Tompkins Financial (TMP) 13F-HR Quarterly holdings report by institutional manager

The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	Oct 31, 2018
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hours per response:		23.8

COLUMN 1	COLUMN 2	COLUMN 3	COLUMN 4	COLUMN 5			COLUMN 6	COLUMN 7	COLUMN 8
			VALUE	SHRS OR	SH/	PUT/	INVESTMENT	OTHER	VOTING AUTHORITY
NAME OF ISSUER	TITLE OF CLASS	CUSIP	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
3M Co	COM	88579Y101	269,669	2,089	SH		DFND		0	0	2,089
3M Co	COM	88579Y101	306,331	2,373	SH		SOLE		2,373	0	0
ADVANCED MICRO DEV	COM	007903107	10,267	85	SH		DFND		0	0	85
ADVANCED MICRO DEV	COM	007903107	21,138	175	SH		SOLE		175	0	0
AGILENT TECHS INC	COM	00846U101	84,634	630	SH		DFND		325	0	305
ALBEMARLE CORP	COM	012653101	246,791	2,867	SH		DFND		0	0	2,867
ALBEMARLE CORP	COM	012653101	15,064	175	SH		SOLE		175	0	0
ALCON AG	ORD SHS	H01301128	18,676	220	SH		SOLE		220	0	0
ALPHABET INC	CAP STK CL A	02079K305	340,740	1,800	SH		DFND		100	0	1,700
ALPHABET INC	CAP STK CL A	02079K305	14,300,858	75,546	SH		SOLE		74,388	0	1,158
ALTRIA GROUP INC	COM	02209S103	227,566	4,352	SH		DFND		0	0	4,352
ALTRIA GROUP INC	COM	02209S103	410,424	7,849	SH		SOLE		7,849	0	0
AMER EXPRESS CO	COM	025816109	385,827	1,300	SH		DFND		0	0	1,300
AMER EXPRESS CO	COM	025816109	493,859	1,664	SH		SOLE		1,664	0	0
AMER INTL GRP	COM NEW	026874784	14,196	195	SH		DFND		0	0	195
AMER INTL GRP	COM NEW	026874784	158,267	2,174	SH		SOLE		2,174	0	0
ANALOG DEVICES INC	COM	032654105	3,824	18	SH		SOLE		18	0	0
APA Corp	COM	03743Q108	48,535	2,102	SH		DFND		0	0	2,102
APPLIED MATERIALS	COM	038222105	8,132	50	SH		SOLE		50	0	0
AT&T INC	COM	00206R102	533,615	23,435	SH		DFND		2,700	0	20,735
AT&T INC	COM	00206R102	356,669	15,664	SH		SOLE		15,664	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	1,886,938	6,446	SH		DFND		161	0	6,285
AUTOMATIC DATA PROCESSING	COM	053015103	1,318,456	4,504	SH		SOLE		4,504	0	0
AUTOZONE INC	COM	053332102	220,938	69	SH		DFND		0	0	69
AbbVie Inc	COM	00287Y109	4,750,987	26,736	SH		DFND		0	0	26,736
AbbVie Inc	COM	00287Y109	1,597,701	8,991	SH		SOLE		8,991	0	0
Abbott Laboratories	COM	002824100	2,541,355	22,468	SH		DFND		150	0	22,318
Abbott Laboratories	COM	002824100	9,246,403	81,747	SH		SOLE		80,965	0	782
Accenture PLC	SHS CLASS A	G1151C101	33,772	96	SH		DFND		20	0	76
Accenture PLC	SHS CLASS A	G1151C101	6,466,604	18,382	SH		SOLE		18,009	0	373
Adobe Inc	COM	00724F101	181,874	409	SH		DFND		9	0	400
Adobe Inc	COM	00724F101	5,956,044	13,394	SH		SOLE		13,178	0	216
Aflac Inc	COM	001055102	34,446	333	SH		SOLE		333	0	0
Air Products and Chemicals Inc	COM	009158106	599,223	2,066	SH		DFND		0	0	2,066
Air Products and Chemicals Inc	COM	009158106	50,757	175	SH		SOLE		175	0	0
Alcoa Corp	COM	013872106	75,560	2,000	SH		DFND		0	0	2,000
Allstate Corp/The	COM	020002101	8,483	44	SH		DFND		0	0	44
Allstate Corp/The	COM	020002101	2,506	13	SH		SOLE		13	0	0
Alphabet Inc	CAP STK CL C	02079K107	571	3	SH		DFND		0	0	3
Alphabet Inc	CAP STK CL C	02079K107	815,083	4,280	SH		SOLE		4,280	0	0
Amazon.com Inc	COM	023135106	436,367	1,989	SH		DFND		200	0	1,789
Amazon.com Inc	COM	023135106	16,471,801	75,080	SH		SOLE		73,621	0	1,459
American Airlines Group Inc	COM	02376R102	13,683	785	SH		DFND		0	0	785
American Electric Power Co Inc	COM	025537101	100,162	1,086	SH		DFND		0	0	1,086
American Electric Power Co Inc	COM	025537101	2,306	25	SH		SOLE		25	0	0
American Tower Corp	COM	03027X100	100,876	550	SH		DFND		550	0	0
American Tower Corp	COM	03027X100	2,384	13	SH		SOLE		13	0	0
American Water Works Co Inc	COM	030420103	99,841	802	SH		DFND		0	0	802
American Water Works Co Inc	COM	030420103	2,973,942	23,889	SH		SOLE		23,889	0	0
Ameriprise Financial Inc	COM	03076C106	84,656	159	SH		DFND		0	0	159
Amgen Inc	COM	031162100	23,718	91	SH		DFND		27	0	64
Amgen Inc	COM	031162100	12,719,493	48,801	SH		SOLE		48,381	0	420
Amphenol Corp	CL A	032095101	8,056	116	SH		SOLE		116	0	0
Annaly Capital Management Inc	COM NEW	035710839	9,150	500	SH		DFND		0	0	500
Apple Inc	COM	037833100	4,356,807	17,398	SH		DFND		4,858	0	12,540
Apple Inc	COM	037833100	47,619,116	190,157	SH		SOLE		187,339	0	2,818
ArcBest Corp	COM	03937C105	2,333	25	SH		DFND		0	0	25
Archer-Daniels-Midland Co	COM	039483102	18,894	374	SH		SOLE		374	0	0
Arthur J Gallagher & Co	COM	363576109	321,886	1,134	SH		DFND		43	0	1,091
Arthur J Gallagher & Co	COM	363576109	14,185,404	49,975	SH		SOLE		49,551	0	424
Ashland Inc	COM	044186104	245,965	3,442	SH		DFND		0	0	3,442
Astec Industries Inc	COM	046224101	33,600	1,000	SH		DFND		1,000	0	0
AstraZeneca PLC	SPONSORED ADR	046353108	163,800	2,500	SH		DFND		0	0	2,500
Atmos Energy Corp	COM	049560105	104,453	750	SH		DFND		0	0	750
Autoliv Inc	COM	052800109	563	6	SH		DFND		0	0	6
Azenta Inc	COM	114340102	30,000	600	SH		DFND		600	0	0
BCE Inc	COM NEW	05534B760	27,468	1,185	SH		SOLE		1,185	0	0
BECTON DICKINSON	COM	075887109	113,435	500	SH		DFND		0	0	500
BECTON DICKINSON	COM	075887109	34,031	150	SH		SOLE		150	0	0
BK OF AMERICA CORP	COM	060505104	259,832	5,912	SH		DFND		0	0	5,912
BK OF AMERICA CORP	COM	060505104	44,477	1,012	SH		SOLE		1,012	0	0
BK OF MONTREAL	COM	063671101	97,050	1,000	SH		DFND		0	0	1,000
BK OF NOVA SCOTIA	COM	064149107	69,836	1,300	SH		DFND		0	0	1,300
BK OF NY MELLON CP	COM	064058100	229,722	2,990	SH		DFND		0	0	2,990
BK OF NY MELLON CP	COM	064058100	17,210	224	SH		SOLE		224	0	0
BOEING CO	COM	097023105	86,376	488	SH		DFND		0	0	488
BOEING CO	COM	097023105	17,700	100	SH		SOLE		100	0	0
BP PLC	SPONSORED ADR	055622104	8,513	288	SH		DFND		0	0	288
BP PLC	SPONSORED ADR	055622104	93,646	3,168	SH		SOLE		3,168	0	0
BRIGHTHOUSE FINANCIAL INC.	COM	10922N103	721	15	SH		SOLE		15	0	0
BRISTOL-MYRS SQUIB	COM	110122108	80,881	1,430	SH		DFND		200	0	1,230
BRISTOL-MYRS SQUIB	COM	110122108	423,974	7,496	SH		SOLE		7,496	0	0
BRITISH AMERICAN TOBACCO PLC	SPONSORED ADR	110448107	3,632	100	SH		DFND		0	0	100
BXP Inc	COM	101121101	3,718	50	SH		SOLE		50	0	0
Bar Harbor Bankshares	COM	066849100	50,457	1,650	SH		DFND		0	0	1,650
Beam Global	COM	07373B109	16	5	SH		DFND		0	0	5
Berkshire Hathaway Inc	CL B NEW	084670702	16,771	37	SH		DFND		30	0	7
Berkshire Hathaway Inc	CL B NEW	084670702	10,046,045	22,163	SH		SOLE		21,821	0	342
Beyond Meat Inc	COM	08862E109	320	85	SH		DFND		0	0	85
Biogen Inc	COM	09062X103	12,387	81	SH		SOLE		81	0	0
