# EDGAR Filing Document

**Accession Number:** 0001985855
**File Stem:** 0001985855-26-000001
**Filing Date:** 2026-3
**Character Count:** 47352
**Document Hash:** 595242aa60dd9dfc44b3db6c33b05e05
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001985855-26-000001.hdr.sgml**: 20260306

**ACCESSION NUMBER**: 0001985855-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260306

**DATE AS OF CHANGE**: 20260306

**EFFECTIVENESS DATE**: 20260306

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** UNION SAVINGS BANK
- **CENTRAL INDEX KEY:** 0001985855

**ORGANIZATION NAME:**
- **EIN:** 060570800
- **STATE OF INCORPORATION:** CT
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23351
- **FILM NUMBER:** 26729967

**BUSINESS ADDRESS:**
- **STREET 1:** 13 NORTH STREET
- **STREET 2:** P.O. BOX 578
- **CITY:** LITCHFIELD
- **STATE:** CT
- **ZIP:** 06759
- **BUSINESS PHONE:** 8605676430

**MAIL ADDRESS:**
- **STREET 1:** 13 NORTH STREET
- **STREET 2:** P.O. BOX 578
- **CITY:** LITCHFIELD
- **STATE:** CT
- **ZIP:** 06759

### 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:** UNION SAVINGS BANK<br>**Address:** 13 NORTH STREET<br>P.O. BOX 578<br>LITCHFIELD, CT 06759

**Form 13F File Number:** 028-23351

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:** Kathleen VanOrmer<br>**Title:** VP Wealth Management Operations and Compliance Manager<br>**Phone:** 8605676430

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

Kathleen VanOrmer  Litchfield, CT  02-13-2026<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:** 409

