HTLF Bank 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
Estimated average burden
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	183,501	1,730	SH		DFND		1,730	0	0
3M Co	COM	88579Y101	1,180,453	11,129	SH		SOLE		11,129	0	0
ADAMS EXPRESS COMPANY	COM	006212104	33,184	1,700	SH		DFND		1,700	0	0
ADAMS EXPRESS COMPANY	COM	006212104	6,977,053	357,431	SH		SOLE		357,431	0	0
ALPHABET INC	CAP STK CL A	02079K305	509,540	3,376	SH		DFND		3,346	0	30
ALPHABET INC	CAP STK CL A	02079K305	12,900,742	85,475	SH		SOLE		81,160	0	4,315
ALTRIA GROUP INC	COM	02209S103	228,525	5,239	SH		SOLE		5,239	0	0
AMBEV SA	SPONSORED ADR	02319V103	39,412	15,892	SH		SOLE		15,892	0	0
AMER EXPRESS CO	COM	025816109	393,904	1,730	SH		DFND		1,730	0	0
AMER EXPRESS CO	COM	025816109	1,018,230	4,472	SH		SOLE		4,472	0	0
ANALOG DEVICES INC	COM	032654105	3,362	17	SH		DFND		0	0	17
ANALOG DEVICES INC	COM	032654105	430,391	2,176	SH		SOLE		2,176	0	0
APPLIED MATERIALS	COM	038222105	976,087	4,733	SH		SOLE		4,733	0	0
ASE Technology Holding Co Ltd	SPONSORED ADS	00215W100	199,479	18,151	SH		SOLE		18,151	0	0
ASP Isotopes Inc	COM	00218A105	146,772	35,538	SH		SOLE		35,538	0	0
AT&T INC	COM	00206R102	352,000	20,000	SH		DFND		20,000	0	0
AT&T INC	COM	00206R102	272,466	15,481	SH		SOLE		15,481	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	1,249	5	SH		DFND		5	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	225,016	901	SH		SOLE		901	0	0
AVERY DENNISON CORP	COM	053611109	333,536	1,494	SH		SOLE		1,494	0	0
AbbVie Inc	COM	00287Y109	192,844	1,059	SH		DFND		909	0	150
AbbVie Inc	COM	00287Y109	5,925,352	32,539	SH		SOLE		30,864	0	1,675
Abbott Laboratories	COM	002824100	14,776	130	SH		DFND		30	0	100
Abbott Laboratories	COM	002824100	627,972	5,525	SH		SOLE		5,525	0	0
Accenture PLC	SHS CLASS A	G1151C101	48,179	139	SH		DFND		139	0	0
Accenture PLC	SHS CLASS A	G1151C101	1,965,972	5,672	SH		SOLE		5,362	0	310
Adobe Inc	COM	00724F101	2,523	5	SH		DFND		5	0	0
Adobe Inc	COM	00724F101	284,594	564	SH		SOLE		564	0	0
Aflac Inc	COM	001055102	285,141	3,321	SH		SOLE		3,321	0	0
Agree Realty Corp	COM	008492100	6,969	122	SH		DFND		122	0	0
Agree Realty Corp	COM	008492100	1,440,909	25,226	SH		SOLE		25,226	0	0
Alliant Energy Corp	COM	018802108	45,360	900	SH		DFND		900	0	0
Alliant Energy Corp	COM	018802108	269,049	5,338	SH		SOLE		5,338	0	0
Alphabet Inc	CAP STK CL C	02079K107	45,678	300	SH		DFND		300	0	0
Alphabet Inc	CAP STK CL C	02079K107	2,468,287	16,211	SH		SOLE		16,211	0	0
Amazon.com Inc	COM	023135106	215,013	1,192	SH		DFND		1,192	0	0
Amazon.com Inc	COM	023135106	9,477,165	52,540	SH		SOLE		50,490	0	2,050
American Electric Power Co Inc	COM	025537101	34,440	400	SH		DFND		400	0	0
American Electric Power Co Inc	COM	025537101	239,014	2,776	SH		SOLE		2,776	0	0
Americas Gold & Silver Corp	COM	03062D100	4,400	20,000	SH		SOLE		20,000	0	0
Ameriprise Financial Inc	COM	03076C106	151,700	346	SH		DFND		346	0	0
Ameriprise Financial Inc	COM	03076C106	121,448	277	SH		SOLE		277	0	0
Amgen Inc	COM	031162100	239,113	841	SH		DFND		828	0	13
Amgen Inc	COM	031162100	8,208,318	28,870	SH		SOLE		27,195	0	1,675
Amphenol Corp	CL A	032095101	235,429	2,041	SH		SOLE		2,041	0	0
Apple Inc	COM	037833100	536,218	3,127	SH		DFND		2,750	0	377
Apple Inc	COM	037833100	18,560,824	108,239	SH		SOLE		103,989	0	4,250
Archer-Daniels-Midland Co	COM	039483102	257,019	4,092	SH		SOLE		4,092	0	0
B2Gold Corp	COM	11777Q209	302,812	116,020	SH		SOLE		116,020	0	0