Black Hills Corp	COM	092113109	23,408	400	SH		DFND		400	0	0
BlackRock ETF Trust	US EQT FACTOR	09290C103	56,631	1,105	SH		SOLE		1,105	0	0
BlackRock Fund Advisors	FLEXIBLE INCOME	092528603	11,652	224	SH		SOLE		224	0	0
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	666,252	5,180	SH		DFND		0	0	5,180
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	407,368	4,204	SH		DFND		0	0	4,204
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	19,768	204	SH		SOLE		204	0	0
BlackRock Fund Advisors	20 YR TR BD ETF	464287432	7,423	85	SH		SOLE		85	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	110,013	1,455	SH		DFND		855	0	600
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	1,023,533	13,537	SH		SOLE		13,537	0	0
BlackRock Fund Advisors	RUS MD CP GR ETF	464287481	130,172	1,027	SH		SOLE		1,027	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	612,170	6,925	SH		SOLE		6,925	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	1,736,517	27,869	SH		DFND		550	0	27,319
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	19,415,734	311,599	SH		SOLE		307,024	0	4,575
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	187,770	2,065	SH		DFND		0	0	2,065
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	253,967	2,793	SH		SOLE		2,793	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	93,749	291	SH		SOLE		291	0	0
BlackRock Fund Advisors	RUS 2000 GRW ETF	464287648	930,810	3,234	SH		DFND		125	0	3,109
BlackRock Fund Advisors	RUS 2000 GRW ETF	464287648	2,005,818	6,969	SH		SOLE		6,094	0	875
BlackRock Fund Advisors	CORE S&P US VLU	464287663	452,117	4,883	SH		SOLE		4,883	0	0
BlackRock Fund Advisors	RUSSELL 3000 ETF	464287689	170,468	510	SH		SOLE		510	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	10,996	88	SH		SOLE		88	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	105,311	914	SH		DFND		0	0	914
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	936,047	8,124	SH		SOLE		8,124	0	0
BlackRock Fund Advisors	DOW JONES US ETF	464287846	46,075	322	SH		SOLE		322	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	2,842,897	26,952	SH		SOLE		26,952	0	0
BlackRock Fund Advisors	EAFE SML CP ETF	464288273	15,856	261	SH		SOLE		261	0	0
BlackRock Fund Advisors	JPMORGAN USD EMG	464288281	3,294	37	SH		SOLE		37	0	0
BlackRock Fund Advisors	MBS ETF	464288588	19,344	211	SH		SOLE		211	0	0
BlackRock Fund Advisors	MRGSTR SM CP GR	464288604	96,150	1,944	SH		DFND		0	0	1,944
BlackRock Fund Advisors	3 7 YR TREAS BD	464288661	18,141	157	SH		DFND		0	0	157
BlackRock Fund Advisors	MSCI USA ESG SLC	464288802	12,058,567	99,174	SH		SOLE		99,174	0	0
BlackRock Fund Advisors	EAFE GRWTH ETF	464288885	33,406	345	SH		SOLE		345	0	0
BlackRock Fund Advisors	RUS TOP 200 ETF	464289446	518,641	3,584	SH		DFND		2,187	0	1,397
BlackRock Fund Advisors	RUS TOP 200 ETF	464289446	144,392,072	997,803	SH		SOLE		997,675	0	128
BlackRock Fund Advisors	US TREAS BD ETF	46429B267	575	25	SH		DFND		0	0	25
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	44,839	505	SH		DFND		54	0	451
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	4,760,298	53,613	SH		SOLE		53,613	0	0
BlackRock Fund Advisors	0-5 YR TIPS ETF	46429B747	13,179	131	SH		SOLE		131	0	0
BlackRock Fund Advisors	MSCI USA QLT FCT	46432F339	56,808	319	SH		SOLE		319	0	0
BlackRock Fund Advisors	MSCI USA VALUE	46432F388	13,518	128	SH		SOLE		128	0	0
BlackRock Fund Advisors	CORE MSCI TOTAL	46432F834	37,898	573	SH		SOLE		573	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	308,202	5,902	SH		DFND		457	0	5,445
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	305,121	5,843	SH		SOLE		5,843	0	0
BlackRock Fund Advisors	MSCI EMRG CHN	46434G764	9,482	171	SH		SOLE		171	0	0
BlackRock Fund Advisors	CORE TOTAL USD	46434V613	78,422	1,735	SH		SOLE		1,735	0	0
BlackRock Fund Advisors	CORE MSCI INTL	46435G326	1,870	29	SH		DFND		0	0	29
BlackRock Fund Advisors	FALN ANGLS USD	46435G474	25,375	950	SH		SOLE		950	0	0
BlackRock Fund Advisors	US INFRASTRUC	46435U713	3,425	74	SH		SOLE		74	0	0
BlackRock Funds/Closed-End/USA	COM	09255C106	140,903	13,627	SH		DFND		0	0	13,627
Blackstone Inc	COM	09260D107	258,630	1,500	SH		SOLE		1,500	0	0
Block Inc	CL A	852234103	1,275	15	SH		DFND		0	0	15
Booking Holdings Inc	COM	09857L108	337,853	68	SH		SOLE		68	0	0
Broadcom Inc	COM	11135F101	162,288	700	SH		DFND		700	0	0
Broadcom Inc	COM	11135F101	69,552	300	SH		SOLE		300	0	0
Broadstone Net Lease Inc	COM	11135E203	1,842,789	116,191	SH		SOLE		116,191	0	0
CARRIER GLOBAL CORP	COM	14448C104	16,041	235	SH		DFND		0	0	235
CARRIER GLOBAL CORP	COM	14448C104	26,212	384	SH		SOLE		384	0	0
CDN NATL RAILWAYS	COM	136375102	20,302	200	SH		SOLE		200	0	0
CDW Corp/DE	COM	12514G108	87,020	500	SH		DFND		0	0	500
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	EMRG MKTEQ ETF	808524706	48,254	1,812	SH		SOLE		1,812	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	12,950	474	SH		SOLE		474	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US TIPS ETF	808524870	6,974	270	SH		DFND		0	0	270
CHUBB LIMITED COM	COM	H1467J104	52,221	189	SH		SOLE		189	0	0
CIBC	COM	136069101	126,460	2,000	SH		DFND		0	0	2,000
CISCO SYSTEMS	COM	17275R102	1,010,840	17,075	SH		DFND		3,236	0	13,839
CISCO SYSTEMS	COM	17275R102	14,475,347	244,516	SH		SOLE		242,381	0	2,135
CME Group Inc	COM	12572Q105	116,115	500	SH		DFND		0	0	500
CME Group Inc	COM	12572Q105	23,223	100	SH		SOLE		100	0	0
COGNIZANT TECHNOLO	CL A	192446102	9,997	130	SH		DFND		0	0	130
COGNIZANT TECHNOLO	CL A	192446102	206,784	2,689	SH		SOLE		2,689	0	0
COLGATE-PALMOLIVE	COM	194162103	427,277	4,700	SH		SOLE		4,700	0	0
CONAGRA FOODS INC	COM	205887102	66,600	2,400	SH		DFND		0	0	2,400
CONAGRA FOODS INC	COM	205887102	176,018	6,343	SH		SOLE		6,343	0	0
CONOCOPHILLIPS	COM	20825C104	204,389	2,061	SH		DFND		0	0	2,061
CONOCOPHILLIPS	COM	20825C104	191,497	1,931	SH		SOLE		1,931	0	0
CORNING INC	COM	219350105	613,768	12,916	SH		DFND		2,200	0	10,716
CORNING INC	COM	219350105	579,269	12,190	SH		SOLE		12,190	0	0
CRANE HOLDINGS CO	COM	224441105	5,240	90	SH		DFND		0	0	90
CSX CORP	COM	126408103	138,761	4,300	SH		SOLE		4,300	0	0
CVS Health Corp	COM	126650100	166,093	3,700	SH		DFND		0	0	3,700
CVS Health Corp	COM	126650100	28,640	638	SH		SOLE		638	0	0
Cantaloupe Inc	COM	138103106	8,607	905	SH		DFND		0	0	905