**Form 13F Information Table Value Total:** $230837762

      (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 |
| TOTAL ENERGIES SE | FOREIGN EQUITIES | F92124100 |  | 14588 | 223 | SH |  | SOLE |  | 223 | 0 | 0 |
| AON PLC NPV | COMMON STOCK | G0403H108 |  | 22584 | 64 | SH |  | SOLE |  | 64 | 0 | 0 |
| ARCH CAPIT COM | COMMON STOCK | G0450A105 |  | 10455 | 109 | SH |  | SOLE |  | 109 | 0 | 0 |
| ACCENTURE PLC | FOREIGN EQUITIES | G1151C101 |  | 718729 | 2679 | SH |  | SOLE |  | 2531 | 0 | 148 |
| ACCENTURE PLC | FOREIGN EQUITIES | G1151C101 |  | 254875 | 950 | SH |  | DFND |  | 950 | 0 | 0 |
| EATON CORP PLC | FOREIGN EQUITIES | G29183103 |  | 128358 | 403 | SH |  | SOLE |  | 403 | 0 | 0 |
| JOHNSON CTLS INTL PLC | FOREIGN EQUITIES | G51502105 |  | 17363 | 145 | SH |  | SOLE |  | 145 | 0 | 0 |
| LINDE PLC NPV | COMMON STOCK | G54950103 |  | 449400 | 1054 | SH |  | SOLE |  | 1010 | 0 | 44 |
| LINDE PLC NPV | COMMON STOCK | G54950103 |  | 42639 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| MEDTRONIC PLC | FOREIGN EQUITIES | G5960L103 |  | 19596 | 204 | SH |  | SOLE |  | 204 | 0 | 0 |
| TE CONNECTIVITY PLC USD | COMMON STOCK | G87052109 |  | 4550 | 20 | SH |  | SOLE |  | 20 | 0 | 0 |
| ALCON INC CHF | FOREIGN EQUITIES | H01301128 |  | 3152 | 40 | SH |  | DFND |  | 40 | 0 | 0 |
| CHUBB LTD CHF | COMMON STOCK | H1467J104 |  | 104867 | 336 | SH |  | SOLE |  | 336 | 0 | 0 |
| GARMIN LTD | COMMON STOCK | H2906T109 |  | 22313 | 110 | SH |  | SOLE |  | 110 | 0 | 0 |
| UBS GROUP AG | COMMON STOCK | H42097107 |  | 18987 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| ASML HOLDING NV | COMMON STOCK | N07059210 |  | 6419 | 6 | SH |  | SOLE |  | 6 | 0 | 0 |
| MAGNUM ICE CREAM COMPANY NV | COMMON STOCK | N5505D105 |  | 396 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| NXP SEMICONDUCTORS NV | FOREIGN EQUITIES | N6596X109 |  | 140003 | 645 | SH |  | SOLE |  | 645 | 0 | 0 |
| AFLAC INCORPORATED | COMMON STOCK | 001055102 |  | 154266 | 1399 | SH |  | SOLE |  | 1399 | 0 | 0 |
| AFLAC INCORPORATED | COMMON STOCK | 001055102 |  | 33081 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 323859 | 13038 | SH |  | SOLE |  | 13038 | 0 | 0 |
| AT INC | COMMON STOCK | 00206R102 |  | 37260 | 1500 | SH |  | DFND |  | 1500 | 0 | 0 |
| ARK ETF TR INNOVATION ETF | COMMON STOCK | 00214Q104 |  | 11076 | 144 | SH |  | SOLE |  | 144 | 0 | 0 |
| ABBOTT LABS                 COM | COMMON STOCK | 002824100 |  | 915237 | 7305 | SH |  | SOLE |  | 7305 | 0 | 0 |
| ABBOTT LABS                 COM | COMMON STOCK | 002824100 |  | 167887 | 1340 | SH |  | DFND |  | 1340 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 797188 | 3489 | SH |  | SOLE |  | 3489 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 282184 | 1235 | SH |  | DFND |  | 935 | 0 | 300 |
| ADOBE SYSTEMS INC | COMMON STOCK | 00724F101 |  | 280331 | 801 | SH |  | SOLE |  | 801 | 0 | 0 |
| ADVANCED MICRO DEVICES | COMMON STOCK | 007903107 |  | 38120 | 178 | SH |  | SOLE |  | 178 | 0 | 0 |
| ADVANCED MICRO DEVICES | COMMON STOCK | 007903107 |  | 21416 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| AIRBNB INC | COMMON STOCK | 009066101 |  | 2578 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| AIR PRODUCTS AND CHEMICALS  INC. | COMMON STOCK | 009158106 |  | 7163 | 29 | SH |  | SOLE |  | 29 | 0 | 0 |
| ALPHABET INC | COMMON STOCK | 02079K107 |  | 749953 | 2390 | SH |  | SOLE |  | 2390 | 0 | 0 |
| ALPHABET INC | COMMON STOCK | 02079K107 |  | 75309 | 240 | SH |  | DFND |  | 240 | 0 | 0 |
| ALPHABET INC | COMMON STOCK | 02079K305 |  | 4598909 | 14693 | SH |  | SOLE |  | 14529 | 0 | 164 |
| ALPHABET INC | COMMON STOCK | 02079K305 |  | 75120 | 240 | SH |  | DFND |  | 240 | 0 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 169314 | 2937 | SH |  | SOLE |  | 2937 | 0 | 0 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 40355 | 700 | SH |  | DFND |  | 300 | 0 | 400 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 2301942 | 9973 | SH |  | SOLE |  | 9860 | 0 | 113 |
| AMAZON.COM INC | COMMON STOCK | 023135106 |  | 115410 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| AMEREN CORP | COMMON STOCK | 023608102 |  | 19972 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| AMERICA MOVIL S.A.B. DE C.V. | FOREIGN EQUITIES | 02390A101 |  | 14462 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| AMENTUM HOLDINGS INC | COMMON STOCK | 023939101 |  | 58 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| AMERICAN ELEC PWR INC       COM | COMMON STOCK | 025537101 |  | 26521 | 230 | SH |  | SOLE |  | 230 | 0 | 0 |
| AMERICAN EXPRESS CO         COM | COMMON STOCK | 025816109 |  | 928565 | 2510 | SH |  | SOLE |  | 2510 | 0 | 0 |
| AMERICAN TOWER REIT | COMMON STOCK | 03027X100 |  | 452787 | 2579 | SH |  | SOLE |  | 2579 | 0 | 0 |
| AMERICAN WTR WKS CO INC NEW COM | COMMON STOCK | 030420103 |  | 401668 | 3078 | SH |  | SOLE |  | 2934 | 0 | 144 |
| AMGEN INC. | COMMON STOCK | 031162100 |  | 417631 | 1276 | SH |  | SOLE |  | 1276 | 0 | 0 |
| AMPHENOL CL A | COMMON STOCK | 032095101 |  | 10540 | 78 | SH |  | SOLE |  | 78 | 0 | 0 |
| ANALOG DEVICES INC | COMMON STOCK | 032654105 |  | 68338 | 252 | SH |  | SOLE |  | 252 | 0 | 0 |
| APPLE INCORPORATED | COMMON STOCK | 037833100 |  | 5463054 | 20096 | SH |  | SOLE |  | 19926 | 0 | 170 |
| APPLE INCORPORATED | COMMON STOCK | 037833100 |  | 330841 | 1217 | SH |  | DFND |  | 1217 | 0 | 0 |
| APPLIED MATERIALS           COM | COMMON STOCK | 038222105 |  | 520895 | 2027 | SH |  | SOLE |  | 2027 | 0 | 0 |
| ARISTA NETWORKS INC | COMMON STOCK | 040413205 |  | 4848 | 37 | SH |  | SOLE |  | 37 | 0 | 0 |
| ASBURY AUTOMOTIVE GROUP | COMMON STOCK | 043436104 |  | 2790 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| ASTRAZENECA PLC SPON ADR | COMMON STOCK | 046353108 |  | 2757 | 30 | SH |  | SOLE |  | 30 | 0 | 0 |
| AUTOMATIC DATA PROCESSING   COM | COMMON STOCK | 053015103 |  | 1250848 | 4863 | SH |  | SOLE |  | 4863 | 0 | 0 |
| AUTOMATIC DATA PROCESSING   COM | COMMON STOCK | 053015103 |  | 259790 | 1010 | SH |  | DFND |  | 880 | 0 | 130 |
| BAKER HUGHES INC. CL A      COMMON | COMMON STOCK | 05722G100 |  | 3551 | 78 | SH |  | SOLE |  | 78 | 0 | 0 |
| BANK OF AMERICA CORP        NEW | COMMON STOCK | 060505104 |  | 567875 | 10325 | SH |  | SOLE |  | 10325 | 0 | 0 |
| BECTON DICKINSON  CO. | COMMON STOCK | 075887109 |  | 76462 | 394 | SH |  | SOLE |  | 394 | 0 | 0 |
