# EDGAR Filing Document

**Accession Number:** 0001074902
**File Stem:** 0001074902-25-000027
**Filing Date:** 2025-11
**Character Count:** 23853
**Document Hash:** 38c0a826e86523786dd4f51b5755f62f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001074902-25-000027.hdr.sgml**: 20251110

**ACCESSION NUMBER**: 0001074902-25-000027

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251110

**DATE AS OF CHANGE**: 20251110

**EFFECTIVENESS DATE**: 20251110

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** LCNB CORP
- **CENTRAL INDEX KEY:** 0001074902
- **STANDARD INDUSTRIAL CLASSIFICATION:** NATIONAL COMMERCIAL BANKS [6021]
- **ORGANIZATION NAME:** 02 Finance
- **EIN:** 311626393
- **STATE OF INCORPORATION:** OH
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17888
- **FILM NUMBER:** 251466205

**BUSINESS ADDRESS:**
- **STREET 1:** 2 NORTH BROADWAY
- **STREET 2:** PO BOX 59
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036
- **BUSINESS PHONE:** 5139321414

**MAIL ADDRESS:**
- **STREET 1:** 2 NORTH BROADWAY
- **STREET 2:** PO BOX 59
- **CITY:** LEBANON
- **STATE:** OH
- **ZIP:** 45036

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 09-30-2025

**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:** LCNB CORP<br>**Address:** 2 NORTH BROADWAY<br>PO BOX 59<br>LEBANON, OH 45036

**Form 13F File Number:** 028-17888

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:** Bradley A. Ruppert<br>**Title:** Executive Vice President and Chief Investment Officer<br>**Phone:** 5139321414

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

Bradley A. Ruppert  Lebanon, OH  11-10-2025<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:** 0

