# EDGAR Filing Document

**Accession Number:** 0002001155
**File Stem:** 0002001155-25-000005
**Filing Date:** 2025-10
**Character Count:** 23609
**Document Hash:** 860a4da282db0fbd7b5c423a7dfd7f17
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0002001155-25-000005.hdr.sgml**: 20251031

**ACCESSION NUMBER**: 0002001155-25-000005

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250930

**FILED AS OF DATE**: 20251031

**DATE AS OF CHANGE**: 20251031

**EFFECTIVENESS DATE**: 20251031

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Exchange Bank
- **CENTRAL INDEX KEY:** 0002001155

**ORGANIZATION NAME:**
- **EIN:** 686031040
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-23459
- **FILM NUMBER:** 251439777

**BUSINESS ADDRESS:**
- **STREET 1:** 545 4TH STREET
- **CITY:** SANTA ROSA
- **STATE:** CA
- **ZIP:** 95401
- **BUSINESS PHONE:** 7075243143

**MAIL ADDRESS:**
- **STREET 1:** PO BOX 208
- **CITY:** SANTA ROSA
- **STATE:** CA
- **ZIP:** 95402

### FORM 13F COVER PAGE

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

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

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

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Exchange Bank<br>**Address:** PO BOX 208<br>SANTA ROSA, CA 95402

**Form 13F File Number:** 028-23459

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:** RENEE PILKENTON<br>**Title:** TRUST OPERATIONS AND COMPLIANCE MANAGER<br>**Phone:** 707-524-3143

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

RENEE PILKENTON  SANTA ROSA, CA  10-31-2025<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:** 193