| BERKLEY W R CORP | COMMON STOCK | 084423102 |  | 4206 | 60 | SH |  | SOLE |  | 60 | 0 | 0 |
| BERKSHIRE HATHAWAY INC      COM | COMMON STOCK | 084670108 |  | 24153600 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| BERKSHIRE HATHAWAY INC.     DEL CL B | COMMON STOCK | 084670702 |  | 624778 | 1243 | SH |  | SOLE |  | 1243 | 0 | 0 |
| ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF | ETF - INTERM | 092528884 |  | 303506 | 6016 | SH |  | SOLE |  | 6016 | 0 | 0 |
| ISHARES SHORT-TERM CALIFORNIA MUNI ACTIVE ETF | ETF - INTERM | 092528884 |  | 46161 | 915 | SH |  | DFND |  | 0 | 915 | 0 |
| BLACKSTONE GROUP INC | COMMON STOCK | 09260D107 |  | 1301536 | 8444 | SH |  | SOLE |  | 8192 | 0 | 252 |
| BLACKSTONE GROUP INC | COMMON STOCK | 09260D107 |  | 6936 | 45 | SH |  | DFND |  | 45 | 0 | 0 |
| BLACKROCK INC NEW NPV | COMMON STOCK | 09290D101 |  | 457029 | 427 | SH |  | SOLE |  | 427 | 0 | 0 |
| BOOKING HOLDINGS INC | COMMON STOCK | 09857L108 |  | 10710 | 2 | SH |  | SOLE |  | 2 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO     COM | COMMON STOCK | 110122108 |  | 455272 | 8442 | SH |  | SOLE |  | 8442 | 0 | 0 |
| BRISTOL MYERS SQUIBB CO     COM | COMMON STOCK | 110122108 |  | 69029 | 1280 | SH |  | DFND |  | 860 | 0 | 420 |
| BROADRIDGE FINL SOLUTIONS | COMMON STOCK | 11133T103 |  | 138365 | 620 | SH |  | SOLE |  | 620 | 0 | 0 |
| BROADCOM INC | COMMON STOCK | 11135F101 |  | 1437640 | 4154 | SH |  | SOLE |  | 4079 | 0 | 75 |
| BROADCOM INC | COMMON STOCK | 11135F101 |  | 11074 | 32 | SH |  | DFND |  | 32 | 0 | 0 |
| BROOKFIELD ASSET MGMT LTD | COMMON STOCK | 113004105 |  | 3247 | 62 | SH |  | SOLE |  | 62 | 0 | 0 |
| BROWN  BROWN INC. | COMMON STOCK | 115236101 |  | 5419 | 68 | SH |  | SOLE |  | 68 | 0 | 0 |
| BROWN-FORMAN CORP CLASS B | COMMON STOCK | 115637209 |  | 1615 | 62 | SH |  | SOLE |  | 62 | 0 | 0 |
| CBRE GROUP INC CL A | COMMON STOCK | 12504L109 |  | 173482 | 1079 | SH |  | SOLE |  | 958 | 0 | 121 |
| CDW CORP | COMMON STOCK | 12514G108 |  | 4358 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| CME GROUP INC | COMMON STOCK | 12572Q105 |  | 379279 | 1389 | SH |  | SOLE |  | 1286 | 0 | 103 |
| CSX CORP                    COM | COMMON STOCK | 126408103 |  | 137750 | 3800 | SH |  | SOLE |  | 3800 | 0 | 0 |
| CVS HEALTH CORP             COM | COMMON STOCK | 126650100 |  | 183557 | 2313 | SH |  | SOLE |  | 2313 | 0 | 0 |
| CADENCE DESIGN SYSTEMS      INC | COMMON STOCK | 127387108 |  | 4063 | 13 | SH |  | SOLE |  | 13 | 0 | 0 |
| CARLISLE COS INC | COMMON STOCK | 142339100 |  | 5117 | 16 | SH |  | SOLE |  | 16 | 0 | 0 |
| CARRIER GLOBAL CORP | COMMON STOCK | 14448C104 |  | 59391 | 1124 | SH |  | SOLE |  | 1124 | 0 | 0 |
| CASEYS GEN STORES | COMMON STOCK | 147528103 |  | 539423 | 976 | SH |  | SOLE |  | 940 | 0 | 36 |
| CASEYS GEN STORES | COMMON STOCK | 147528103 |  | 10501 | 19 | SH |  | DFND |  | 19 | 0 | 0 |
| CATERPILLAR INC             COM | COMMON STOCK | 149123101 |  | 811163 | 1416 | SH |  | SOLE |  | 1416 | 0 | 0 |
| CATERPILLAR INC             COM | COMMON STOCK | 149123101 |  | 54421 | 95 | SH |  | DFND |  | 95 | 0 | 0 |
| CHEVRON CORPORATION         COM | COMMON STOCK | 166764100 |  | 1008322 | 6616 | SH |  | SOLE |  | 6616 | 0 | 0 |
| CHURCH  DWIGHT CO.INC | COMMON STOCK | 171340102 |  | 117390 | 1400 | SH |  | SOLE |  | 1400 | 0 | 0 |
| CISCO SYSTEMS INC           COM | COMMON STOCK | 17275R102 |  | 687022 | 8919 | SH |  | SOLE |  | 8919 | 0 | 0 |
| CITIGROUP INC | COMMON STOCK | 172967424 |  | 171183 | 1467 | SH |  | SOLE |  | 1467 | 0 | 0 |
| CITIGROUP INC | COMMON STOCK | 172967424 |  | 46676 | 400 | SH |  | DFND |  | 400 | 0 | 0 |
| CLOROX CO CALIF             COM STK | COMMON STOCK | 189054109 |  | 83083 | 824 | SH |  | SOLE |  | 824 | 0 | 0 |
| COCA COLA COMPANY           COM | COMMON STOCK | 191216100 |  | 512225 | 7328 | SH |  | SOLE |  | 7328 | 0 | 0 |
| COCA COLA COMPANY           COM | COMMON STOCK | 191216100 |  | 17475 | 250 | SH |  | DFND |  | 250 | 0 | 0 |
| COGNIZANT TECHNOLOGY        SOLUTIONS CORP | COMMON STOCK | 192446102 |  | 3320 | 40 | SH |  | SOLE |  | 40 | 0 | 0 |
| COLGATE PALMOLIVE CO        COM | COMMON STOCK | 194162103 |  | 13748 | 174 | SH |  | SOLE |  | 174 | 0 | 0 |
| COMCAST CORP NEW CL A | COMMON STOCK | 20030N101 |  | 45476 | 1522 | SH |  | SOLE |  | 1522 | 0 | 0 |
| COMCAST CORP NEW CL A | COMMON STOCK | 20030N101 |  | 23246 | 778 | SH |  | DFND |  | 778 | 0 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 117944 | 1260 | SH |  | SOLE |  | 1260 | 0 | 0 |
| CONOCOPHILLIPS | COMMON STOCK | 20825C104 |  | 30423 | 325 | SH |  | DFND |  | 0 | 0 | 325 |
| CONSOLIDATED EDISON INC     COM | COMMON STOCK | 209115104 |  | 90083 | 907 | SH |  | SOLE |  | 907 | 0 | 0 |
| COPART INC NPV | COMMON STOCK | 217204106 |  | 4070 | 104 | SH |  | SOLE |  | 104 | 0 | 0 |
| CORTEVA INC. | COMMON STOCK | 22052L104 |  | 12733 | 190 | SH |  | SOLE |  | 190 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION | COMMON STOCK | 22160K105 |  | 1816059 | 2106 | SH |  | SOLE |  | 2086 | 0 | 20 |
| COSTCO WHOLESALE CORPORATION | COMMON STOCK | 22160K105 |  | 224208 | 260 | SH |  | DFND |  | 260 | 0 | 0 |
| CROWDSTIKE HOLDINGS INC. | COMMON STOCK | 22788C105 |  | 37969 | 81 | SH |  | SOLE |  | 81 | 0 | 0 |
| CROWN CASTLE INTL CORP | COMMON STOCK | 22822V101 |  | 6398 | 72 | SH |  | SOLE |  | 72 | 0 | 0 |
| CULLEN/FROST BANKERS INC | COMMON STOCK | 229899109 |  | 1519 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| CUMMINS INC | COMMON STOCK | 231021106 |  | 314433 | 616 | SH |  | SOLE |  | 616 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 561538 | 2453 | SH |  | SOLE |  | 2453 | 0 | 0 |
| DANAHER CORP | COMMON STOCK | 235851102 |  | 29759 | 130 | SH |  | DFND |  | 130 | 0 | 0 |
| DARDEN RESTAURANTS INC     COM | COMMON STOCK | 237194105 |  | 27603 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| DEERE  COMPANY | COMMON STOCK | 244199105 |  | 185296 | 398 | SH |  | SOLE |  | 398 | 0 | 0 |
| DEERE  COMPANY | COMMON STOCK | 244199105 |  | 55868 | 120 | SH |  | DFND |  | 120 | 0 | 0 |
| WALT DISNEY COMPANY         COM | COMMON STOCK | 254687106 |  | 158252 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| WALT DISNEY COMPANY         COM | COMMON STOCK | 254687106 |  | 51196 | 450 | SH |  | DFND |  | 450 | 0 | 0 |