BADGER METER INC	COM	056525108	210,353	1,300	SH		SOLE		1,300	0	0
BK OF AMERICA CORP	COM	060505104	141,897	3,742	SH		DFND		3,550	0	192
BK OF AMERICA CORP	COM	060505104	506,990	13,370	SH		SOLE		13,370	0	0
BLACKSTONE SECD LN	COMMON STOCK	09261X102	12,647	406	SH		DFND		406	0	0
BLACKSTONE SECD LN	COMMON STOCK	09261X102	2,973,984	95,473	SH		SOLE		95,473	0	0
BOEING CO	COM	097023105	6,562	34	SH		DFND		0	0	34
BOEING CO	COM	097023105	552,530	2,863	SH		SOLE		2,863	0	0
BRISTOL-MYRS SQUIB	COM	110122108	2,983	55	SH		DFND		0	0	55
BRISTOL-MYRS SQUIB	COM	110122108	363,341	6,700	SH		SOLE		6,700	0	0
BUNGE GLOBAL SA	None	H11356104	342,724	3,343	SH		SOLE		3,343	0	0
Banco Bradesco SA	SP ADR PFD NEW	059460303	34,171	11,948	SH		SOLE		11,948	0	0
Bank OZK	COM	06417N103	280,397	6,168	SH		SOLE		6,168	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	6,308	15	SH		DFND		15	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	5,000,824	11,892	SH		SOLE		11,892	0	0
Black Hills Corp	COM	092113109	6,115	112	SH		DFND		112	0	0
Black Hills Corp	COM	092113109	689,434	12,627	SH		SOLE		12,627	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	2,535,409	24,209	SH		SOLE		24,209	0	0
BlackRock Inc	COM	09247X101	175,077	210	SH		DFND		210	0	0
BlackRock Inc	COM	09247X101	6,161,877	7,391	SH		SOLE		6,946	0	445
Boston Scientific Corp	COM	101137107	6,849	100	SH		DFND		100	0	0
Boston Scientific Corp	COM	101137107	366,695	5,354	SH		SOLE		5,354	0	0
Broadcom Inc	COM	11135F101	330,027	249	SH		DFND		249	0	0
Broadcom Inc	COM	11135F101	10,224,213	7,714	SH		SOLE		7,259	0	455
Brunswick Corp/DE	COM	117043109	270,739	2,805	SH		SOLE		2,805	0	0
CACI International Inc	CL A	127190304	229,192	605	SH		SOLE		605	0	0
CDN NATL RAILWAYS	COM	136375102	267,240	2,029	SH		SOLE		2,029	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	564	7	SH		DFND		7	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	481,361	5,970	SH		SOLE		5,970	0	0
CHUBB LIMITED COM	COM	H1467J104	345,420	1,333	SH		SOLE		1,333	0	0
CISCO SYSTEMS	COM	17275R102	156,967	3,145	SH		DFND		3,018	0	127
CISCO SYSTEMS	COM	17275R102	5,877,601	117,764	SH		SOLE		110,354	0	7,410
COLGATE-PALMOLIVE	COM	194162103	376,949	4,186	SH		SOLE		4,186	0	0
COLUMBIA MANAGEMENT INVESTMENT ADVISERS LLC	COM	895436103	34,250	1,112	SH		DFND		1,112	0	0
COLUMBIA MANAGEMENT INVESTMENT ADVISERS LLC	COM	895436103	7,174,090	232,925	SH		SOLE		232,925	0	0
CONOCOPHILLIPS	COM	20825C104	25,583	201	SH		DFND		201	0	0
CONOCOPHILLIPS	COM	20825C104	1,013,149	7,960	SH		SOLE		7,960	0	0
CREDIT SUISSE AG/NASSAU	X LINK SILVER	22542D225	1,091,554	14,525	SH		SOLE		14,525	0	0
CSX CORP	COM	126408103	201,253	5,429	SH		SOLE		5,429	0	0
CVS Health Corp	COM	126650100	7,178	90	SH		DFND		0	0	90
CVS Health Corp	COM	126650100	358,840	4,499	SH		SOLE		4,499	0	0
Caterpillar Inc	COM	149123101	529,858	1,446	SH		SOLE		1,446	0	0
Charles Schwab Corp/The	COM	808513105	1,519	21	SH		DFND		21	0	0
Charles Schwab Corp/The	COM	808513105	220,637	3,050	SH		SOLE		3,050	0	0
Charles Schwab Investment Management Inc	US LCAP GR ETF	808524300	834	9	SH		DFND		9	0	0
Charles Schwab Investment Management Inc	US LCAP GR ETF	808524300	1,043,007	11,249	SH		SOLE		11,249	0	0
Chevron Corp	COM	166764100	551,932	3,499	SH		DFND		3,473	0	26
Chevron Corp	COM	166764100	8,489,094	53,817	SH		SOLE		50,717	0	3,100
Cigna Group/The	COM	125523100	4,721	13	SH		DFND		0	0	13
Cigna Group/The	COM	125523100	335,588	924	SH		SOLE		924	0	0
