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	201,359	1,473	SH		DFND		1,473	0	0
3M Co	COM	88579Y101	1,512,449	11,064	SH		SOLE		11,064	0	0
ADAMS EXPRESS COMPANY	COM	006212104	24,578	1,140	SH		DFND		1,140	0	0
ADAMS EXPRESS COMPANY	COM	006212104	4,971,326	230,581	SH		SOLE		230,581	0	0
ALPHABET INC	CAP STK CL A	02079K305	551,617	3,326	SH		DFND		3,296	0	30
ALPHABET INC	CAP STK CL A	02079K305	12,621,185	76,100	SH		SOLE		71,785	0	4,315
ALTRIA GROUP INC	COM	02209S103	231,364	4,533	SH		SOLE		4,533	0	0
AMBEV SA	SPONSORED ADR	02319V103	25,823	10,583	SH		SOLE		10,583	0	0
AMER EXPRESS CO	COM	025816109	469,176	1,730	SH		DFND		1,730	0	0
AMER EXPRESS CO	COM	025816109	1,111,649	4,099	SH		SOLE		4,099	0	0
ANALOG DEVICES INC	COM	032654105	3,913	17	SH		DFND		0	0	17
ANALOG DEVICES INC	COM	032654105	441,006	1,916	SH		SOLE		1,916	0	0
APPLIED MATERIALS	COM	038222105	870,633	4,309	SH		SOLE		4,309	0	0
ASE Technology Holding Co Ltd	SPONSORED ADS	00215W100	147,835	15,147	SH		SOLE		15,147	0	0
ASP Isotopes Inc	COM	00218A105	135,578	48,769	SH		SOLE		48,769	0	0
AT&T INC	COM	00206R102	440,000	20,000	SH		DFND		20,000	0	0
AT&T INC	COM	00206R102	317,394	14,427	SH		SOLE		14,427	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	19,648	71	SH		DFND		71	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	247,673	895	SH		SOLE		895	0	0
AVERY DENNISON CORP	COM	053611109	302,220	1,369	SH		SOLE		1,369	0	0
AbbVie Inc	COM	00287Y109	204,787	1,037	SH		DFND		887	0	150
AbbVie Inc	COM	00287Y109	5,982,262	30,293	SH		SOLE		28,618	0	1,675
Abbott Laboratories	COM	002824100	14,821	130	SH		DFND		30	0	100
Abbott Laboratories	COM	002824100	598,895	5,253	SH		SOLE		5,253	0	0
Accenture PLC	SHS CLASS A	G1151C101	3,181	9	SH		DFND		9	0	0
Accenture PLC	SHS CLASS A	G1151C101	568,749	1,609	SH		SOLE		1,299	0	310
Adobe Inc	COM	00724F101	22,782	44	SH		DFND		44	0	0
Adobe Inc	COM	00724F101	223,681	432	SH		SOLE		432	0	0
Aflac Inc	COM	001055102	364,692	3,262	SH		SOLE		3,262	0	0
Agree Realty Corp	COM	008492100	9,190	122	SH		DFND		122	0	0
Agree Realty Corp	COM	008492100	1,826,150	24,242	SH		SOLE		24,242	0	0
Alliant Energy Corp	COM	018802108	57,716	951	SH		DFND		900	0	51
Alliant Energy Corp	COM	018802108	328,064	5,406	SH		SOLE		5,406	0	0
Alphabet Inc	CAP STK CL C	02079K107	71,725	429	SH		DFND		429	0	0
Alphabet Inc	CAP STK CL C	02079K107	2,501,664	14,963	SH		SOLE		14,963	0	0
Amazon.com Inc	COM	023135106	222,105	1,192	SH		DFND		1,192	0	0
Amazon.com Inc	COM	023135106	9,116,754	48,928	SH		SOLE		46,878	0	2,050
American Electric Power Co Inc	COM	025537101	41,040	400	SH		DFND		400	0	0
American Electric Power Co Inc	COM	025537101	243,162	2,370	SH		SOLE		2,370	0	0
Ameriprise Financial Inc	COM	03076C106	162,554	346	SH		DFND		346	0	0
