# EDGAR Filing Document

**Accession Number:** 0001677560
**File Stem:** 0001667731-25-001012
**Filing Date:** 2025-7
**Character Count:** 24626
**Document Hash:** 12526cf47c47cf9736f4e6db1b8bdff6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001667731-25-001012.hdr.sgml**: 20250730

**ACCESSION NUMBER**: 0001667731-25-001012

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250730

**DATE AS OF CHANGE**: 20250730

**EFFECTIVENESS DATE**: 20250730

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Members Trust Co
- **CENTRAL INDEX KEY:** 0001677560

**ORGANIZATION NAME:**
- **EIN:** 470924028
- **STATE OF INCORPORATION:** X1
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-17500
- **FILM NUMBER:** 251165537

**BUSINESS ADDRESS:**
- **STREET 1:** 14055 RIVEREDGE DRIVE
- **STREET 2:** SUITE 525
- **CITY:** TAMPA
- **STATE:** FL
- **ZIP:** 33637
- **BUSINESS PHONE:** 813-631-9191

**MAIL ADDRESS:**
- **STREET 1:** 14055 RIVEREDGE DRIVE
- **STREET 2:** SUITE 525
- **CITY:** TAMPA
- **STATE:** FL
- **ZIP:** 33637

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** MEMBERS Trust Co
- **DATE OF NAME CHANGE:** 20160617

### 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:** Members Trust Co<br>**Address:** 14055 RIVEREDGE DRIVE<br>SUITE 525<br>TAMPA, FL 33637

**Form 13F File Number:** 028-17500

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:** Michael E Moco<br>**Title:** SVP Head of Risk  Compliance<br>**Phone:** 734-559-6808

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

Michael E Moco  Grosse Ile, MI  07-30-2025<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:** 222