| DOMINION RES INC VA NEW     COM | COMMON STOCK | 25746U109 |  | 96380 | 1645 | SH |  | SOLE |  | 1645 | 0 | 0 |
| DOMINION RES INC VA NEW     COM | COMMON STOCK | 25746U109 |  | 17577 | 300 | SH |  | DFND |  | 0 | 0 | 300 |
| DOMINO'S PIZZA INC | COMMON STOCK | 25754A201 |  | 3751 | 9 | SH |  | DFND |  | 9 | 0 | 0 |
| DOW INC                     COM | COMMON STOCK | 260557103 |  | 7080 | 303 | SH |  | DFND |  | 20 | 0 | 283 |
| DUKE ENERGY CORP NEW | COMMON STOCK | 26441C204 |  | 256917 | 2192 | SH |  | SOLE |  | 2192 | 0 | 0 |
| DUKE ENERGY CORP NEW | COMMON STOCK | 26441C204 |  | 105605 | 901 | SH |  | DFND |  | 751 | 0 | 150 |
| DUPONT DE NEMOURS INC. | COMMON STOCK | 26614N102 |  | 19738 | 491 | SH |  | SOLE |  | 491 | 0 | 0 |
| DUPONT DE NEMOURS INC. | COMMON STOCK | 26614N102 |  | 804 | 20 | SH |  | DFND |  | 20 | 0 | 0 |
| EOG RES INC | COMMON STOCK | 26875P101 |  | 325521 | 3100 | SH |  | SOLE |  | 2926 | 0 | 174 |
| ECOLAB INC | COMMON STOCK | 278865100 |  | 29663 | 113 | SH |  | SOLE |  | 113 | 0 | 0 |
| EMERSON ELEC CO             COM | COMMON STOCK | 291011104 |  | 115729 | 872 | SH |  | SOLE |  | 872 | 0 | 0 |
| EMERSON ELEC CO             COM | COMMON STOCK | 291011104 |  | 185808 | 1400 | SH |  | DFND |  | 1400 | 0 | 0 |
| ENBRIDGE INC                NPV | FOREIGN EQUITIES | 29250N105 |  | 680134 | 14223 | SH |  | SOLE |  | 14223 | 0 | 0 |
| ENBRIDGE INC                NPV | FOREIGN EQUITIES | 29250N105 |  | 335742 | 7021 | SH |  | DFND |  | 6335 | 0 | 686 |
| ENTERGY CORPORATION | COMMON STOCK | 29364G103 |  | 27543 | 298 | SH |  | SOLE |  | 298 | 0 | 0 |
| EQUINIX INC                 COM PAR $0.001 | COMMON STOCK | 29444U700 |  | 71251 | 93 | SH |  | SOLE |  | 93 | 0 | 0 |
| ESCO TECHNOLOGIES INC | COMMON STOCK | 296315104 |  | 41422 | 212 | SH |  | SOLE |  | 212 | 0 | 0 |
| EVERSOURCE ENERGY | COMMON STOCK | 30040W108 |  | 841354 | 12496 | SH |  | SOLE |  | 12496 | 0 | 0 |
| EXPEDITORS INTL WASH INC | COMMON STOCK | 302130109 |  | 2682 | 18 | SH |  | SOLE |  | 18 | 0 | 0 |
| EXXON MOBIL CORP            COM | COMMON STOCK | 30231G102 |  | 3455415 | 28714 | SH |  | SOLE |  | 28554 | 0 | 160 |
| EXXON MOBIL CORP            COM | COMMON STOCK | 30231G102 |  | 232256 | 1930 | SH |  | DFND |  | 1530 | 0 | 400 |
| META PLATFORMS | COMMON STOCK | 30303M102 |  | 1279873 | 1939 | SH |  | SOLE |  | 1882 | 0 | 57 |
| META PLATFORMS | COMMON STOCK | 30303M102 |  | 99012 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| FASTENAL | COMMON STOCK | 311900104 |  | 16052 | 400 | SH |  | DFND |  | 400 | 0 | 0 |
| FEDEX CORPORATION | COMMON STOCK | 31428X106 |  | 93009 | 322 | SH |  | SOLE |  | 322 | 0 | 0 |
| FEDEX CORPORATION | COMMON STOCK | 31428X106 |  | 28885 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| FISERV INC | COMMON STOCK | 337738108 |  | 114189 | 1700 | SH |  | SOLE |  | 1700 | 0 | 0 |
| FLEXSHARES MSTAR GLBL UPSTRM NAT RES IDX | ETF - ALTERNATIVE | 33939L407 |  | 11689 | 255 | SH |  | SOLE |  | 255 | 0 | 0 |
| FLEXSHARES 3 YEAR DURATION  TIPS ETF | ETF - INFLATION PROTECTED | 33939L506 |  | 1948 | 81 | SH |  | SOLE |  | 81 | 0 | 0 |
| GE HEALTHCARE TECHNOLOGIES INC. | COMMON STOCK | 36266G107 |  | 20258 | 247 | SH |  | SOLE |  | 247 | 0 | 0 |
| GE VERNOVA INC. | COMMON STOCK | 36828A101 |  | 540482 | 827 | SH |  | SOLE |  | 796 | 0 | 31 |
| GENERAL DYNAMICS CORP | COMMON STOCK | 369550108 |  | 124558 | 370 | SH |  | SOLE |  | 370 | 0 | 0 |
| GE AEROSPACE | COMMON STOCK | 369604301 |  | 890161 | 2890 | SH |  | SOLE |  | 2800 | 0 | 90 |
| GENERAL MILLS INC           COM | COMMON STOCK | 370334104 |  | 89512 | 1925 | SH |  | SOLE |  | 1925 | 0 | 0 |
| GENERAL MILLS INC           COM | COMMON STOCK | 370334104 |  | 9300 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| GILEAD SCIENCES INC | COMMON STOCK | 375558103 |  | 31666 | 258 | SH |  | SOLE |  | 258 | 0 | 0 |
| GLAXO SMITHKLINE PLC ADR NEW | COMMON STOCK | 37733W204 |  | 140398 | 2863 | SH |  | SOLE |  | 2863 | 0 | 0 |
| GOLDMAN SACHS GROUP | COMMON STOCK | 38141G104 |  | 95811 | 109 | SH |  | SOLE |  | 109 | 0 | 0 |
| HP INC | COMMON STOCK | 40434L105 |  | 28127 | 1263 | SH |  | SOLE |  | 1263 | 0 | 0 |
| HALEON PLC NPV ADR | COMMON STOCK | 405552100 |  | 13476 | 1333 | SH |  | SOLE |  | 1333 | 0 | 0 |
| HEICO CORP | COMMON STOCK | 422806109 |  | 5500 | 17 | SH |  | DFND |  | 17 | 0 | 0 |
| HEWLETT PACKARD ENT CO | COMMON STOCK | 42824C109 |  | 30337 | 1263 | SH |  | SOLE |  | 1263 | 0 | 0 |
| THE HOME DEPOT INC | COMMON STOCK | 437076102 |  | 820283 | 2384 | SH |  | SOLE |  | 2310 | 0 | 74 |
| THE HOME DEPOT INC | COMMON STOCK | 437076102 |  | 335487 | 975 | SH |  | DFND |  | 975 | 0 | 0 |
| HONEYWELL INTL INC          COM | COMMON STOCK | 438516106 |  | 698612 | 3581 | SH |  | SOLE |  | 3581 | 0 | 0 |
| IDACORP INC. | COMMON STOCK | 451107106 |  | 94920 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| IDEXX LABORATORIES INC | COMMON STOCK | 45168D104 |  | 2367820 | 3500 | SH |  | SOLE |  | 0 | 0 | 3500 |
| ILLINOIS TOOL WORKS INC | COMMON STOCK | 452308109 |  | 36945 | 150 | SH |  | DFND |  | 150 | 0 | 0 |
| INTEL CORP                  COM | COMMON STOCK | 458140100 |  | 5127 | 139 | SH |  | SOLE |  | 139 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE | COMMON STOCK | 45866F104 |  | 138635 | 856 | SH |  | SOLE |  | 856 | 0 | 0 |
| INTERCONTINENTAL EXCHANGE | COMMON STOCK | 45866F104 |  | 64784 | 400 | SH |  | DFND |  | 400 | 0 | 0 |
| INTERNAT'L BUSINESS MACHINES COM | COMMON STOCK | 459200101 |  | 403123 | 1361 | SH |  | SOLE |  | 1361 | 0 | 0 |
| INTERNAT'L BUSINESS MACHINES COM | COMMON STOCK | 459200101 |  | 266580 | 900 | SH |  | DFND |  | 900 | 0 | 0 |
| INVESCO QQQ | ETF - LARGE CAP | 46090E103 |  | 2317741 | 3773 | SH |  | SOLE |  | 3773 | 0 | 0 |
| INTUITIVE SURGICAL INC | COMMON STOCK | 46120E602 |  | 67394 | 119 | SH |  | SOLE |  | 119 | 0 | 0 |
| INTUIT                      COM | COMMON STOCK | 461202103 |  | 466999 | 705 | SH |  | SOLE |  | 705 | 0 | 0 |
| INVESCO S 500 QUALITY ETF | ETF - LARGE CAP | 46137V241 |  | 36153506 | 481792 | SH |  | SOLE |  | 467827 | 0 | 13965 |
| INVESCO S 500 QUALITY ETF | ETF - LARGE CAP | 46137V241 |  | 19134 | 255 | SH |  | DFND |  | 255 | 0 | 0 |
| INVESCO EXCHNG TRADED FD TR GLOBAL WATER | ETF - LARGE CAP | 46138E651 |  | 43222 | 979 | SH |  | SOLE |  | 979 | 0 | 0 |