Ameriprise Financial Inc	COM	03076C106	101,009	215	SH		SOLE		215	0	0
Amgen Inc	COM	031162100	264,857	822	SH		DFND		809	0	13
Amgen Inc	COM	031162100	8,504,411	26,394	SH		SOLE		24,719	0	1,675
Amplify Investments LLC	AMPLIFY JUNIOR S	032108649	277,870	21,557	SH		SOLE		21,557	0	0
Apple Inc	COM	037833100	832,509	3,573	SH		DFND		3,291	0	282
Apple Inc	COM	037833100	24,134,606	103,582	SH		SOLE		99,332	0	4,250
Archer-Daniels-Midland Co	COM	039483102	242,843	4,065	SH		SOLE		4,065	0	0
Assurant Inc	COM	04621X108	540,104	2,716	SH		DFND		2,716	0	0
BADGER METER INC	COM	056525108	283,933	1,300	SH		SOLE		1,300	0	0
BK OF AMERICA CORP	COM	060505104	148,483	3,742	SH		DFND		3,550	0	192
BK OF AMERICA CORP	COM	060505104	449,178	11,320	SH		SOLE		11,320	0	0
BLACKSTONE SECD LN	COMMON STOCK	09261X102	11,892	406	SH		DFND		406	0	0
BLACKSTONE SECD LN	COMMON STOCK	09261X102	2,656,749	90,705	SH		SOLE		90,705	0	0
BOEING CO	COM	097023105	5,169	34	SH		DFND		0	0	34
BOEING CO	COM	097023105	332,511	2,187	SH		SOLE		2,187	0	0
BRISTOL-MYRS SQUIB	COM	110122108	3,777	73	SH		DFND		0	0	73
BRISTOL-MYRS SQUIB	COM	110122108	327,618	6,332	SH		SOLE		6,332	0	0
BUNGE GLOBAL SA	COM SHS	H11356104	323,068	3,343	SH		SOLE		3,343	0	0
Bank OZK	COM	06417N103	227,331	5,288	SH		SOLE		5,288	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	6,904	15	SH		DFND		15	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	4,933,527	10,719	SH		SOLE		10,719	0	0
BlackRock Fund Advisors	7-10 YR TRSY BD	464287440	375,603	3,828	SH		SOLE		3,828	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	282,777	3,076	SH		SOLE		3,076	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	287,956	2,462	SH		SOLE		2,462	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	2,821,362	26,569	SH		SOLE		26,569	0	0
BlackRock Fund Advisors	MSCI ACWI EX US	464288240	121,020	2,115	SH		DFND		2,115	0	0
BlackRock Fund Advisors	MSCI ACWI EX US	464288240	661,692	11,564	SH		SOLE		11,564	0	0
BlackRock Fund Advisors	EAFE GRWTH ETF	464288885	766,360	7,119	SH		DFND		7,119	0	0
BlackRock Fund Advisors	EAFE GRWTH ETF	464288885	36,686,905	340,798	SH		SOLE		328,023	0	12,775
BlackRock Fund Advisors	ESG AWR MSCI EM	46434G863	284,653	7,818	SH		SOLE		7,818	0	0
BlackRock Fund Advisors	BLACKROCK ULTRA	46434V878	228,026	4,494	SH		DFND		4,494	0	0
BlackRock Fund Advisors	BLACKROCK ULTRA	46434V878	3,864,714	76,167	SH		SOLE		76,167	0	0
BlackRock Inc	COM	09247X101	197,498	208	SH		DFND		208	0	0
BlackRock Inc	COM	09247X101	6,606,691	6,958	SH		SOLE		6,513	0	445
Boston Scientific Corp	COM	101137107	429,391	5,124	SH		SOLE		5,124	0	0
Broadcom Inc	COM	11135F101	447,465	2,594	SH		DFND		2,594	0	0
Broadcom Inc	COM	11135F101	12,344,790	71,564	SH		SOLE		67,014	0	4,550
Brunswick Corp/DE	COM	117043109	232,601	2,775	SH		SOLE		2,775	0	0