**Form 13F Information Table Value Total:** $2902086235

      (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 |
| EATON CORP PLC | SHS | G29183103 |  | 419106 | 1174 | SH |  | SOLE |  | 1174 | 0 | 0 |
| LINDE PLC | SHS | G54950103 |  | 323265 | 689 | SH |  | SOLE |  | 689 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 671379 | 23199 | SH |  | SOLE |  | 16403 | 0 | 6796 |
| AT INC | COM | 00206R102 |  | 40313 | 1393 | SH |  | OTR |  | 1350 | 43 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 423671 | 3115 | SH |  | SOLE |  | 3115 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 21625 | 159 | SH |  | OTR |  | 0 | 159 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 1324955 | 7138 | SH |  | SOLE |  | 7138 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 38794 | 209 | SH |  | OTR |  | 0 | 209 | 0 |
| ADOBE INC | COM | 00724F101 |  | 145466 | 376 | SH |  | SOLE |  | 376 | 0 | 0 |
| ADOBE INC | COM | 00724F101 |  | 73507 | 190 | SH |  | OTR |  | 0 | 190 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 886772 | 4999 | SH |  | SOLE |  | 4999 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 223334 | 1259 | SH |  | OTR |  | 0 | 1259 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 996404 | 5654 | SH |  | SOLE |  | 5654 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 98512 | 559 | SH |  | OTR |  | 0 | 559 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 203856 | 3477 | SH |  | SOLE |  | 3477 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 23452 | 400 | SH |  | OTR |  | 400 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 1289574 | 5878 | SH |  | SOLE |  | 5878 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 872294 | 3976 | SH |  | OTR |  | 1996 | 1980 | 0 |
| AMERICAN EXPRESS CO | COM | 025816109 |  | 673366 | 2111 | SH |  | SOLE |  | 2111 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 598905 | 2145 | SH |  | SOLE |  | 2145 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 24570 | 88 | SH |  | OTR |  | 0 | 88 | 0 |
| APPLE INC | COM | 037833100 |  | 23489502 | 114488 | SH |  | SOLE |  | 114488 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 764053 | 3724 | SH |  | OTR |  | 100 | 3624 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 768841 | 2493 | SH |  | SOLE |  | 2493 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 289077 | 6109 | SH |  | SOLE |  | 6109 | 0 | 0 |
| BANK AMERICA CORP | COM | 060505104 |  | 94 | 2 | SH |  | OTR |  | 0 | 2 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1102212 | 2269 | SH |  | SOLE |  | 2269 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1038576 | 2138 | SH |  | OTR |  | 0 | 2138 | 0 |
| BOEING CO | COM | 097023105 |  | 508948 | 2429 | SH |  | SOLE |  | 2429 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 28286 | 135 | SH |  | OTR |  | 135 | 0 | 0 |
| BOOZ ALLEN HAMILTON HLDG COR | CL A | 099502106 |  | 279068 | 2680 | SH |  | SOLE |  | 2680 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 928113 | 3367 | SH |  | SOLE |  | 3367 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 104747 | 380 | SH |  | OTR |  | 0 | 380 | 0 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 441555 | 6033 | SH |  | SOLE |  | 6033 | 0 | 0 |
| CARRIER GLOBAL CORPORATION | COM | 14448C104 |  | 8050 | 110 | SH |  | OTR |  | 100 | 10 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 4399583 | 11333 | SH |  | SOLE |  | 11333 | 0 | 0 |
| CATERPILLAR INC | COM | 149123101 |  | 45032 | 116 | SH |  | OTR |  | 100 | 16 | 0 |
| CHERRY HILL MTG INVT CORP | COM | 164651101 |  | 35490 | 13000 | SH |  | SOLE |  | 13000 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 648507 | 4529 | SH |  | SOLE |  | 4529 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 172257 | 1203 | SH |  | OTR |  | 473 | 730 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 734526 | 10587 | SH |  | SOLE |  | 10587 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 130434 | 1880 | SH |  | OTR |  | 950 | 930 | 0 |
| COCA COLA CO | COM | 191216100 |  | 4010110 | 56680 | SH |  | SOLE |  | 56680 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 37356 | 528 | SH |  | OTR |  | 350 | 178 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 324315 | 9087 | SH |  | SOLE |  | 7081 | 0 | 2006 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 571 | 16 | SH |  | OTR |  | 0 | 16 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 406342 | 4528 | SH |  | SOLE |  | 4528 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 1335429 | 1349 | SH |  | SOLE |  | 1349 | 0 | 0 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 327670 | 331 | SH |  | OTR |  | 0 | 331 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 1314431 | 6654 | SH |  | SOLE |  | 6654 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 228054 | 1839 | SH |  | SOLE |  | 1839 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 73413 | 592 | SH |  | OTR |  | 0 | 592 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 505684 | 8947 | SH |  | SOLE |  | 8947 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 552830 | 4685 | SH |  | SOLE |  | 4685 | 0 | 0 |
| DUKE ENERGY CORP NEW | COM NEW | 26441C204 |  | 94400 | 800 | SH |  | OTR |  | 300 | 500 | 0 |
| ELLINGTON FINANCIAL INC | COM | 28852N109 |  | 129900 | 10000 | SH |  | SOLE |  | 10000 | 0 | 0 |