Capital One Financial Corp	COM	14040H105	162,450	911	SH		DFND		0	0	911
CarMax Inc	COM	143130102	81,760	1,000	SH		DFND		0	0	1,000
Cardinal Health Inc	COM	14149Y108	14,192	120	SH		SOLE		120	0	0
Carpenter Technology Corp	COM	144285103	1,256,872	7,406	SH		SOLE		7,406	0	0
Casella Waste Systems Inc	CL A	147448104	2,822,693	26,677	SH		SOLE		26,677	0	0
Caterpillar Inc	COM	149123101	563,729	1,554	SH		DFND		304	0	1,250
Caterpillar Inc	COM	149123101	168,683	465	SH		SOLE		465	0	0
Cenovus Energy Inc	COM	15135U109	22,301	1,472	SH		DFND		0	0	1,472
ChargePoint Holdings Inc	COM CL A	15961R105	118	110	SH		DFND		0	0	110
Charles Schwab Corp/The	COM	808513105	277,760	3,753	SH		SOLE		3,753	0	0
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	885,164	38,994	SH		DFND		0	0	38,994
Charles Schwab Investment Management Inc	US BRD MKT ETF	808524102	89,211	3,930	SH		SOLE		3,930	0	0
Charles Schwab Investment Management Inc	US LRG CAP ETF	808524201	5,494	237	SH		SOLE		237	0	0
Charles Schwab Investment Management Inc	US SML CAP ETF	808524607	1,345	52	SH		SOLE		52	0	0
Charles Schwab Investment Management Inc	INTL EQTY ETF	808524805	1,702	92	SH		SOLE		92	0	0
Charles Schwab Investment Management Inc	US AGGREGATE B	808524839	1,090	48	SH		SOLE		48	0	0
Chemed Corp	COM	16359R103	92,185	174	SH		SOLE		174	0	0
Chemours Co/The	COM	163851108	4,124	244	SH		DFND		0	0	244
Chemours Co/The	COM	163851108	338	20	SH		SOLE		20	0	0
Chevron Corp	COM	166764100	2,101,339	14,508	SH		DFND		0	0	14,508
Chevron Corp	COM	166764100	862,377	5,954	SH		SOLE		5,954	0	0
Chewy Inc	CL A	16679L109	392,938	11,733	SH		DFND		0	0	11,733
Chipotle Mexican Grill Inc	COM	169656105	9,045	150	SH		SOLE		150	0	0
Church & Dwight Co Inc	COM	171340102	128,165	1,224	SH		SOLE		1,224	0	0
Churchill Downs Inc	COM	171484108	1,335	10	SH		DFND		0	0	10
Cigna Group/The	COM	125523100	20,158	73	SH		DFND		0	0	73
Citigroup Inc	COM NEW	172967424	15,979	227	SH		DFND		0	0	227
Clorox Co/The	COM	189054109	700,474	4,313	SH		DFND		174	0	4,139
Clorox Co/The	COM	189054109	23,225	143	SH		SOLE		143	0	0
Coca-Cola Co/The	COM	191216100	1,087,122	17,461	SH		DFND		0	0	17,461
Coca-Cola Co/The	COM	191216100	737,968	11,853	SH		SOLE		11,853	0	0
Comcast Corp	CL A	20030N101	51,491	1,372	SH		DFND		0	0	1,372
Comcast Corp	CL A	20030N101	96,377	2,568	SH		SOLE		2,568	0	0
Commerce Bancshares Inc/MO	COM	200525103	2,028	33	SH		SOLE		33	0	0
Consolidated Edison Inc	COM	209115104	114,482	1,283	SH		DFND		0	0	1,283
Constellation Brands Inc	CL A	21036P108	821,015	3,715	SH		SOLE		3,715	0	0
Constellation Energy Corp	COM	21037T109	41,610	186	SH		DFND		0	0	186
Constellation Energy Corp	COM	21037T109	18,121	81	SH		SOLE		81	0	0
Constellium SE	CL A SHS	F21107101	2,054	200	SH		DFND		0	0	200
Corteva Inc	COM	22052L104	1,196	21	SH		DFND		0	0	21
Corteva Inc	COM	22052L104	2,392	42	SH		SOLE		42	0	0
Costco Wholesale Corp	COM	22160K105	886,949	968	SH		DFND		454	0	514
Costco Wholesale Corp	COM	22160K105	12,725,158	13,888	SH		SOLE		13,528	0	360
Cracker Barrel Old Country Sto	COM	22410J106	5,180	98	SH		SOLE		98	0	0
Crane Co	COMMON STOCK	224408104	13,658	90	SH		DFND		0	0	90
Crown Castle Inc	COM	22822V101	188,418	2,076	SH		DFND		0	0	2,076
DEERE & CO	COM	244199105	828,757	1,956	SH		DFND		0	0	1,956
DIAGEO	SPON ADR NEW	25243Q205	63,565	500	SH		SOLE		500	0	0
DOMINION RES(VIR)	COM	25746U109	170,736	3,170	SH		DFND		950	0	2,220
DOMINION RES(VIR)	COM	25746U109	64,632	1,200	SH		SOLE		1,200	0	0
DUKE ENERGY CORP	COM NEW	26441C204	295,639	2,744	SH		DFND		72	0	2,672
DUKE ENERGY CORP	COM NEW	26441C204	9,020,101	83,721	SH		SOLE		83,263	0	458
DXC Technology Co	COM	23355L106	3,936	197	SH		SOLE		197	0	0
Dana Inc	COM	235825205	1,156	100	SH		DFND		100	0	0
Danaher Corp	COM	235851102	26,169	114	SH		DFND		22	0	92
Danaher Corp	COM	235851102	7,957,580	34,666	SH		SOLE		34,295	0	371
Darden Restaurants Inc	COM	237194105	19,416	104	SH		DFND		0	0	104
Darden Restaurants Inc	COM	237194105	38,085	204	SH		SOLE		204	0	0
Dell Technologies Inc	CL C	24703L202	9,104	79	SH		SOLE		79	0	0
Delta Air Lines Inc	COM NEW	247361702	83,430	1,379	SH		DFND		0	0	1,379
Dick's Sporting Goods Inc	COM	253393102	320,376	1,400	SH		DFND		0	0	1,400
Dimensional ETF Trust	INTL SMALL CAP E	25434V773	417	17	SH		DFND		0	0	17
Dollar General Corp	COM	256677105	151,640	2,000	SH		DFND		0	0	2,000
Douglas Dynamics Inc	COM	25960R105	47,260	2,000	SH		DFND		0	0	2,000
Dover Corp	COM	260003108	14,070	75	SH		SOLE		75	0	0
Dow Inc	COM	260557103	94,145	2,346	SH		DFND		0	0	2,346
Dow Inc	COM	260557103	13,724	342	SH		SOLE		342	0	0
DuPont de Nemours Inc	COM	26614N102	7,320	96	SH		DFND		0	0	96
DuPont de Nemours Inc	COM	26614N102	3,203	42	SH		SOLE		42	0	0
ECOLAB INC	COM	278865100	233,617	997	SH		SOLE		997	0	0
EMERSON ELECTRIC	COM	291011104	836,156	6,747	SH		DFND		1,700	0	5,047
EMERSON ELECTRIC	COM	291011104	1,851,514	14,940	SH		SOLE		14,940	0	0
EOG Resources Inc	COM	26875P101	137,903	1,125	SH		DFND		0	0	1,125
EOG Resources Inc	COM	26875P101	17,039	139	SH		SOLE		139	0	0
EXCHANGE TRADED CONCEPTS LLC	ROBO GLB ETF	301505707	563	10	SH		DFND		0	0	10
EXELON CORP	COM	30161N101	126,019	3,348	SH		DFND		0	0	3,348
EXELON CORP	COM	30161N101	10,690	284	SH		SOLE		284	0	0
Eaton Corp PLC	SHS	G29183103	1,005,898	3,031	SH		DFND		0	0	3,031
Elevance Health Inc	COM	036752103	21,765	59	SH		SOLE		59	0	0
Eli Lilly & Co	COM	532457108	1,275,344	1,652	SH		DFND		30	0	1,622
Eli Lilly & Co	COM	532457108	24,409,096	31,618	SH		SOLE		31,358	0	260
Encompass Health Corp	COM	29261A100	46,175	500	SH		DFND		500	0	0
Energy Transfer LP	COM UT LTD PTN	29273V100	244,875	12,500	SH		DFND		0	0	12,500
Entergy Corp	COM	29364G103	181,968	2,400	SH		DFND		0	0	2,400
Essential Utilities Inc	COM	29670G102	10,896	300	SH		DFND		200	0	100
Essential Utilities Inc	COM	29670G102	50,303	1,385	SH		SOLE		1,385	0	0
Etsy Inc	COM	29786A106	26,445	500	SH		DFND		0	0	500
Eversource Energy	COM	30040W108	4,307	75	SH		DFND		0	0	75
Extra Space Storage Inc	COM	30225T102	97,240	650	SH		DFND		0	0	650
Exxon Mobil Corp	COM	30231G102	2,000,049	18,593	SH		DFND		2,440	0	16,153
Exxon Mobil Corp	COM	30231G102	16,159,918	150,227	SH		SOLE		149,856	0	371
FEDEX CORP	COM	31428X106	141,509	503	SH		DFND		0	0	503
FEDEX CORP	COM	31428X106	117,877	419	SH		SOLE		419	0	0
FISERV INC	COM	337738108	7,190	35	SH		SOLE		35	0	0
FMC Corp	COM NEW	302491303	826	17	SH		SOLE		17	0	0