| ETF ISHARES SILVER TR | ETF - EQUITIES | 46428Q109 |  | 113443 | 1761 | SH |  | SOLE |  | 1761 | 0 | 0 |
| ISHARES GO ISHARES NEW | ETF - ALTERNATIVE | 464285204 |  | 170944 | 2106 | SH |  | SOLE |  | 2106 | 0 | 0 |
| ISHARES SELECT DIVIDEND ETF | ETF - MID CAP | 464287168 |  | 1700017 | 12045 | SH |  | SOLE |  | 12045 | 0 | 0 |
| ISHARES SELECT DIVIDEND ETF | ETF - MID CAP | 464287168 |  | 18771 | 133 | SH |  | DFND |  | 133 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF - LARGE CAP | 464287200 |  | 637674 | 931 | SH |  | SOLE |  | 931 | 0 | 0 |
| ISHARES CORE TOTAL U S BOND MARKET ETF | ETF - INTERM | 464287226 |  | 345180 | 3456 | SH |  | SOLE |  | 3456 | 0 | 0 |
| ISHARES MSCI EMERGING MKTS  INDEX | ETF - EMERGING INTL | 464287234 |  | 246532 | 4507 | SH |  | SOLE |  | 4507 | 0 | 0 |
| ISHARES MSCI EMERGING MKTS  INDEX | ETF - EMERGING INTL | 464287234 |  | 5579 | 102 | SH |  | DFND |  | 102 | 0 | 0 |
| ISHARES IBOXX $ INV GRADE   CORP BOND ETF | ETF - INTERM | 464287242 |  | 62696 | 569 | SH |  | SOLE |  | 569 | 0 | 0 |
| ISHARES GLOBAL COMMUNICATION SERVICES ETF | ETF - LARGE CAP | 464287275 |  | 8848 | 73 | SH |  | SOLE |  | 73 | 0 | 0 |
| ISHARES S GROWTH INDEX    FUND | ETF - LARGE CAP | 464287309 |  | 1259588 | 10219 | SH |  | SOLE |  | 10219 | 0 | 0 |
| ISHARES S VALUE INDEX     FUND | ETF - LARGE CAP | 464287408 |  | 389782 | 1838 | SH |  | SOLE |  | 1838 | 0 | 0 |
| ISHS BARCLAYS 1-3 YR TREAS   BD FD | ETF - SHORT | 464287457 |  | 45048 | 544 | SH |  | SOLE |  | 544 | 0 | 0 |
| ISHARES MSCI EAFE INDEX | ETF - DEVELOPED INTL | 464287465 |  | 101599 | 1058 | SH |  | SOLE |  | 1058 | 0 | 0 |
| ISHARES MSCI EAFE INDEX | ETF - DEVELOPED INTL | 464287465 |  | 33514 | 349 | SH |  | DFND |  | 349 | 0 | 0 |
| ISHARES RUSSELL MIDCAP      VALUE INDEX FUND | ETF - MID CAP | 464287473 |  | 280685 | 1990 | SH |  | SOLE |  | 1990 | 0 | 0 |
| ISHARES RUSSELL MIDCAP      GROWTH INDEX FUND | ETF - MID CAP | 464287481 |  | 108864 | 795 | SH |  | SOLE |  | 795 | 0 | 0 |
| ISHARES RUSSELL MIDCAP      INDEX FUND | ETF - EQUITIES | 464287499 |  | 543634 | 5647 | SH |  | SOLE |  | 5647 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | ETF - MID CAP | 464287507 |  | 10585938 | 160393 | SH |  | SOLE |  | 159312 | 0 | 1081 |
| NASDAQ BIOTECHNOLOGY        I SHARES | ETF - EQUITIES | 464287556 |  | 75945 | 450 | SH |  | SOLE |  | 450 | 0 | 0 |
| NASDAQ BIOTECHNOLOGY        I SHARES | ETF - EQUITIES | 464287556 |  | 126576 | 750 | SH |  | DFND |  | 750 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE  INDEX | ETF - EQUITIES | 464287598 |  | 148920 | 708 | SH |  | SOLE |  | 708 | 0 | 0 |
| I SHS RUSSELL 1000 GROWTH   INDEX G | ETF - LARGE CAP | 464287614 |  | 1038394 | 2194 | SH |  | SOLE |  | 2194 | 0 | 0 |
| I SHS RUSSELL 1000 | ETF - LARGE CAP | 464287622 |  | 471653 | 1263 | SH |  | SOLE |  | 1263 | 0 | 0 |
| ISHARES RUSSELL 2000 VALUE  INDEX FUND | ETF - SMALL CAP | 464287630 |  | 260937 | 1440 | SH |  | SOLE |  | 1440 | 0 | 0 |
| ISHARES RUSSELL 2000 GROWTH INDEX FUND | ETF - SMALL CAP | 464287648 |  | 145675 | 451 | SH |  | SOLE |  | 451 | 0 | 0 |
| ISHARES RUSSELL 2000 INDEX | ETF - SMALL CAP | 464287655 |  | 5959450 | 24210 | SH |  | SOLE |  | 24210 | 0 | 0 |
| ISHARES RUSSELL 2000 INDEX | ETF - SMALL CAP | 464287655 |  | 21908 | 89 | SH |  | DFND |  | 89 | 0 | 0 |
| ISHS RUSSELL 3000 INDEX | ETF - LARGE CAP | 464287689 |  | 182588 | 472 | SH |  | SOLE |  | 472 | 0 | 0 |
| ISHS TR S MDCP 400 VALUE  ETF | ETF - MID CAP | 464287705 |  | 23159 | 176 | SH |  | SOLE |  | 176 | 0 | 0 |
| ISHARES CORE S SMALL-CAP  ETF | ETF - SMALL CAP | 464287804 |  | 2858414 | 23785 | SH |  | SOLE |  | 21943 | 0 | 1842 |
| ISHARES CALIFORNIA MUNI BONDETF | ETF - INTERM | 464288356 |  | 362394 | 6308 | SH |  | SOLE |  | 6308 | 0 | 0 |
| ISHARES CALIFORNIA MUNI BONDETF | ETF - INTERM | 464288356 |  | 94160 | 1639 | SH |  | DFND |  | 0 | 1639 | 0 |
| ISHARES S NATL MUNI BOND  FUND | ETF - INTERM | 464288414 |  | 173946 | 1624 | SH |  | SOLE |  | 1624 | 0 | 0 |
| ISHARES S NATL MUNI BOND  FUND | ETF - INTERM | 464288414 |  | 47021 | 439 | SH |  | DFND |  | 439 | 0 | 0 |
| ISHARES HI YIELD CORPORATE  BOND | ETF - HIGH YIELD | 464288513 |  | 217454 | 2697 | SH |  | SOLE |  | 2697 | 0 | 0 |
| ETF ISHS INTER GOVT CR BD | ETF - INTERM | 464288612 |  | 4091627 | 38115 | SH |  | SOLE |  | 38115 | 0 | 0 |
| ISHS BARCLAYS INTERMEDIATE  TERM CREDIT BOND FD | ETF - INTERM | 464288638 |  | 230012 | 4269 | SH |  | SOLE |  | 4269 | 0 | 0 |
| ISHARES SHORT-TERM CORP BOND | ETF - SHORT | 464288646 |  | 842264 | 15928 | SH |  | SOLE |  | 15928 | 0 | 0 |
| ISHARES SHORT-TERM CORP BOND | ETF - SHORT | 464288646 |  | 5499 | 104 | SH |  | DFND |  | 104 | 0 | 0 |
| ISHARES S US PREFERRED    STOCK INDEX FUND | PREFERRED STOCK | 464288687 |  | 109530 | 3539 | SH |  | SOLE |  | 3539 | 0 | 0 |
| ISHARES TRUST FLOATING RATE BOND ETF | ETF - SHORT | 46429B655 |  | 793093 | 15594 | SH |  | SOLE |  | 15594 | 0 | 0 |
| ISHARES EDGE MSCI MIN VOL   USA ETF | ETF - EQUITIES | 46429B697 |  | 69671 | 740 | SH |  | SOLE |  | 740 | 0 | 0 |
| ISHARES EDGE MSCI US        QULTY FACT ETF | ETF - DEVELOPED INTL | 46432F339 |  | 115795 | 583 | SH |  | SOLE |  | 583 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | ETF - EMERGING INTL | 46432F842 |  | 64321 | 719 | SH |  | SOLE |  | 719 | 0 | 0 |
| ISHARES INC CORE MSCI       EMERGING MKTS ETF | ETF - EMERGING INTL | 46434G103 |  | 57069 | 849 | SH |  | SOLE |  | 849 | 0 | 0 |
| ISHARES ESG AWARE MSCI      EMERGING MKTS FUND | ETF - EMERGING INTL | 46434G863 |  | 162062 | 3670 | SH |  | SOLE |  | 3670 | 0 | 0 |
| ISHARES ESG AWARE MSCI USA  SMALL-CAP ETF | ETF - SMALL CAP | 46435U663 |  | 83982 | 1827 | SH |  | SOLE |  | 1827 | 0 | 0 |
| ISHARES BITCOIN TRUST ETF | ETF - EQUITIES | 46438F101 |  | 44833 | 903 | SH |  | SOLE |  | 903 | 0 | 0 |
| J P MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 2941419 | 9129 | SH |  | SOLE |  | 9040 | 0 | 89 |
| J P MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 547756 | 1700 | SH |  | DFND |  | 1700 | 0 | 0 |
| JACOBS SOLUTIONS INC | COMMON STOCK | 46982L108 |  | 4636 | 35 | SH |  | SOLE |  | 35 | 0 | 0 |
| JOHNSON  JOHNSON           COM | COMMON STOCK | 478160104 |  | 1060193 | 5123 | SH |  | SOLE |  | 5123 | 0 | 0 |
| JOHNSON  JOHNSON           COM | COMMON STOCK | 478160104 |  | 35180 | 170 | SH |  | DFND |  | 125 | 0 | 45 |