CACI International Inc	CL A	127190304	302,736	600	SH		SOLE		600	0	0
CHUBB LIMITED COM	COM	H1467J104	345,203	1,197	SH		SOLE		1,197	0	0
CISCO SYSTEMS	COM	17275R102	169,080	3,177	SH		DFND		3,017	0	160
CISCO SYSTEMS	COM	17275R102	5,899,224	110,846	SH		SOLE		103,436	0	7,410
COLGATE-PALMOLIVE	COM	194162103	433,822	4,179	SH		SOLE		4,179	0	0
COLUMBIA MANAGEMENT INVESTMENT ADVISERS LLC	COM	895436103	36,740	1,112	SH		DFND		1,112	0	0
COLUMBIA MANAGEMENT INVESTMENT ADVISERS LLC	COM	895436103	7,354,572	222,596	SH		SOLE		222,596	0	0
CONOCOPHILLIPS	COM	20825C104	21,161	201	SH		DFND		201	0	0
CONOCOPHILLIPS	COM	20825C104	740,434	7,033	SH		SOLE		7,033	0	0
CVS Health Corp	COM	126650100	6,477	103	SH		DFND		0	0	103
CVS Health Corp	COM	126650100	228,443	3,633	SH		SOLE		3,633	0	0
Caterpillar Inc	COM	149123101	466,606	1,193	SH		SOLE		1,193	0	0
Chevron Corp	COM	166764100	467,435	3,174	SH		DFND		3,148	0	26
Chevron Corp	COM	166764100	7,526,822	51,109	SH		SOLE		48,009	0	3,100
Cigna Group/The	COM	125523100	4,504	13	SH		DFND		0	0	13
Cigna Group/The	COM	125523100	276,113	797	SH		SOLE		797	0	0
Coca-Cola Co/The	COM	191216100	63,381	882	SH		DFND		682	0	200
Coca-Cola Co/The	COM	191216100	2,157,668	30,026	SH		SOLE		26,001	0	4,025
Comcast Corp	CL A	20030N101	62,404	1,494	SH		DFND		1,494	0	0
Comcast Corp	CL A	20030N101	574,129	13,745	SH		SOLE		13,745	0	0
Costco Wholesale Corp	COM	22160K105	183,510	207	SH		DFND		207	0	0
Costco Wholesale Corp	COM	22160K105	4,930,824	5,562	SH		SOLE		5,562	0	0
DEERE & CO	COM	244199105	208,665	500	SH		DFND		500	0	0
DEERE & CO	COM	244199105	620,152	1,486	SH		SOLE		1,486	0	0
DUKE ENERGY CORP	COM NEW	26441C204	67,220	583	SH		DFND		583	0	0
DUKE ENERGY CORP	COM NEW	26441C204	227,372	1,972	SH		SOLE		1,972	0	0
Danaher Corp	COM	235851102	35,865	129	SH		DFND		129	0	0
Danaher Corp	COM	235851102	609,976	2,194	SH		SOLE		2,194	0	0
Denison Mines Corp	COM	248356107	340,380	186,000	SH		SOLE		186,000	0	0
Dimensional Fund Advisors LP	US SMALL CAP ETF	25434V500	686,932	10,591	SH		SOLE		10,591	0	0
Duff & Phelps Closed-End Funds	COM	23325P104	144,947	14,437	SH		SOLE		14,437	0	0
Eaton Corp PLC	SHS	G29183103	213,116	643	SH		SOLE		643	0	0
Eli Lilly & Co	COM	532457108	45,183	51	SH		DFND		51	0	0
Eli Lilly & Co	COM	532457108	638,763	721	SH		SOLE		721	0	0
Encore Energy Corp	COM NEW	29259W700	511,662	126,649	SH		SOLE		126,649	0	0
Energy Transfer LP	COM UT LTD PTN	29273V100	279,511	17,415	SH		SOLE		17,415	0	0
Exxon Mobil Corp	COM	30231G102	196,578	1,677	SH		DFND		1,625	0	52
Exxon Mobil Corp	COM	30231G102	2,435,363	20,776	SH		SOLE		20,776	0	0
FIRST SOLAR INC	COM	336433107	200,550	804	SH		SOLE		804	0	0
FLEXSHARES TR	MORNSTAR USMKT	33939L100	645,118	3,031	SH		SOLE		3,031	0	0
Franklin LibertyShares ETFs/US	INCOME EQT FOCUS	35473P504	328,125	5,638	SH		DFND		5,638	0	0