**Form 13F Information Table Value Total:** $144091460

      (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 |
| AT INC | COMMON STOCK | 00206R102 |  | 173592 | 6147 | SH |  | SOLE |  | 5218 | 0 | 929 |
| AT INC | COMMON STOCK | 00206R102 |  | 55040 | 1949 | SH |  | OTR |  | 1949 | 0 | 0 |
| ABBOTT LABORATORIES | COMMON STOCK | 002824100 |  | 295338 | 2205 | SH |  | SOLE |  | 1849 | 0 | 356 |
| ABBOTT LABORATORIES | COMMON STOCK | 002824100 |  | 31878 | 238 | SH |  | OTR |  | 238 | 0 | 0 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 313505 | 1354 | SH |  | SOLE |  | 1038 | 0 | 316 |
| ABBVIE INC | COMMON STOCK | 00287Y109 |  | 190326 | 822 | SH |  | OTR |  | 822 | 0 | 0 |
| ADOBE SYSTEMS INC | COMMON STOCK | 00724F101 |  | 290316 | 823 | SH |  | SOLE |  | 739 | 0 | 84 |
| ADOBE SYSTEMS INC | COMMON STOCK | 00724F101 |  | 69139 | 196 | SH |  | OTR |  | 91 | 0 | 105 |
| AGILENT TECHNOLOGIES INC | COMMON STOCK | 00846U101 |  | 436904 | 3404 | SH |  | SOLE |  | 3351 | 0 | 53 |
| ALPHABET INC | COMMON STOCK | 02079K107 |  | 1431830 | 5879 | SH |  | SOLE |  | 5216 | 0 | 663 |
| ALPHABET INC | COMMON STOCK | 02079K107 |  | 151975 | 624 | SH |  | OTR |  | 624 | 0 | 0 |
| ALPHABET INC | COMMON STOCK | 02079K305 |  | 2004117 | 8244 | SH |  | SOLE |  | 6989 | 0 | 1255 |
| ALPHABET INC | COMMON STOCK | 02079K305 |  | 360762 | 1484 | SH |  | OTR |  | 1181 | 0 | 303 |
| ALTRIA GROUP INC | COMMON STOCK | 02209S103 |  | 904362 | 13690 | SH |  | SOLE |  | 13364 | 0 | 326 |
| AMAZON COM INC SR | COMMON STOCK | 023135106 |  | 1374947 | 6262 | SH |  | SOLE |  | 4486 | 0 | 1776 |
| AMAZON COM INC SR | COMMON STOCK | 023135106 |  | 417842 | 1903 | SH |  | OTR |  | 1757 | 0 | 146 |
| AVANTIS INTL SMALL CAP VAL ETF | MUTUAL FUNDS/EQ | 025072802 |  | 768240 | 8629 | SH |  | SOLE |  | 634 | 0 | 7995 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 653026 | 1966 | SH |  | SOLE |  | 1787 | 0 | 179 |
| AMERICAN EXPRESS CO | COMMON STOCK | 025816109 |  | 236830 | 713 | SH |  | OTR |  | 713 | 0 | 0 |
| AMPHENOL CORP | COMMON STOCK | 032095101 |  | 435971 | 3523 | SH |  | SOLE |  | 3435 | 0 | 88 |
| APPLE INC | COMMON STOCK | 037833100 |  | 5716446 | 22450 | SH |  | SOLE |  | 19722 | 0 | 2728 |
| APPLE INC | COMMON STOCK | 037833100 |  | 1487548 | 5842 | SH |  | OTR |  | 5635 | 0 | 207 |
| AUTOMATIC DATA PROCESSING INC | COMMON STOCK | 053015103 |  | 1705236 | 5810 | SH |  | SOLE |  | 5725 | 0 | 85 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 164829 | 3195 | SH |  | SOLE |  | 1367 | 0 | 1828 |
| BANK OF AMERICA CORP | COMMON STOCK | 060505104 |  | 68666 | 1331 | SH |  | OTR |  | 0 | 0 | 1331 |
| BANK OF NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 733845 | 6735 | SH |  | SOLE |  | 6706 | 0 | 29 |
| BANK OF NEW YORK MELLON CORP | COMMON STOCK | 064058100 |  | 89347 | 820 | SH |  | OTR |  | 820 | 0 | 0 |