FORD MOTOR CO	COM	345370860	62,548	6,318	SH		DFND		800	0	5,518
FORD MOTOR CO	COM	345370860	71,943	7,267	SH		SOLE		7,267	0	0
FRANCO-NEVADA CORP	COM	351858105	7,643	65	SH		DFND		0	0	65
FREEPORT-MCMOR C&G	CL B	35671D857	22,505	591	SH		SOLE		591	0	0
Fastenal Co	COM	311900104	143,820	2,000	SH		DFND		0	0	2,000
Fidelity Covington Trust	ENHANCED LARGE	316092113	32,074	974	SH		SOLE		974	0	0
Fidelity National Information	COM	31620M106	80,770	1,000	SH		DFND		0	0	1,000
Financial Institutions Inc	COM	317585404	82,416	3,020	SH		SOLE		3,020	0	0
First Financial Bancorp	COM	320209109	29,864	1,111	SH		SOLE		1,111	0	0
FirstEnergy Corp	COM	337932107	5,967	150	SH		DFND		0	0	150
FirstEnergy Corp	COM	337932107	2,586	65	SH		SOLE		65	0	0
Flowserve Corp	COM	34354P105	34,512	600	SH		DFND		600	0	0
Fortrea Holdings Inc	COMMON STOCK	34965K107	18,650	1,000	SH		DFND		0	0	1,000
Four Corners Property Trust In	COM	35086T109	2,714	100	SH		DFND		0	0	100
Franklin Resources Inc	COM	354613101	40,580	2,000	SH		DFND		0	0	2,000
Fulton Financial Corp	COM	360271100	87,763	4,552	SH		SOLE		4,552	0	0
GARRETT MOTION INC	COM	366505105	27	3	SH		SOLE		3	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	91,783	1,174	SH		DFND		200	0	974
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	46,204	591	SH		SOLE		591	0	0
GE Vernova Inc	COM	36828A101	226,962	690	SH		DFND		0	0	690
GE Vernova Inc	COM	36828A101	151,637	461	SH		SOLE		461	0	0
GEN DYNAMICS CORP	COM	369550108	12,384	47	SH		DFND		42	0	5
GEN DYNAMICS CORP	COM	369550108	7,089,989	26,908	SH		SOLE		26,789	0	119
GENERAL MILLS INC	COM	370334104	258,970	4,061	SH		DFND		0	0	4,061
GENERAL MILLS INC	COM	370334104	97,823	1,534	SH		SOLE		1,534	0	0
GOLDMAN SACHS GRP	COM	38141G104	286,310	500	SH		DFND		0	0	500
GOLDMAN SACHS GRP	COM	38141G104	372,203	650	SH		SOLE		650	0	0
GORMAN-RUPP CO/THE	COM	383082104	45,504	1,200	SH		DFND		1,200	0	0
GSK PLC	SPONSORED ADR	37733W204	3,382	100	SH		DFND		100	0	0
Generac Holdings Inc	COM	368736104	3,876	25	SH		DFND		25	0	0
General Electric Co	COM NEW	369604301	468,013	2,806	SH		DFND		0	0	2,806
General Electric Co	COM NEW	369604301	326,908	1,960	SH		SOLE		1,960	0	0
General Motors Co	COM	37045V100	111,867	2,100	SH		DFND		0	0	2,100
Genuine Parts Co	COM	372460105	150,387	1,288	SH		DFND		288	0	1,000
Genuine Parts Co	COM	372460105	9,341	80	SH		SOLE		80	0	0
Gilead Sciences Inc	COM	375558103	172,917	1,872	SH		SOLE		1,872	0	0
Global X Management Co LLC	S&P 500 CATHOLIC	37954Y889	268,696	3,793	SH		SOLE		3,793	0	0
Goldman Sachs Asset Management LP	ACTIVEBETA INT	381430107	8,035	241	SH		DFND		0	0	241
Goldman Sachs Asset Management LP	ACTIVEBETA INT	381430107	76,882	2,306	SH		SOLE		2,306	0	0
Goldman Sachs Asset Management LP	ACTIVEBETA US LG	381430503	186,937	1,623	SH		SOLE		1,623	0	0
Grayscale Investments LLC/USA	SHS REP COM UT	389637109	84,457	1,141	SH		DFND		0	0	1,141
HALLIBURTON	COM	406216101	6,199	228	SH		DFND		0	0	228
HANESBRANDS INC	COM	410345102	5,942	730	SH		DFND		0	0	730
HERSHEY CO (THE)	COM	427866108	135,819	802	SH		DFND		0	0	802
HERSHEY CO (THE)	COM	427866108	370,707	2,189	SH		SOLE		2,189	0	0
HP Inc	COM	40434L105	19,415	595	SH		DFND		0	0	595
HP Inc	COM	40434L105	75,049	2,300	SH		SOLE		2,300	0	0
Haleon PLC	SPON ADS	405552100	12,402	1,300	SH		SOLE		1,300	0	0
Hartford Financial Services Gr	COM	416515104	333,451	3,048	SH		DFND		0	0	3,048
Hartford Funds Exchange-Traded	TOTAL RTRN ETF	41653L305	95,357	2,861	SH		SOLE		2,861	0	0
Healthpeak Properties Inc	COM	42250P103	101,350	5,000	SH		DFND		0	0	5,000
Helmerich & Payne Inc	COM	423452101	5,732	179	SH		DFND		0	0	179
Hess Midstream LP	CL A SHS	428103105	74,060	2,000	SH		DFND		0	0	2,000
Hewlett Packard Enterprise Co	COM	42824C109	12,340	578	SH		DFND		0	0	578
Hewlett Packard Enterprise Co	COM	42824C109	49,105	2,300	SH		SOLE		2,300	0	0
Hillenbrand Inc	COM	431571108	53,865	1,750	SH		SOLE		1,750	0	0
Home Depot Inc/The	COM	437076102	794,318	2,042	SH		DFND		53	0	1,989
Home Depot Inc/The	COM	437076102	12,650,733	32,522	SH		SOLE		32,285	0	237
Honeywell International Inc	COM	438516106	393,952	1,744	SH		DFND		243	0	1,501
Honeywell International Inc	COM	438516106	11,225,604	49,695	SH		SOLE		49,225	0	470
Howmet Aerospace Inc	COM	443201108	393,732	3,600	SH		DFND		0	0	3,600
Huntington Ingalls Industries	COM	446413106	141,728	750	SH		DFND		0	0	750
IDACORP Inc	COM	451107106	5,464	50	SH		DFND		50	0	0
ILLINOIS TOOL WKS	COM	452308109	434,095	1,712	SH		DFND		262	0	1,450
ILLINOIS TOOL WKS	COM	452308109	1,895,615	7,476	SH		SOLE		7,476	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	9,984	67	SH		DFND		52	0	15
INTERCONTINENTAL EXCHANGE	COM	45866F104	4,965,609	33,324	SH		SOLE		32,694	0	630
INTL BUSINESS MCHN	COM	459200101	1,237,203	5,628	SH		DFND		300	0	5,328
INTL BUSINESS MCHN	COM	459200101	760,172	3,458	SH		SOLE		3,458	0	0
ISHARES	S&P 100 ETF	464287101	363,373	1,258	SH		SOLE		1,258	0	0
ISHARES	SELECT DIVID ETF	464287168	659,076	5,020	SH		DFND		0	0	5,020
ISHARES	SELECT DIVID ETF	464287168	634,131	4,830	SH		SOLE		4,830	0	0
ISHARES	CORE S&P500 ETF	464287200	1,632,410	2,773	SH		DFND		0	0	2,773
ISHARES	CORE S&P500 ETF	464287200	425,616	723	SH		SOLE		723	0	0
ISHARES	IBOXX INV CP ETF	464287242	2,357,531	22,066	SH		SOLE		22,066	0	0
ISHARES	S&P 500 GRWT ETF	464287309	1,259,378	12,404	SH		SOLE		12,404	0	0
ISHARES	S&P 500 VAL ETF	464287408	153,468	804	SH		SOLE		804	0	0
ISHARES	RUS 2000 VAL ETF	464287630	28,730	175	SH		SOLE		175	0	0
ISHARES	RUSSELL 2000 ETF	464287655	676,800	3,063	SH		DFND		71	0	2,992
ISHARES	RUSSELL 2000 ETF	464287655	207,260	938	SH		SOLE		938	0	0
ISHARES	U.S. TECH ETF	464287721	24,247	152	SH		SOLE		152	0	0
ISHARES	SP SMCP600VL ETF	464287879	1,308,316	12,046	SH		SOLE		12,046	0	0
ISHARES	EAFE VALUE ETF	464288877	420	8	SH		DFND		0	0	8
ISHARES	EAFE VALUE ETF	464288877	33,843	645	SH		SOLE		645	0	0
ISHARES	ISHARES	46428Q109	65,825	2,500	SH		DFND		0	0	2,500
ISHARES	ISHARES	46428Q109	116,695	4,432	SH		SOLE		4,432	0	0
ISHARES	CORE MSCI EAFE	46432F842	1,070,364	15,230	SH		DFND		1,222	0	14,008
ISHARES	CORE MSCI EAFE	46432F842	251,743	3,582	SH		SOLE		3,582	0	0
ISHARES GOLD TRUST	ISHARES NEW	464285204	51,886	1,048	SH		SOLE		1,048	0	0
ISHARES TR	MSCI EAFE MIN VL	46429B689	774,840	10,958	SH		SOLE		10,958	0	0
ISHARES TRUST	TIPS BD ETF	464287176	13,638	128	SH		DFND		0	0	128
