# EDGAR Filing Document

**Accession Number:** 0001818759
**File Stem:** 0001818759-25-000006
**Filing Date:** 2025-7
**Character Count:** 23935
**Document Hash:** f8170637f9dd3aea7f77511d2ee8432f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001818759-25-000006.hdr.sgml**: 20250710

**ACCESSION NUMBER**: 0001818759-25-000006

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250710

**DATE AS OF CHANGE**: 20250709

**EFFECTIVENESS DATE**: 20250710

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Sunflower Bank, N.A.
- **CENTRAL INDEX KEY:** 0001818759

**ORGANIZATION NAME:**
- **EIN:** 480216075
- **STATE OF INCORPORATION:** TX

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20305
- **FILM NUMBER:** 251114576

**BUSINESS ADDRESS:**
- **STREET 1:** 8117 PRESTON ROAD #220
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75225
- **BUSINESS PHONE:** 913-289-6010

**MAIL ADDRESS:**
- **STREET 1:** 8117 PRESTON ROAD #220
- **CITY:** DALLAS
- **STATE:** TX
- **ZIP:** 75225

### FORM 13F COVER PAGE

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

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Sunflower Bank N.A.<br>**Address:** 8117 PRESTON ROAD #220<br>DALLAS, TX 75225

**Form 13F File Number:** 028-20305

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:** Jocelyn Raffaelle<br>**Title:** Trust Investment Services Analyst<br>**Phone:** 913-289-6010

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

Jocelyn Raffaelle  Overland Park, KS  07-09-2025<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:** 202