Franklin LibertyShares ETFs/US	INCOME EQT FOCUS	35473P504	15,825,910	271,928	SH		SOLE		271,330	0	598
GENERAL MILLS INC	COM	370334104	359,576	4,869	SH		SOLE		4,869	0	0
GOLDMAN SACHS GRP	COM	38141G104	2,476	5	SH		DFND		5	0	0
GOLDMAN SACHS GRP	COM	38141G104	1,016,461	2,053	SH		SOLE		2,053	0	0
General Electric Co	COM NEW	369604301	61,289	325	SH		DFND		262	0	63
General Electric Co	COM NEW	369604301	342,273	1,815	SH		SOLE		1,815	0	0
Gilead Sciences Inc	COM	375558103	239,447	2,856	SH		SOLE		2,856	0	0
HUMANA INC	COM	444859102	6,335	20	SH		DFND		0	0	20
HUMANA INC	COM	444859102	195,429	617	SH		SOLE		617	0	0
Heartland Financial USA Inc	COM	42234Q102	601,474	10,608	SH		DFND		0	0	10,608
Heartland Financial USA Inc	COM	42234Q102	65,580,184	1,156,617	SH		SOLE		1	0	1,156,617
Home Depot Inc/The	COM	437076102	76,178	188	SH		DFND		188	0	0
Home Depot Inc/The	COM	437076102	4,715,312	11,637	SH		SOLE		10,187	0	1,450
Honeywell International Inc	COM	438516106	1,860	9	SH		DFND		9	0	0
Honeywell International Inc	COM	438516106	1,059,802	5,127	SH		SOLE		5,127	0	0
Hubbell Inc	COM	443510607	1,280,338	2,989	SH		SOLE		2,989	0	0
ILLINOIS TOOL WKS	COM	452308109	8,648	33	SH		DFND		33	0	0
ILLINOIS TOOL WKS	COM	452308109	214,897	820	SH		SOLE		820	0	0
INDEXIQ ETF TRUST/USA	HEDGE MLTI ETF	45409B107	349,608	10,898	SH		DFND		10,898	0	0
INDEXIQ ETF TRUST/USA	HEDGE MLTI ETF	45409B107	19,105,340	595,553	SH		SOLE		594,159	0	1,394
ING Groep NV	SPONSORED ADR	456837103	5,596,894	308,199	SH		SOLE		308,199	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	424,893	2,645	SH		SOLE		2,645	0	0
INTL BUSINESS MCHN	COM	459200101	22,108	100	SH		DFND		0	0	100
INTL BUSINESS MCHN	COM	459200101	495,440	2,241	SH		SOLE		2,241	0	0
ISHARES	S&P 100 ETF	464287101	10,240	37	SH		DFND		37	0	0
ISHARES	S&P 100 ETF	464287101	213,105	770	SH		SOLE		770	0	0
ISHARES	CORE S&P500 ETF	464287200	494,335	857	SH		DFND		857	0	0
ISHARES	CORE S&P500 ETF	464287200	5,096,205	8,835	SH		SOLE		8,835	0	0
ISHARES	S&P 500 GRWT ETF	464287309	492,921	5,148	SH		SOLE		5,148	0	0
ISHARES	S&P 500 VAL ETF	464287408	83,797	425	SH		DFND		425	0	0
ISHARES	S&P 500 VAL ETF	464287408	256,913	1,303	SH		SOLE		1,303	0	0
ISHARES	RUSSELL 2000 ETF	464287655	11,486	52	SH		DFND		52	0	0
ISHARES	RUSSELL 2000 ETF	464287655	846,230	3,831	SH		SOLE		3,831	0	0
ISHARES	EAFE VALUE ETF	464288877	782,811	13,607	SH		DFND		13,607	0	0
ISHARES	EAFE VALUE ETF	464288877	36,965,614	642,545	SH		SOLE		618,906	0	23,639
ISHARES	CORE MSCI EAFE	46432F842	242,423	3,106	SH		SOLE		3,106	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	782,192	9,293	SH		SOLE		9,293	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	301,136	5,900	SH		SOLE		5,900	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	281,795	3,389	SH		DFND		3,389	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	6,289,882	75,645	SH		SOLE		71,230	0	4,415