**Form 13F Information Table Entry Total:** 183

**Form 13F Information Table Value Total:** $285817461

      (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 |
| 3M Co. | Common Stock | 88579Y101 |  | 629410 | 4056 | SH |  | SOLE |  | 4056 | 0 | 0 |
| Abbott Laboratories | Common Stock | 002824100 |  | 2059595 | 15377 | SH |  | SOLE |  | 9758 | 0 | 5619 |
| Abbvie Inc. | Common Stock | 00287Y109 |  | 1732489 | 7482 | SH |  | SOLE |  | 3953 | 0 | 3529 |
| Accenture PLC | Int'l Common Stock | G1151C101 |  | 1204888 | 4886 | SH |  | SOLE |  | 3155 | 0 | 1731 |
| Aflac Inc. | Common Stock | 001055102 |  | 217145 | 1944 | SH |  | SOLE |  | 1944 | 0 | 0 |
| Air Products  Chemicals Inc | Common Stock | 009158106 |  | 281720 | 1033 | SH |  | SOLE |  | 941 | 0 | 92 |
| Alphabet Inc. | Common Stock | 02079K107 |  | 5468367 | 22453 | SH |  | SOLE |  | 17301 | 0 | 5152 |
| Alphabet Inc. | Common Stock | 02079K305 |  | 5042137 | 20741 | SH |  | SOLE |  | 17671 | 0 | 3070 |
| Amazon.com Inc | Common Stock | 023135106 |  | 2511003 | 11436 | SH |  | SOLE |  | 11436 | 0 | 0 |
| American Express Co. | Common Stock | 025816109 |  | 462367 | 1392 | SH |  | SOLE |  | 1180 | 0 | 212 |
| Amgen Inc. | Common Stock | 031162100 |  | 1942100 | 6882 | SH |  | SOLE |  | 4654 | 0 | 2228 |
| Analog Devices Inc. | Common Stock | 032654105 |  | 860196 | 3501 | SH |  | SOLE |  | 1809 | 0 | 1692 |
| Apple Inc. | Common Stock | 037833100 |  | 8155799 | 32030 | SH |  | SOLE |  | 21019 | 0 | 11011 |
| Applied Materials | Common Stock | 038222105 |  | 333317 | 1628 | SH |  | SOLE |  | 1628 | 0 | 0 |
| Automatic Data Processing | Common Stock | 053015103 |  | 1624816 | 5536 | SH |  | SOLE |  | 3724 | 0 | 1812 |
| Bank of America Corp. | Common Stock | 060505104 |  | 487680 | 9453 | SH |  | SOLE |  | 9453 | 0 | 0 |
| Becton Dickinson and Co. | Common Stock | 075887109 |  | 567499 | 3032 | SH |  | SOLE |  | 3032 | 0 | 0 |
| Berkshire Hathaway Inc. | Common Stock | 084670702 |  | 2310090 | 4595 | SH |  | SOLE |  | 2098 | 0 | 2497 |
| BlackRock Inc. | Common Stock | 09290D101 |  | 509485 | 437 | SH |  | SOLE |  | 384 | 0 | 53 |
| Blackstone Inc. | Common Stock | 09260D107 |  | 1105058 | 6468 | SH |  | SOLE |  | 6468 | 0 | 0 |
| Block Inc | Common Stock | 852234103 |  | 667197 | 9232 | SH |  | SOLE |  | 9232 | 0 | 0 |
| Boeing Co. | Common Stock | 097023105 |  | 460581 | 2134 | SH |  | SOLE |  | 1684 | 0 | 450 |
| Booking Holdings Inc. | Common Stock | 09857L108 |  | 226769 | 42 | SH |  | SOLE |  | 42 | 0 | 0 |
| Bristol-Myers Squibb Co | Common Stock | 110122108 |  | 214225 | 4750 | SH |  | SOLE |  | 4750 | 0 | 0 |
| Broadcom Ltd. | Common Stock | 11135F101 |  | 6680678 | 20250 | SH |  | SOLE |  | 20250 | 0 | 0 |
| C H Robinson Worldwide Inc. | Common Stock | 12541W209 |  | 291942 | 2205 | SH |  | SOLE |  | 2205 | 0 | 0 |
| Canadian Pacific Kansas City Limited | Int'l Common Stock | 13646K108 |  | 305111 | 4096 | SH |  | SOLE |  | 1917 | 0 | 2179 |