| KEYSIGHT TECHNOLOGIES INC | COMMON STOCK | 49338L103 |  | 2844 | 14 | SH |  | SOLE |  | 14 | 0 | 0 |
| KIMBERLY CLARK CORP         COM | COMMON STOCK | 494368103 |  | 295403 | 2928 | SH |  | SOLE |  | 2928 | 0 | 0 |
| KINSALE CAP GROUP INC | COMMON STOCK | 49714P108 |  | 1955 | 5 | SH |  | SOLE |  | 5 | 0 | 0 |
| KRAFT HEINZ CO | COMMON STOCK | 500754106 |  | 2376 | 98 | SH |  | SOLE |  | 98 | 0 | 0 |
| LABCORP HLDGS INC | COMMON STOCK | 504922105 |  | 4515 | 18 | SH |  | SOLE |  | 18 | 0 | 0 |
| LAM RESH CORP USD | COMMON STOCK | 512807306 |  | 230063 | 1344 | SH |  | SOLE |  | 1344 | 0 | 0 |
| LIBERTY BROADBAND CORP | COMMON STOCK | 530307305 |  | 2186 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| LIBERTY MEDIA CORP DEL NPV | COMMON STOCK | 531229755 |  | 4432 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| ELI LILLY  CO              COM | COMMON STOCK | 532457108 |  | 1208994 | 1125 | SH |  | SOLE |  | 1125 | 0 | 0 |
| ELI LILLY  CO              COM | COMMON STOCK | 532457108 |  | 564201 | 525 | SH |  | DFND |  | 525 | 0 | 0 |
| LITHIA MOTORS CL A | COMMON STOCK | 536797103 |  | 2990 | 9 | SH |  | SOLE |  | 9 | 0 | 0 |
| LOCKHEED MARTIN CORP | COMMON STOCK | 539830109 |  | 796559 | 1647 | SH |  | SOLE |  | 1590 | 0 | 57 |
| LOCKHEED MARTIN CORP | COMMON STOCK | 539830109 |  | 48366 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| LOWES COMPANIES INC         COM STK | COMMON STOCK | 548661107 |  | 529579 | 2196 | SH |  | SOLE |  | 2196 | 0 | 0 |
| MKS INC | COMMON STOCK | 55306N104 |  | 6871 | 43 | SH |  | SOLE |  | 43 | 0 | 0 |
| MANULIFE FINANCIAL CORP | COMMON STOCK | 56501R106 |  | 14145 | 390 | SH |  | SOLE |  | 390 | 0 | 0 |
| MARSH  MCLENNAN COMPANIES INC | COMMON STOCK | 571748102 |  | 105558 | 569 | SH |  | SOLE |  | 569 | 0 | 0 |
| MARRIOTT INTERNATIONAL INC  NEW CLASS A | COMMON STOCK | 571903202 |  | 9306 | 30 | SH |  | SOLE |  | 30 | 0 | 0 |
| MASCO CORPORATION | COMMON STOCK | 574599106 |  | 17448 | 275 | SH |  | SOLE |  | 275 | 0 | 0 |
| MASTERCARD INC | COMMON STOCK | 57636Q104 |  | 1760570 | 3084 | SH |  | SOLE |  | 3034 | 0 | 50 |
| MASTERCARD INC | COMMON STOCK | 57636Q104 |  | 114176 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| MCCORMICK  CO INC | COMMON STOCK | 579780206 |  | 35962 | 528 | SH |  | SOLE |  | 528 | 0 | 0 |
| MCDONALDS CORP              COM | COMMON STOCK | 580135101 |  | 1116762 | 3654 | SH |  | SOLE |  | 3654 | 0 | 0 |
| MCDONALDS CORP              COM | COMMON STOCK | 580135101 |  | 183377 | 600 | SH |  | DFND |  | 600 | 0 | 0 |
| MCKESSON CORP | COMMON STOCK | 58155Q103 |  | 232139 | 283 | SH |  | SOLE |  | 283 | 0 | 0 |
| MCKESSON CORP | COMMON STOCK | 58155Q103 |  | 82028 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| MERCK  CO INC NEW | COMMON STOCK | 58933Y105 |  | 528921 | 5025 | SH |  | SOLE |  | 5025 | 0 | 0 |
| MERCK  CO INC NEW | COMMON STOCK | 58933Y105 |  | 22420 | 213 | SH |  | DFND |  | 0 | 0 | 213 |
| METLIFE INC | COMMON STOCK | 59156R108 |  | 181480 | 2299 | SH |  | SOLE |  | 2299 | 0 | 0 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 7274416 | 15042 | SH |  | SOLE |  | 14917 | 0 | 125 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 616117 | 1274 | SH |  | DFND |  | 1119 | 0 | 155 |
| MICROCHIP TECHNOLOGY INC | COMMON STOCK | 595017104 |  | 129922 | 2039 | SH |  | SOLE |  | 2039 | 0 | 0 |
| MICRON TECHNOLOGY INC       COM | COMMON STOCK | 595112103 |  | 74204 | 260 | SH |  | SOLE |  | 260 | 0 | 0 |
| MOELIS  CO | COMMON STOCK | 60786M105 |  | 2680 | 39 | SH |  | SOLE |  | 39 | 0 | 0 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 413609 | 7684 | SH |  | SOLE |  | 7364 | 0 | 320 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 128437 | 2386 | SH |  | DFND |  | 2110 | 0 | 276 |
| MORGAN STANLEY | COMMON STOCK | 617446448 |  | 88586 | 499 | SH |  | SOLE |  | 499 | 0 | 0 |
| NBT BANCORP INC | COMMON STOCK | 628778102 |  | 305918 | 7368 | SH |  | SOLE |  | 7368 | 0 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 103135 | 1100 | SH |  | SOLE |  | 1100 | 0 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 187520 | 2000 | SH |  | DFND |  | 2000 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 74177 | 924 | SH |  | SOLE |  | 924 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 341189 | 4250 | SH |  | DFND |  | 4250 | 0 | 0 |
| NIKE INC CL B | COMMON STOCK | 654106103 |  | 63570 | 998 | SH |  | SOLE |  | 998 | 0 | 0 |
| NIKE INC CL B | COMMON STOCK | 654106103 |  | 19110 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| NORFOLK SOUTHN CORP         COM | COMMON STOCK | 655844108 |  | 1177349 | 4078 | SH |  | SOLE |  | 4078 | 0 | 0 |
| NORFOLK SOUTHN CORP         COM | COMMON STOCK | 655844108 |  | 144354 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| NOVARTIS A G ADR | COMMON STOCK | 66987V109 |  | 145588 | 1056 | SH |  | SOLE |  | 1056 | 0 | 0 |
| NOVARTIS A G ADR | COMMON STOCK | 66987V109 |  | 117188 | 850 | SH |  | DFND |  | 850 | 0 | 0 |
| NOVO NORDISK AS ADR | COMMON STOCK | 670100205 |  | 307662 | 6047 | SH |  | SOLE |  | 5489 | 0 | 558 |
| NOVO NORDISK AS ADR | COMMON STOCK | 670100205 |  | 4579 | 90 | SH |  | DFND |  | 90 | 0 | 0 |
| NUCOR CORP | COMMON STOCK | 670346105 |  | 162293 | 995 | SH |  | DFND |  | 995 | 0 | 0 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 3184286 | 17074 | SH |  | SOLE |  | 16847 | 0 | 227 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 18650 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| O'REILLY AUTOMOTIVE INC. | COMMON STOCK | 67103H107 |  | 265420 | 2910 | SH |  | SOLE |  | 2910 | 0 | 0 |
| ORACLE CORPORATION          COM | COMMON STOCK | 68389X105 |  | 1140203 | 5850 | SH |  | SOLE |  | 5675 | 0 | 175 |
| ORACLE CORPORATION          COM | COMMON STOCK | 68389X105 |  | 68218 | 350 | SH |  | DFND |  | 350 | 0 | 0 |
| PNC FINL SVCS GROUP INC     COM | COMMON STOCK | 693475105 |  | 44250 | 212 | SH |  | SOLE |  | 212 | 0 | 0 |
| PACCAR INC                  COM | COMMON STOCK | 693718108 |  | 5694 | 52 | SH |  | SOLE |  | 52 | 0 | 0 |
| PACER DATA AND DIGITAL REVOLUTION | ETF - LARGE CAP | 69374H386 |  | 9352 | 146 | SH |  | SOLE |  | 146 | 0 | 0 |
| PALO ALTO NETWORKS INC | COMMON STOCK | 697435105 |  | 394914 | 2144 | SH |  | SOLE |  | 2018 | 0 | 126 |
| PARKER HANNIFIN CORP | COMMON STOCK | 701094104 |  | 246108 | 280 | SH |  | SOLE |  | 280 | 0 | 0 |