| BECTON DICKINSON  CO | COMMON STOCK | 075887109 |  | 531001 | 2837 | SH |  | SOLE |  | 2800 | 0 | 37 |
| BERKSHIRE HATHAWAY INC | COMMON STOCK | 084670108 |  | 2262600 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| BERKSHIRE HATHAWAY INC | COMMON STOCK | 084670702 |  | 807902 | 1607 | SH |  | SOLE |  | 1306 | 0 | 301 |
| BERKSHIRE HATHAWAY INC | COMMON STOCK | 084670702 |  | 72897 | 145 | SH |  | OTR |  | 0 | 0 | 145 |
| BLACKROCK INC | COMMON STOCK | 09290D101 |  | 389398 | 334 | SH |  | SOLE |  | 314 | 0 | 20 |
| BLACKROCK INC | COMMON STOCK | 09290D101 |  | 155061 | 133 | SH |  | OTR |  | 133 | 0 | 0 |
| BOEING CO | COMMON STOCK | 097023105 |  | 642741 | 2978 | SH |  | SOLE |  | 2821 | 0 | 157 |
| BOEING CO | COMMON STOCK | 097023105 |  | 2158 | 10 | SH |  | OTR |  | 0 | 0 | 10 |
| BOOKING HLDGS INC | COMMON STOCK | 09857L108 |  | 329355 | 61 | SH |  | SOLE |  | 52 | 0 | 9 |
| BOOKING HLDGS INC | COMMON STOCK | 09857L108 |  | 43194 | 8 | SH |  | OTR |  | 8 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COMMON STOCK | 110122108 |  | 1321701 | 29306 | SH |  | SOLE |  | 28571 | 0 | 735 |
| BROADRIDGE FINANCIAL SOLUTIONS | COMMON STOCK | 11133T103 |  | 535883 | 2250 | SH |  | SOLE |  | 2250 | 0 | 0 |
| BROADCOM INC COM | COMMON STOCK | 11135F101 |  | 746585 | 2263 | SH |  | SOLE |  | 1469 | 0 | 794 |
| BROADCOM INC COM | COMMON STOCK | 11135F101 |  | 330240 | 1001 | SH |  | OTR |  | 1001 | 0 | 0 |
| CSX CORP | COMMON STOCK | 126408103 |  | 280352 | 7895 | SH |  | SOLE |  | 7406 | 0 | 489 |
| CAPITAL ONE FINANCIAL CORP | COMMON STOCK | 14040H105 |  | 197061 | 927 | SH |  | SOLE |  | 786 | 0 | 141 |
| CAPITAL ONE FINANCIAL CORP | COMMON STOCK | 14040H105 |  | 39965 | 188 | SH |  | OTR |  | 0 | 0 | 188 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 3849647 | 8068 | SH |  | SOLE |  | 8005 | 0 | 63 |
| CATERPILLAR INC | COMMON STOCK | 149123101 |  | 81116 | 170 | SH |  | OTR |  | 170 | 0 | 0 |
| CHEVRON CORP | COMMON STOCK | 166764100 |  | 3393397 | 21852 | SH |  | SOLE |  | 21554 | 0 | 298 |
| CHEVRON CORP | COMMON STOCK | 166764100 |  | 159484 | 1027 | SH |  | OTR |  | 1027 | 0 | 0 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 431663 | 6309 | SH |  | SOLE |  | 5594 | 0 | 715 |
| CISCO SYSTEMS INC | COMMON STOCK | 17275R102 |  | 143887 | 2103 | SH |  | OTR |  | 2103 | 0 | 0 |
| COCA-COLA CO | COMMON STOCK | 191216100 |  | 1928716 | 29082 | SH |  | SOLE |  | 28408 | 0 | 674 |
| COCA-COLA CO | COMMON STOCK | 191216100 |  | 89399 | 1348 | SH |  | OTR |  | 1348 | 0 | 0 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 676635 | 731 | SH |  | SOLE |  | 651 | 0 | 80 |
| COSTCO WHOLESALE CORP | COMMON STOCK | 22160K105 |  | 82381 | 89 | SH |  | OTR |  | 89 | 0 | 0 |
| WALT DISNEY CO | COMMON STOCK | 254687106 |  | 412433 | 3602 | SH |  | SOLE |  | 974 | 0 | 2628 |
| DUKE ENERGY CORP | COMMON STOCK | 26441C204 |  | 376821 | 3045 | SH |  | SOLE |  | 2910 | 0 | 135 |
