# EDGAR Filing Document

**Accession Number:** 0002011321
**File Stem:** 0001172661-26-001541
**Filing Date:** 2026-4
**Character Count:** 12893
**Document Hash:** 4843974f67bb6fd92a81e3e796a50c22
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-26-001541.hdr.sgml**: 20260427

**ACCESSION NUMBER**: 0001172661-26-001541

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260427

**DATE AS OF CHANGE**: 20260427

**EFFECTIVENESS DATE**: 20260427

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mustard Seed Financial, LLC
- **CENTRAL INDEX KEY:** 0002011321

**ORGANIZATION NAME:**
- **EIN:** 432025237
- **STATE OF INCORPORATION:** AR
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23781
- **FILM NUMBER:** 26901350

**BUSINESS ADDRESS:**
- **STREET 1:** 202 S PINE
- **CITY:** MAGNOLIA
- **STATE:** AR
- **ZIP:** 71753
- **BUSINESS PHONE:** 18702341618

**MAIL ADDRESS:**
- **STREET 1:** 202 S PINE
- **CITY:** MAGNOLIA
- **STATE:** AR
- **ZIP:** 71753

### 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:** Mustard Seed Financial LLC<br>**Address:** 202 S Pine<br>Magnolia, AR 71753

**Form 13F File Number:** 028-23781

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:** Jennifer Milam<br>**Title:** Chief Compliance Officer<br>**Phone:** 870-234-1618

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

/s/ Jennifer Milam  Magnolia, AR  04-27-2026<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:** 92