| EMERSON ELEC CO | COM | 291011104 |  | 295459 | 2216 | SH |  | SOLE |  | 2216 | 0 | 0 |
| ENTERPRISE PRODS PARTNERS L | COM | 293792107 |  | 296920 | 9575 | SH |  | SOLE |  | 9575 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 1164455 | 10802 | SH |  | SOLE |  | 10802 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 77939 | 723 | SH |  | OTR |  | 615 | 108 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 742518 | 1006 | SH |  | SOLE |  | 1006 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 40594 | 55 | SH |  | OTR |  | 0 | 55 | 0 |
| FORTINET INC | COM | 34959E109 |  | 281003 | 2658 | SH |  | SOLE |  | 2658 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 386279 | 730 | SH |  | SOLE |  | 730 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 11112 | 21 | SH |  | OTR |  | 0 | 21 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 643475 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 22650 | 88 | SH |  | OTR |  | 0 | 88 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 1312571 | 3580 | SH |  | SOLE |  | 3580 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 32630 | 89 | SH |  | OTR |  | 0 | 89 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 989972 | 4251 | SH |  | SOLE |  | 4251 | 0 | 0 |
| HONEYWELL INTL INC | COM | 438516106 |  | 159289 | 684 | SH |  | OTR |  | 0 | 684 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 6905516 | 23426 | SH |  | SOLE |  | 23351 | 0 | 75 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 29478 | 100 | SH |  | OTR |  | 100 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 241066 | 437 | SH |  | SOLE |  | 437 | 0 | 0 |
| INVESCO QQQ TR | UNIT SER 1 | 46090E103 |  | 73368 | 133 | SH |  | OTR |  | 133 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 97482609 | 536385 | SH |  | SOLE |  | 536025 | 234 | 126 |
| INVESCO EXCHANGE TRADED FD T | S EQL WGT | 46137V357 |  | 31077 | 171 | SH |  | OTR |  | 171 | 0 | 0 |
| ISHARES SILVER TR | ISHARES | 46428Q109 |  | 211624 | 6450 | SH |  | SOLE |  | 6450 | 0 | 0 |
| ISHARES TR | CORE S ETF | 464287200 |  | 1194611 | 1924 | SH |  | SOLE |  | 1924 | 0 | 0 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 540668966 | 5450292 | SH |  | SOLE |  | 5448651 | 162 | 1479 |
| ISHARES TR | CORE US AGGBD ET | 464287226 |  | 248892 | 2509 | SH |  | OTR |  | 2009 | 500 | 0 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 163414699 | 1490874 | SH |  | SOLE |  | 1490543 | 44 | 287 |
| ISHARES TR | IBOXX INV CP ETF | 464287242 |  | 60066 | 548 | SH |  | OTR |  | 548 | 0 | 0 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 119575836 | 1248573 | SH |  | SOLE |  | 1248321 | 33 | 219 |
| ISHARES TR | 7-10 YR TRSY BD | 464287440 |  | 40031 | 418 | SH |  | OTR |  | 418 | 0 | 0 |
| ISHARES TR | 1 3 YR TREAS BD | 464287457 |  | 12287972 | 148298 | SH |  | SOLE |  | 147764 | 0 | 534 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 1252353 | 14010 | SH |  | SOLE |  | 13460 | 0 | 550 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 81166 | 908 | SH |  | OTR |  | 0 | 908 | 0 |
| ISHARES TR | RUS MID CAP ETF | 464287499 |  | 409174 | 4449 | SH |  | SOLE |  | 4449 | 0 | 0 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 135503342 | 2184833 | SH |  | SOLE |  | 2183427 | 930 | 476 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 50236 | 810 | SH |  | OTR |  | 810 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 470813 | 2424 | SH |  | SOLE |  | 2424 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 365138 | 860 | SH |  | SOLE |  | 860 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 689327 | 2030 | SH |  | SOLE |  | 2030 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 257274 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 253121 | 1173 | SH |  | SOLE |  | 1173 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 30857 | 143 | SH |  | OTR |  | 0 | 143 | 0 |
| ISHARES TR | RUSSELL 3000 ETF | 464287689 |  | 342225 | 975 | SH |  | SOLE |  | 975 | 0 | 0 |
| ISHARES TR | S MC 400VL ETF | 464287705 |  | 3205912 | 25942 | SH |  | SOLE |  | 25942 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 92458465 | 845992 | SH |  | SOLE |  | 845367 | 448 | 177 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 33552 | 307 | SH |  | OTR |  | 307 | 0 | 0 |
| ISHARES TR | DOW JONES US ETF | 464287846 |  | 214241 | 1420 | SH |  | SOLE |  | 1420 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 19078459 | 179410 | SH |  | SOLE |  | 176933 | 1826 | 651 |
| ISHARES TR | MSCI ACWI EX US | 464288240 |  | 466191 | 7650 | SH |  | SOLE |  | 7650 | 0 | 0 |
| ISHARES TR | NATIONAL MUN ETF | 464288414 |  | 825392 | 7900 | SH |  | SOLE |  | 7900 | 0 | 0 |
| ISHARES TR | ESG MSCI KLD 400 | 464288570 |  | 621339 | 5349 | SH |  | SOLE |  | 5349 | 0 | 0 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 157584623 | 2986820 | SH |  | SOLE |  | 2986132 | 92 | 596 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 60093 | 1139 | SH |  | OTR |  | 1139 | 0 | 0 |
| ISHARES TR | 3 7 YR TREAS BD | 464288661 |  | 397641 | 3339 | SH |  | SOLE |  | 3339 | 0 | 0 |
| ISHARES TR | ESG OPTIMIZED | 464288802 |  | 1234798 | 9742 | SH |  | SOLE |  | 9742 | 0 | 0 |
| ISHARES TR | US TREAS BD ETF | 46429B267 |  | 389556 | 16952 | SH |  | SOLE |  | 16952 | 0 | 0 |