| DUPONT DE NEMOURS INC | COMMON STOCK | 26614N102 |  | 319935 | 4107 | SH |  | SOLE |  | 4002 | 0 | 105 |
| EMERSON ELECTRIC CO | COMMON STOCK | 291011104 |  | 464247 | 3539 | SH |  | SOLE |  | 3439 | 0 | 100 |
| EMERSON ELECTRIC CO | COMMON STOCK | 291011104 |  | 100747 | 768 | SH |  | OTR |  | 768 | 0 | 0 |
| ENTERPRISE PRODUCTS PARTNERS L P | PARTNERSHIPS | 293792107 |  | 209540 | 6701 | SH |  | SOLE |  | 6701 | 0 | 0 |
| EVERSOURCE ENERGY | COMMON STOCK | 30040W108 |  | 205523 | 2889 | SH |  | SOLE |  | 2850 | 0 | 39 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 2779968 | 24656 | SH |  | SOLE |  | 21947 | 0 | 2709 |
| EXXON MOBIL CORP | COMMON STOCK | 30231G102 |  | 100911 | 895 | SH |  | OTR |  | 620 | 0 | 275 |
| META PLATFORMS INC | COMMON STOCK | 30303M102 |  | 641848 | 874 | SH |  | SOLE |  | 454 | 0 | 420 |
| META PLATFORMS INC | COMMON STOCK | 30303M102 |  | 334143 | 455 | SH |  | OTR |  | 455 | 0 | 0 |
| FEDEX CORP | COMMON STOCK | 31428X106 |  | 696347 | 2953 | SH |  | SOLE |  | 2852 | 0 | 101 |
| GE VERNOVA INC | COMMON STOCK | 36828A101 |  | 604448 | 983 | SH |  | SOLE |  | 944 | 0 | 39 |
| GE AEROSPACE | COMMON STOCK | 369604301 |  | 1208996 | 4019 | SH |  | SOLE |  | 3889 | 0 | 130 |
| GENERAL MILLS INC | COMMON STOCK | 370334104 |  | 219327 | 4350 | SH |  | SOLE |  | 4270 | 0 | 80 |
| GENUINE PARTS CO | COMMON STOCK | 372460105 |  | 215385 | 1554 | SH |  | SOLE |  | 1554 | 0 | 0 |
| GENUINE PARTS CO | COMMON STOCK | 372460105 |  | 31185 | 225 | SH |  | OTR |  | 225 | 0 | 0 |
| GLOBAL X US INFRASTRUCTURE ETF | MUTUAL FUNDS/EQ | 37954Y673 |  | 316787 | 6651 | SH |  | SOLE |  | 0 | 0 | 6651 |
| GLOBE LIFE INC | COMMON STOCK | 37959E102 |  | 965048 | 6750 | SH |  | SOLE |  | 6750 | 0 | 0 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 1032018 | 2547 | SH |  | SOLE |  | 2333 | 0 | 214 |
| HOME DEPOT INC | COMMON STOCK | 437076102 |  | 160455 | 396 | SH |  | OTR |  | 396 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 697814 | 3315 | SH |  | SOLE |  | 3164 | 0 | 151 |
| HONEYWELL INTERNATIONAL INC | COMMON STOCK | 438516106 |  | 86095 | 409 | SH |  | OTR |  | 409 | 0 | 0 |
| HUNTINGTON BANCSHARES INC | COMMON STOCK | 446150104 |  | 656674 | 38024 | SH |  | SOLE |  | 38024 | 0 | 0 |
| ILLINOIS TOOL WORKS INC | COMMON STOCK | 452308109 |  | 356459 | 1367 | SH |  | SOLE |  | 1304 | 0 | 63 |
| ILLINOIS TOOL WORKS INC | COMMON STOCK | 452308109 |  | 138724 | 532 | SH |  | OTR |  | 532 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COMMON STOCK | 459200101 |  | 3092756 | 10961 | SH |  | SOLE |  | 10836 | 0 | 125 |
| INTERNATIONAL BUSINESS MACHS | COMMON STOCK | 459200101 |  | 215853 | 765 | SH |  | OTR |  | 765 | 0 | 0 |
| ISHARES GOLD TRUST | MUTUAL FUNDS/EQ | 464285204 |  | 674505 | 9269 | SH |  | SOLE |  | 9269 | 0 | 0 |
| ISHARES CORE S 500 (MKT) | MUTUAL FUNDS/EQ | 464287200 |  | 722176 | 1079 | SH |  | SOLE |  | 1079 | 0 | 0 |