Coca-Cola Co/The	COM	191216100	39,828	651	SH		DFND		451	0	200
Coca-Cola Co/The	COM	191216100	1,992,755	32,572	SH		SOLE		28,547	0	4,025
Comcast Corp	CL A	20030N101	64,765	1,494	SH		DFND		1,494	0	0
Comcast Corp	CL A	20030N101	642,144	14,813	SH		SOLE		14,813	0	0
Costco Wholesale Corp	COM	22160K105	151,654	207	SH		DFND		207	0	0
Costco Wholesale Corp	COM	22160K105	4,375,266	5,972	SH		SOLE		5,972	0	0
DEERE & CO	COM	244199105	205,370	500	SH		DFND		500	0	0
DEERE & CO	COM	244199105	633,361	1,542	SH		SOLE		1,542	0	0
DUKE ENERGY CORP	COM NEW	26441C204	43,616	451	SH		DFND		451	0	0
DUKE ENERGY CORP	COM NEW	26441C204	220,015	2,275	SH		SOLE		2,275	0	0
Danaher Corp	COM	235851102	32,214	129	SH		DFND		129	0	0
Danaher Corp	COM	235851102	599,078	2,399	SH		SOLE		2,399	0	0
Denison Mines Corp	COM	248356107	1,017,900	522,000	SH		SOLE		522,000	0	0
Dimensional ETF Trust	US SMALL CAP ETF	25434V500	738,480	11,846	SH		SOLE		11,846	0	0
Dimensional ETF Trust	WORLD EX US CORE	25434V880	1,032,635	40,591	SH		SOLE		40,591	0	0
Direxion ETFs/USA	DAILY JR GLD MIN	25460G831	1,220,012	36,615	SH		SOLE		36,615	0	0
Duff & Phelps Investment Management Co	COM	23325P104	131,869	14,539	SH		SOLE		14,539	0	0
Eaton Corp PLC	SHS	G29183103	215,124	688	SH		SOLE		688	0	0
Eli Lilly & Co	COM	532457108	8,558	11	SH		DFND		11	0	0
Eli Lilly & Co	COM	532457108	592,028	761	SH		SOLE		761	0	0
Encore Energy Corp	COM NEW	29259W700	1,094,310	249,699	SH		SOLE		249,699	0	0
Energy Transfer LP	COM UT LTD PTN	29273V100	15,730	1,000	SH		DFND		1,000	0	0
Energy Transfer LP	COM UT LTD PTN	29273V100	277,619	17,649	SH		SOLE		17,649	0	0
Exxon Mobil Corp	COM	30231G102	1,148,102	9,877	SH		DFND		9,825	0	52
Exxon Mobil Corp	COM	30231G102	2,423,488	20,849	SH		SOLE		20,849	0	0
FLEXSHARES TR	MORNSTAR USMKT	33939L100	601,313	3,031	SH		SOLE		3,031	0	0
First Trust ETFs/USA	TCW OPPORTUNIS	33740F805	378,143	8,673	SH		SOLE		8,673	0	0
Franklin LibertyShares ETFs/US	US LOW VOLATILIT	35473P504	325,282	5,951	SH		DFND		5,951	0	0
Franklin LibertyShares ETFs/US	US LOW VOLATILIT	35473P504	14,969,461	273,865	SH		SOLE		273,865	0	0
GENERAL MILLS INC	COM	370334104	353,628	5,054	SH		SOLE		5,054	0	0
GOLDMAN SACHS GRP	COM	38141G104	2,088	5	SH		DFND		5	0	0
GOLDMAN SACHS GRP	COM	38141G104	942,726	2,257	SH		SOLE		2,257	0	0
General Electric Co	COM NEW	369604301	57,047	325	SH		DFND		262	0	63
General Electric Co	COM NEW	369604301	326,661	1,861	SH		SOLE		1,861	0	0
Gilead Sciences Inc	COM	375558103	228,760	3,123	SH		SOLE		3,123	0	0
HUMANA INC	COM	444859102	6,934	20	SH		DFND		0	0	20
HUMANA INC	COM	444859102	249,638	720	SH		SOLE		720	0	0
Healthpeak Properties Inc	COM	42250P103	1,950	104	SH		DFND		104	0	0
Healthpeak Properties Inc	COM	42250P103	457,556	24,403	SH		SOLE		24,403	0	0
Heartland Financial USA Inc	COM	42234Q102	4,142,849	117,862	SH		DFND		0	0	117,862
Heartland Financial USA Inc	COM	42234Q102	47,804,110	1,360,003	SH		SOLE		1	0	1,360,003
Hecla Mining Co	COM	422704106	129,702	26,965	SH		SOLE		26,965	0	0
Home Depot Inc/The	COM	437076102	73,651	192	SH		DFND		192	0	0
Home Depot Inc/The	COM	437076102	4,817,249	12,558	SH		SOLE		11,108	0	1,450
Honeywell International Inc	COM	438516106	1,847	9	SH		DFND		9	0	0
Honeywell International Inc	COM	438516106	1,124,770	5,480	SH		SOLE		5,480	0	0
Hubbell Inc	COM	443510607	1,245,150	3,000	SH		SOLE		3,000	0	0
ILLINOIS TOOL WKS	COM	452308109	248,205	925	SH		SOLE		925	0	0
