDR | Common Stock | 81369Y704 |  | 919551 | 5928 | SH |  | SOLE |  | 5928 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE INC | Common Stock | 45866F104 |  | 1271872 | 7853 | SH |  | SOLE |  | 7853 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINES CORP | Common Stock | 459200101 |  | 1307471 | 4414 | SH |  | SOLE |  | 4414 | 0 | 0 |
| INVESCO DIVIDEND ACHIEVERS ETF | Exchange Traded Fund | 46137V506 |  | 783129 | 15205 | SH |  | SOLE |  | 15205 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD TR | Exchange Traded Fund | 46137V357 |  | 2389711 | 12475 | SH |  | SOLE |  | 12475 | 0 | 0 |
| INVESCO QQQ TR | Exchange Traded Fund | 46090E103 |  | 563937 | 918 | SH |  | SOLE |  | 918 | 0 | 0 |
| ISHARES BARCLAYS INTM GOVT/CREDIT | Fixed Income ETF | 464288612 |  | 300687 | 2801 | SH |  | SOLE |  | 2801 | 0 | 0 |
| ISHARES CORE S MID-CAP 400 ETF | Exchange Traded Fund | 464287507 |  | 16736148 | 253578 | SH |  | SOLE |  | 253578 | 0 | 0 |
| ISHARES CORE S SMALL-CAP ETF | Exchange Traded Fund | 464287804 |  | 3849966 | 32035 | SH |  | SOLE |  | 32035 | 0 | 0 |
| ISHARES ESG AWARE MSCI EAFE ETF | International Equity ETF | 46435G516 |  | 585279 | 6155 | SH |  | SOLE |  | 6155 | 0 | 0 |
| iSHARES ESG AWARE MSCI EM ETF | International Equity ETF | 46434G863 |  | 237016 | 5366 | SH |  | SOLE |  | 5366 | 0 | 0 |
| ISHARES ESG SCREENED S MC ETF | Exchange Traded Fund | 46436E551 |  | 264507 | 5924 | SH |  | SOLE |  | 5924 | 0 | 0 |
| ISHARES GOLD TR | Exchange Traded Fund | 464285204 |  | 11641077 | 143416 | SH |  | SOLE |  | 143416 | 0 | 0 |
| ISHARES MSCI EAFE ETF | International Equity ETF | 464287465 |  | 21434696 | 223208 | SH |  | SOLE |  | 223208 | 0 | 0 |
| ISHARES MSCI EMERG MKT | International Equity ETF | 46434G103 |  | 799515 | 11894 | SH |  | SOLE |  | 11894 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | Exchange Traded Fund | 464287655 |  | 1148829 | 4667 | SH |  | SOLE |  | 4667 | 0 | 0 |
| ISHARES RUSSELL 3000 INDEX FUND | Exchange Traded Fund | 464287689 |  | 280466 | 725 | SH |  | SOLE |  | 725 | 0 | 0 |
| ISHARES S 500 | Exchange Traded Fund | 464287200 |  | 10150811 | 14820 | SH |  | SOLE |  | 14820 | 0 | 0 |
| ISHARES TR | Exchange Traded Fund | 464287408 |  | 249394 | 1176 | SH |  | SOLE |  | 1176 | 0 | 0 |
| ISHARES TR | International Equity ETF | 464287234 |  | 256426 | 4687 | SH |  | SOLE |  | 4687 | 0 | 0 |
| ISHARES TR | International Equity ETF | 464288257 |  | 546576 | 3863 | SH |  | SOLE |  | 3863 | 0 | 0 |
| ISHARES TR | International Equity ETF | 46432F842 |  | 284214 | 3177 | SH |  | SOLE |  | 3177 | 0 | 0 |
| ISHARES TRUST S  P500/BAR | Exchange Traded Fund | 464287309 |  | 305192 | 2476 | SH |  | SOLE |  | 2476 | 0 | 0 |