| ISHARES CORE TOTAL US BOND | MUTUAL FUNDS/FI | 464287226 |  | 3085699 | 30780 | SH |  | SOLE |  | 30780 | 0 | 0 |
| ISHARES CORE TOTAL US BOND | MUTUAL FUNDS/FI | 464287226 |  | 623555 | 6220 | SH |  | OTR |  | 6220 | 0 | 0 |
| ISHARES MSCI EAFE (MKT) | MUTUAL FUNDS/EQ | 464287465 |  | 766287 | 8207 | SH |  | SOLE |  | 8207 | 0 | 0 |
| ISHARES CORE S MID-CAP (MKT) | MUTUAL FUNDS/EQ | 464287507 |  | 1818471 | 27865 | SH |  | SOLE |  | 27865 | 0 | 0 |
| ISHARES CORE S MID-CAP (MKT) | MUTUAL FUNDS/EQ | 464287507 |  | 313248 | 4800 | SH |  | OTR |  | 4800 | 0 | 0 |
| ISHARES RUSSELL 2000 (MKT) | MUTUAL FUNDS/EQ | 464287655 |  | 724186 | 2993 | SH |  | SOLE |  | 2993 | 0 | 0 |
| ISHARES CORE S SMALL-CAP (MKT) | MUTUAL FUNDS/EQ | 464287804 |  | 531288 | 4471 | SH |  | SOLE |  | 4471 | 0 | 0 |
| ISHARES CORE S SMALL-CAP (MKT) | MUTUAL FUNDS/EQ | 464287804 |  | 125366 | 1055 | SH |  | OTR |  | 1055 | 0 | 0 |
| ISHARES ST NATIONAL AMTFREE MUNI | MUTUAL FUNDS / | 464288158 |  | 1114250 | 10435 | SH |  | SOLE |  | 10435 | 0 | 0 |
| ISHARES NATIONAL AMT-FREE MUNI | MUTUAL FUNDS / | 464288414 |  | 5470922 | 51375 | SH |  | SOLE |  | 51375 | 0 | 0 |
| ISHARES INTERMEDIATE-TERM | MUTUAL FUNDS/FI | 464288638 |  | 414978 | 7672 | SH |  | SOLE |  | 7672 | 0 | 0 |
| ISHARES SHORT-TERM CORPORATE | MUTUAL FUNDS/FI | 464288646 |  | 1175304 | 22163 | SH |  | SOLE |  | 22163 | 0 | 0 |
| ISHARES FLOATING RATE BOND (MKT) | MUTUAL FUNDS/FI | 46429B655 |  | 208427 | 4080 | SH |  | SOLE |  | 4080 | 0 | 0 |
| ISHARES MSCI USA MINIMUM | MUTUAL FUNDS/EQ | 46429B697 |  | 599382 | 6300 | SH |  | SOLE |  | 6300 | 0 | 0 |
| ISHARES MSCI USA QUALITY FACTOR | MUTUAL FUNDS/EQ | 46432F339 |  | 522042 | 2684 | SH |  | SOLE |  | 2684 | 0 | 0 |
| ISHARES ESG1 5 YR USD BD ETF | MUTUAL FUNDS/FI | 46435G243 |  | 535712 | 21166 | SH |  | SOLE |  | 21166 | 0 | 0 |
| ISHARES FALN ANGLS USD BD ETF | MUTUAL FUNDS/FI | 46435G474 |  | 703556 | 25326 | SH |  | SOLE |  | 25326 | 0 | 0 |
| ISHARES FALN ANGLS USD BD ETF | MUTUAL FUNDS/FI | 46435G474 |  | 29558 | 1064 | SH |  | OTR |  | 1064 | 0 | 0 |
| ISHARES CORE INTERNATIONAL | MUTUAL FUNDS/FI | 46435G672 |  | 1282951 | 25043 | SH |  | SOLE |  | 25043 | 0 | 0 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 3367218 | 10675 | SH |  | SOLE |  | 10065 | 0 | 610 |
| JP MORGAN CHASE  CO | COMMON STOCK | 46625H100 |  | 318584 | 1010 | SH |  | OTR |  | 1010 | 0 | 0 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 5205300 | 28073 | SH |  | SOLE |  | 27176 | 0 | 897 |
| JOHNSON  JOHNSON | COMMON STOCK | 478160104 |  | 330418 | 1782 | SH |  | OTR |  | 1782 | 0 | 0 |
| LAM RESEARCH CORP | COMMON STOCK | 512807306 |  | 200448 | 1497 | SH |  | SOLE |  | 1150 | 0 | 347 |
| ELI LILLY  CO | COMMON STOCK | 532457108 |  | 886606 | 1162 | SH |  | SOLE |  | 1005 | 0 | 157 |
| ELI LILLY  CO | COMMON STOCK | 532457108 |  | 39676 | 52 | SH |  | OTR |  | 52 | 0 | 0 |