ISHARES TRUST	GLOBAL MATER ETF	464288695	68,168	731	SH		DFND		731	0	0
ISHARES TRUST	GLOBAL MATER ETF	464288695	1,811,434	19,425	SH		SOLE		18,715	0	710
ISHARES/USA	RUS 1000 GRW ETF	464287614	213,591	569	SH		SOLE		569	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	1,098,575	10,113	SH		SOLE		10,113	0	0
Industrial Logistics Propertie	COM SHS BEN INT	456237106	254,960	53,563	SH		DFND		53,563	0	0
Industrial Logistics Propertie	COM SHS BEN INT	456237106	5,212,200	1,095,000	SH		SOLE		1,095,000	0	0
Intel Corp	COM	458140100	284,664	12,134	SH		SOLE		12,134	0	0
Invesco Capital Management LLC	DIVID ACHIEVEV	46137V506	744,800	16,000	SH		SOLE		16,000	0	0
Invesco Capital Management LLC	INTL DIVI ACHI	46137V548	288,788	14,600	SH		SOLE		14,600	0	0
Invesco Capital Management LLC	S&P INTL LOW	46138E230	137,438	4,518	SH		DFND		4,518	0	0
Invesco Capital Management LLC	S&P INTL LOW	46138E230	8,678,583	285,292	SH		SOLE		284,442	0	850
Invesco Capital Management LLC	SHORT TERM TREAS	46138G888	128,377	1,215	SH		DFND		1,215	0	0
Invesco Capital Management LLC	SHORT TERM TREAS	46138G888	5,620,267	53,192	SH		SOLE		53,192	0	0
Itau Unibanco Holding SA	SPON ADR REP PFD	465562106	68,076	10,237	SH		SOLE		10,237	0	0
JP Morgan ETFs/USA	ULTRA SHT MUNCPL	46641Q654	415,772	8,162	SH		SOLE		8,162	0	0
JP Morgan ETFs/USA	INTL BD OPP ETF	46641Q852	1,049,440	21,569	SH		SOLE		21,569	0	0
JP Morgan Investment Management Inc	EQUITY PREMIUM	46641Q332	379,257	6,373	SH		DFND		6,373	0	0
JP Morgan Investment Management Inc	EQUITY PREMIUM	46641Q332	17,525,874	294,503	SH		SOLE		288,966	0	5,537
JPMorgan Chase & Co	COM	46625H100	375,963	1,783	SH		DFND		1,755	0	28
JPMorgan Chase & Co	COM	46625H100	10,317,169	48,929	SH		SOLE		46,644	0	2,285
Johnson & Johnson	COM	478160104	202,575	1,250	SH		DFND		1,215	0	35
Johnson & Johnson	COM	478160104	8,421,124	51,963	SH		SOLE		48,948	0	3,015
KIMBERLY-CLARK CP	COM	494368103	76,120	535	SH		DFND		500	0	35
KIMBERLY-CLARK CP	COM	494368103	278,157	1,955	SH		SOLE		1,955	0	0
KLA Corp	COM NEW	482480100	320,606	414	SH		SOLE		414	0	0
LOWE'S COS INC	COM	548661107	274,100	1,012	SH		DFND		997	0	15
LOWE'S COS INC	COM	548661107	6,360,100	23,482	SH		SOLE		23,482	0	0
Linde PLC	SHS	G54950103	500,703	1,050	SH		SOLE		1,050	0	0
Lockheed Martin Corp	COM	539830109	329,692	564	SH		SOLE		564	0	0
MARSH & MCLENNAN	COM	571748102	3,123	14	SH		DFND		14	0	0
MARSH & MCLENNAN	COM	571748102	286,671	1,285	SH		SOLE		1,285	0	0
MASTERCARD INC	CL A	57636Q104	612,312	1,240	SH		SOLE		1,240	0	0
MCDONALD'S CORP	COM	580135101	48,722	160	SH		DFND		100	0	60
MCDONALD'S CORP	COM	580135101	2,849,605	9,358	SH		SOLE		8,553	0	805