| PAYCOM SOFTWARE INC | COMMON STOCK | 70432V102 |  | 80476 | 505 | SH |  | SOLE |  | 505 | 0 | 0 |
| PAYCHEX INC                 COM STK | COMMON STOCK | 704326107 |  | 126088 | 1124 | SH |  | SOLE |  | 1124 | 0 | 0 |
| PAYPAL HOLDINGS INC | COMMON STOCK | 70450Y103 |  | 9340 | 160 | SH |  | DFND |  | 160 | 0 | 0 |
| PEPSICO INC                COM | COMMON STOCK | 713448108 |  | 888232 | 6189 | SH |  | SOLE |  | 6189 | 0 | 0 |
| PEPSICO INC                COM | COMMON STOCK | 713448108 |  | 143520 | 1000 | SH |  | DFND |  | 1000 | 0 | 0 |
| PFIZER INC                  COM | COMMON STOCK | 717081103 |  | 295542 | 11874 | SH |  | SOLE |  | 11874 | 0 | 0 |
| PHILIP MORRIS INTL INC | COMMON STOCK | 718172109 |  | 125751 | 784 | SH |  | SOLE |  | 784 | 0 | 0 |
| PHILIP MORRIS INTL INC | COMMON STOCK | 718172109 |  | 46034 | 287 | SH |  | DFND |  | 0 | 0 | 287 |
| PHOTRONICS INC | COMMON STOCK | 719405102 |  | 160000 | 5000 | SH |  | SOLE |  | 5000 | 0 | 0 |
| T ROWE PRICE GROUP | COMMON STOCK | 74144T108 |  | 20476 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| PRINCIPAL FINANCIAL GROUP | COMMON STOCK | 74251V102 |  | 17200 | 195 | SH |  | SOLE |  | 195 | 0 | 0 |
| PROCTER  GAMBLE CO         COM | COMMON STOCK | 742718109 |  | 1370602 | 9564 | SH |  | SOLE |  | 9564 | 0 | 0 |
| PROCTER  GAMBLE CO         COM | COMMON STOCK | 742718109 |  | 157640 | 1100 | SH |  | DFND |  | 1100 | 0 | 0 |
| PRUDENTIAL FINL INC         COM | COMMON STOCK | 744320102 |  | 35218 | 312 | SH |  | SOLE |  | 312 | 0 | 0 |
| PUBLIC SVC ENTERPRISE GROUP COM | COMMON STOCK | 744573106 |  | 98769 | 1230 | SH |  | SOLE |  | 1230 | 0 | 0 |
| QNITY ELECTRONICS INC | COMMON STOCK | 74743L100 |  | 20004 | 245 | SH |  | SOLE |  | 245 | 0 | 0 |
| QNITY ELECTRONICS INC | COMMON STOCK | 74743L100 |  | 816 | 10 | SH |  | DFND |  | 10 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP. | COMMON STOCK | 75513E101 |  | 986135 | 5377 | SH |  | SOLE |  | 5377 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP. | COMMON STOCK | 75513E101 |  | 182483 | 995 | SH |  | DFND |  | 795 | 0 | 200 |
| REALTY INCOME CORPORATION | COMMON STOCK | 756109104 |  | 3437 | 61 | SH |  | SOLE |  | 61 | 0 | 0 |
| REGIONS FINL CORP | COMMON STOCK | 7591EP100 |  | 23270 | 859 | SH |  | SOLE |  | 859 | 0 | 0 |
| ROSS STORES INC | COMMON STOCK | 778296103 |  | 9187 | 51 | SH |  | SOLE |  | 51 | 0 | 0 |
| SHELL PLC NPV ADR | COMMON STOCK | 780259305 |  | 91763 | 1249 | SH |  | SOLE |  | 1249 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF - LARGE CAP | 78462F103 |  | 12550524 | 18405 | SH |  | SOLE |  | 18405 | 0 | 0 |
| SPDR S 500 ETF TRUST | ETF - LARGE CAP | 78462F103 |  | 488246 | 716 | SH |  | DFND |  | 0 | 716 | 0 |
| SPDR GOLD TR GOLD SHS | ETF - ALTERNATIVE | 78463V107 |  | 566708 | 1430 | SH |  | SOLE |  | 1430 | 0 | 0 |
| SPDR BARCLAYS CAP CONV SEC | ETF - INTERM | 78464A359 |  | 68148 | 764 | SH |  | SOLE |  | 764 | 0 | 0 |
| SPDR S DIVIDEND ETF | ETF - LARGE CAP | 78464A763 |  | 1720563 | 12364 | SH |  | SOLE |  | 12364 | 0 | 0 |
| SPDR DOW JONES INDL AVERAGE ETR TR | ETF - LARGE CAP | 78467X109 |  | 113414 | 236 | SH |  | SOLE |  | 236 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | ETF - MID CAP | 78467Y107 |  | 3941749 | 6534 | SH |  | SOLE |  | 6534 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | ETF - MID CAP | 78467Y107 |  | 24734 | 41 | SH |  | DFND |  | 41 | 0 | 0 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 15363 | 58 | SH |  | SOLE |  | 58 | 0 | 0 |
| SALESFORCE INC | COMMON STOCK | 79466L302 |  | 31788 | 120 | SH |  | DFND |  | 120 | 0 | 0 |
| SLB LIMITED                 COM STK | COMMON STOCK | 806857108 |  | 1803 | 47 | SH |  | SOLE |  | 47 | 0 | 0 |
| SELECT SECTOR SPDR TR       SBI MATERIALS | ETF - EQUITIES | 81369Y100 |  | 90679 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| SELECT SECTOR SPDR TR       SBI HEALTHCARE | ETF - EQUITIES | 81369Y209 |  | 139629 | 902 | SH |  | SOLE |  | 902 | 0 | 0 |
| SPDR CONSUMER DISCRETIONARY | ETF - EQUITIES | 81369Y407 |  | 93378 | 782 | SH |  | SOLE |  | 782 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDRETF | ETF - EQUITIES | 81369Y605 |  | 935795 | 17086 | SH |  | SOLE |  | 17086 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDRETF | ETF - EQUITIES | 81369Y605 |  | 30123 | 550 | SH |  | DFND |  | 0 | 0 | 550 |
| SELECT SECTOR SPDR TR       SBI INT-INDS | ETF - EQUITIES | 81369Y704 |  | 64994 | 419 | SH |  | SOLE |  | 419 | 0 | 0 |
| TECHNOLOGY SELECT SECTOR    SPDR ETF | ETF - EQUITIES | 81369Y803 |  | 31097 | 216 | SH |  | SOLE |  | 216 | 0 | 0 |
| COMMUNICATION SERVICES SELECT SECTOR SPDR FUND | ETF - LARGE CAP | 81369Y852 |  | 8828 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| SELECT SECTOR SPDR -        UTILITIES | ETF - EQUITIES | 81369Y886 |  | 307462 | 7204 | SH |  | SOLE |  | 7204 | 0 | 0 |
| SERVICENOW INC | COMMON STOCK | 81762P102 |  | 177699 | 1160 | SH |  | SOLE |  | 1160 | 0 | 0 |
| SOLSTICE ADVANCED MATERIALS INC | COMMON STOCK | 83443Q103 |  | 39200 | 807 | SH |  | SOLE |  | 807 | 0 | 0 |
| SOLVENTUM CORP. | COMMON STOCK | 83444M101 |  | 1981 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| SOUTHERN CO                 COM | COMMON STOCK | 842587107 |  | 572460 | 6565 | SH |  | SOLE |  | 6565 | 0 | 0 |
| SOUTHERN CO                 COM | COMMON STOCK | 842587107 |  | 20928 | 240 | SH |  | DFND |  | 0 | 0 | 240 |
| STARBUCKS CORPORATION | COMMON STOCK | 855244109 |  | 153848 | 1827 | SH |  | SOLE |  | 1827 | 0 | 0 |
| STATE STREET CORP           COM | COMMON STOCK | 857477103 |  | 9675 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| STRYKER CORP | COMMON STOCK | 863667101 |  | 1157335 | 3293 | SH |  | SOLE |  | 3216 | 0 | 77 |
| SUNCOR ENERGY INC. | FOREIGN EQUITIES | 867224107 |  | 109791 | 2475 | SH |  | DFND |  | 2475 | 0 | 0 |
| SYSCO CORP                  COM | COMMON STOCK | 871829107 |  | 6263 | 85 | SH |  | SOLE |  | 85 | 0 | 0 |
| TJX COS INC | COMMON STOCK | 872540109 |  | 1677707 | 10922 | SH |  | SOLE |  | 10725 | 0 | 197 |
| TARGET CORP                 COM | COMMON STOCK | 87612E106 |  | 104981 | 1074 | SH |  | SOLE |  | 1074 | 0 | 0 |
| TARGET CORP                 COM | COMMON STOCK | 87612E106 |  | 29325 | 300 | SH |  | DFND |  | 300 | 0 | 0 |
| TELEDYNE TECHNOLOGIES INC | COMMON STOCK | 879360105 |  | 3575 | 7 | SH |  | SOLE |  | 7 | 0 | 0 |