| Capital One Financial Corp. | Common Stock | 14040H105 |  | 213218 | 1003 | SH |  | SOLE |  | 890 | 0 | 113 |
| Cardinal Health Inc. | Common Stock | 14149Y108 |  | 754978 | 4810 | SH |  | SOLE |  | 4810 | 0 | 0 |
| Caterpillar Inc. | Common Stock | 149123101 |  | 791592 | 1659 | SH |  | SOLE |  | 1659 | 0 | 0 |
| Charles Schwab Corp. | Common Stock | 808513105 |  | 726431 | 7609 | SH |  | SOLE |  | 7609 | 0 | 0 |
| Chevron Corporation | Common Stock | 166764100 |  | 1860440 | 11980 | SH |  | SOLE |  | 11093 | 0 | 887 |
| Chubb Ltd | Common Stock | H1467J104 |  | 1007915 | 3571 | SH |  | SOLE |  | 2207 | 0 | 1364 |
| Cincinnati Financial Corp | Common Stock | 172062101 |  | 3665707 | 23186 | SH |  | SOLE |  | 23186 | 0 | 0 |
| Cintas Corp. | Common Stock | 172908105 |  | 759462 | 3700 | SH |  | SOLE |  | 3700 | 0 | 0 |
| Cisco Systems Inc. | Common Stock | 17275R102 |  | 1064889 | 15564 | SH |  | SOLE |  | 14169 | 0 | 1395 |
| Citizens Financial Group Inc. | Common Stock | 174610105 |  | 236030 | 4440 | SH |  | SOLE |  | 4440 | 0 | 0 |
| Coca-Cola Company | Common Stock | 191216100 |  | 918466 | 13849 | SH |  | SOLE |  | 11876 | 0 | 1973 |
| Comcast Corp. | Common Stock | 20030N101 |  | 378988 | 12062 | SH |  | SOLE |  | 10909 | 0 | 1153 |
| Conocophillips | Common Stock | 20825C104 |  | 203274 | 2149 | SH |  | SOLE |  | 1873 | 0 | 276 |
| Corning Inc. | Common Stock | 219350105 |  | 1443318 | 17595 | SH |  | SOLE |  | 17595 | 0 | 0 |
| Cullen Frost Bankers Inc | Common Stock | 229899109 |  | 455104 | 3590 | SH |  | SOLE |  | 1000 | 0 | 2590 |
| Cummins Inc. | Common Stock | 231021106 |  | 545702 | 1292 | SH |  | SOLE |  | 1242 | 0 | 50 |
| Danaher Corp. | Common Stock | 235851102 |  | 362221 | 1827 | SH |  | SOLE |  | 1827 | 0 | 0 |
| Deere  Co. | Common Stock | 244199105 |  | 1162355 | 2542 | SH |  | SOLE |  | 1846 | 0 | 696 |
| Disney Walt Co. | Common Stock | 254687106 |  | 1039431 | 9078 | SH |  | SOLE |  | 8653 | 0 | 425 |
| Dominion Energy Inc. | Common Stock | 25746U109 |  | 340044 | 5559 | SH |  | SOLE |  | 5559 | 0 | 0 |
| Donaldson Company Inc. | Common Stock | 257651109 |  | 202579 | 2475 | SH |  | SOLE |  | 2475 | 0 | 0 |
| Duke Energy Holding Corp. | Common Stock | 26441C204 |  | 1404847 | 11352 | SH |  | SOLE |  | 9076 | 0 | 2276 |
| Eastman Chemical Company | Common Stock | 277432100 |  | 451690 | 7164 | SH |  | SOLE |  | 7164 | 0 | 0 |
| Eaton Corp. | Int'l Common Stock | G29183103 |  | 1455084 | 3888 | SH |  | SOLE |  | 3708 | 0 | 180 |
| EBay Inc. | Common Stock | 278642103 |  | 307320 | 3379 | SH |  | SOLE |  | 3379 | 0 | 0 |
| Ecolab Inc. | Common Stock | 278865100 |  | 236889 | 865 | SH |  | SOLE |  | 865 | 0 | 0 |
| Eli Lilly Co. | Common Stock | 532457108 |  | 1350510 | 1770 | SH |  | SOLE |  | 1770 | 0 | 0 |
| Emerson Electric Co. | Common Stock | 291011104 |  | 1208824 | 9215 | SH |  | SOLE |  | 8900 | 0 | 315 |