**Form 13F Information Table Value Total:** $166876423

      (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 | COM | 002824100 |  | 506677 | 4935 | SH |  | SOLE |  | 0 | 0 | 4935 |
| ABBVIE INC | COM | 00287Y109 |  | 1259268 | 5790 | SH |  | SOLE |  | 0 | 0 | 5790 |
| ALBEMARLE CORP | COM | 012653101 |  | 285054 | 1588 | SH |  | SOLE |  | 0 | 0 | 1588 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 373828 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 453470 | 1581 | SH |  | SOLE |  | 0 | 0 | 1581 |
| AMAZON COM INC | COM | 023135106 |  | 509249 | 2445 | SH |  | SOLE |  | 0 | 0 | 2445 |
| APPLE INC | COM | 037833100 |  | 2061590 | 8123 | SH |  | SOLE |  | 0 | 0 | 8123 |
| ARK 21SHARES BITCOIN ETF | SHS BEN INT | 040919102 |  | 957355 | 42568 | SH |  | SOLE |  | 0 | 0 | 42568 |
| AT INC | COM | 00206R102 |  | 237888 | 8206 | SH |  | SOLE |  | 0 | 0 | 8206 |
| BANK OZK LITTLE ROCK ARK | COM | 06417N103 |  | 441094 | 9612 | SH |  | SOLE |  | 0 | 0 | 9612 |
| CHEVRON CORPORATION | COM | 166764100 |  | 395386 | 1911 | SH |  | SOLE |  | 0 | 0 | 1911 |
| CLEVELAND-CLIFFS INC NEW | COM | 185899101 |  | 96780 | 11453 | SH |  | SOLE |  | 0 | 0 | 11453 |
| DILLARDS INC | CL A | 254067101 |  | 203100 | 355 | SH |  | SOLE |  | 0 | 0 | 355 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 678481 | 19096 | SH |  | SOLE |  | 0 | 0 | 19096 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 2091153 | 59679 | SH |  | SOLE |  | 0 | 0 | 59679 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 1098848 | 22675 | SH |  | SOLE |  | 0 | 0 | 22675 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 861598 | 16324 | SH |  | SOLE |  | 0 | 0 | 16324 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 1024418 | 14447 | SH |  | SOLE |  | 0 | 0 | 14447 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 1170151 | 15860 | SH |  | SOLE |  | 0 | 0 | 15860 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 7957903 | 222848 | SH |  | SOLE |  | 0 | 0 | 222848 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 417434 | 12082 | SH |  | SOLE |  | 0 | 0 | 12082 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 3032576 | 63337 | SH |  | SOLE |  | 0 | 0 | 63337 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 1 | 25434V625 |  | 254952 | 3537 | SH |  | SOLE |  | 0 | 0 | 3537 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 3000446 | 88613 | SH |  | SOLE |  | 0 | 0 | 88613 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 325020 | 5204 | SH |  | SOLE |  | 0 | 0 | 5204 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 912273 | 17990 | SH |  | SOLE |  | 0 | 0 | 17990 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 374224 | 5261 | SH |  | SOLE |  | 0 | 0 | 5261 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 6555638 | 168266 | SH |  | SOLE |  | 0 | 0 | 168266 |
| ELI LILLY  CO | COM | 532457108 |  | 1201418 | 1306 | SH |  | SOLE |  | 0 | 0 | 1306 |
| ENTERGY CORP NEW | COM | 29364G103 |  | 308301 | 2744 | SH |  | SOLE |  | 0 | 0 | 2744 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 2963144 | 17465 | SH |  | SOLE |  | 0 | 0 | 17465 |
| FIDELITY WISE ORIGIN BITCOIN | SHS | 315948109 |  | 973641 | 16494 | SH |  | SOLE |  | 0 | 0 | 16494 |
| GE AEROSPACE | COM NEW | 369604301 |  | 208571 | 735 | SH |  | SOLE |  | 0 | 0 | 735 |
| HUNT J B TRANS SVCS INC | COM | 445658107 |  | 254280 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| HUNTINGTON BANCSHARES INC | COM | 446150104 |  | 897622 | 57356 | SH |  | SOLE |  | 0 | 0 | 57356 |
| INTEL CORP | COM | 458140100 |  | 234331 | 5310 | SH |  | SOLE |  | 0 | 0 | 5310 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 450629 | 2348 | SH |  | SOLE |  | 0 | 0 | 2348 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 232027 | 402 | SH |  | SOLE |  | 0 | 0 | 402 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 316555 | 1295 | SH |  | SOLE |  | 0 | 0 | 1295 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 378524 | 1287 | SH |  | SOLE |  | 0 | 0 | 1287 |
| MANULIFE FINL CORP | COM | 56501R106 |  | 239014 | 6940 | SH |  | SOLE |  | 0 | 0 | 6940 |
| MICROSOFT CORP | COM | 594918104 |  | 770324 | 2081 | SH |  | SOLE |  | 0 | 0 | 2081 |
| MURPHY OIL CORP | COM | 626717102 |  | 884726 | 21448 | SH |  | SOLE |  | 0 | 0 | 21448 |
| MURPHY USA INC | COM | 626755102 |  | 1203805 | 2437 | SH |  | SOLE |  | 0 | 0 | 2437 |
| NETFLIX INC. | COM | 64110L106 |  | 280758 | 2920 | SH |  | SOLE |  | 0 | 0 | 2920 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 3953000 | 22666 | SH |  | SOLE |  | 0 | 0 | 22666 |
| ORACLE CORP | COM | 68389X105 |  | 499788 | 3397 | SH |  | SOLE |  | 0 | 0 | 3397 |