MCKESSON CORP	COM	58155Q103	360,432	729	SH		SOLE		729	0	0
METLIFE INC	COM	59156R108	404,647	4,906	SH		SOLE		4,906	0	0
MICROSOFT CORP	COM	594918104	492,263	1,144	SH		DFND		1,121	0	23
MICROSOFT CORP	COM	594918104	20,977,125	48,750	SH		SOLE		46,855	0	1,895
MOODYS CORP	COM	615369105	563,813	1,188	SH		SOLE		1,188	0	0
MORGAN STANLEY	COM NEW	617446448	26,477	254	SH		DFND		254	0	0
MORGAN STANLEY	COM NEW	617446448	2,488,938	23,877	SH		SOLE		20,392	0	3,485
Medtronic PLC	SHS	G5960L103	140,177	1,557	SH		DFND		1,557	0	0
Medtronic PLC	SHS	G5960L103	5,156,828	57,279	SH		SOLE		52,294	0	4,985
Merck & Co Inc	COM	58933Y105	42,699	376	SH		DFND		238	0	138
Merck & Co Inc	COM	58933Y105	663,531	5,843	SH		SOLE		5,843	0	0
Meta Platforms Inc	CL A	30303M102	62,968	110	SH		DFND		110	0	0
Meta Platforms Inc	CL A	30303M102	732,151	1,279	SH		SOLE		1,279	0	0
Metalla Royalty & Streaming Lt	COM NEW	59124U605	46,350	15,000	SH		SOLE		15,000	0	0
Mondelez International Inc	CL A	609207105	587,960	7,981	SH		SOLE		7,981	0	0
NEXTERA ENERGY	COM	65339F101	253,590	3,000	SH		DFND		3,000	0	0
NEXTERA ENERGY	COM	65339F101	504,560	5,969	SH		SOLE		5,969	0	0
NORDIC AMER TANKER	COM	G65773106	183,500	50,000	SH		DFND		50,000	0	0
NORTHROP GRUMMAN	COM	666807102	308,393	584	SH		SOLE		584	0	0
NVIDIA Corp	COM	67066G104	86,222	710	SH		DFND		710	0	0
NVIDIA Corp	COM	67066G104	959,740	7,903	SH		SOLE		7,903	0	0
NexGen Energy Ltd	COM	65340P106	357,276	54,713	SH		SOLE		54,713	0	0
Norfolk Southern Corp	COM	655844108	323,050	1,300	SH		DFND		1,300	0	0
Norfolk Southern Corp	COM	655844108	260,428	1,048	SH		SOLE		1,048	0	0
Nuveen Fund Advisors LLC	COM	6706ER101	831,940	60,637	SH		SOLE		60,637	0	0
Nuveen Fund Advisors LLC	COM	67073B106	126,562	15,683	SH		SOLE		15,683	0	0
Nuveen Fund Advisors LLC	NUVEEN ESG LRGCP	67092P201	682,606	8,261	SH		SOLE		8,261	0	0
Nuveen Fund Advisors LLC	NUVEEN ESG LRGVL	67092P300	835,485	20,026	SH		SOLE		20,026	0	0
ORACLE CORP	COM	68389X105	347,616	2,040	SH		DFND		2,019	0	21
ORACLE CORP	COM	68389X105	9,472,536	55,590	SH		SOLE		52,030	0	3,560
PEPSICO INC	COM	713448108	146,923	864	SH		DFND		821	0	43
PEPSICO INC	COM	713448108	3,065,151	18,025	SH		SOLE		18,025	0	0
PNC Financial Services Group I	COM	693475105	190,580	1,031	SH		DFND		1,010	0	21
PNC Financial Services Group I	COM	693475105	97,046	525	SH		SOLE		525	0	0
PROGRESSIVE CP(OH)	COM	743315103	200,217	789	SH		SOLE		789	0	0
Palo Alto Networks Inc	COM	697435105	505,180	1,478	SH		SOLE		1,478	0	0
PetMed Express Inc	COM	716382106	220,800	60,000	SH		DFND		60,000	0	0
Pfizer Inc	COM	717081103	8,885	307	SH		DFND		0	0	307
Pfizer Inc	COM	717081103	783,927	27,088	SH		SOLE		27,088	0	0
Pinnacle West Capital Corp	COM	723484101	265,770	3,000	SH		SOLE		3,000	0	0