| ISHARES TR | MSCI USA QLT FCT | 46432F339 |  | 242602 | 1327 | SH |  | SOLE |  | 1327 | 0 | 0 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 255018460 | 3054845 | SH |  | SOLE |  | 3052879 | 1283 | 683 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 91828 | 1100 | SH |  | OTR |  | 1100 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 130553484 | 2174804 | SH |  | SOLE |  | 2173106 | 1123 | 575 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 47423 | 790 | SH |  | OTR |  | 790 | 0 | 0 |
| ISHARES TR | CORE TOTAL USD | 46434V613 |  | 235773 | 5100 | SH |  | SOLE |  | 5100 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 2953023 | 10186 | SH |  | SOLE |  | 10186 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 156551 | 540 | SH |  | OTR |  | 381 | 159 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1476634 | 9667 | SH |  | SOLE |  | 9667 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 73167 | 479 | SH |  | OTR |  | 85 | 394 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 531639 | 682 | SH |  | SOLE |  | 682 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 197297 | 426 | SH |  | SOLE |  | 426 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 24546 | 53 | SH |  | OTR |  | 0 | 53 | 0 |
| LOWES COS INC | COM | 548661107 |  | 193248 | 871 | SH |  | SOLE |  | 871 | 0 | 0 |
| LOWES COS INC | COM | 548661107 |  | 279556 | 1260 | SH |  | OTR |  | 0 | 1260 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 203422 | 362 | SH |  | SOLE |  | 362 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 141046 | 251 | SH |  | OTR |  | 0 | 251 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 1154071 | 3950 | SH |  | SOLE |  | 3950 | 0 | 0 |
| MCDONALDS CORP | COM | 580135101 |  | 260907 | 893 | SH |  | OTR |  | 350 | 543 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 411236 | 5195 | SH |  | SOLE |  | 5195 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 40925 | 517 | SH |  | OTR |  | 400 | 117 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 14219459 | 28587 | SH |  | SOLE |  | 28587 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1527546 | 3071 | SH |  | OTR |  | 234 | 2837 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 163373 | 122 | SH |  | SOLE |  | 122 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 46869 | 35 | SH |  | OTR |  | 0 | 35 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 433319 | 6242 | SH |  | SOLE |  | 6242 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 48594 | 700 | SH |  | OTR |  | 0 | 700 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 657330 | 2568 | SH |  | SOLE |  | 2568 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 89589 | 350 | SH |  | OTR |  | 0 | 350 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 409983 | 820 | SH |  | SOLE |  | 820 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 68497 | 137 | SH |  | OTR |  | 0 | 137 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1545458 | 9782 | SH |  | SOLE |  | 9782 | 0 | 0 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 39497 | 250 | SH |  | OTR |  | 250 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 653485 | 2989 | SH |  | SOLE |  | 2989 | 0 | 0 |
| ORACLE CORP | COM | 68389X105 |  | 110408 | 505 | SH |  | OTR |  | 0 | 505 | 0 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 215269 | 2174 | SH |  | SOLE |  | 2174 | 0 | 0 |
| OTIS WORLDWIDE CORP | COM | 68902V107 |  | 495 | 5 | SH |  | OTR |  | 0 | 5 | 0 |
| PPG INDS INC | COM | 693506107 |  | 280507 | 2466 | SH |  | SOLE |  | 2466 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 1194037 | 9043 | SH |  | SOLE |  | 9043 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 51891 | 393 | SH |  | OTR |  | 343 | 50 | 0 |
| PFIZER INC | COM | 717081103 |  | 530856 | 21900 | SH |  | SOLE |  | 21900 | 0 | 0 |
| PFIZER INC | COM | 717081103 |  | 33717 | 1391 | SH |  | OTR |  | 0 | 1391 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 364624 | 2002 | SH |  | SOLE |  | 2002 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 51722 | 283 | SH |  | OTR |  | 201 | 82 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 1229153 | 7715 | SH |  | SOLE |  | 7715 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 97344 | 611 | SH |  | OTR |  | 70 | 541 | 0 |
| PRUDENTIAL FINL INC | COM | 744320102 |  | 401718 | 3739 | SH |  | SOLE |  | 3739 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 325368 | 2043 | SH |  | SOLE |  | 2043 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 562323 | 3851 | SH |  | SOLE |  | 3851 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 37819 | 259 | SH |  | OTR |  | 100 | 159 | 0 |
| S GLOBAL INC | COM | 78409V104 |  | 1285533 | 2438 | SH |  | SOLE |  | 2438 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 460049874 | 744598 | SH |  | SOLE |  | 743743 | 369 | 486 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 154462 | 250 | SH |  | OTR |  | 250 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 931865 | 3057 | SH |  | SOLE |  | 3057 | 0 | 0 |
| SPDR SERIES TRUST | PORTFOLIO SHORT | 78464A474 |  | 621672 | 20592 | SH |  | SOLE |  | 20592 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 513797 | 907 | SH |  | SOLE |  | 907 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 69677 | 123 | SH |  | OTR |  | 0 | 123 | 0 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 99203999 | 3386958 | SH |  | SOLE |  | 3386137 | 110 | 711 |