| TESLA MOTORS INC.           COMMON | COMMON STOCK | 88160R101 |  | 911559 | 2027 | SH |  | SOLE |  | 2027 | 0 | 0 |
| TEXAS INSTRUMENTS INC | COMMON STOCK | 882508104 |  | 75466 | 435 | SH |  | SOLE |  | 435 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | COMMON STOCK | 883556102 |  | 856409 | 1478 | SH |  | SOLE |  | 1430 | 0 | 48 |
| THOR INDS INC | COMMON STOCK | 885160101 |  | 3696 | 36 | SH |  | SOLE |  | 36 | 0 | 0 |
| 3M COMPANY | COMMON STOCK | 88579Y101 |  | 266562 | 1665 | SH |  | SOLE |  | 1665 | 0 | 0 |
| 3M COMPANY | COMMON STOCK | 88579Y101 |  | 148412 | 927 | SH |  | DFND |  | 927 | 0 | 0 |
| TRACTOR SUPPLY CO. | COMMON STOCK | 892356106 |  | 269550 | 5391 | SH |  | SOLE |  | 5050 | 0 | 341 |
| TRANSDIGM GROUP INC | COMMON STOCK | 893641100 |  | 99738 | 75 | SH |  | DFND |  | 75 | 0 | 0 |
| TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 811259 | 2797 | SH |  | SOLE |  | 2797 | 0 | 0 |
| TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 188532 | 650 | SH |  | DFND |  | 650 | 0 | 0 |
| TRUIST FINL CORP            COM | COMMON STOCK | 89832Q109 |  | 86443 | 1757 | SH |  | SOLE |  | 1757 | 0 | 0 |
| TRUIST FINL CORP            COM | COMMON STOCK | 89832Q109 |  | 56088 | 1140 | SH |  | DFND |  | 1140 | 0 | 0 |
| UNILEVER PLC | COMMON STOCK | 904767803 |  | 7259 | 111 | SH |  | SOLE |  | 111 | 0 | 0 |
| UNION PAC CORP              COM | COMMON STOCK | 907818108 |  | 474189 | 2050 | SH |  | SOLE |  | 1966 | 0 | 84 |
| UNION PAC CORP              COM | COMMON STOCK | 907818108 |  | 46264 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| UNITED PARCEL SERVICE | COMMON STOCK | 911312106 |  | 80738 | 814 | SH |  | SOLE |  | 814 | 0 | 0 |
| UNITED PARCEL SERVICE | COMMON STOCK | 911312106 |  | 49594 | 500 | SH |  | DFND |  | 500 | 0 | 0 |
| UNITED HEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 148212 | 449 | SH |  | SOLE |  | 449 | 0 | 0 |
| V F CORP | COMMON STOCK | 918204108 |  | 3162 | 175 | SH |  | DFND |  | 175 | 0 | 0 |
| VAIL RESORTS INC            COM | COMMON STOCK | 91879Q109 |  | 46480 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| VANECK VEC RETAIL ETF | ETF - LARGE CAP | 92189F684 |  | 49900 | 200 | SH |  | DFND |  | 200 | 0 | 0 |
| ETF VANGUARD DIVIDEND       APPRECIATION | ETF - LARGE CAP | 921908844 |  | 1149003 | 5228 | SH |  | SOLE |  | 5228 | 0 | 0 |
| VANGUARD ESG US STK ETF | ETF - EQUITIES | 921910733 |  | 70882 | 586 | SH |  | SOLE |  | 586 | 0 | 0 |
| VANGUARD W MEGA CAP 300     INDEX ETF | ETF - LARGE CAP | 921910873 |  | 584472 | 2327 | SH |  | SOLE |  | 2327 | 0 | 0 |
| VANGUARD S 500 GROWTH | ETF - LARGE CAP | 921932505 |  | 84469 | 190 | SH |  | SOLE |  | 190 | 0 | 0 |
| ETF VANGUARD BOND INDEX | ETF - INTERM | 921937835 |  | 153895 | 2078 | SH |  | SOLE |  | 2078 | 0 | 0 |
| VANGUARD DEVELOPED MARKETS  ETF | ETF - DEVELOPED INTL | 921943858 |  | 167918 | 2688 | SH |  | SOLE |  | 2688 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD ETF | ETF - LARGE CAP | 921946406 |  | 5704040 | 39744 | SH |  | SOLE |  | 39744 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD ETF | ETF - LARGE CAP | 921946406 |  | 54968 | 383 | SH |  | DFND |  | 383 | 0 | 0 |
| VANGUARD ENERGY ETF | ETF - EQUITIES | 92204A306 |  | 532511 | 4229 | SH |  | SOLE |  | 4229 | 0 | 0 |
| VANGUARD INFORMATION        TECHNOLOGY VIPERS | ETF - EQUITIES | 92204A702 |  | 2015573 | 2674 | SH |  | SOLE |  | 2674 | 0 | 0 |
| VANGUARD COMMUNICATION SERVICES ETF | ETF - EQUITIES | 92204A884 |  | 116176 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| VANGUARD FTSE ALL WORLD     EX US ETF | ETF - DEVELOPED INTL | 922042775 |  | 469156 | 6378 | SH |  | SOLE |  | 6378 | 0 | 0 |
| VANGUARD FTSE ALL WORLD     EX US ETF | ETF - DEVELOPED INTL | 922042775 |  | 143147 | 1946 | SH |  | DFND |  | 1261 | 685 | 0 |
| VANGUARD INDEX FUNDS        S 500 ETF | ETF - LARGE CAP | 922908363 |  | 227020 | 362 | SH |  | SOLE |  | 362 | 0 | 0 |
| VANGUARD REIT | ETF - EQUITIES | 922908553 |  | 14600 | 165 | SH |  | DFND |  | 0 | 0 | 165 |
| VANGUARD SMALL CAP | ETF - SMALL CAP | 922908611 |  | 15884 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| VANGUARD EXTENDED MARKET    ETF | ETF - MID CAP | 922908652 |  | 206819 | 989 | SH |  | SOLE |  | 989 | 0 | 0 |
| VANGUARD GROWTH ETF | ETF - LARGE CAP | 922908736 |  | 154159 | 316 | SH |  | SOLE |  | 316 | 0 | 0 |
| VANGUARD INDEX FUNDS SMALL  CAP | ETF - SMALL CAP | 922908751 |  | 8254 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET INDEX | ETF - LARGE CAP | 922908769 |  | 1002081 | 2989 | SH |  | SOLE |  | 2989 | 0 | 0 |
| VERALTO CORP | COMMON STOCK | 92338C103 |  | 4290 | 43 | SH |  | DFND |  | 43 | 0 | 0 |
| VERIZON COMMUNICATIONS INC  COM | COMMON STOCK | 92343V104 |  | 167436 | 4112 | SH |  | SOLE |  | 4112 | 0 | 0 |
| VERIZON COMMUNICATIONS INC  COM | COMMON STOCK | 92343V104 |  | 65151 | 1600 | SH |  | DFND |  | 1600 | 0 | 0 |
| VERTEX PHARMACEUTICALS | COMMON STOCK | 92532F100 |  | 4986 | 11 | SH |  | SOLE |  | 11 | 0 | 0 |
| VISA INC | COMMON STOCK | 92826C839 |  | 288274 | 822 | SH |  | SOLE |  | 822 | 0 | 0 |
| WAL-MART STORES INC | COMMON STOCK | 931142103 |  | 44897 | 403 | SH |  | SOLE |  | 403 | 0 | 0 |
| WAL-MART STORES INC | COMMON STOCK | 931142103 |  | 63503 | 570 | SH |  | DFND |  | 570 | 0 | 0 |
| WASTE MGMT INC DEL          COM | COMMON STOCK | 94106L109 |  | 38449 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| WATERS CORPORATION | COMMON STOCK | 941848103 |  | 3798 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| WEBSTER FINL CORP CONN      COM | COMMON STOCK | 947890109 |  | 79165 | 1258 | SH |  | SOLE |  | 1258 | 0 | 0 |
| WELLS FARGO  CO NEW | COMMON STOCK | 949746101 |  | 90683 | 973 | SH |  | SOLE |  | 973 | 0 | 0 |
| WELLS FARGO  CO NEW | COMMON STOCK | 949746101 |  | 29824 | 320 | SH |  | DFND |  | 320 | 0 | 0 |
| WELLS FARGO PFD L | PREFERRED STOCK | 949746804 |  | 14544 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| WELLS FARGO PFD L | PREFERRED STOCK | 949746804 |  | 24240 | 20 | SH |  | DFND |  | 20 | 0 | 0 |
| WHIRLPOOL CORPORATION       COM | COMMON STOCK | 963320106 |  | 5770 | 80 | SH |  | DFND |  | 80 | 0 | 0 |
| THE WILLIAMS CO INC | COMMON STOCK | 969457100 |  | 14967 | 249 | SH |  | SOLE |  | 249 | 0 | 0 |
| XYLEM INC | COMMON STOCK | 98419M100 |  | 5717 | 42 | SH |  | SOLE |  | 42 | 0 | 0 |

---