| JOHNSON  JOHNSON | Common Stock | 478160104 |  | 3883279 | 18764 | SH |  | SOLE |  | 18764 | 0 | 0 |
| JPMORGAN CHASE  CO | Common Stock | 46625H100 |  | 2535227 | 7868 | SH |  | SOLE |  | 7868 | 0 | 0 |
| LOCKHEED MARTIN CORP | Common Stock | 539830109 |  | 355981 | 736 | SH |  | SOLE |  | 736 | 0 | 0 |
| MARRIOTT INTL INC NEW | Common Stock | 571903202 |  | 1674365 | 5397 | SH |  | SOLE |  | 5397 | 0 | 0 |
| MASTERCARD INC | Common Stock | 57636Q104 |  | 217505 | 381 | SH |  | SOLE |  | 381 | 0 | 0 |
| MCDONALD'S CORP | Common Stock | 580135101 |  | 1648568 | 5394 | SH |  | SOLE |  | 5394 | 0 | 0 |
| MEDTRONIC PLC | Common Stock | G5960L103 |  | 1129858 | 11762 | SH |  | SOLE |  | 11762 | 0 | 0 |
| MERCK  CO INC | Common Stock | 58933Y105 |  | 1355117 | 12874 | SH |  | SOLE |  | 12874 | 0 | 0 |
| META PLATFORMS INC ORD | Common Stock | 30303M102 |  | 1599398 | 2423 | SH |  | SOLE |  | 2423 | 0 | 0 |
| MICROSOFT CORP | Common Stock | 594918104 |  | 7125012 | 14733 | SH |  | SOLE |  | 14733 | 0 | 0 |
| MOODYS CORP | Common Stock | 615369105 |  | 337161 | 660 | SH |  | SOLE |  | 660 | 0 | 0 |
| MORGAN STANLEY | Common Stock | 617446448 |  | 1981235 | 11160 | SH |  | SOLE |  | 11160 | 0 | 0 |
| NETFLIX INC | Common Stock | 64110L106 |  | 227837 | 2430 | SH |  | SOLE |  | 2430 | 0 | 0 |
| NEXTERA ENERGY INC | Common Stock | 65339F101 |  | 1537041 | 19146 | SH |  | SOLE |  | 19146 | 0 | 0 |
| NVIDIA CORPORATION | Common Stock | 67066G104 |  | 3695125 | 19813 | SH |  | SOLE |  | 19813 | 0 | 0 |
| ORACLE CORP | Common Stock | 68389X105 |  | 1185443 | 6082 | SH |  | SOLE |  | 6082 | 0 | 0 |
| PALO ALTO NETWORKS INC | Common Stock | 697435105 |  | 902212 | 4898 | SH |  | SOLE |  | 4898 | 0 | 0 |
| PEPSICO INC | Common Stock | 713448108 |  | 2343969 | 16332 | SH |  | SOLE |  | 16332 | 0 | 0 |
| PFIZER INC | Common Stock | 717081103 |  | 290932 | 11684 | SH |  | SOLE |  | 11684 | 0 | 0 |
| PNC FINANCIAL SERVICES GROUP INC | Common Stock | 693475105 |  | 756855 | 3626 | SH |  | SOLE |  | 3626 | 0 | 0 |
| PROCTER  GAMBLE CO | Common Stock | 742718109 |  | 2677222 | 18681 | SH |  | SOLE |  | 18681 | 0 | 0 |
| PROLOGIS INC. | Common Stock | 74340W103 |  | 479619 | 3757 | SH |  | SOLE |  | 3757 | 0 | 0 |
| PUBLIC STORAGE | Common Stock | 74460D109 |  | 724784 | 2793 | SH |  | SOLE |  | 2793 | 0 | 0 |
| QUALYS INC | Common Stock | 74758T303 |  | 223937 | 1685 | SH |  | SOLE |  | 1685 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | Common Stock | 75513E101 |  | 1770727 | 9655 | SH |  | SOLE |  | 9655 | 0 | 0 |
| SALESFORCE INC | Common Stock | 79466L302 |  | 574590 | 2169 | SH |  | SOLE |  | 2169 | 0 | 0 |
| SELECT SECTOR SPDR TR XLC | Common Stock | 81369Y852 |  | 215663 | 1832 | SH |  | SOLE |  | 1832 | 0 | 0 |