INDEXIQ ETF TRUST/USA	HEDGE MLTI ETF	45409B107	380,101	12,305	SH		DFND		12,305	0	0
INDEXIQ ETF TRUST/USA	HEDGE MLTI ETF	45409B107	20,868,450	675,573	SH		SOLE		675,573	0	0
ING Groep NV	SPONSORED ADR	456837103	5,082,202	308,199	SH		SOLE		308,199	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	426,858	3,106	SH		SOLE		3,106	0	0
INTL BUSINESS MCHN	COM	459200101	19,096	100	SH		DFND		0	0	100
INTL BUSINESS MCHN	COM	459200101	535,834	2,806	SH		SOLE		2,806	0	0
ISHARES	CORE S&P500 ETF	464287200	450,551	857	SH		DFND		857	0	0
ISHARES	CORE S&P500 ETF	464287200	5,028,082	9,564	SH		SOLE		9,564	0	0
ISHARES	S&P 500 GRWT ETF	464287309	302,211	3,579	SH		SOLE		3,579	0	0
ISHARES	RUSSELL 2000 ETF	464287655	15,562	74	SH		DFND		52	0	22
ISHARES	RUSSELL 2000 ETF	464287655	848,771	4,036	SH		SOLE		4,036	0	0
ISHARES	EAFE VALUE ETF	464288877	736,630	13,541	SH		DFND		13,541	0	0
ISHARES	EAFE VALUE ETF	464288877	34,661,994	637,169	SH		SOLE		614,289	0	22,880
ISHARES	CORE MSCI EAFE	46432F842	253,461	3,415	SH		SOLE		3,415	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	579,747	7,255	SH		SOLE		7,255	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	240,106	2,936	SH		DFND		2,936	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	7,167,935	87,649	SH		SOLE		83,234	0	4,415
ISHARES TRUST	GLOBAL MATER ETF	464288695	65,824	736	SH		DFND		736	0	0
ISHARES TRUST	GLOBAL MATER ETF	464288695	1,760,781	19,688	SH		SOLE		18,978	0	710
ISHARES/USA	NATIONAL MUN ETF	464288414	538	5	SH		DFND		5	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	873,604	8,119	SH		SOLE		8,119	0	0
Industrial Logistics Propertie	COM SHS BEN INT	456237106	4,927,335	1,148,563	SH		SOLE		1,148,563	0	0
Intel Corp	COM	458140100	2,429	55	SH		DFND		0	0	55
Intel Corp	COM	458140100	632,735	14,325	SH		SOLE		14,325	0	0
Invesco ETFs/USA	DIVID ACHIEVEV	46137V506	681,120	16,000	SH		SOLE		16,000	0	0
Invesco ETFs/USA	INTL DIVI ACHI	46137V548	270,684	14,600	SH		SOLE		14,600	0	0
Invesco ETFs/USA	S&P INTL LOW	46138E230	131,199	4,674	SH		DFND		4,674	0	0
Invesco ETFs/USA	S&P INTL LOW	46138E230	7,759,587	276,437	SH		SOLE		276,437	0	0
Invesco ETFs/USA	SHORT TERM TREAS	46138G888	128,252	1,216	SH		DFND		1,216	0	0
Invesco ETFs/USA	SHORT TERM TREAS	46138G888	5,997,762	56,867	SH		SOLE		56,867	0	0
Itau Unibanco Holding SA	SPON ADR REP PFD	465562106	83,333	12,025	SH		SOLE		12,025	0	0
JP Morgan ETFs/USA	EQUITY PREMIUM	46641Q332	394,663	6,821	SH		DFND		6,821	0	0
JP Morgan ETFs/USA	EQUITY PREMIUM	46641Q332	19,177,118	331,440	SH		SOLE		326,440	0	5,000
JP Morgan ETFs/USA	ULTRA SHT MUNCPL	46641Q654	388,973	7,666	SH		SOLE		7,666	0	0
JP Morgan ETFs/USA	INTL BD OPP ETF	46641Q852	1,027,116	21,569	SH		SOLE		21,569	0	0
JPMorgan Chase & Co	COM	46625H100	366,950	1,832	SH		DFND		1,786	0	46
JPMorgan Chase & Co	COM	46625H100	10,694,217	53,391	SH		SOLE		51,106	0	2,285
Johnson & Johnson	COM	478160104	184,924	1,169	SH		DFND		1,134	0	35
Johnson & Johnson	COM	478160104	8,631,954	54,567	SH		SOLE		51,552	0	3,015
KIMBERLY-CLARK CP	COM	494368103	69,202	535	SH		DFND		500	0	35
KIMBERLY-CLARK CP	COM	494368103	264,003	2,041	SH		SOLE		2,041	0	0
KLA Corp	COM NEW	482480100	290,605	416	SH		SOLE		416	0	0
LOWE'S COS INC	COM	548661107	259,315	1,018	SH		DFND		1,003	0	15
LOWE'S COS INC	COM	548661107	6,173,891	24,237	SH		SOLE		24,237	0	0
Linde PLC	SHS	G54950103	488,000	1,051	SH		SOLE		1,051	0	0
Lockheed Martin Corp	COM	539830109	247,904	545	SH		SOLE		545	0	0