ISHARES TRUST	1 3 YR TREAS BD	464287457	20,577	251	SH		DFND		251	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	8,223,168	100,307	SH		SOLE		100,307	0	0
ISHARES TRUST	RUS 1000 VAL ETF	464287598	85,530	462	SH		DFND		462	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	5,584	71	SH		SOLE		71	0	0
ISHARES TRUST	CORE HIGH DV ETF	46429B663	50,517	450	SH		SOLE		450	0	0
ISHARES/USA	RUS 1000 GRW ETF	464287614	415,234	1,034	SH		DFND		434	0	600
ITRON INC	COM	465741106	38,003	350	SH		DFND		300	0	50
ITT Inc	COM	45073V108	1,429	10	SH		DFND		0	0	10
Intel Corp	COM	458140100	154,365	7,699	SH		DFND		749	0	6,950
Intel Corp	COM	458140100	157,132	7,837	SH		SOLE		7,837	0	0
International Paper Co	COM	460146103	107,640	2,000	SH		DFND		0	0	2,000
International Paper Co	COM	460146103	69,966	1,300	SH		SOLE		1,300	0	0
Intuit Inc	COM	461202103	15,084	24	SH		SOLE		24	0	0
Intuitive Machines Inc	CLASS A COM	46125A100	1,816	100	SH		DFND		0	0	100
Intuitive Surgical Inc	COM NEW	46120E602	17,747	34	SH		DFND		25	0	9
Intuitive Surgical Inc	COM NEW	46120E602	8,748,050	16,760	SH		SOLE		16,518	0	242
Invesco Capital Management LLC	UNIT SER 1	46090E103	1,389,012	2,717	SH		DFND		0	0	2,717
Invesco Capital Management LLC	UNIT SER 1	46090E103	289,356	566	SH		SOLE		566	0	0
Invesco Capital Management LLC	WILDERHIL CLAN	46137V134	4,002	200	SH		DFND		0	0	200
Invesco Capital Management LLC	S&P500 LOW VOL	46138E354	1,693,090	24,187	SH		SOLE		24,187	0	0
Invesco Capital Management LLC	PFD ETF	46138E511	20,327	1,763	SH		DFND		0	0	1,763
Invesco Capital Management LLC	PFD ETF	46138E511	13,824	1,199	SH		SOLE		1,199	0	0
Invesco Capital Management LLC	S&P SMALLCAP 600	46138G664	4,118	90	SH		DFND		0	0	90
Invesco Capital Management LLC	S&P SMALLCAP 600	46138G664	41,596	909	SH		SOLE		909	0	0
Invesco Capital Management LLC	S&P 500 REVENUE	46138G698	71,482	730	SH		DFND		70	0	660
Invesco Capital Management LLC	S&P 500 REVENUE	46138G698	3,991,023	40,758	SH		SOLE		40,758	0	0
JAZZ PHARMA PLC	SHS USD	G50871105	6,158	50	SH		DFND		50	0	0
JP Morgan ETFs/USA	EQUITY PREMIUM	46641Q332	350,243	6,088	SH		SOLE		6,088	0	0
JP Morgan ETFs/USA	NASDAQ EQT PREM	46654Q203	243,054	4,311	SH		SOLE		4,311	0	0
JPMorgan Chase & Co	COM	46625H100	905,624	3,778	SH		DFND		91	0	3,687
JPMorgan Chase & Co	COM	46625H100	17,449,450	72,794	SH		SOLE		72,145	0	649
Johnson & Johnson	COM	478160104	1,805,436	12,484	SH		DFND		328	0	12,156
Johnson & Johnson	COM	478160104	3,599,592	24,890	SH		SOLE		24,890	0	0
Johnson Controls International	SHS	G51502105	16,891	214	SH		DFND		0	0	214
Johnson Controls International	SHS	G51502105	2,841	36	SH		SOLE		36	0	0
KIMBERLY-CLARK CP	COM	494368103	314,627	2,401	SH		DFND		0	0	2,401
KIMBERLY-CLARK CP	COM	494368103	7,094,637	54,141	SH		SOLE		53,752	0	389
KIMCO REALTY	COM	49446R109	21,087	900	SH		DFND		0	0	900
KNIFE RIV HOL CO.	COMMON STOCK	498894104	53,361	525	SH		DFND		525	0	0
KONTOOR BRANDS INC COM NPV WI	COM	50050N103	97,538	1,142	SH		SOLE		1,142	0	0
Kellanova	COM	487836108	3,887	48	SH		DFND		0	0	48
Kellanova	COM	487836108	105,261	1,300	SH		SOLE		1,300	0	0
Kenvue Inc	COM	49177J102	854	40	SH		DFND		0	0	40
Kinder Morgan Inc	COM	49456B101	54,800	2,000	SH		DFND		0	0	2,000
Kraft Heinz Co/The	COM	500754106	24,261	790	SH		DFND		0	0	790
Kraft Heinz Co/The	COM	500754106	42,503	1,384	SH		SOLE		1,384	0	0
KraneShares Trust	QUADRTC INT RT	500767736	20,046	1,130	SH		DFND		0	0	1,130
Kronos I UK Ltd	SPONSORED ADS	042068205	7,402	60	SH		SOLE		60	0	0
Kyndryl Holdings Inc	COMMON STOCK	50155Q100	22,871	661	SH		DFND		0	0	661
L3Harris Technologies Inc	COM	502431109	90,420	430	SH		DFND		0	0	430
L3Harris Technologies Inc	COM	502431109	59,089	281	SH		SOLE		281	0	0
LEAP THERAPEUTICS INC	COM NEW	52187K200	345	120	SH		DFND		0	0	120
LOWE'S COS INC	COM	548661107	232,732	943	SH		DFND		248	0	695
LOWE'S COS INC	COM	548661107	784,577	3,179	SH		SOLE		3,179	0	0
LULULEMON ATHLETIC	COM	550021109	53,537	140	SH		DFND		0	0	140
Labcorp Holdings Inc	COM SHS	504922105	229,320	1,000	SH		DFND		0	0	1,000
Lamb Weston Holdings Inc	COM	513272104	17,777	266	SH		DFND		0	0	266
Lamb Weston Holdings Inc	COM	513272104	133,660	2,000	SH		SOLE		2,000	0	0
Linde PLC	SHS	G54950103	119,740	286	SH		DFND		0	0	286
Linde PLC	SHS	G54950103	48,566	116	SH		SOLE		116	0	0
Lindsay Corp	COM	535555106	70,986	600	SH		DFND		600	0	0
Lockheed Martin Corp	COM	539830109	22,353	46	SH		DFND		0	0	46
Lockheed Martin Corp	COM	539830109	52,482	108	SH		SOLE		108	0	0
Loews Corp	COM	126117100	29,022	600	SH		DFND		0	0	600
Logility Supply Chain Solution	CL A	029683109	13,296	1,200	SH		DFND		1,200	0	0
Lumentum Holdings Inc	COM	55024U109	8,395	100	SH		DFND		0	0	100
M&T Bank Corp	COM	55261F104	3,384	18	SH		DFND		0	0	18
M&T Bank Corp	COM	55261F104	200,795	1,068	SH		SOLE		1,068	0	0
MACY'S INC	COM	55616P104	101,580	6,000	SH		SOLE		6,000	0	0
MARSH & MCLENNAN	COM	571748102	106,630	502	SH		SOLE		502	0	0
MASTERCARD INC	CL A	57636Q104	125,324	238	SH		DFND		112	0	126
MASTERCARD INC	CL A	57636Q104	11,889,951	22,580	SH		SOLE		22,190	0	390
MATTEL INC	COM	577081102	1,773	100	SH		DFND		0	0	100
MCDONALD'S CORP	COM	580135101	2,129,242	7,345	SH		DFND		526	0	6,819
MCDONALD'S CORP	COM	580135101	14,006,325	48,316	SH		SOLE		48,004	0	312
MDU RES GROUP INC	COM	552690109	48,654	2,700	SH		DFND		2,700	0	0
MDU RES GROUP INC	COM	552690109	30,706	1,704	SH		SOLE		1,704	0	0
METLIFE INC	COM	59156R108	122,820	1,500	SH		DFND		0	0	1,500
METLIFE INC	COM	59156R108	17,686	216	SH		SOLE		216	0	0
MICROSOFT CORP	COM	594918104	9,303,348	22,072	SH		DFND		1,074	0	20,998
MICROSOFT CORP	COM	594918104	41,724,707	98,991	SH		SOLE		97,792	0	1,199
MOLSON COORS BREWING CO	CL B	60871R209	114,640	2,000	SH		DFND		0	0	2,000
MORGAN STANLEY	COM NEW	617446448	125,720	1,000	SH		DFND		0	0	1,000
MSC Industrial Direct Co Inc	CL A	553530106	119,504	1,600	SH		DFND		0	0	1,600
Marathon Petroleum Corp	COM	56585A102	226,548	1,624	SH		DFND		0	0	1,624
Marathon Petroleum Corp	COM	56585A102	7,115	51	SH		SOLE		51	0	0
Marriott International Inc/MD	CL A	571903202	273,082	979	SH		SOLE		979	0	0
Masco Corp	COM	574599106	217,710	3,000	SH		DFND		0	0	3,000
Medtronic PLC	SHS	G5960L103	10,464	131	SH		DFND		0	0	131
Medtronic PLC	SHS	G5960L103	9,985	125	SH		SOLE		125	0	0
Merck & Co Inc	COM	58933Y105	501,777	5,044	SH		DFND		726	0	4,318