| Enbridge Inc. | Int'l Common Stock | 29250N105 |  | 711032 | 14091 | SH |  | SOLE |  | 10383 | 0 | 3708 |
| Energy Select Sector SPDR TR | Exchange Traded Fund | 81369Y506 |  | 331362 | 3709 | SH |  | SOLE |  | 3709 | 0 | 0 |
| EOG Resources Inc. | Common Stock | 26875P101 |  | 292409 | 2608 | SH |  | SOLE |  | 2398 | 0 | 210 |
| Exxon Mobil Corp. | Common Stock | 30231G102 |  | 1443877 | 12806 | SH |  | SOLE |  | 10704 | 0 | 2102 |
| Fed Ex Corp. | Common Stock | 31428X106 |  | 890890 | 3778 | SH |  | SOLE |  | 3748 | 0 | 30 |
| Fifth Third Bancorp | Common Stock | 316773100 |  | 648113 | 14548 | SH |  | SOLE |  | 13829 | 0 | 719 |
| Financial Select Sector SPDR TR | Exchange Traded Fund | 81369Y605 |  | 361037 | 6702 | SH |  | SOLE |  | 6702 | 0 | 0 |
| First Financial Bancorp | Common Stock | 320209109 |  | 425362 | 16846 | SH |  | SOLE |  | 16846 | 0 | 0 |
| First Trust Long/Short Equity ETF | Exchange Traded Fund | 33739P103 |  | 4075217 | 58259 | SH |  | SOLE |  | 58259 | 0 | 0 |
| Fiserv Inc. | Common Stock | 337738108 |  | 204354 | 1585 | SH |  | SOLE |  | 1585 | 0 | 0 |
| FT Vest U.S. Equity Deep Buffer ETF - Oct | Exchange Traded Fund | 33740F672 |  | 5366171 | 124208 | SH |  | SOLE |  | 124208 | 0 | 0 |
| FT Vest US Equity Deep Buffer ETF - April | Exchange Traded Fund | 33740U802 |  | 1212305 | 31378 | SH |  | SOLE |  | 31378 | 0 | 0 |
| GE Aerospace | Common Stock | 369604301 |  | 375122 | 1247 | SH |  | SOLE |  | 1122 | 0 | 125 |
| General Dynamics Corp. | Common Stock | 369550108 |  | 596409 | 1749 | SH |  | SOLE |  | 1736 | 0 | 13 |
| General Mills Inc. | Common Stock | 370334104 |  | 376436 | 7466 | SH |  | SOLE |  | 7466 | 0 | 0 |
| Goldman Sachs Physical Gold ETF | Exchange Traded Fund | 38150K103 |  | 401747 | 10539 | SH |  | SOLE |  | 10539 | 0 | 0 |
| Grainger W W Inc. | Common Stock | 384802104 |  | 290653 | 305 | SH |  | SOLE |  | 305 | 0 | 0 |
| Graphic Packaging Holding Company | Common Stock | 388689101 |  | 647180 | 33070 | SH |  | SOLE |  | 33070 | 0 | 0 |
| Home Depot Inc. | Common Stock | 437076102 |  | 1466788 | 3620 | SH |  | SOLE |  | 3525 | 0 | 95 |
| Honeywell International Inc. | Common Stock | 438516106 |  | 903677 | 4293 | SH |  | SOLE |  | 4118 | 0 | 175 |
| Illinois Tool Works Inc. | Common Stock | 452308109 |  | 727520 | 2790 | SH |  | SOLE |  | 1740 | 0 | 1050 |
| Intel Corp. | Common Stock | 458140100 |  | 390119 | 11628 | SH |  | SOLE |  | 11128 | 0 | 500 |
| International Business Machines Corp. | Common Stock | 459200101 |  | 1324177 | 4693 | SH |  | SOLE |  | 4330 | 0 | 363 |
| Invesco QQQ Trust Series | Exchange Traded Fund | 46090E103 |  | 1088471 | 1813 | SH |  | SOLE |  | 1813 | 0 | 0 |
| Invesco S 500 Equal Weight ETF | Exchange Traded Fund | 46137V357 |  | 681213 | 3591 | SH |  | SOLE |  | 3591 | 0 | 0 |