| SPDR SERIES TRUST | PORTFOLIO SH TSR | 78468R101 |  | 39775 | 1358 | SH |  | OTR |  | 1358 | 0 | 0 |
| SPDR SERIES TRUST | SPDR S 500 ETF | 78468R796 |  | 200154 | 3930 | SH |  | SOLE |  | 3930 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 459472 | 18800 | SH |  | SOLE |  | 18800 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 769274 | 26336 | SH |  | SOLE |  | 26336 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 235037 | 5873 | SH |  | SOLE |  | 5873 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 386578 | 15753 | SH |  | SOLE |  | 15753 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 925279 | 10076 | SH |  | SOLE |  | 10076 | 0 | 0 |
| SOUTHERN CO | COM | 842587107 |  | 29385 | 320 | SH |  | OTR |  | 300 | 20 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 885420 | 9663 | SH |  | SOLE |  | 9663 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 213314 | 2328 | SH |  | OTR |  | 1498 | 830 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 103655 | 262 | SH |  | SOLE |  | 262 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 111172 | 281 | SH |  | OTR |  | 0 | 281 | 0 |
| TARGET CORP | COM | 87612E106 |  | 330872 | 3354 | SH |  | SOLE |  | 3354 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 265881 | 837 | SH |  | SOLE |  | 837 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 512287 | 3365 | SH |  | SOLE |  | 3365 | 0 | 0 |
| 3M CO | COM | 88579Y101 |  | 1522 | 10 | SH |  | OTR |  | 0 | 10 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 207343 | 775 | SH |  | SOLE |  | 775 | 0 | 0 |
| TRAVELERS COMPANIES INC | COM | 89417E109 |  | 20600 | 77 | SH |  | OTR |  | 0 | 77 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 281157 | 1222 | SH |  | SOLE |  | 1222 | 0 | 0 |
| UNION PAC CORP | COM | 907818108 |  | 34512 | 150 | SH |  | OTR |  | 0 | 150 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 435510 | 1396 | SH |  | SOLE |  | 1396 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 25893 | 83 | SH |  | OTR |  | 0 | 83 | 0 |
| VANGUARD ADMIRAL FDS INC | 500 GRTH IDX F | 921932505 |  | 262112 | 661 | SH |  | SOLE |  | 661 | 0 | 0 |
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 |  | 217355 | 2952 | SH |  | SOLE |  | 2952 | 0 | 0 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 367030 | 6438 | SH |  | SOLE |  | 6438 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 247764 | 2988 | SH |  | SOLE |  | 2988 | 0 | 0 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 115303066 | 2351684 | SH |  | SOLE |  | 2339769 | 4084 | 7831 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 5554765 | 9779 | SH |  | SOLE |  | 9779 | 0 | 0 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 78388 | 138 | SH |  | OTR |  | 0 | 138 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 5861988 | 21167 | SH |  | SOLE |  | 21167 | 0 | 0 |
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 |  | 5261 | 19 | SH |  | OTR |  | 19 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 582606 | 2082 | SH |  | SOLE |  | 2082 | 0 | 0 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 52328 | 187 | SH |  | OTR |  | 187 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 89706723 | 204623 | SH |  | SOLE |  | 204561 | 13 | 49 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 66636 | 152 | SH |  | OTR |  | 77 | 75 | 0 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 266284790 | 1506647 | SH |  | SOLE |  | 1505577 | 762 | 308 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 97030 | 549 | SH |  | OTR |  | 549 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 581785 | 2455 | SH |  | SOLE |  | 2455 | 0 | 0 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 46922 | 198 | SH |  | OTR |  | 198 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 3044770 | 10018 | SH |  | SOLE |  | 10018 | 0 | 0 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 32520 | 107 | SH |  | OTR |  | 0 | 107 | 0 |
| VERALTO CORP | COM SHS | 92338C103 |  | 208966 | 2070 | SH |  | SOLE |  | 2070 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 565495 | 13069 | SH |  | SOLE |  | 10695 | 0 | 2374 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 33837 | 782 | SH |  | OTR |  | 782 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 1269658 | 3576 | SH |  | SOLE |  | 3576 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 112550 | 317 | SH |  | OTR |  | 0 | 317 | 0 |
| WALMART INC | COM | 931142103 |  | 970270 | 9923 | SH |  | SOLE |  | 9923 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 88002 | 900 | SH |  | OTR |  | 0 | 900 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 180996 | 791 | SH |  | SOLE |  | 791 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 102740 | 449 | SH |  | OTR |  | 0 | 449 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 1019206 | 12721 | SH |  | SOLE |  | 12721 | 0 | 0 |
| WELLS FARGO CO NEW | COM | 949746101 |  | 12498 | 156 | SH |  | OTR |  | 0 | 156 | 0 |
| XYLEM INC | COM | 98419M100 |  | 317578 | 2455 | SH |  | SOLE |  | 2355 | 0 | 100 |

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