| PEPSICO INC | COM | 713448108 |  | 484661 | 3121 | SH |  | SOLE |  | 0 | 0 | 3121 |
| PROCTER  GAMBLE CO | COM | 742718109 |  | 1605756 | 11117 | SH |  | SOLE |  | 0 | 0 | 11117 |
| QUANTA SVCS INC | COM | 74762E102 |  | 220707 | 402 | SH |  | SOLE |  | 0 | 0 | 402 |
| ROSS STORES INC | COM | 778296103 |  | 303282 | 1400 | SH |  | SOLE |  | 0 | 0 | 1400 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 290693 | 4745 | SH |  | SOLE |  | 0 | 0 | 4745 |
| SIMMONS FIRST NATL CORP | CL A $1 PAR | 828730200 |  | 668147 | 34352 | SH |  | SOLE |  | 0 | 0 | 34352 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 200085 | 465 | SH |  | SOLE |  | 0 | 0 | 465 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A508 |  | 250220 | 4422 | SH |  | SOLE |  | 0 | 0 | 4422 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A474 |  | 527668 | 17548 | SH |  | SOLE |  | 0 | 0 | 17548 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A409 |  | 334040 | 3412 | SH |  | SOLE |  | 0 | 0 | 3412 |
| STANDARD LITHIUM LTD | COM | 853606101 |  | 333338 | 97753 | SH |  | SOLE |  | 0 | 0 | 97753 |
| STATE STR SPDR S 500 ETF T | TR UNIT | 78462F103 |  | 359654 | 553 | SH |  | SOLE |  | 0 | 0 | 553 |
| TEXAS INSTRS INC | COM | 882508104 |  | 313148 | 1613 | SH |  | SOLE |  | 0 | 0 | 1613 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 262473 | 970 | SH |  | SOLE |  | 0 | 0 | 970 |
| VANGUARD BD INDEX FDS | VANGUARD ULTRA | 92203C303 |  | 3983348 | 80011 | SH |  | SOLE |  | 0 | 0 | 80011 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 384236 | 5218 | SH |  | SOLE |  | 0 | 0 | 5218 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 16013919 | 204233 | SH |  | SOLE |  | 0 | 0 | 204233 |
| VANGUARD BD INDEX FDS | INTERMED TERM | 921937819 |  | 10270210 | 133068 | SH |  | SOLE |  | 0 | 0 | 133068 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 1403292 | 4886 | SH |  | SOLE |  | 0 | 0 | 4886 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 10307613 | 23599 | SH |  | SOLE |  | 0 | 0 | 23599 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 2214958 | 10195 | SH |  | SOLE |  | 0 | 0 | 10195 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 1214690 | 2033 | SH |  | SOLE |  | 0 | 0 | 2033 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 911107 | 10272 | SH |  | SOLE |  | 0 | 0 | 10272 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 2510913 | 8307 | SH |  | SOLE |  | 0 | 0 | 8307 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 230663 | 719 | SH |  | SOLE |  | 0 | 0 | 719 |
| VANGUARD INDEX FDS | MCAP GR IDXVIP | 922908538 |  | 2882544 | 11201 | SH |  | SOLE |  | 0 | 0 | 11201 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 1844575 | 6172 | SH |  | SOLE |  | 0 | 0 | 6172 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 7411309 | 37774 | SH |  | SOLE |  | 0 | 0 | 37774 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1503444 | 5740 | SH |  | SOLE |  | 0 | 0 | 5740 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 4516305 | 24508 | SH |  | SOLE |  | 0 | 0 | 24508 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 816129 | 5900 | SH |  | SOLE |  | 0 | 0 | 5900 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 851787 | 15759 | SH |  | SOLE |  | 0 | 0 | 15759 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1360389 | 27235 | SH |  | SOLE |  | 0 | 0 | 27235 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 7371926 | 147764 | SH |  | SOLE |  | 0 | 0 | 147764 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 14455307 | 182355 | SH |  | SOLE |  | 0 | 0 | 182355 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 304769 | 3683 | SH |  | SOLE |  | 0 | 0 | 3683 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 317012 | 1474 | SH |  | SOLE |  | 0 | 0 | 1474 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 6299137 | 81690 | SH |  | SOLE |  | 0 | 0 | 81690 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 594899 | 9284 | SH |  | SOLE |  | 0 | 0 | 9284 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 629870 | 4253 | SH |  | SOLE |  | 0 | 0 | 4253 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 414602 | 594 | SH |  | SOLE |  | 0 | 0 | 594 |
| VANGUARD WORLD FD | FINANCIALS ETF | 92204A405 |  | 338268 | 2800 | SH |  | SOLE |  | 0 | 0 | 2800 |
| VANGUARD WORLD FD | ENERGY ETF | 92204A306 |  | 241319 | 1395 | SH |  | SOLE |  | 0 | 0 | 1395 |
| WALMART INC | COM | 931142103 |  | 5134069 | 41310 | SH |  | SOLE |  | 0 | 0 | 41310 |
| XYLEM INC | COM | 98419M100 |  | 203630 | 1704 | SH |  | SOLE |  | 0 | 0 | 1704 |

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