| IShares 1-3 Year Treasury Bond ETF | Fixed Income ETF | 464287457 |  | 295752 | 3565 | SH |  | SOLE |  | 3565 | 0 | 0 |
| IShares 20 Year Treasury Bond ETF | Fixed Income ETF | 464287432 |  | 558563 | 6250 | SH |  | SOLE |  | 6250 | 0 | 0 |
| IShares Biotechnology ETF | Exchange Traded Fund | 464287556 |  | 237489 | 1645 | SH |  | SOLE |  | 1645 | 0 | 0 |
| IShares Core S 500 ETF | Exchange Traded Fund | 464287200 |  | 1317852 | 1969 | SH |  | SOLE |  | 1969 | 0 | 0 |
| IShares Core US Aggregate Bond Fund | Fixed Income ETF | 464287226 |  | 2454521 | 24484 | SH |  | SOLE |  | 24484 | 0 | 0 |
| IShares Edge MSCI Min Vol USA ETF | Exchange Traded Fund | 46429B697 |  | 489971 | 5150 | SH |  | SOLE |  | 5150 | 0 | 0 |
| IShares Floating Rate Bond ETF | Fixed Income ETF | 46429B655 |  | 329703 | 6454 | SH |  | SOLE |  | 6454 | 0 | 0 |
| IShares Inc. Core MSCI Emerging Markets ETF | International Equity ETF | 46434G103 |  | 285895 | 4337 | SH |  | SOLE |  | 4337 | 0 | 0 |
| IShares Inc. TR Core MSCI EAFE ETF | International Equity ETF | 46432F842 |  | 20014508 | 229235 | SH |  | SOLE |  | 229235 | 0 | 0 |
| IShares MSCI India ETF | International Equity ETF | 46429B598 |  | 2867309 | 55077 | SH |  | SOLE |  | 55077 | 0 | 0 |
| iShares Russell 1000 ETF | Exchange Traded Fund | 464287622 |  | 937456 | 2565 | SH |  | SOLE |  | 2565 | 0 | 0 |
| iShares Russell 1000 Growth ETF | Exchange Traded Fund | 464287614 |  | 493952 | 1055 | SH |  | SOLE |  | 8 | 0 | 1047 |
| IShares S 500 Value ETF | Exchange Traded Fund | 464287408 |  | 355197 | 1720 | SH |  | SOLE |  | 1720 | 0 | 0 |
| IShares TR Core S Mid Cap ETF | Exchange Traded Fund | 464287507 |  | 2046227 | 31355 | SH |  | SOLE |  | 31355 | 0 | 0 |
| IShares TR Core S Small Cap ETF | Exchange Traded Fund | 464287804 |  | 1385439 | 11659 | SH |  | SOLE |  | 11659 | 0 | 0 |
| IShares TR Core S Total US Stock Market ETF | Exchange Traded Fund | 464287150 |  | 218475 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| IShares TR MSCI EAFE ETF | International Equity ETF | 464287465 |  | 894858 | 9584 | SH |  | SOLE |  | 9584 | 0 | 0 |
| IShares TR MSCI Emerging Markets ETF | International Equity ETF | 464287234 |  | 318584 | 5966 | SH |  | SOLE |  | 5966 | 0 | 0 |
| IShares TR Russell 2000 ETF | Exchange Traded Fund | 464287655 |  | 1225285 | 5064 | SH |  | SOLE |  | 5064 | 0 | 0 |
| IShares TR Russell 3000 ETF | Exchange Traded Fund | 464287689 |  | 8201398 | 21643 | SH |  | SOLE |  | 21493 | 0 | 150 |
| IShares TR Russell Mid Cap ETF | Exchange Traded Fund | 464287499 |  | 2208187 | 22871 | SH |  | SOLE |  | 19917 | 0 | 2954 |
| IShares TR Select Dividend ETF | Exchange Traded Fund | 464287168 |  | 288037 | 2027 | SH |  | SOLE |  | 2027 | 0 | 0 |
| IShares TR US Home Construction ETF | Exchange Traded Fund | 464288752 |  | 245066 | 2285 | SH |  | SOLE |  | 2285 | 0 | 0 |
| IShares US Healthcare ETF | Exchange Traded Fund | 464287762 |  | 234880 | 4000 | SH |  | SOLE |  | 4000 | 0 | 0 |