**Form 13F Information Table Value Total:** $395444126

      (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 | Equities | 002824100 |  | 1102905 | 8109 | SH |  | DFND |  | 8109 | 0 | 0 |
| ABBOTT LABORATORIES | Equities | 002824100 |  | 897394 | 6598 | SH |  | SOLE |  | 6549 | 0 | 49 |
| ABBVIE INC | Equities | 00287Y109 |  | 1406628 | 7578 | SH |  | DFND |  | 7578 | 0 | 0 |
| ABBVIE INC | Equities | 00287Y109 |  | 1085691 | 5849 | SH |  | SOLE |  | 5828 | 0 | 21 |
| ACCENTURE PLC A | Equities | G1151C101 |  | 450128 | 1506 | SH |  | SOLE |  | 1506 | 0 | 0 |
| ADOBE INC | Equities | 00724F101 |  | 3869 | 10 | SH |  | DFND |  | 10 | 0 | 0 |
| ADOBE INC | Equities | 00724F101 |  | 517259 | 1337 | SH |  | SOLE |  | 1327 | 0 | 10 |
| ADVANCED MICRO DEVICES INC | Equities | 007903107 |  | 4541 | 32 | SH |  | DFND |  | 32 | 0 | 0 |
| ADVANCED MICRO DEVICES INC | Equities | 007903107 |  | 474939 | 3347 | SH |  | SOLE |  | 3319 | 0 | 28 |
| ALPHABET INC CAP STK CLASS C | Equities | 02079K107 |  | 11708 | 66 | SH |  | DFND |  | 66 | 0 | 0 |
| ALPHABET INC CAP STK CLASS C | Equities | 02079K107 |  | 2076173 | 11704 | SH |  | SOLE |  | 11657 | 0 | 47 |
| ALPHABET INC CLASS A | Equities | 02079K305 |  | 11807 | 67 | SH |  | DFND |  | 67 | 0 | 0 |
| ALPHABET INC CLASS A | Equities | 02079K305 |  | 1489144 | 8450 | SH |  | SOLE |  | 8403 | 0 | 47 |
| AMAZON.COM INC | Equities | 023135106 |  | 28740 | 131 | SH |  | DFND |  | 131 | 0 | 0 |
| AMAZON.COM INC | Equities | 023135106 |  | 2290212 | 10439 | SH |  | SOLE |  | 10375 | 0 | 64 |
| AMERICAN EXPRESS COMMON | Equities | 025816109 |  | 757578 | 2375 | SH |  | DFND |  | 2375 | 0 | 0 |
| AMERICAN EXPRESS COMMON | Equities | 025816109 |  | 472728 | 1482 | SH |  | SOLE |  | 1482 | 0 | 0 |
| AMERIPRISE FINL INC COMMON | Equities | 03076C106 |  | 255123 | 478 | SH |  | DFND |  | 478 | 0 | 0 |
| AMERIPRISE FINL INC COMMON | Equities | 03076C106 |  | 272202 | 510 | SH |  | SOLE |  | 503 | 0 | 7 |
| AMGEN INC | Equities | 031162100 |  | 247659 | 887 | SH |  | SOLE |  | 887 | 0 | 0 |
| ANALOG DEVICES INC | Equities | 032654105 |  | 434148 | 1824 | SH |  | SOLE |  | 1824 | 0 | 0 |
| AON PLC | Equities | G0403H108 |  | 597573 | 1675 | SH |  | SOLE |  | 1675 | 0 | 0 |
| APOLLO GLOBAL MGMT INC | Equities | 03769M106 |  | 404755 | 2853 | SH |  | SOLE |  | 2853 | 0 | 0 |
| APPLE INC COMMON | Equities | 037833100 |  | 29134 | 142 | SH |  | DFND |  | 142 | 0 | 0 |
| APPLE INC COMMON | Equities | 037833100 |  | 2705987 | 13189 | SH |  | SOLE |  | 13108 | 0 | 81 |
| APPLIED MATERIALS INC | Equities | 038222105 |  | 5309 | 29 | SH |  | DFND |  | 29 | 0 | 0 |
| APPLIED MATERIALS INC | Equities | 038222105 |  | 588021 | 3212 | SH |  | SOLE |  | 3194 | 0 | 18 |
| ARCH CAPITAL GROUP LTD | Equities | G0450A105 |  | 261405 | 2871 | SH |  | SOLE |  | 2871 | 0 | 0 |
| AT INC | Equities | 00206R102 |  | 15830 | 547 | SH |  | DFND |  | 547 | 0 | 0 |