Merck & Co Inc	COM	58933Y105	9,458,160	95,076	SH		SOLE		94,354	0	722
Meta Platforms Inc	CL A	30303M102	38,644	66	SH		DFND		0	0	66
Meta Platforms Inc	CL A	30303M102	283,972	485	SH		SOLE		485	0	0
Microchip Technology Inc	COM	595017104	188,108	3,280	SH		DFND		0	0	3,280
Microchip Technology Inc	COM	595017104	183,577	3,201	SH		SOLE		3,201	0	0
Micron Technology Inc	COM	595112103	6,060	72	SH		DFND		0	0	72
Moderna Inc	COM	60770K107	21,206	510	SH		DFND		500	0	10
Mondelez International Inc	CL A	609207105	114,025	1,909	SH		DFND		0	0	1,909
Mondelez International Inc	CL A	609207105	355,513	5,952	SH		SOLE		5,952	0	0
NBT Bancorp Inc	COM	628778102	1,563,089	32,728	SH		DFND		0	0	32,728
NBT Bancorp Inc	COM	628778102	475,212	9,950	SH		SOLE		9,950	0	0
NET Lease Office Properties	COM	64110Y108	562	18	SH		SOLE		18	0	0
NETFLIX INC	COM	64110L106	8,913	10	SH		SOLE		10	0	0
NEXTERA ENERGY	COM	65339F101	152,986	2,134	SH		DFND		0	0	2,134
NEXTERA ENERGY	COM	65339F101	532,011	7,421	SH		SOLE		7,421	0	0
NIKE INC	CL B	654106103	191,445	2,530	SH		DFND		0	0	2,530
NIKE INC	CL B	654106103	280,811	3,711	SH		SOLE		3,711	0	0
NORTHERN TRUST CORP	COM	665859104	102,500	1,000	SH		DFND		0	0	1,000
NVIDIA Corp	COM	67066G104	587,922	4,378	SH		DFND		0	0	4,378
NVIDIA Corp	COM	67066G104	34,146,053	254,271	SH		SOLE		236,731	0	17,540
National Amusements Inc	CLASS B COM	92556H206	272	26	SH		DFND		0	0	26
New Jersey Resources Corp	COM	646025106	13,995	300	SH		DFND		300	0	0
New York Times Co/The	CL A	650111107	11,711	225	SH		SOLE		225	0	0
Nokia Oyj	SPONSORED ADR	654902204	886	200	SH		SOLE		200	0	0
Norfolk Southern Corp	COM	655844108	103,268	440	SH		DFND		0	0	440
Norfolk Southern Corp	COM	655844108	90,360	385	SH		SOLE		385	0	0
Novartis AG	SPONSORED ADR	66987V109	176,131	1,810	SH		DFND		1,250	0	560
Novartis AG	SPONSORED ADR	66987V109	107,041	1,100	SH		SOLE		1,100	0	0
Novocure Ltd	ORD SHS	G6674U108	2,980	100	SH		DFND		0	0	100
Nucor Corp	COM	670346105	5,836	50	SH		DFND		0	0	50
Nuveen Closed-End Funds/USA	COM	67066X107	96,376	8,454	SH		SOLE		8,454	0	0
OCCIDENTAL PETROLEUM CORP	*W EXP 08/03/202	674599162	6,462	234	SH		DFND		0	0	234
OGE Energy Corp	COM	670837103	28,875	700	SH		DFND		600	0	100
OMNICOM GROUP INC	COM	681919106	126,393	1,469	SH		DFND		0	0	1,469
OMNICOM GROUP INC	COM	681919106	4,990	58	SH		SOLE		58	0	0
ORACLE CORP	COM	68389X105	286,954	1,722	SH		DFND		765	0	957
ORACLE CORP	COM	68389X105	1,402,109	8,414	SH		SOLE		8,414	0	0
Occidental Petroleum Corp	COM	674599105	72,929	1,476	SH		DFND		0	0	1,476
OceanFirst Financial Corp	COM	675234108	21,720	1,200	SH		DFND		1,200	0	0
Old Second Bancorp Inc	COM	680277100	20,358	1,145	SH		SOLE		1,145	0	0
Organon & Co	COMMON STOCK	68622V106	35,614	2,387	SH		DFND		0	0	2,387
Otis Worldwide Corp	COM	68902V107	10,835	117	SH		DFND		0	0	117
Otis Worldwide Corp	COM	68902V107	4,631	50	SH		SOLE		50	0	0
Ovintiv Inc	COM	69047Q102	11,907	294	SH		DFND		0	0	294
Owens & Minor Inc	COM	690732102	654	50	SH		DFND		0	0	50
PAN AMER SILVER	COM	697900108	8,735	432	SH		SOLE		432	0	0
PEPSICO INC	COM	713448108	821,276	5,401	SH		DFND		1,139	0	4,262
PEPSICO INC	COM	713448108	9,234,300	60,728	SH		SOLE		60,348	0	380
PG&E CORP	COM	69331C108	6,054	300	SH		DFND		0	0	300
PHILIP MORRIS INTL	COM	718172109	427,243	3,550	SH		DFND		0	0	3,550
PHILIP MORRIS INTL	COM	718172109	979,408	8,138	SH		SOLE		8,138	0	0
PNC Financial Services Group I	COM	693475105	488,682	2,534	SH		DFND		0	0	2,534
PPG Industries Inc	COM	693506107	182,520	1,528	SH		DFND		0	0	1,528
PPG Industries Inc	COM	693506107	17,918	150	SH		SOLE		150	0	0
PPL CORP	COM	69351T106	6,492	200	SH		SOLE		200	0	0
PROSHARE ADVISORS LLC	S&P 500 DV ARIST	74348A467	1,991	20	SH		DFND		0	0	20
PROSHARE ADVISORS LLC	S&P 500 DV ARIST	74348A467	8,462	85	SH		SOLE		85	0	0
PRUDENTIAL FINL	COM	744320102	8,653	73	SH		DFND		0	0	73
PRUDENTIAL FINL	COM	744320102	34,848	294	SH		SOLE		294	0	0
Palantir Technologies Inc	CL A	69608A108	37,815	500	SH		SOLE		500	0	0
PayPal Holdings Inc	COM	70450Y103	35,079	411	SH		DFND		363	0	48
PayPal Holdings Inc	COM	70450Y103	14,851	174	SH		SOLE		174	0	0
Paychex Inc	COM	704326107	214,256	1,528	SH		DFND		0	0	1,528
Paychex Inc	COM	704326107	1,531,062	10,919	SH		SOLE		10,919	0	0
Paylocity Holding Corp	COM	70438V106	99,735	500	SH		DFND		0	0	500
Pfizer Inc	COM	717081103	701,055	26,425	SH		DFND		3,300	0	23,125
Pfizer Inc	COM	717081103	432,731	16,311	SH		SOLE		16,311	0	0
Phillips 66	COM	718546104	141,729	1,244	SH		DFND		0	0	1,244
Phillips 66	COM	718546104	16,064	141	SH		SOLE		141	0	0
Portland General Electric Co	COM NEW	736508847	26,172	600	SH		DFND		600	0	0
Procter & Gamble Co/The	COM	742718109	6,252,674	37,296	SH		DFND		0	0	37,296
Procter & Gamble Co/The	COM	742718109	2,283,393	13,620	SH		SOLE		13,620	0	0
Public Service Enterprise Grou	COM	744573106	63,199	748	SH		DFND		0	0	748
Public Service Enterprise Grou	COM	744573106	10,558,039	124,962	SH		SOLE		124,080	0	882
Public Storage	COM	74460D109	25,452	85	SH		DFND		81	0	4
Public Storage	COM	74460D109	7,443,480	24,858	SH		SOLE		24,660	0	198
QUALCOMM Inc	COM	747525103	407,093	2,650	SH		DFND		0	0	2,650
Quest Diagnostics Inc	COM	74834L100	7,996	53	SH		SOLE		53	0	0
RESTAURANT BRANDS INTERNATIONA	COM	76131D103	65,180	1,000	SH		DFND		0	0	1,000
RMR Group Inc/The	CL A	74967R106	1,011	49	SH		DFND		0	0	49
ROCKWELL AUTOMATION	COM	773903109	147,468	516	SH		DFND		0	0	516
ROCKWELL AUTOMATION	COM	773903109	7,145	25	SH		SOLE		25	0	0
ROYAL CARIBBEAN	COM	V7780T103	23,069	100	SH		DFND		0	0	100
RTX Corp	COM	75513E101	545,504	4,714	SH		DFND		0	0	4,714
RTX Corp	COM	75513E101	15,044	130	SH		SOLE		130	0	0
Ralph Lauren Corp	CL A	751212101	187,094	810	SH		DFND		0	0	810
Regency Centers Corp	COM	758849103	78,366	1,060	SH		DFND		0	0	1,060
Resideo Technologies Inc	COM	76118Y104	138	6	SH		SOLE		6	0	0
Rio Tinto PLC	SPONSORED ADR	767204100	141,144	2,400	SH		DFND		0	0	2,400
Rivian Automotive Inc	COM CL A	76954A103	200	15	SH		DFND		0	0	15
Rivian Automotive Inc	COM CL A	76954A103	1,330	100	SH		SOLE		100	0	0
Ross Stores Inc	COM	778296103	113,453	750	SH		DFND		0	0	750
Royal Bank of Canada	COM	780087102	289,224	2,400	SH		DFND		0	0	2,400
S&P Global Inc	COM	78409V104	77,195	155	SH		DFND		0	0	155
S&P Global Inc	COM	78409V104	124,508	250	SH		SOLE		250	0	0
SANDSTORM GOLD LTD	COM NEW	80013R206	6,696	1,200	SH		DFND		0	0	1,200