| Johnson  Johnson | Common Stock | 478160104 |  | 2379866 | 12835 | SH |  | SOLE |  | 11270 | 0 | 1565 |
| Johnson Controls International PLC | Int'l Common Stock | G51502105 |  | 221329 | 2013 | SH |  | SOLE |  | 2013 | 0 | 0 |
| JP Morgan Chase Co. | Common Stock | 46625H100 |  | 3644794 | 11555 | SH |  | SOLE |  | 9817 | 0 | 1738 |
| Kroger Co. | Common Stock | 501044101 |  | 1175428 | 17437 | SH |  | SOLE |  | 17437 | 0 | 0 |
| Lam Research Corporation | Common Stock | 512807306 |  | 2889428 | 21579 | SH |  | SOLE |  | 21579 | 0 | 0 |
| LCNB Corp. | Common Stock | 50181P100 |  | 3389959 | 226148 | SH |  | SOLE |  | 226148 | 0 | 0 |
| LCNB Corp. | Common Stock | 50181P100 |  | 4134842 | 275840 | SH |  | OTR |  | 275840 | 0 | 0 |
| Leggett  Platt Inc. | Common Stock | 524660107 |  | 168720 | 19000 | SH |  | SOLE |  | 19000 | 0 | 0 |
| Lockheed Martin Corp. | Common Stock | 539830109 |  | 1076796 | 2157 | SH |  | SOLE |  | 2157 | 0 | 0 |
| Lowes Co Inc. | Common Stock | 548661107 |  | 2248973 | 8949 | SH |  | SOLE |  | 6909 | 0 | 2040 |
| Marathon Petroleum Corp. | Common Stock | 56585A102 |  | 366784 | 1903 | SH |  | SOLE |  | 1903 | 0 | 0 |
| Mastercard Inc. | Common Stock | 57636Q104 |  | 1068225 | 1878 | SH |  | SOLE |  | 958 | 0 | 920 |
| McCormick Co Inc. | Common Stock | 579780206 |  | 310663 | 4643 | SH |  | SOLE |  | 4143 | 0 | 500 |
| McDonalds Corp. | Common Stock | 580135101 |  | 1511245 | 4973 | SH |  | SOLE |  | 3584 | 0 | 1389 |
| Medtronic PLC | Int'l Common Stock | G5960L103 |  | 692585 | 7272 | SH |  | SOLE |  | 7272 | 0 | 0 |
| Merck and Co Inc. | Common Stock | 58933Y105 |  | 2460492 | 29316 | SH |  | SOLE |  | 28504 | 0 | 812 |
| Meta Platforms Inc | Common Stock | 30303M102 |  | 615410 | 838 | SH |  | SOLE |  | 545 | 0 | 293 |
| Microsoft Corp. | Common Stock | 594918104 |  | 12680967 | 24483 | SH |  | SOLE |  | 18539 | 0 | 5944 |
| Mondelez International Inc | Common Stock | 609207105 |  | 613955 | 9828 | SH |  | SOLE |  | 9378 | 0 | 450 |
| Morgan Stanley | Common Stock | 617446448 |  | 302024 | 1900 | SH |  | SOLE |  | 1900 | 0 | 0 |
| New Linde PLC | Int'l Common Stock | G54950103 |  | 743375 | 1565 | SH |  | SOLE |  | 128 | 0 | 1437 |
| NextEra Energy Inc. | Common Stock | 65339F101 |  | 757467 | 10034 | SH |  | SOLE |  | 10034 | 0 | 0 |
| Nike Inc. | Common Stock | 654106103 |  | 495920 | 7112 | SH |  | SOLE |  | 7078 | 0 | 34 |
| Norfolk Southern Corp. | Common Stock | 655844108 |  | 574084 | 1911 | SH |  | SOLE |  | 1648 | 0 | 263 |
| Novartis AG ADR | Int'l Common Stock | 66987V109 |  | 1183783 | 9231 | SH |  | SOLE |  | 7365 | 0 | 1866 |
| Nvidia Corp | Common Stock | 67066G104 |  | 6484588 | 34755 | SH |  | SOLE |  | 14755 | 0 | 20000 |
| NXP Semiconductors | Int'l Common Stock | N6596X109 |  | 350932 | 1541 | SH |  | SOLE |  | 1541 | 0 | 0 |