| AT INC | Equities | 00206R102 |  | 578366 | 19985 | SH |  | SOLE |  | 19817 | 0 | 168 |
| AUTOMATIC DATA PROCESSING INC | Equities | 053015103 |  | 123360 | 400 | SH |  | DFND |  | 400 | 0 | 0 |
| AUTOMATIC DATA PROCESSING INC | Equities | 053015103 |  | 688349 | 2232 | SH |  | SOLE |  | 2232 | 0 | 0 |
| BANK AMER CORP COMMON | Equities | 060505104 |  | 566894 | 11980 | SH |  | SOLE |  | 11980 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CLAS | Equities | 084670702 |  | 1094440 | 2253 | SH |  | SOLE |  | 2253 | 0 | 0 |
| BROADCOM INC | Equities | 11135F101 |  | 13783 | 50 | SH |  | DFND |  | 50 | 0 | 0 |
| BROADCOM INC | Equities | 11135F101 |  | 1693869 | 6145 | SH |  | SOLE |  | 6116 | 0 | 29 |
| CAPITAL ONE FINL CORP COMMON | Equities | 14040H105 |  | 964867 | 4535 | SH |  | SOLE |  | 4535 | 0 | 0 |
| CATERPILLAR INC. | Equities | 149123101 |  | 9705 | 25 | SH |  | DFND |  | 25 | 0 | 0 |
| CATERPILLAR INC. | Equities | 149123101 |  | 482545 | 1243 | SH |  | SOLE |  | 1232 | 0 | 11 |
| CHEVRON CORP | Equities | 166764100 |  | 603832 | 4217 | SH |  | SOLE |  | 4210 | 0 | 7 |
| CHUBB LIMITED COM NPV | Equities | H1467J104 |  | 257851 | 890 | SH |  | SOLE |  | 890 | 0 | 0 |
| CINTAS CORP | Equities | 172908105 |  | 325167 | 1459 | SH |  | SOLE |  | 1459 | 0 | 0 |
| CISCO SYSTEMS INC | Equities | 17275R102 |  | 198288 | 2858 | SH |  | DFND |  | 2858 | 0 | 0 |
| CISCO SYSTEMS INC | Equities | 17275R102 |  | 897847 | 12941 | SH |  | SOLE |  | 12840 | 0 | 101 |
| COCA-COLA CO | Equities | 191216100 |  | 919750 | 13000 | SH |  | DFND |  | 13000 | 0 | 0 |
| COCA-COLA CO | Equities | 191216100 |  | 1024460 | 14480 | SH |  | SOLE |  | 14480 | 0 | 0 |
| COSTCO WHOLESALE CORP NEW COMMO | Equities | 22160K105 |  | 18809 | 19 | SH |  | DFND |  | 19 | 0 | 0 |
| COSTCO WHOLESALE CORP NEW COMMO | Equities | 22160K105 |  | 719686 | 727 | SH |  | SOLE |  | 721 | 0 | 6 |
| CROWDSTRIKE HOLDINGS INC CL A | Equities | 22788C105 |  | 5093 | 10 | SH |  | DFND |  | 10 | 0 | 0 |
| CROWDSTRIKE HOLDINGS INC CL A | Equities | 22788C105 |  | 287760 | 565 | SH |  | SOLE |  | 558 | 0 | 7 |
| DANAHER CORP COMMON | Equities | 235851102 |  | 296903 | 1503 | SH |  | SOLE |  | 1503 | 0 | 0 |
| DELL TECHNOLOGIES INC | Equities | 24703L202 |  | 410220 | 3346 | SH |  | SOLE |  | 3346 | 0 | 0 |
| EATON CORP PLC | Equities | G29183103 |  | 447665 | 1254 | SH |  | SOLE |  | 1244 | 0 | 10 |
| EMERSON ELECTRIC CO | Equities | 291011104 |  | 13771389 | 103288 | SH |  | SOLE |  | 103288 | 0 | 0 |
| EXXON MOBIL CORP | Equities | 30231G102 |  | 1246491 | 11563 | SH |  | DFND |  | 11563 | 0 | 0 |
| EXXON MOBIL CORP | Equities | 30231G102 |  | 1524723 | 14144 | SH |  | SOLE |  | 14096 | 0 | 48 |
| FAIR ISAAC CORP | Equities | 303250104 |  | 318065 | 174 | SH |  | SOLE |  | 174 | 0 | 0 |
| GE AEROSPACE | Equities | 369604301 |  | 579128 | 2250 | SH |  | DFND |  | 2250 | 0 | 0 |
| GE AEROSPACE | Equities | 369604301 |  | 982972 | 3819 | SH |  | SOLE |  | 3819 | 0 | 0 |