MAG Silver Corp	COM	55903Q104	296,240	28,000	SH		SOLE		28,000	0	0
MARSH & MCLENNAN	COM	571748102	2,884	14	SH		DFND		14	0	0
MARSH & MCLENNAN	COM	571748102	326,890	1,587	SH		SOLE		1,587	0	0
MASTERCARD INC	CL A	57636Q104	610,149	1,267	SH		SOLE		1,267	0	0
MCDONALD'S CORP	COM	580135101	31,015	110	SH		DFND		50	0	60
MCDONALD'S CORP	COM	580135101	2,804,275	9,946	SH		SOLE		9,141	0	805
MCKESSON CORP	COM	58155Q103	372,037	693	SH		SOLE		693	0	0
MICROSOFT CORP	COM	594918104	563,344	1,339	SH		DFND		1,316	0	23
MICROSOFT CORP	COM	594918104	22,288,483	52,977	SH		SOLE		51,082	0	1,895
MOODYS CORP	COM	615369105	487,357	1,240	SH		SOLE		1,240	0	0
MORGAN STANLEY	COM NEW	617446448	24,764	263	SH		DFND		263	0	0
MORGAN STANLEY	COM NEW	617446448	2,389,875	25,381	SH		SOLE		21,896	0	3,485
Medtronic PLC	SHS	G5960L103	135,780	1,558	SH		DFND		1,558	0	0
Medtronic PLC	SHS	G5960L103	5,400,947	61,973	SH		SOLE		56,988	0	4,985
Merck & Co Inc	COM	58933Y105	31,404	238	SH		DFND		100	0	138
Merck & Co Inc	COM	58933Y105	867,439	6,574	SH		SOLE		6,574	0	0
MetLife Inc	COM	59156R108	405,900	5,477	SH		SOLE		5,477	0	0
Meta Platforms Inc	CL A	30303M102	35,447	73	SH		DFND		73	0	0
Meta Platforms Inc	CL A	30303M102	679,812	1,400	SH		SOLE		1,400	0	0
Metalla Royalty & Streaming Lt	COM NEW	59124U605	105,740	34,000	SH		SOLE		34,000	0	0
Mondelez International Inc	CL A	609207105	646,520	9,236	SH		SOLE		9,236	0	0
NEXTERA ENERGY	COM	65339F101	191,730	3,000	SH		DFND		3,000	0	0
NEXTERA ENERGY	COM	65339F101	392,727	6,145	SH		SOLE		6,145	0	0
NORDIC AMER TANKER	COM	G65773106	196,000	50,000	SH		SOLE		50,000	0	0
NORTHROP GRUMMAN	COM	666807102	282,409	590	SH		SOLE		590	0	0
NOVAGOLD RESOURCES	COM NEW	66987E206	54,000	18,000	SH		SOLE		18,000	0	0
NVIDIA Corp	COM	67066G104	361,424	400	SH		DFND		400	0	0
NVIDIA Corp	COM	67066G104	992,109	1,098	SH		SOLE		1,098	0	0
NexGen Energy Ltd	COM	65340P106	982,330	126,426	SH		SOLE		126,426	0	0
Norfolk Southern Corp	COM	655844108	331,331	1,300	SH		DFND		1,300	0	0
Norfolk Southern Corp	COM	655844108	311,196	1,221	SH		SOLE		1,221	0	0
Nushares ETF Trust	NUVEEN ESG LRGCP	67092P201	513,746	6,735	SH		SOLE		6,735	0	0
Nushares ETF Trust	NUVEEN ESG LRGVL	67092P300	625,257	16,090	SH		SOLE		16,090	0	0
Nuveen Closed-End Funds/USA	COM	6706ER101	965,816	73,002	SH		SOLE		73,002	0	0
Nuveen Closed-End Funds/USA	COM	67073B106	112,761	15,683	SH		SOLE		15,683	0	0
ORACLE CORP	COM	68389X105	263,027	2,094	SH		DFND		2,059	0	35
ORACLE CORP	COM	68389X105	7,560,340	60,189	SH		SOLE		56,629	0	3,560
PAN AMER SILVER	COM	697900108	150,890	10,006	SH		SOLE		10,006	0	0
PEPSICO INC	COM	713448108	148,058	846	SH		DFND		821	0	25
PEPSICO INC	COM	713448108	3,277,762	18,729	SH		SOLE		18,729	0	0
PNC Financial Services Group I	COM	693475105	166,610	1,031	SH		DFND		1,010	0	21
PNC Financial Services Group I	COM	693475105	197,798	1,224	SH		SOLE		1,224	0	0
PROSHARES ETFS/USA	SHORT QQQ NEW	74347B714	433,620	49,500	SH		SOLE		49,500	0	0
Palo Alto Networks Inc	COM	697435105	435,003	1,531	SH		SOLE		1,531	0	0
PetMed Express Inc	COM	716382106	289,402	60,418	SH		SOLE		60,418	0	0
Pfizer Inc	COM	717081103	8,519	307	SH		DFND		0	0	307
Pfizer Inc	COM	717081103	839,771	30,262	SH		SOLE		30,262	0	0
Phillips 66	COM	718546104	16,334	100	SH		DFND		100	0	0
Phillips 66	COM	718546104	223,122	1,366	SH		SOLE		1,366	0	0
Pinnacle West Capital Corp	COM	723484101	224,190	3,000	SH		SOLE		3,000	0	0
Postal Realty Trust Inc	CL A	73757R102	9,007	629	SH		DFND		629	0	0