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	20,498	149	SH		SOLE		149	0	0
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	117,915	1,500	SH		SOLE		1,500	0	0
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	65,286	291	SH		SOLE		291	0	0
SELECT SECTOR SPDR	FINANCIAL	81369Y605	59,543	1,232	SH		SOLE		1,232	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	3,757,523	16,160	SH		DFND		0	0	16,160
SMUCKER(JM)CO	COM NEW	832696405	25,878	235	SH		DFND		0	0	235
SNAP INC	CL A	83304A106	108	10	SH		DFND		0	0	10
SPDR DOW JONES IND	UT SER 1	78467X109	1,406,278	3,305	SH		DFND		0	0	3,305
SPDR GOLD TRUST	GOLD SHS	78463V107	264,164	1,091	SH		SOLE		1,091	0	0
SPDR SERIES TRUST	BBG CONV SEC ETF	78464A359	101,880	1,308	SH		SOLE		1,308	0	0
SPDR SERIES TRUST	S&P REGL BKG	78464A698	108,630	1,800	SH		SOLE		1,800	0	0
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 GW	78464A409	527	6	SH		SOLE		6	0	0
SSGA FUNDS MANAGEMENT INC	PRTFLO S&P500 VL	78464A508	665	13	SH		DFND		0	0	13
SSGA FUNDS MANAGEMENT INC	PORTFOLIO S&P400	78464A847	32,267	590	SH		SOLE		590	0	0
SSGA FUNDS MANAGEMENT INC	BLOOMBERG SHT TE	78468R408	51,788	2,051	SH		SOLE		2,051	0	0
SSGA FUNDS MANAGEMENT INC	PORTFLI HIGH YLD	78468R606	51,916	2,212	SH		SOLE		2,212	0	0
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	37,649	285	SH		DFND		0	0	285
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	227,873	1,725	SH		SOLE		1,725	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	3,227,543	5,507	SH		DFND		650	0	4,857
SSgA Funds Management Inc	TR UNIT	78462F103	1,972,745	3,366	SH		SOLE		3,366	0	0
SSgA Funds Management Inc	S&P 400 MDCP VAL	78464A839	401	5	SH		DFND		0	0	5
SSgA Funds Management Inc	S&P 500 ESG ETF	78468R531	403,267	7,140	SH		SOLE		7,140	0	0
SSgA Funds Management Inc	BLOOMBERG HIGH Y	78468R622	1,623	17	SH		SOLE		17	0	0
SSgA Funds Management Inc	BLOOMBERG 1-3 MO	78468R663	4,389	48	SH		DFND		48	0	0
SSgA Funds Management Inc	BLOOMBERG 1-3 MO	78468R663	19,377,034	211,933	SH		SOLE		209,139	0	2,794
SSgA Funds Management Inc	PRTFLO S&P500 HI	78468R788	116,748	2,700	SH		SOLE		2,700	0	0
SSgA Funds Management Inc	INDL	81369Y704	51,650	392	SH		SOLE		392	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	532,455	5,500	SH		DFND		0	0	5,500
STARBUCKS CORP	COM	855244109	6,570	72	SH		DFND		0	0	72
STARBUCKS CORP	COM	855244109	58,583	642	SH		SOLE		642	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	1,084,480	1,904	SH		DFND		0	0	1,904
STMicroelectronics NV	NY REGISTRY	861012102	49,940	2,000	SH		DFND		0	0	2,000
STRYKER CORP	COM	863667101	447,182	1,242	SH		DFND		524	0	718
STRYKER CORP	COM	863667101	5,855,493	16,263	SH		SOLE		15,827	0	436
Salesforce Inc	COM	79466L302	190,902	571	SH		DFND		0	0	571
Sarepta Therapeutics Inc	COM	803607100	19,698	162	SH		SOLE		162	0	0
Schlumberger NV	COM STK	806857108	210,870	5,500	SH		DFND		1,900	0	3,600
Schwab ETFs/USA	US REIT ETF	808524847	23,292	1,106	SH		SOLE		1,106	0	0
Selective Insurance Group Inc	COM	816300107	117,461	1,256	SH		SOLE		1,256	0	0
Shake Shack Inc	CL A	819047101	6,490	50	SH		DFND		0	0	50
Shell PLC	SPON ADS	780259305	202,360	3,230	SH		DFND		0	0	3,230
Sherwin-Williams Co/The	COM	824348106	3,059	9	SH		SOLE		9	0	0
Skyworks Solutions Inc	COM	83088M102	8,868	100	SH		DFND		0	0	100
Smurfit WestRock PLC	SHS	G8267P108	42,011	780	SH		DFND		0	0	780
Snap-on Inc	COM	833034101	154,463	455	SH		DFND		0	0	455
Snowflake Inc	CL A	833445109	15,441	100	SH		DFND		100	0	0
Solventum Corp	COM SHS	83444M101	47,695	722	SH		DFND		0	0	722
Sony Group Corp	SPONSORED ADR	835699307	5,290	250	SH		DFND		0	0	250
Southern Co/The	COM	842587107	45,688	555	SH		DFND		0	0	555
Southern Co/The	COM	842587107	156,408	1,900	SH		SOLE		1,900	0	0
State Street Corp	COM	857477103	19,630	200	SH		DFND		200	0	0
State Street Corp	COM	857477103	14,723	150	SH		SOLE		150	0	0
Summit Materials Inc	CL A	86614U100	51,410	1,016	SH		DFND		1,016	0	0
Synopsys Inc	COM	871607107	3,813,474	7,857	SH		SOLE		7,688	0	169
Sysco Corp	COM	871829107	672,848	8,800	SH		DFND		100	0	8,700
Sysco Corp	COM	871829107	19,115	250	SH		SOLE		250	0	0
TE Connectivity PLC	ORD SHS	G87052109	24,305	170	SH		DFND		0	0	170
TE Connectivity PLC	ORD SHS	G87052109	7,638,029	53,424	SH		SOLE		53,086	0	338
TEXAS INSTRUMENTS	COM	882508104	543,779	2,900	SH		DFND		0	0	2,900
TEXAS INSTRUMENTS	COM	882508104	196,510	1,048	SH		SOLE		1,048	0	0
TJX Cos Inc/The	COM	872540109	209,968	1,738	SH		DFND		90	0	1,648
TJX Cos Inc/The	COM	872540109	11,521,408	95,368	SH		SOLE		93,759	0	1,609
TORONTO-DOMINION	COM NEW	891160509	63,888	1,200	SH		DFND		0	0	1,200
TRAVELERS CO INC	COM	89417E109	72,267	300	SH		DFND		0	0	300
TRAVELERS CO INC	COM	89417E109	110,569	459	SH		SOLE		459	0	0
TSMC	SPONSORED ADS	874039100	221,584	1,122	SH		DFND		1,100	0	22
TSMC	SPONSORED ADS	874039100	9,875	50	SH		SOLE		50	0	0
Target Corp	COM	87612E106	171,679	1,270	SH		DFND		0	0	1,270
Target Corp	COM	87612E106	251,300	1,859	SH		SOLE		1,859	0	0
Tesla Inc	COM	88160R101	468,858	1,161	SH		DFND		0	0	1,161
Tesla Inc	COM	88160R101	105,402	261	SH		SOLE		261	0	0
The Campbell's Company	COM	134429109	419	10	SH		DFND		0	0	10
Thermo Fisher Scientific Inc	COM	883556102	516,588	993	SH		DFND		493	0	500
Thermo Fisher Scientific Inc	COM	883556102	296,011	569	SH		SOLE		569	0	0
Tompkins Financial Corp	COM	890110109	47,090,367	694,241	SH		DFND		0	0	694,241
Tompkins Financial Corp	COM	890110109	30,288,605	446,537	SH		SOLE		0	0	446,537
Truist Financial Corp	COM	89832Q109	130,357	3,005	SH		DFND		0	0	3,005
Truist Financial Corp	COM	89832Q109	104,416	2,407	SH		SOLE		2,407	0	0
Tyson Foods Inc	CL A	902494103	16,830	293	SH		SOLE		293	0	0
UGI Corp	COM	902681105	71,253	2,524	SH		SOLE		2,524	0	0
UTD PARCEL SERV	CL B	911312106	40,352	320	SH		DFND		310	0	10
UTD PARCEL SERV	CL B	911312106	76,921	610	SH		SOLE		610	0	0
Unilever PLC	SPON ADR NEW	904767704	5,670	100	SH		SOLE		100	0	0
Union Pacific Corp	COM	907818108	161,452	708	SH		DFND		0	0	708
Union Pacific Corp	COM	907818108	166,697	731	SH		SOLE		731	0	0
UnitedHealth Group Inc	COM	91324P102	379,395	750	SH		DFND		0	0	750
UnitedHealth Group Inc	COM	91324P102	679,876	1,344	SH		SOLE		1,344	0	0
Universal Insurance Holdings I	COM	91359V107	229,491	10,897	SH		SOLE		10,897	0	0
V2X Inc	COM	92242T101	48	1	SH		DFND		0	0	1