| GE VERNOVA | Equities | 36828A101 |  | 297382 | 562 | SH |  | DFND |  | 562 | 0 | 0 |
| GE VERNOVA | Equities | 36828A101 |  | 318019 | 601 | SH |  | SOLE |  | 601 | 0 | 0 |
| GENERAL MTRS CO | Equities | 37045V100 |  | 221789 | 4507 | SH |  | SOLE |  | 4507 | 0 | 0 |
| GOLDMAN SACHS GROUP INC COMMON | Equities | 38141G104 |  | 256206 | 362 | SH |  | SOLE |  | 362 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE COMM | Equities | 42824C109 |  | 291862 | 14272 | SH |  | SOLE |  | 14272 | 0 | 0 |
| HUBBELL INC NPV | Equities | 443510607 |  | 1031235 | 2525 | SH |  | DFND |  | 2525 | 0 | 0 |
| INTEL CORP | Equities | 458140100 |  | 558634 | 24939 | SH |  | SOLE |  | 24939 | 0 | 0 |
| INTERCONTINENTALEXCHANGE GROUP | Equities | 45866F104 |  | 369325 | 2013 | SH |  | SOLE |  | 2013 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINES | Equities | 459200101 |  | 10317 | 35 | SH |  | DFND |  | 35 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHINES | Equities | 459200101 |  | 242014 | 821 | SH |  | SOLE |  | 803 | 0 | 18 |
| INTUIT | Equities | 461202103 |  | 414293 | 526 | SH |  | SOLE |  | 526 | 0 | 0 |
| INTUITIVE SURGICAL INC COM NEW | Equities | 46120E602 |  | 337458 | 621 | SH |  | SOLE |  | 621 | 0 | 0 |
| INVESCO AC VAR ETF | Equities | 46090A879 |  | 747567 | 29843 | SH |  | DFND |  | 29843 | 0 | 0 |
| INVESCO AC VAR ETF | Equities | 46090A879 |  | 13099046 | 522916 | SH |  | SOLE |  | 519760 | 0 | 3156 |
| ISHARES AAA-A RATED CORP BOND E | Equities | 46429B291 |  | 760656 | 15900 | SH |  | SOLE |  | 15900 | 0 | 0 |
| ISHARES AGENCY BOND ETF | Equities | 464288166 |  | 2526940 | 23035 | SH |  | SOLE |  | 23035 | 0 | 0 |
| ISHARES CORE S 500 ETF | Equities | 464287200 |  | 2296709 | 3699 | SH |  | SOLE |  | 3699 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | Equities | 464287804 |  | 687325 | 6289 | SH |  | DFND |  | 6289 | 0 | 0 |
| ISHARES CORE S SMALL CAP ETF | Equities | 464287804 |  | 16052297 | 146878 | SH |  | SOLE |  | 146570 | 0 | 308 |
| ISHARES CORE U.S. AGGREGATE BO | Equities | 464287226 |  | 890320 | 8975 | SH |  | DFND |  | 8975 | 0 | 0 |
| ISHARES CORE U.S. AGGREGATE BO | Equities | 464287226 |  | 53976208 | 544115 | SH |  | SOLE |  | 541256 | 0 | 2859 |
| ISHARES GNMA BOND ETF | Equities | 46429B333 |  | 2433951 | 55380 | SH |  | SOLE |  | 55380 | 0 | 0 |
| ISHARES MSCI EAFE | Equities | 464287465 |  | 25476 | 285 | SH |  | DFND |  | 285 | 0 | 0 |
| ISHARES MSCI EAFE | Equities | 464287465 |  | 1153578 | 12905 | SH |  | SOLE |  | 12905 | 0 | 0 |
| ISHARES MSCI EMERG | Equities | 464287234 |  | 501696 | 10400 | SH |  | SOLE |  | 10400 | 0 | 0 |
| ISHARES RUSSELL 2000 | Equities | 464287655 |  | 90200 | 418 | SH |  | DFND |  | 418 | 0 | 0 |
| ISHARES RUSSELL 2000 | Equities | 464287655 |  | 1555630 | 7209 | SH |  | SOLE |  | 7209 | 0 | 0 |
| ISHARES S GLO INDS | Equities | 464288729 |  | 392778 | 2375 | SH |  | SOLE |  | 2375 | 0 | 0 |