| SELECT SECTOR SPDR TR XLE | Common Stock | 81369Y506 |  | 434492 | 9718 | SH |  | SOLE |  | 9718 | 0 | 0 |
| SELECT SECTOR SPDR TR XLK | Common Stock | 81369Y803 |  | 3049285 | 21180 | SH |  | SOLE |  | 21180 | 0 | 0 |
| SELECT SECTOR SPDR TR | Common Stock | 81369Y605 |  | 1316287 | 24033 | SH |  | SOLE |  | 24033 | 0 | 0 |
| SPDR GOLD TR | Exchange Traded Fund | 78463V107 |  | 202118 | 510 | SH |  | SOLE |  | 510 | 0 | 0 |
| SPDR S 500 ETF TRUST | Exchange Traded Fund | 78462F103 |  | 1806406 | 2649 | SH |  | SOLE |  | 2649 | 0 | 0 |
| STRYKER CORP | Common Stock | 863667101 |  | 920851 | 2620 | SH |  | SOLE |  | 2620 | 0 | 0 |
| TESLA INC | Common Stock | 88160R101 |  | 438027 | 974 | SH |  | SOLE |  | 974 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | Common Stock | 883556102 |  | 291463 | 503 | SH |  | SOLE |  | 503 | 0 | 0 |
| TJX COS INC NEW | Common Stock | 872540109 |  | 698465 | 4547 | SH |  | SOLE |  | 4547 | 0 | 0 |
| T-MOBILE US INC | Common Stock | 872590104 |  | 640185 | 3153 | SH |  | SOLE |  | 3153 | 0 | 0 |
| TORONTO-DOMINION BANK | Int'l Common Stock | 891160509 |  | 212327 | 2254 | SH |  | SOLE |  | 2254 | 0 | 0 |
| TRAVELERS COMPANIES INC | Common Stock | 89417E109 |  | 333569 | 1150 | SH |  | SOLE |  | 1150 | 0 | 0 |
| UBER TECHNOLOGIES INC | Common Stock | 90353T100 |  | 299876 | 3670 | SH |  | SOLE |  | 3670 | 0 | 0 |
| UNITED RENTALS INC | Common Stock | 911363109 |  | 380380 | 470 | SH |  | SOLE |  | 470 | 0 | 0 |
| UNITEDHEALTH GROUP INC | Common Stock | 91324P102 |  | 221174 | 670 | SH |  | SOLE |  | 670 | 0 | 0 |
| VANGUARD EMERGING MARKETS STOCK IDX | International Equity ETF | 922042858 |  | 1061706 | 19749 | SH |  | SOLE |  | 19749 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US ETF | International Equity ETF | 922042775 |  | 592894 | 8060 | SH |  | SOLE |  | 8060 | 0 | 0 |
| VANGUARD SHORT TERM TREASURY ETF | Fixed Income ETF | 92206C102 |  | 8271651 | 140842 | SH |  | SOLE |  | 140842 | 0 | 0 |
| VISA INC | Common Stock | 92826C839 |  | 2162945 | 6167 | SH |  | SOLE |  | 6167 | 0 | 0 |
| WALMART INC | Common Stock | 931142103 |  | 1679283 | 15073 | SH |  | SOLE |  | 15073 | 0 | 0 |
| WALT DISNEY CO | Common Stock | 254687106 |  | 539042 | 4738 | SH |  | SOLE |  | 4738 | 0 | 0 |
| WASTE MANAGEMENT INC | Common Stock | 94106L109 |  | 527524 | 2401 | SH |  | SOLE |  | 2401 | 0 | 0 |
| WISDOMTREE TR | Exchange Traded Fund | 97717W505 |  | 546599 | 10593 | SH |  | SOLE |  | 10593 | 0 | 0 |
| WISDOMTREE TR | Exchange Traded Fund | 97717W604 |  | 204513 | 6114 | SH |  | SOLE |  | 6114 | 0 | 0 |
| WISDOMTREE TR | International Equity ETF | 97717W703 |  | 467155 | 6794 | SH |  | SOLE |  | 6794 | 0 | 0 |
| ZOETIS INC | Common Stock | 98978V103 |  | 449513 | 3573 | SH |  | SOLE |  | 3573 | 0 | 0 |

---