VANECK VECTORS ETF	MRNGSTR WDE MOAT	92189F643	94,487	1,019	SH		DFND		801	0	218
VANECK VECTORS ETF	MRNGSTR WDE MOAT	92189F643	31,621,640	341,026	SH		SOLE		340,993	0	33
VANECK VECTORS ETF	VANECK VIETNAM	92189F817	2,296	200	SH		DFND		200	0	0
VANGUARD	S&P 500 ETF SHS	922908363	777,503	1,443	SH		DFND		0	0	1,443
VANGUARD	S&P 500 ETF SHS	922908363	22,515,792	41,788	SH		SOLE		41,788	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	32,899	168	SH		SOLE		168	0	0
VANGUARD ETF/USA	STRM INFPROIDX	922020805	2,518	52	SH		DFND		0	0	52
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	22,020	500	SH		DFND		500	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	25,896	588	SH		SOLE		588	0	0
VANGUARD ETF/USA	INF TECH ETF	92204A702	40,417	65	SH		SOLE		65	0	0
VANGUARD ETF/USA	VNG RUS1000GRW	92206C680	55,989	542	SH		SOLE		542	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	6,582	82	SH		DFND		0	0	82
VANGUARD ETF/USA	INT-TERM CORP	92206C870	4,495	56	SH		SOLE		56	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	12,287	62	SH		SOLE		62	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	1,928,975	6,656	SH		DFND		0	0	6,656
VANGUARD ETF/USA	TOTAL STK MKT	922908769	75,351	260	SH		SOLE		260	0	0
VANGUARD INTL EQUI	FTSE EUROPE ETF	922042874	208,055	3,278	SH		SOLE		3,278	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	829,973	6,505	SH		SOLE		6,505	0	0
VERIZON COMMUN	COM	92343V104	314,841	7,873	SH		DFND		0	0	7,873
VERIZON COMMUN	COM	92343V104	678,350	16,963	SH		SOLE		16,963	0	0
VF Corp	COM	918204108	172,603	8,043	SH		SOLE		8,043	0	0
VIATRIS INC	COM	92556V106	16,658	1,338	SH		DFND		0	0	1,338
VIATRIS INC	COM	92556V106	8,678	697	SH		SOLE		697	0	0
VISA INC	COM CL A	92826C839	11,061	35	SH		DFND		0	0	35
VISA INC	COM CL A	92826C839	51,831	164	SH		SOLE		164	0	0
Valero Energy Corp	COM	91913Y100	1,839	15	SH		SOLE		15	0	0
Valvoline Inc	COM	92047W101	341,684	9,444	SH		DFND		0	0	9,444
Van Eck Associates Corp	FALLEN ANGEL HG	92189F437	44,582	1,555	SH		DFND		0	0	1,555
Vanguard ETF/USA	500 GRTH IDX F	921932505	2,376,828	6,493	SH		SOLE		6,493	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	16,997,582	236,373	SH		SOLE		236,373	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	150,920	3,156	SH		DFND		0	0	3,156
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	21,857,327	457,075	SH		SOLE		457,075	0	0
Vanguard ETF/USA	HEALTH CAR ETF	92204A504	135,978	536	SH		SOLE		536	0	0
Vanguard ETF/USA	MCAP VL IDXVIP	922908512	32,354	200	SH		DFND		200	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	37,859	425	SH		DFND		0	0	425
Vanguard ETF/USA	REAL ESTATE ETF	922908553	401,662	4,509	SH		SOLE		3,489	0	1,020
Vanguard ETF/USA	MID CAP ETF	922908629	117,010	443	SH		SOLE		443	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	55,820	136	SH		SOLE		136	0	0
Vanguard ETF/USA	VALUE ETF	922908744	18,792	111	SH		SOLE		111	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	103,320	430	SH		DFND		75	0	355
Vanguard ETF/USA	SMALL CP ETF	922908751	3,907,914	16,264	SH		SOLE		16,264	0	0
Vanguard Group Inc/The	SML CP GRW ETF	922908595	38,928	139	SH		SOLE		139	0	0
Ventas Inc	COM	92276F100	117,780	2,000	SH		DFND		0	0	2,000
Veralto Corp	COM SHS	92338C103	3,056	30	SH		DFND		0	0	30
Veralto Corp	COM SHS	92338C103	39,823	391	SH		SOLE		391	0	0
Viavi Solutions Inc	COM	925550105	7,070	700	SH		DFND		700	0	0
Vontier Corp	COM	928881101	14,588	400	SH		DFND		400	0	0
Vulcan Materials Co	COM	929160109	64,308	250	SH		DFND		250	0	0
WASTE MANAGEMENT	COM	94106L109	278,672	1,381	SH		DFND		41	0	1,340
WASTE MANAGEMENT	COM	94106L109	12,135,247	60,138	SH		SOLE		59,573	0	565
WATSCO INC	COM	942622200	473,890	1,000	SH		DFND		0	0	1,000
WEC Energy Group Inc	COM	92939U106	188,080	2,000	SH		DFND		0	0	2,000
WELLS FARGO & CO	COM	949746101	94,824	1,350	SH		DFND		0	0	1,350
WELLS FARGO & CO	COM	949746101	251,670	3,583	SH		SOLE		3,583	0	0
WESTERN UNION COMP	COM	959802109	53,000	5,000	SH		DFND		0	0	5,000
WESTN DIGITAL CORP	COM	958102105	11,926	200	SH		DFND		0	0	200
WISDOMTREE ETFS/USA	US TOTAL DIVIDND	97717W109	76,621	1,010	SH		SOLE		1,010	0	0
WISDOMTREE ETFS/USA	US HIGH DIVIDEND	97717W208	36,877	395	SH		DFND		0	0	395
WK Kellogg Co	COM SHS	92942W107	216	12	SH		DFND		0	0	12
WK Kellogg Co	COM SHS	92942W107	5,847	325	SH		SOLE		325	0	0
WORLD GOLD TRUST SERVICES LLC	SPDR GLD MINIS	98149E303	520	10	SH		DFND		0	0	10
WP Carey Inc	COM	92936U109	202,666	3,720	SH		SOLE		3,720	0	0
WW Grainger Inc	COM	384802104	244,540	232	SH		SOLE		232	0	0
Walgreens Boots Alliance Inc	COM	931427108	93	10	SH		DFND		0	0	10
Walmart Inc	COM	931142103	1,680,600	18,601	SH		DFND		1,038	0	17,563
Walmart Inc	COM	931142103	23,759,882	262,976	SH		SOLE		260,442	0	2,534
Walt Disney Co/The	COM	254687106	151,993	1,365	SH		DFND		200	0	1,165
Walt Disney Co/The	COM	254687106	269,022	2,416	SH		SOLE		2,416	0	0
Warner Bros Discovery Inc	COM SER A	934423104	31,594	2,989	SH		DFND		0	0	2,989
Warner Bros Discovery Inc	COM SER A	934423104	24,269	2,296	SH		SOLE		2,296	0	0
Waters Corp	COM	941848103	148,392	400	SH		DFND		0	0	400
Webster Financial Corp	COM	947890109	1,394,968	25,262	SH		DFND		100	0	25,162
Webster Financial Corp	COM	947890109	4,401,752	79,713	SH		SOLE		79,713	0	0
Westinghouse Air Brake Technol	COM	929740108	18,201	96	SH		DFND		0	0	96
Westinghouse Air Brake Technol	COM	929740108	6,825	36	SH		SOLE		36	0	0
Wheaton Precious Metals Corp	COM	962879102	13,891	247	SH		DFND		0	0	247
Whirlpool Corp	COM	963320106	43,846	383	SH		DFND		0	0	383
Willis Towers Watson PLC	SHS	G96629103	2,819	9	SH		SOLE		9	0	0
WisdomTree Asset Management Inc	EM EX ST-OWNED	97717X578	9,114	299	SH		DFND		0	0	299
WisdomTree Asset Management Inc	EM EX ST-OWNED	97717X578	145,176	4,763	SH		SOLE		4,763	0	0
WisdomTree Asset Management Inc	ITL HDG QTLY DIV	97717X594	67,639	1,556	SH		DFND		0	0	1,556
WisdomTree Asset Management Inc	EUROPE HEDGED EQ	97717X701	68,203	1,560	SH		DFND		0	0	1,560
Xylem Inc/NY	COM	98419M100	48,728	420	SH		DFND		0	0	420
Xylem Inc/NY	COM	98419M100	13,110	113	SH		SOLE		113	0	0
YUM BRANDS INC	COM	988498101	201,240	1,500	SH		DFND		0	0	1,500
ZIMMER HLDGS INC	COM	98956P102	24,295	230	SH		DFND		200	0	30
Zimvie Inc	COM	98888T107	42	3	SH		DFND		0	0	3
iShares ETFs/USA	ESG AWR MSCI EM	46434G863	23,807	713	SH		SOLE		713	0	0
iShares ETFs/USA	CORE DIV GRWTH	46434V621	40,975	668	SH		SOLE		668	0	0