| ISHARES SHORT-TERM CORPORATE BD | Equities | 464288646 |  | 202071 | 3830 | SH |  | DFND |  | 3830 | 0 | 0 |
| ISHARES TR MSCI | Equities | 464288257 |  | 898271 | 6985 | SH |  | SOLE |  | 6985 | 0 | 0 |
| ISHS INTL SEL DV ETF | Equities | 464288448 |  | 114539 | 3319 | SH |  | DFND |  | 3319 | 0 | 0 |
| ISHS INTL SEL DV ETF | Equities | 464288448 |  | 1315487 | 38119 | SH |  | SOLE |  | 36172 | 0 | 1947 |
| JOHNSON  JOHNSON | Equities | 478160104 |  | 926887 | 6068 | SH |  | DFND |  | 6068 | 0 | 0 |
| JOHNSON  JOHNSON | Equities | 478160104 |  | 641856 | 4202 | SH |  | SOLE |  | 4187 | 0 | 15 |
| JP MORGAN INTL BOND OPPORTUNITI | Equities | 46641Q852 |  | 1218952 | 25071 | SH |  | SOLE |  | 25071 | 0 | 0 |
| JP MORGAN ULTRA SHORT INC ETF | Equities | 46641Q837 |  | 208548 | 4115 | SH |  | DFND |  | 4115 | 0 | 0 |
| JPMORGAN CHASE  CO | Equities | 46625H100 |  | 18844 | 65 | SH |  | DFND |  | 65 | 0 | 0 |
| JPMORGAN CHASE  CO | Equities | 46625H100 |  | 1900360 | 6555 | SH |  | SOLE |  | 6528 | 0 | 27 |
| JPMORGAN ULTRA-SHORT MUNICIPAL | Equities | 46641Q654 |  | 724337 | 14225 | SH |  | DFND |  | 14225 | 0 | 0 |
| JPMORGAN ULTRA-SHORT MUNICIPAL | Equities | 46641Q654 |  | 10515897 | 206518 | SH |  | SOLE |  | 206518 | 0 | 0 |
| KINDER MORGAN INC DEL COMMON | Equities | 49456B101 |  | 331279 | 11268 | SH |  | SOLE |  | 11268 | 0 | 0 |
| KLA CORPORATION COM NEW | Equities | 482480100 |  | 412936 | 461 | SH |  | SOLE |  | 461 | 0 | 0 |
| KROGER CO | Equities | 501044101 |  | 756249 | 10543 | SH |  | SOLE |  | 10543 | 0 | 0 |
| LILLY ELI  COMMON | Equities | 532457108 |  | 10913 | 14 | SH |  | DFND |  | 14 | 0 | 0 |
| LILLY ELI  COMMON | Equities | 532457108 |  | 1428099 | 1832 | SH |  | SOLE |  | 1824 | 0 | 8 |
| LOWES COS INC COMMON | Equities | 548661107 |  | 22187 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| LOWES COS INC COMMON | Equities | 548661107 |  | 358320 | 1615 | SH |  | SOLE |  | 1615 | 0 | 0 |
| MARSH  MCLENNAN COS INC | Equities | 571748102 |  | 262368 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| MARVELL TECHNOLOGY INC | Equities | 573874104 |  | 225698 | 2916 | SH |  | SOLE |  | 2916 | 0 | 0 |
| MASTERCARD CL A | Equities | 57636Q104 |  | 1039589 | 1850 | SH |  | SOLE |  | 1850 | 0 | 0 |
| MCDONALDS CORP COMMON | Equities | 580135101 |  | 376023 | 1287 | SH |  | SOLE |  | 1287 | 0 | 0 |
| MERCK  CO INC NEW | Equities | 58933Y105 |  | 485409 | 6132 | SH |  | DFND |  | 6132 | 0 | 0 |
| MERCK  CO INC NEW | Equities | 58933Y105 |  | 714577 | 9027 | SH |  | SOLE |  | 8974 | 0 | 53 |
| META PLATFORMS INC. | Equities | 30303M102 |  | 16238 | 22 | SH |  | DFND |  | 22 | 0 | 0 |
| META PLATFORMS INC. | Equities | 30303M102 |  | 2169985 | 2940 | SH |  | SOLE |  | 2927 | 0 | 13 |
| METLIFE INC COMMON | Equities | 59156R108 |  | 266592 | 3315 | SH |  | SOLE |  | 3315 | 0 | 0 |
| MICROCHIP TECHNOLOGY INC | Equities | 595017104 |  | 211040 | 2999 | SH |  | SOLE |  | 2999 | 0 | 0 |