| Oracle Corporation | Common Stock | 68389X105 |  | 1482979 | 5273 | SH |  | SOLE |  | 3977 | 0 | 1296 |
| Pepsico Inc. | Common Stock | 713448108 |  | 1448077 | 10311 | SH |  | SOLE |  | 7982 | 0 | 2329 |
| Pfizer Inc. | Common Stock | 717081103 |  | 299314 | 11747 | SH |  | SOLE |  | 11238 | 0 | 509 |
| Phillips 66 | Common Stock | 718546104 |  | 409284 | 3009 | SH |  | SOLE |  | 3009 | 0 | 0 |
| PNC Financial Services Group Inc. | Common Stock | 693475105 |  | 409696 | 2039 | SH |  | SOLE |  | 1888 | 0 | 151 |
| Procter  Gamble Co. | Common Stock | 742718109 |  | 245840 | 1600 | SH |  | OTR |  | 1600 | 0 | 0 |
| Procter  Gamble Co. | Common Stock | 742718109 |  | 9161996 | 59629 | SH |  | SOLE |  | 52965 | 0 | 6664 |
| Prudential Financial Inc. | Common Stock | 744320102 |  | 516521 | 4979 | SH |  | SOLE |  | 4979 | 0 | 0 |
| Qualcomm Inc. | Common Stock | 747525103 |  | 287636 | 1729 | SH |  | SOLE |  | 1695 | 0 | 34 |
| Regions Financial Corp. | Common Stock | 7591EP100 |  | 272534 | 10335 | SH |  | SOLE |  | 10335 | 0 | 0 |
| RTX Corporation | Common Stock | 75513E101 |  | 1179342 | 7048 | SH |  | SOLE |  | 4661 | 0 | 2387 |
| Schwab Strategic US TIPS ETF | Fixed Income ETF | 808524870 |  | 1060806 | 39362 | SH |  | SOLE |  | 39016 | 0 | 346 |
| Schwab US Large Cap Growth ETF | Exchange Traded Fund | 808524300 |  | 20638686 | 646778 | SH |  | SOLE |  | 646778 | 0 | 0 |
| Schwab US Large Cap Value ETF | Exchange Traded Fund | 808524409 |  | 19010518 | 653058 | SH |  | SOLE |  | 653058 | 0 | 0 |
| Schwab US Large-Cap | Exchange Traded Fund | 808524201 |  | 556459 | 21126 | SH |  | SOLE |  | 21126 | 0 | 0 |
| Schwab US Mid-Cap | Exchange Traded Fund | 808524508 |  | 227635 | 7680 | SH |  | SOLE |  | 7680 | 0 | 0 |
| Skyworks Solutions Inc | Common Stock | 83088M102 |  | 512841 | 6662 | SH |  | SOLE |  | 6662 | 0 | 0 |
| Southern Co. | Common Stock | 842587107 |  | 534111 | 5636 | SH |  | SOLE |  | 5617 | 0 | 19 |
| SPDR Gold TR | Exchange Traded Fund | 78463V107 |  | 1948687 | 5482 | SH |  | SOLE |  | 5045 | 0 | 437 |
| SPDR S 500 Trust ETF | Exchange Traded Fund | 78462F103 |  | 6442627 | 9671 | SH |  | SOLE |  | 9266 | 0 | 405 |
| SPDR S 500 Value | Exchange Traded Fund | 78464A508 |  | 345813 | 6250 | SH |  | SOLE |  | 6250 | 0 | 0 |
| SPDR S Mid Cap 400 ETF TR | Exchange Traded Fund | 78467Y107 |  | 858283 | 1440 | SH |  | SOLE |  | 1440 | 0 | 0 |
| Starbucks Corp. | Common Stock | 855244109 |  | 844985 | 9988 | SH |  | SOLE |  | 9988 | 0 | 0 |
| Stryker Corp. | Common Stock | 863667101 |  | 333812 | 903 | SH |  | SOLE |  | 903 | 0 | 0 |
| Sysco Corp. | Common Stock | 871829107 |  | 488194 | 5929 | SH |  | SOLE |  | 5654 | 0 | 275 |
| T Rowe Price Group Inc. | Common Stock | 74144T108 |  | 273330 | 2663 | SH |  | SOLE |  | 2663 | 0 | 0 |
| Taiwan Semiconductor MFG Ltd | Int'l Common Stock | 874039100 |  | 615276 | 2203 | SH |  | SOLE |  | 2028 | 0 | 175 |