Postal Realty Trust Inc	CL A	73757R102	1,712,085	119,559	SH		SOLE		119,559	0	0
ProShares ETFs/USA	SHORT S&P 500 NE	74347B425	214,998	18,128	SH		SOLE		18,128	0	0
Procter & Gamble Co/The	COM	742718109	138,237	852	SH		DFND		852	0	0
Procter & Gamble Co/The	COM	742718109	4,910,496	30,265	SH		SOLE		28,405	0	1,860
Prologis Inc	COM	74340W103	79,174	608	SH		DFND		608	0	0
Prologis Inc	COM	74340W103	2,631,225	20,206	SH		SOLE		18,871	0	1,335
Putnam Funds/Closed-End/USA	COM	746823103	67,088	11,200	SH		SOLE		11,200	0	0
Putnam Funds/Closed-End/USA	SH BEN INT	746853100	42,838	12,170	SH		SOLE		12,170	0	0
QUALCOMM Inc	COM	747525103	41,986	248	SH		DFND		200	0	48
QUALCOMM Inc	COM	747525103	372,121	2,198	SH		SOLE		2,198	0	0
ROPER INDUSTRIES INC	COM	776696106	540,089	963	SH		SOLE		963	0	0
RTX Corp	COM	75513E101	213,883	2,193	SH		DFND		2,193	0	0
RTX Corp	COM	75513E101	7,418,229	76,061	SH		SOLE		71,411	0	4,650
Ross Stores Inc	COM	778296103	1,159,698	7,902	SH		SOLE		7,902	0	0
SALESFORCE.COM INC	COM	79466L302	363,825	1,208	SH		SOLE		1,208	0	0
SANDSTORM GOLD LTD	COM NEW	80013R206	84,000	16,000	SH		SOLE		16,000	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	79,700	858	SH		DFND		858	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,563,392	27,596	SH		SOLE		26,911	0	685
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	11,247	54	SH		DFND		0	0	54
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	369,263	1,773	SH		SOLE		1,773	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	319,322	4,864	SH		DFND		4,864	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	4,637,647	70,642	SH		SOLE		65,727	0	4,915
SPDR GOLD TRUST	GOLD SHS	78463V107	97,923	476	SH		DFND		476	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	287,802	1,399	SH		SOLE		1,399	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	94,474	2,890	SH		DFND		2,890	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	4,942,107	151,181	SH		SOLE		151,181	0	0
SSgA Funds Management Inc	PORTFLI INTRMDIT	78464A672	97,756	3,469	SH		DFND		3,469	0	0
SSgA Funds Management Inc	PORTFLI INTRMDIT	78464A672	5,987,376	212,469	SH		SOLE		212,469	0	0
STARBUCKS CORP	COM	855244109	135,257	1,480	SH		DFND		1,449	0	31
STARBUCKS CORP	COM	855244109	4,891,467	53,523	SH		SOLE		49,723	0	3,800
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	161,410	6,283	SH		DFND		6,283	0	0
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	4,563,957	177,655	SH		SOLE		177,655	0	0
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	202,530	364	SH		SOLE		364	0	0
Sibanye Stillwater Ltd	SPONSORED ADR	82575P107	129,525	27,500	SH		SOLE		27,500	0	0
Skeena Resources Ltd	COM	83056P715	124,740	27,000	SH		SOLE		27,000	0	0
Sprott Asset Management CEFs	TR UNIT	85207K107	534,680	64,497	SH		SOLE		64,497	0	0
Sprott ETF Trust	URANIUM MINERS E	85208P303	306,880	6,226	SH		SOLE		6,226	0	0
Sprott ETF Trust	JUNIOR URANIUM	85208P808	886,998	34,880	SH		SOLE		34,880	0	0
Starwood Property Trust Inc	COM	85571B105	3,476	171	SH		DFND		171	0	0
Starwood Property Trust Inc	COM	85571B105	711,570	35,001	SH		SOLE		35,001	0	0
State Street ETF/USA	TR UNIT	78462F103	227,535	435	SH		DFND		435	0	0
State Street ETF/USA	TR UNIT	78462F103	5,669,556	10,839	SH		SOLE		10,839	0	0
State Street ETF/USA	BLOOMBERG HIGH Y	78468R622	21,420	225	SH		DFND		225	0	0
State Street ETF/USA	BLOOMBERG HIGH Y	78468R622	3,030,216	31,830	SH		SOLE		31,830	0	0