| LOCKHEED MARTIN CORP | COMMON STOCK | 539830109 |  | 152757 | 306 | SH |  | SOLE |  | 268 | 0 | 38 |
| LOCKHEED MARTIN CORP | COMMON STOCK | 539830109 |  | 114319 | 229 | SH |  | OTR |  | 229 | 0 | 0 |
| LOWES COMPANIES INC | COMMON STOCK | 548661107 |  | 583042 | 2320 | SH |  | SOLE |  | 2174 | 0 | 146 |
| MARSH  MCLENNAN COS INC | COMMON STOCK | 571748102 |  | 1242231 | 6164 | SH |  | SOLE |  | 6050 | 0 | 114 |
| MASTERCARD INC | COMMON STOCK | 57636Q104 |  | 324220 | 570 | SH |  | SOLE |  | 435 | 0 | 135 |
| MASTERCARD INC | COMMON STOCK | 57636Q104 |  | 354937 | 624 | SH |  | OTR |  | 624 | 0 | 0 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 740277 | 2436 | SH |  | SOLE |  | 1502 | 0 | 934 |
| MCDONALDS CORP | COMMON STOCK | 580135101 |  | 53181 | 175 | SH |  | OTR |  | 175 | 0 | 0 |
| MERCK  CO INC | COMMON STOCK | 58933Y105 |  | 1218582 | 14519 | SH |  | SOLE |  | 13953 | 0 | 566 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 3811595 | 7359 | SH |  | SOLE |  | 6036 | 0 | 1323 |
| MICROSOFT CORP | COMMON STOCK | 594918104 |  | 1382410 | 2669 | SH |  | OTR |  | 2584 | 0 | 85 |
| MICROCHIP TECHNOLOGY INC | COMMON STOCK | 595017104 |  | 188293 | 2932 | SH |  | SOLE |  | 2850 | 0 | 82 |
| MICROCHIP TECHNOLOGY INC | COMMON STOCK | 595017104 |  | 32110 | 500 | SH |  | OTR |  | 500 | 0 | 0 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 623638 | 9983 | SH |  | SOLE |  | 9755 | 0 | 228 |
| MONDELEZ INTL INC | COMMON STOCK | 609207105 |  | 72528 | 1161 | SH |  | OTR |  | 1161 | 0 | 0 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 384854 | 321 | SH |  | SOLE |  | 246 | 0 | 75 |
| NETFLIX INC | COMMON STOCK | 64110L106 |  | 155859 | 130 | SH |  | OTR |  | 130 | 0 | 0 |
| NEXTERA ENERGY INC | COMMON STOCK | 65339F101 |  | 1034666 | 13706 | SH |  | SOLE |  | 13288 | 0 | 418 |
| NORFOLK SOUTHERN CORP | COMMON STOCK | 655844108 |  | 1639037 | 5456 | SH |  | SOLE |  | 5400 | 0 | 56 |
| NORTHERN TRUST CORP | COMMON STOCK | 665859104 |  | 269200 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COMMON STOCK | 666807102 |  | 340611 | 559 | SH |  | SOLE |  | 517 | 0 | 42 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 2300343 | 12329 | SH |  | SOLE |  | 7856 | 0 | 4473 |
| NVIDIA CORP | COMMON STOCK | 67066G104 |  | 548545 | 2940 | SH |  | OTR |  | 2940 | 0 | 0 |
| ORACLE CORP | COMMON STOCK | 68389X105 |  | 1796280 | 6387 | SH |  | SOLE |  | 5950 | 0 | 437 |
| PNC FINANCIAL SERVICES GROUP | COMMON STOCK | 693475105 |  | 229061 | 1140 | SH |  | SOLE |  | 1050 | 0 | 90 |
| PNC FINANCIAL SERVICES GROUP | COMMON STOCK | 693475105 |  | 18084 | 90 | SH |  | OTR |  | 90 | 0 | 0 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 571588 | 4070 | SH |  | SOLE |  | 3851 | 0 | 219 |
| PEPSICO INC | COMMON STOCK | 713448108 |  | 123026 | 876 | SH |  | OTR |  | 876 | 0 | 0 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 667649 | 26203 | SH |  | SOLE |  | 25134 | 0 | 1069 |