| MICRON TECHNOLOGY INC COMMON | Equities | 595112103 |  | 201391 | 1634 | SH |  | SOLE |  | 1634 | 0 | 0 |
| MICROSOFT CORP | Equities | 594918104 |  | 87047 | 175 | SH |  | DFND |  | 175 | 0 | 0 |
| MICROSOFT CORP | Equities | 594918104 |  | 3590803 | 7219 | SH |  | SOLE |  | 7177 | 0 | 42 |
| MONDELEZ INTL INC CLASS A | Equities | 609207105 |  | 225452 | 3343 | SH |  | SOLE |  | 3343 | 0 | 0 |
| MOODYS CORP | Equities | 615369105 |  | 444910 | 887 | SH |  | SOLE |  | 887 | 0 | 0 |
| MORGAN STANLEY | Equities | 617446448 |  | 304398 | 2161 | SH |  | SOLE |  | 2161 | 0 | 0 |
| NETFLIX INC COMMON | Equities | 64110L106 |  | 751252 | 561 | SH |  | SOLE |  | 561 | 0 | 0 |
| NEXTERA ENERGY INC | Equities | 65339F101 |  | 352792 | 5082 | SH |  | SOLE |  | 5082 | 0 | 0 |
| NVIDIA CORP | Equities | 67066G104 |  | 33494 | 212 | SH |  | DFND |  | 212 | 0 | 0 |
| NVIDIA CORP | Equities | 67066G104 |  | 2520572 | 15954 | SH |  | SOLE |  | 15808 | 0 | 146 |
| ORACLE CORP | Equities | 68389X105 |  | 218630 | 1000 | SH |  | DFND |  | 1000 | 0 | 0 |
| ORACLE CORP | Equities | 68389X105 |  | 701584 | 3209 | SH |  | SOLE |  | 3209 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC | Equities | 69608A108 |  | 396555 | 2909 | SH |  | SOLE |  | 2879 | 0 | 30 |
| PALO ALTO NETWORKS INC COMMON | Equities | 697435105 |  | 6139 | 30 | SH |  | DFND |  | 30 | 0 | 0 |
| PALO ALTO NETWORKS INC COMMON | Equities | 697435105 |  | 232471 | 1136 | SH |  | SOLE |  | 1120 | 0 | 16 |
| PAYCHEX COMMON | Equities | 704326107 |  | 12946 | 89 | SH |  | DFND |  | 89 | 0 | 0 |
| PAYCHEX COMMON | Equities | 704326107 |  | 322339 | 2216 | SH |  | SOLE |  | 2195 | 0 | 21 |
| PEPSICO INC | Equities | 713448108 |  | 264344 | 2002 | SH |  | SOLE |  | 2002 | 0 | 0 |
| PHILIP MORRIS INTL INC COMMON | Equities | 718172109 |  | 18213 | 100 | SH |  | DFND |  | 100 | 0 | 0 |
| PHILIP MORRIS INTL INC COMMON | Equities | 718172109 |  | 484466 | 2660 | SH |  | SOLE |  | 2660 | 0 | 0 |
| PROCTER  GAMBLE CO | Equities | 742718109 |  | 17494770 | 109809 | SH |  | SOLE |  | 109809 | 0 | 0 |
| PROLOGIS INC | Equities | 74340W103 |  | 283509 | 2697 | SH |  | SOLE |  | 2697 | 0 | 0 |
| PRUDENTIAL FINL INC | Equities | 744320102 |  | 14719 | 137 | SH |  | DFND |  | 137 | 0 | 0 |
| PRUDENTIAL FINL INC | Equities | 744320102 |  | 304700 | 2836 | SH |  | SOLE |  | 2771 | 0 | 65 |
| QUALCOMM INC COMMON | Equities | 747525103 |  | 4619 | 29 | SH |  | DFND |  | 29 | 0 | 0 |
| QUALCOMM INC COMMON | Equities | 747525103 |  | 331898 | 2084 | SH |  | SOLE |  | 2084 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | Equities | 75513E101 |  | 696077 | 4767 | SH |  | DFND |  | 4767 | 0 | 0 |
| RAYTHEON TECHNOLOGIES CORP | Equities | 75513E101 |  | 274518 | 1880 | SH |  | SOLE |  | 1829 | 0 | 51 |
| ROYAL CARIBBEAN CRUISES LTD SHS | Equities | V7780T103 |  | 208551 | 666 | SH |  | SOLE |  | 666 | 0 | 0 |
| S GLOBAL INC COM | Equities | 78409V104 |  | 632748 | 1200 | SH |  | DFND |  | 1200 | 0 | 0 |