State Street ETF/USA	NUVEEN BLMBRG SH	78468R739	350,392	7,386	SH		DFND		7,386	0	0
State Street ETF/USA	NUVEEN BLMBRG SH	78468R739	24,286,386	511,939	SH		SOLE		511,939	0	0
Stryker Corp	COM	863667101	208,280	582	SH		SOLE		582	0	0
TEXAS INSTRUMENTS	COM	882508104	556,253	3,193	SH		SOLE		3,193	0	0
TRAVELERS CO INC	COM	89417E109	585,246	2,543	SH		SOLE		2,543	0	0
TSMC	SPONSORED ADS	874039100	243,121	1,787	SH		SOLE		1,787	0	0
Target Corp	COM	87612E106	2,304	13	SH		DFND		0	0	13
Target Corp	COM	87612E106	613,855	3,464	SH		SOLE		3,464	0	0
Tesla Inc	COM	88160R101	91,235	519	SH		DFND		519	0	0
Tesla Inc	COM	88160R101	432,971	2,463	SH		SOLE		2,463	0	0
Tetra Tech Inc	COM	88162G103	205,952	1,115	SH		SOLE		1,115	0	0
Thermo Fisher Scientific Inc	COM	883556102	891,576	1,534	SH		SOLE		1,534	0	0
Tyson Foods Inc	CL A	902494103	2,995	51	SH		DFND		0	0	51
Tyson Foods Inc	CL A	902494103	229,223	3,903	SH		SOLE		3,903	0	0
UTD PARCEL SERV	CL B	911312106	161,709	1,088	SH		DFND		1,088	0	0
UTD PARCEL SERV	CL B	911312106	6,088,925	40,967	SH		SOLE		37,797	0	3,170
Union Pacific Corp	COM	907818108	512,518	2,084	SH		DFND		2,084	0	0
Union Pacific Corp	COM	907818108	197,482	803	SH		SOLE		803	0	0
United Rentals Inc	COM	911363109	861,005	1,194	SH		SOLE		1,194	0	0
UnitedHealth Group Inc	COM	91324P102	4,452	9	SH		DFND		0	0	9
UnitedHealth Group Inc	COM	91324P102	1,146,715	2,318	SH		SOLE		2,318	0	0
Uranium Energy Corp	COM	916896103	304,088	45,050	SH		SOLE		45,050	0	0
Uranium Royalty Corp	COM	91702V101	94,405	39,500	SH		SOLE		39,500	0	0
VANGUARD	S&P 500 ETF SHS	922908363	467,721	973	SH		SOLE		973	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	835,989	4,578	SH		SOLE		4,578	0	0
VANGUARD ETF/USA	VG TL INTL STK F	921909768	2,690,104	44,612	SH		SOLE		44,612	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	1,945,848	25,807	SH		SOLE		25,807	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	256,510	6,141	SH		DFND		6,141	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	13,227,515	316,675	SH		SOLE		305,770	0	10,905
VANGUARD ETF/USA	INF TECH ETF	92204A702	3,146	6	SH		DFND		0	0	6
VANGUARD ETF/USA	INF TECH ETF	92204A702	723,065	1,379	SH		SOLE		1,379	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	34,094	441	SH		DFND		441	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	3,183,703	41,181	SH		SOLE		41,181	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	302,211	1,575	SH		DFND		1,575	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	11,657,478	60,754	SH		SOLE		59,584	0	1,170
VANGUARD ETF/USA	TOTAL STK MKT	922908769	1,422,173	5,472	SH		DFND		5,472	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	7,413,648	28,525	SH		SOLE		28,525	0	0
VANGUARD GROUP INC/THE	TOTAL INT BD ETF	92203J407	1,038,991	21,122	SH		SOLE		21,122	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	19,358	160	SH		DFND		160	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	1,278,743	10,569	SH		SOLE		10,569	0	0
VERIZON COMMUN	COM	92343V104	566,922	13,511	SH		SOLE		13,511	0	0
VISA INC	COM CL A	92826C839	175,262	628	SH		DFND		628	0	0
VISA INC	COM CL A	92826C839	4,529,468	16,230	SH		SOLE		16,230	0	0
VanEck ETFs/USA	INTRMDT MUNI ETF	92189H201	1,387,812	29,839	SH		DFND		29,839	0	0
VanEck ETFs/USA	INTRMDT MUNI ETF	92189H201	46,994,262	1,010,412	SH		SOLE		1,010,412	0	0