| PFIZER INC | COMMON STOCK | 717081103 |  | 28053 | 1101 | SH |  | OTR |  | 1101 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL INC | COMMON STOCK | 718172109 |  | 1804799 | 11127 | SH |  | SOLE |  | 10857 | 0 | 270 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 2775076 | 18061 | SH |  | SOLE |  | 17617 | 0 | 444 |
| PROCTER  GAMBLE CO | COMMON STOCK | 742718109 |  | 934499 | 6082 | SH |  | OTR |  | 6082 | 0 | 0 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 195141 | 1173 | SH |  | SOLE |  | 1029 | 0 | 144 |
| QUALCOMM INC | COMMON STOCK | 747525103 |  | 51904 | 312 | SH |  | OTR |  | 312 | 0 | 0 |
| RTX CORPORATION | COMMON STOCK | 75513E101 |  | 484086 | 2893 | SH |  | SOLE |  | 2636 | 0 | 257 |
| RTX CORPORATION | COMMON STOCK | 75513E101 |  | 83665 | 500 | SH |  | OTR |  | 500 | 0 | 0 |
| SPDR S 500 ETF | MUTUAL FUNDS/EQ | 78462F103 |  | 1923262 | 2887 | SH |  | SOLE |  | 2887 | 0 | 0 |
| SPDR BOFA ML CROSSOVER CORP BOND | MUTUAL FUNDS/FI | 78468R606 |  | 633669 | 26469 | SH |  | SOLE |  | 26469 | 0 | 0 |
| SPDR NUVEEN ICE MUNICIPAL BOND | MUTUAL FUNDS / | 78468R721 |  | 210625 | 4622 | SH |  | SOLE |  | 4622 | 0 | 0 |
| SCHWAB US BROAD MARKET ETFT | MUTUAL FUNDS/EQ | 808524102 |  | 1988669 | 77350 | SH |  | SOLE |  | 77350 | 0 | 0 |
| SERVICENOW INC SR CV | COMMON STOCK | 81762P102 |  | 207063 | 225 | SH |  | SOLE |  | 207 | 0 | 18 |
| SERVICENOW INC SR CV | COMMON STOCK | 81762P102 |  | 52456 | 57 | SH |  | OTR |  | 57 | 0 | 0 |
| TJX COS INC NEW | COMMON STOCK | 872540109 |  | 170270 | 1178 | SH |  | SOLE |  | 959 | 0 | 219 |
| TJX COS INC NEW | COMMON STOCK | 872540109 |  | 82388 | 570 | SH |  | OTR |  | 570 | 0 | 0 |
| TAIWAN SEMICONDUCTOR | FOREIGN STOCK | 874039100 |  | 226226 | 810 | SH |  | SOLE |  | 810 | 0 | 0 |
| TAIWAN SEMICONDUCTOR | FOREIGN STOCK | 874039100 |  | 137689 | 493 | SH |  | OTR |  | 493 | 0 | 0 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 870898 | 9709 | SH |  | SOLE |  | 9622 | 0 | 87 |
| TARGET CORP | COMMON STOCK | 87612E106 |  | 65930 | 735 | SH |  | OTR |  | 735 | 0 | 0 |
| TESLA INC | COMMON STOCK | 88160R101 |  | 224139 | 504 | SH |  | SOLE |  | 47 | 0 | 457 |
| TESLA INC | COMMON STOCK | 88160R101 |  | 71600 | 161 | SH |  | OTR |  | 161 | 0 | 0 |
| TEXAS INSTRUMENTS INC | COMMON STOCK | 882508104 |  | 1245505 | 6779 | SH |  | SOLE |  | 6543 | 0 | 236 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 473300 | 3050 | SH |  | SOLE |  | 2975 | 0 | 75 |
| 3M CO | COMMON STOCK | 88579Y101 |  | 55089 | 355 | SH |  | OTR |  | 355 | 0 | 0 |
| THE TRAVELERS COMPANIES INC | COMMON STOCK | 89417E109 |  | 215839 | 773 | SH |  | SOLE |  | 728 | 0 | 45 |
| UNION PACIFIC CORP | COMMON STOCK | 907818108 |  | 2128987 | 9007 | SH |  | SOLE |  | 7284 | 0 | 1723 |