| S GLOBAL INC COM | Equities | 78409V104 |  | 302664 | 574 | SH |  | SOLE |  | 574 | 0 | 0 |
| SALESFORCE INC | Equities | 79466L302 |  | 8726 | 32 | SH |  | DFND |  | 32 | 0 | 0 |
| SALESFORCE INC | Equities | 79466L302 |  | 782620 | 2870 | SH |  | SOLE |  | 2859 | 0 | 11 |
| SCHWAB CHARLES CORP NEW | Equities | 808513105 |  | 238319 | 2612 | SH |  | SOLE |  | 2612 | 0 | 0 |
| SCHWAB STRATEGIC US DIVIDEND EQ | Equities | 808524797 |  | 373173 | 14082 | SH |  | SOLE |  | 14082 | 0 | 0 |
| SPDR BARCLAYS SHORT TERM HIGH Y | Equities | 78468R408 |  | 178640 | 7011 | SH |  | DFND |  | 7011 | 0 | 0 |
| SPDR BARCLAYS SHORT TERM HIGH Y | Equities | 78468R408 |  | 1810889 | 71071 | SH |  | SOLE |  | 67651 | 0 | 3420 |
| SPDR PORTFOLIO S 600 SMALL CA | Equities | 78468R853 |  | 2072107 | 48641 | SH |  | SOLE |  | 48641 | 0 | 0 |
| SPDR S 500 ETF TR TR UNIT | Equities | 78462F103 |  | 683342 | 1106 | SH |  | DFND |  | 1106 | 0 | 0 |
| SPDR S 500 ETF TR TR UNIT | Equities | 78462F103 |  | 13994303 | 22650 | SH |  | SOLE |  | 22650 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | Equities | 78467Y107 |  | 86105 | 152 | SH |  | DFND |  | 152 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | Equities | 78467Y107 |  | 1236059 | 2182 | SH |  | SOLE |  | 2182 | 0 | 0 |
| SPDR SER TR NUVEEN BLOOMBERG BA | Equities | 78468R739 |  | 710323 | 14851 | SH |  | SOLE |  | 14851 | 0 | 0 |
| STRYKER CORP | Equities | 863667101 |  | 275358 | 696 | SH |  | SOLE |  | 696 | 0 | 0 |
| SYNOPSYS INC | Equities | 871607107 |  | 338369 | 660 | SH |  | SOLE |  | 660 | 0 | 0 |
| T-MOBILE US INC COMMON | Equities | 872590104 |  | 249458 | 1047 | SH |  | SOLE |  | 1047 | 0 | 0 |
| TARGET CORP | Equities | 87612E106 |  | 448956 | 4551 | SH |  | SOLE |  | 4551 | 0 | 0 |
| TECH SELECT SEC SPDR | Equities | 81369Y803 |  | 63308 | 250 | SH |  | DFND |  | 250 | 0 | 0 |
| TECH SELECT SEC SPDR | Equities | 81369Y803 |  | 891623 | 3521 | SH |  | SOLE |  | 3521 | 0 | 0 |
| TESLA MTRS INC | Equities | 88160R101 |  | 4765 | 15 | SH |  | DFND |  | 15 | 0 | 0 |
| TESLA MTRS INC | Equities | 88160R101 |  | 1077185 | 3391 | SH |  | SOLE |  | 3380 | 0 | 11 |
| TEXAS INSTRS INC COMMON | Equities | 882508104 |  | 268037 | 1291 | SH |  | SOLE |  | 1291 | 0 | 0 |
| THE HOME DEPOT INC | Equities | 437076102 |  | 10633 | 29 | SH |  | DFND |  | 29 | 0 | 0 |
| THE HOME DEPOT INC | Equities | 437076102 |  | 725214 | 1978 | SH |  | SOLE |  | 1962 | 0 | 16 |
| THERMO FISHER SCIENTIFIC INC CO | Equities | 883556102 |  | 7704 | 19 | SH |  | DFND |  | 19 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC CO | Equities | 883556102 |  | 254629 | 628 | SH |  | SOLE |  | 623 | 0 | 5 |
| UBER TECHNOLOGIES INC COM | Equities | 90353T100 |  | 4945 | 53 | SH |  | DFND |  | 53 | 0 | 0 |
| UBER TECHNOLOGIES INC COM | Equities | 90353T100 |  | 241460 | 2588 | SH |  | SOLE |  | 2552 | 0 | 36 |