Vanguard ETF/USA	500 GRTH IDX F	921932505	1,881,584	6,175	SH		SOLE		6,175	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	229,366	3,158	SH		DFND		3,158	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	12,787,819	176,068	SH		SOLE		176,068	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	3,662	73	SH		DFND		73	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	524,477	10,454	SH		SOLE		10,454	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	136,292	1,576	SH		DFND		1,576	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	4,339,480	50,179	SH		SOLE		46,619	0	3,560
Vanguard ETF/USA	SML CP GRW ETF	922908595	303,478	1,164	SH		DFND		1,164	0	0
Vanguard ETF/USA	SML CP GRW ETF	922908595	11,708,935	44,910	SH		SOLE		44,075	0	835
Vanguard ETF/USA	GROWTH ETF	922908736	1,098,342	3,191	SH		DFND		3,191	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	61,146,442	177,648	SH		SOLE		177,648	0	0
Vanguard ETF/USA	VALUE ETF	922908744	1,110,542	6,819	SH		DFND		6,819	0	0
Vanguard ETF/USA	VALUE ETF	922908744	61,702,768	378,870	SH		SOLE		378,870	0	0
Vanguard Group Inc/The	LARGE CAP ETF	922908637	568,231	2,370	SH		SOLE		2,370	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	17,352	99	SH		DFND		99	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	775,394	4,424	SH		SOLE		4,424	0	0
Vizsla Silver Corp	None	92859G202	39,900	30,000	SH		SOLE		30,000	0	0
WASTE MANAGEMENT	COM	94106L109	2,984	14	SH		DFND		14	0	0
WASTE MANAGEMENT	COM	94106L109	694,656	3,259	SH		SOLE		3,259	0	0
WEC Energy Group Inc	COM	92939U106	164,240	2,000	SH		DFND		2,000	0	0
WEC Energy Group Inc	COM	92939U106	74,893	912	SH		SOLE		912	0	0
WELLS FARGO & CO	COM	949746101	2,898	50	SH		DFND		0	0	50
WELLS FARGO & CO	COM	949746101	2,657,350	45,848	SH		SOLE		45,848	0	0
Walmart Inc	COM	931142103	284,123	4,722	SH		DFND		4,419	0	303
Walmart Inc	COM	931142103	6,284,937	104,453	SH		SOLE		99,443	0	5,010
Walt Disney Co/The	COM	254687106	544,991	4,454	SH		SOLE		4,454	0	0
i-80 Gold Corp	COM	44955L106	60,300	45,000	SH		SOLE		45,000	0	0
iShares ETFs/USA	7-10 YR TRSY BD	464287440	293,635	3,102	SH		SOLE		3,102	0	0
iShares ETFs/USA	MSCI EAFE ETF	464287465	221,771	2,777	SH		SOLE		2,777	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	1,514	18	SH		DFND		18	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	366,548	4,359	SH		SOLE		4,359	0	0
iShares ETFs/USA	S&P MC 400GR ETF	464287606	285,886	3,133	SH		SOLE		3,133	0	0
iShares ETFs/USA	RUS 1000 ETF	464287622	462,864	1,607	SH		SOLE		1,607	0	0
iShares ETFs/USA	CORE S&P SCP ETF	464287804	298,846	2,704	SH		SOLE		2,704	0	0
iShares ETFs/USA	MSCI ACWI EX US	464288240	112,920	2,115	SH		DFND		2,115	0	0
iShares ETFs/USA	MSCI ACWI EX US	464288240	700,851	13,127	SH		SOLE		13,127	0	0
iShares ETFs/USA	JPMORGAN USD EMG	464288281	21,072	235	SH		DFND		235	0	0
iShares ETFs/USA	JPMORGAN USD EMG	464288281	2,799,139	31,216	SH		SOLE		31,216	0	0
iShares ETFs/USA	GLB INFRASTR ETF	464288372	86,478	1,816	SH		DFND		1,816	0	0
iShares ETFs/USA	GLB INFRASTR ETF	464288372	6,846,708	143,778	SH		SOLE		143,778	0	0
iShares ETFs/USA	MBS ETF	464288588	133,085	1,440	SH		DFND		1,440	0	0
iShares ETFs/USA	MBS ETF	464288588	8,741,546	94,585	SH		SOLE		89,675	0	4,910
iShares ETFs/USA	EAFE GRWTH ETF	464288885	730,993	7,043	SH		DFND		7,043	0	0
iShares ETFs/USA	EAFE GRWTH ETF	464288885	34,977,438	337,002	SH		SOLE		324,632	0	12,370
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	323,538	3,871	SH		SOLE		3,871	0	0
iShares ETFs/USA	ESG AWR MSCI EM	46434G863	201,276	6,245	SH		SOLE		6,245	0	0