| UNION PACIFIC CORP | COMMON STOCK | 907818108 |  | 218405 | 924 | SH |  | OTR |  | 924 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 219957 | 637 | SH |  | SOLE |  | 446 | 0 | 191 |
| UNITEDHEALTH GROUP INC | COMMON STOCK | 91324P102 |  | 31422 | 91 | SH |  | OTR |  | 91 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | MUTUAL FUNDS/FI | 921937835 |  | 3272947 | 44009 | SH |  | SOLE |  | 44009 | 0 | 0 |
| VANGUARD TOTAL BOND MARKET ETF | MUTUAL FUNDS/FI | 921937835 |  | 279259 | 3755 | SH |  | OTR |  | 3755 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS | MUTUAL FUNDS/EQ | 921943858 |  | 860930 | 14368 | SH |  | SOLE |  | 14368 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS | MUTUAL FUNDS/EQ | 921943858 |  | 18755 | 313 | SH |  | OTR |  | 313 | 0 | 0 |
| VANGUARD HIGH DIVIDEND YIELD | MUTUAL FUNDS/EQ | 921946406 |  | 375774 | 2666 | SH |  | SOLE |  | 2666 | 0 | 0 |
| VANGUARD EMERGING MARKETS STOCK | MUTUAL FUNDS/EQ | 922042858 |  | 459935 | 8489 | SH |  | SOLE |  | 8489 | 0 | 0 |
| VANGUARD EMERGING MARKETS STOCK | MUTUAL FUNDS/EQ | 922042858 |  | 31425 | 580 | SH |  | OTR |  | 580 | 0 | 0 |
| VANGUARD SHORT-TERM CORP BD IDX | MUTUAL FUNDS/FI | 92206C409 |  | 1269128 | 15878 | SH |  | SOLE |  | 15878 | 0 | 0 |
| VANGUARD SHORT-TERM CORP BD IDX | MUTUAL FUNDS/FI | 92206C409 |  | 77932 | 975 | SH |  | OTR |  | 975 | 0 | 0 |
| VANGUARD S 500 ETF (MKT) | MUTUAL FUNDS/EQ | 922908363 |  | 562778 | 919 | SH |  | SOLE |  | 919 | 0 | 0 |
| VANGUARD S 500 ETF (MKT) | MUTUAL FUNDS/EQ | 922908363 |  | 27557 | 45 | SH |  | OTR |  | 45 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | MUTUAL FUNDS/EQ | 922908553 |  | 192713 | 2108 | SH |  | SOLE |  | 2108 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | MUTUAL FUNDS/EQ | 922908553 |  | 22855 | 250 | SH |  | OTR |  | 250 | 0 | 0 |
| VANGUARD SMALL CAP VALUE ETF | MUTUAL FUNDS/EQ | 922908611 |  | 458954 | 2199 | SH |  | SOLE |  | 2199 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | MUTUAL FUNDS/EQ | 922908769 |  | 4156274 | 12665 | SH |  | SOLE |  | 12665 | 0 | 0 |
| VISA INC | COMMON STOCK | 92826C839 |  | 519238 | 1521 | SH |  | SOLE |  | 1154 | 0 | 367 |
| VISA INC | COMMON STOCK | 92826C839 |  | 269691 | 790 | SH |  | OTR |  | 790 | 0 | 0 |
| WALMART INC | COMMON STOCK | 931142103 |  | 3073457 | 29822 | SH |  | SOLE |  | 29471 | 0 | 351 |
| WALMART INC | COMMON STOCK | 931142103 |  | 97392 | 945 | SH |  | OTR |  | 945 | 0 | 0 |
| AON PLC SHS CL A | FOREIGN STOCK | G0403H108 |  | 287046 | 805 | SH |  | SOLE |  | 738 | 0 | 67 |
| LINDE PLC | FOREIGN STOCK | G54950103 |  | 70300 | 148 | SH |  | SOLE |  | 72 | 0 | 76 |
| LINDE PLC | FOREIGN STOCK | G54950103 |  | 136800 | 288 | SH |  | OTR |  | 288 | 0 | 0 |
| MEDTRONIC PLC | FOREIGN STOCK | G5960L103 |  | 192766 | 2024 | SH |  | SOLE |  | 1876 | 0 | 148 |
| MEDTRONIC PLC | FOREIGN STOCK | G5960L103 |  | 77144 | 810 | SH |  | OTR |  | 810 | 0 | 0 |

---