| UNION PACIFIC CORP | Equities | 907818108 |  | 1112667 | 4836 | SH |  | DFND |  | 4836 | 0 | 0 |
| UNION PACIFIC CORP | Equities | 907818108 |  | 261141 | 1135 | SH |  | SOLE |  | 1121 | 0 | 14 |
| UNITED RENTALS INC | Equities | 911363109 |  | 229787 | 305 | SH |  | SOLE |  | 305 | 0 | 0 |
| UNITEDHEALTH GROUP INC | Equities | 91324P102 |  | 8111 | 26 | SH |  | DFND |  | 26 | 0 | 0 |
| UNITEDHEALTH GROUP INC | Equities | 91324P102 |  | 580888 | 1862 | SH |  | SOLE |  | 1851 | 0 | 11 |
| VANGUARD FTSE EMERGING MARKETS | Equities | 922042858 |  | 185178 | 3744 | SH |  | DFND |  | 3744 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS | Equities | 922042858 |  | 6305309 | 127483 | SH |  | SOLE |  | 127265 | 0 | 218 |
| VANGUARD INDEX FUNDS VANGUARD E | Equities | 922908652 |  | 694720 | 3605 | SH |  | SOLE |  | 3605 | 0 | 0 |
| Vanguard Intl Equity Index Fund | Equities | 922042874 |  | 367195 | 4738 | SH |  | DFND |  | 4738 | 0 | 0 |
| Vanguard Intl Equity Index Fund | Equities | 922042874 |  | 11084748 | 143029 | SH |  | SOLE |  | 143029 | 0 | 0 |
| VANGUARD INTM-TERM GOVT BOND FU | Equities | 92206C706 |  | 275365 | 4604 | SH |  | SOLE |  | 4604 | 0 | 0 |
| VANGUARD LARGE-CAP ETF | Equities | 922908637 |  | 3626734 | 12712 | SH |  | DFND |  | 12712 | 0 | 0 |
| VANGUARD LARGE-CAP ETF | Equities | 922908637 |  | 56099110 | 196632 | SH |  | SOLE |  | 196632 | 0 | 0 |
| VANGUARD MUN BD FD INC TAX EXEM | Equities | 922907746 |  | 3116053 | 63554 | SH |  | DFND |  | 63554 | 0 | 0 |
| VANGUARD MUN BD FD INC TAX EXEM | Equities | 922907746 |  | 38827249 | 791908 | SH |  | SOLE |  | 791908 | 0 | 0 |
| VANGUARD SHORT-TERM GOV BND | Equities | 92206C102 |  | 242820 | 4131 | SH |  | SOLE |  | 4131 | 0 | 0 |
| VANGUARD STAR FUNDS VANGUARD TO | Equities | 921909768 |  | 478379 | 6924 | SH |  | DFND |  | 6924 | 0 | 0 |
| VANGUARD STAR FUNDS VANGUARD TO | Equities | 921909768 |  | 29843356 | 431949 | SH |  | SOLE |  | 431949 | 0 | 0 |
| VERIZON COMMUNICATIONS INC COMM | Equities | 92343V104 |  | 7702 | 178 | SH |  | DFND |  | 178 | 0 | 0 |
| VERIZON COMMUNICATIONS INC COMM | Equities | 92343V104 |  | 369050 | 8529 | SH |  | SOLE |  | 8467 | 0 | 62 |
| VISA COMMON CL A | Equities | 92826C839 |  | 10652 | 30 | SH |  | DFND |  | 30 | 0 | 0 |
| VISA COMMON CL A | Equities | 92826C839 |  | 1404578 | 3956 | SH |  | SOLE |  | 3934 | 0 | 22 |
| VULCAN MATERIALS CO | Equities | 929160109 |  | 222219 | 852 | SH |  | SOLE |  | 852 | 0 | 0 |
| WAL-MART STORES COMMON | Equities | 931142103 |  | 877087 | 8970 | SH |  | SOLE |  | 8970 | 0 | 0 |
| WALT DISNEY COMMON | Equities | 254687106 |  | 345368 | 2785 | SH |  | SOLE |  | 2785 | 0 | 0 |
| WELLS FARGO  CO | Equities | 949746101 |  | 648011 | 8088 | SH |  | SOLE |  | 8088 | 0 | 0 |
| WILLIAMS COS INC DEL | Equities | 969457100 |  | 7160 | 114 | SH |  | DFND |  | 114 | 0 | 0 |
| WILLIAMS COS INC DEL | Equities | 969457100 |  | 195339 | 3110 | SH |  | SOLE |  | 3051 | 0 | 59 |

---