| Technology Select Sector SPDR TR | Exchange Traded Fund | 81369Y803 |  | 504529 | 1790 | SH |  | SOLE |  | 1790 | 0 | 0 |
| Texas Instruments Inc. | Common Stock | 882508104 |  | 263836 | 1436 | SH |  | SOLE |  | 1035 | 0 | 401 |
| TJX Companies Inc. | Common Stock | 872540109 |  | 2226061 | 15401 | SH |  | SOLE |  | 9144 | 0 | 6257 |
| Tractor Supply Co. | Common Stock | 892356106 |  | 283440 | 4984 | SH |  | SOLE |  | 4984 | 0 | 0 |
| U.S. Bancorp | Common Stock | 902973304 |  | 1854229 | 38366 | SH |  | SOLE |  | 35221 | 0 | 3145 |
| Union Pacific Corp. | Common Stock | 907818108 |  | 367083 | 1553 | SH |  | SOLE |  | 1448 | 0 | 105 |
| Utilities Select Sector SPDR TR | Exchange Traded Fund | 81369Y886 |  | 228926 | 2625 | SH |  | SOLE |  | 2325 | 0 | 300 |
| Vanguard Dividend Appreciation ETF | Exchange Traded Fund | 921908844 |  | 1274672 | 5907 | SH |  | SOLE |  | 5907 | 0 | 0 |
| Vanguard FTSE Developed Markets ETF | International Equity ETF | 921943858 |  | 642582 | 10724 | SH |  | SOLE |  | 10724 | 0 | 0 |
| Vanguard High Dividend Yield Fund | Exchange Traded Fund | 921946406 |  | 531440 | 3770 | SH |  | SOLE |  | 710 | 0 | 3060 |
| Vanguard Intermediate-Term Treasury | Fixed Income ETF | 92206C706 |  | 1283802 | 21386 | SH |  | SOLE |  | 21386 | 0 | 0 |
| Vanguard International Equity Index Fund | International Equity ETF | 922042858 |  | 381590 | 7043 | SH |  | SOLE |  | 6499 | 0 | 544 |
| Vanguard Long-Term Corporate Bond | Fixed Income ETF | 92206C813 |  | 403004 | 5190 | SH |  | SOLE |  | 5190 | 0 | 0 |
| Vanguard S 500 Index Fund | Exchange Traded Fund | 922908363 |  | 1042883 | 1703 | SH |  | SOLE |  | 1703 | 0 | 0 |
| Vanguard Small-Cap Index Fund | Exchange Traded Fund | 922908751 |  | 476775 | 1875 | SH |  | SOLE |  | 1875 | 0 | 0 |
| Vanguard Tax-Exempt Bond Index | Fixed Income ETF | 922907746 |  | 273783 | 5468 | SH |  | SOLE |  | 5468 | 0 | 0 |
| Vanguard Total Stock Market Index | Exchange Traded Fund | 922908769 |  | 424324 | 1293 | SH |  | SOLE |  | 1293 | 0 | 0 |
| Verizon Communications Inc. | Common Stock | 92343V104 |  | 455454 | 10363 | SH |  | SOLE |  | 9106 | 0 | 1257 |
| Verizon Communications Inc. | Common Stock | 92343V104 |  | 72342 | 1646 | SH |  | OTR |  | 1646 | 0 | 0 |
| Visa Inc | Common Stock | 92826C839 |  | 306901 | 899 | SH |  | SOLE |  | 616 | 0 | 283 |
| Walmart Inc. | Common Stock | 931142103 |  | 1484064 | 14400 | SH |  | SOLE |  | 12954 | 0 | 1446 |
| WEC Energy Group Inc. | Common Stock | 92939U106 |  | 265620 | 2318 | SH |  | SOLE |  | 2218 | 0 | 100 |
| Welltower Inc. | Common Stock | 95040Q104 |  | 635247 | 3566 | SH |  | SOLE |  | 3566 | 0 | 0 |
| Whirlpool Corp. | Common Stock | 963320106 |  | 347569 | 4422 | SH |  | SOLE |  | 4422 | 0 | 0 |
| WisdomTree US Total Dividend Fund | Exchange Traded Fund | 97717W109 |  | 2804172 | 33383 | SH |  | SOLE |  | 33383 | 0 | 0 |

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