Postal Realty Trust Inc	CL A	73757R102	9,472	647	SH		DFND		647	0	0
Postal Realty Trust Inc	CL A	73757R102	1,957,661	133,720	SH		SOLE		133,720	0	0
ProShares ETFs/USA	None	74349Y837	220,864	5,600	SH		SOLE		5,600	0	0
Procter & Gamble Co/The	COM	742718109	161,942	935	SH		DFND		935	0	0
Procter & Gamble Co/The	COM	742718109	4,942,435	28,536	SH		SOLE		26,676	0	1,860
Prologis Inc	COM	74340W103	76,778	608	SH		DFND		608	0	0
Prologis Inc	COM	74340W103	2,286,805	18,109	SH		SOLE		16,774	0	1,335
Putnam Funds/Closed-End/USA	COM	746823103	72,912	11,200	SH		SOLE		11,200	0	0
Putnam Funds/Closed-End/USA	SH BEN INT	746853100	45,394	12,170	SH		SOLE		12,170	0	0
QUALCOMM Inc	COM	747525103	58,497	344	SH		DFND		316	0	28
QUALCOMM Inc	COM	747525103	271,060	1,594	SH		SOLE		1,594	0	0
ROPER INDUSTRIES INC	COM	776696106	535,852	963	SH		SOLE		963	0	0
RTX Corp	COM	75513E101	264,977	2,187	SH		DFND		2,187	0	0
RTX Corp	COM	75513E101	8,519,729	70,318	SH		SOLE		65,668	0	4,650
Rafferty Asset Management LLC	DAILY JR GLD MIN	25460G831	208,240	4,410	SH		SOLE		4,410	0	0
Ross Stores Inc	COM	778296103	1,189,330	7,902	SH		SOLE		7,902	0	0
Runway Growth Finance Corp	COM	78163D100	1,204	117	SH		DFND		117	0	0
Runway Growth Finance Corp	COM	78163D100	386,204	37,532	SH		SOLE		37,532	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	82,309	854	SH		DFND		854	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,417,500	25,083	SH		SOLE		24,398	0	685
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	206,695	1,342	SH		SOLE		1,342	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	12,191	54	SH		DFND		0	0	54
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	394,854	1,749	SH		SOLE		1,749	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	392,914	4,864	SH		DFND		4,864	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	5,169,274	63,992	SH		SOLE		59,077	0	4,915
SPDR GOLD TRUST	GOLD SHS	78463V107	6,320	26	SH		DFND		26	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	340,041	1,399	SH		SOLE		1,399	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	185,472	5,502	SH		DFND		5,502	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	10,460,955	310,322	SH		SOLE		310,322	0	0
SSgA Funds Management Inc	PORTFLI INTRMDIT	78464A672	1,536,751	52,882	SH		SOLE		52,882	0	0
SSgA Funds Management Inc	BLOOMBERG HIGH Y	78468R622	163,505	1,672	SH		DFND		1,672	0	0
SSgA Funds Management Inc	BLOOMBERG HIGH Y	78468R622	8,258,561	84,452	SH		SOLE		84,452	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	405,628	8,426	SH		DFND		8,426	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	30,399,784	631,487	SH		SOLE		628,472	0	3,015
STARBUCKS CORP	COM	855244109	144,285	1,480	SH		DFND		1,449	0	31
STARBUCKS CORP	COM	855244109	5,088,588	52,196	SH		SOLE		48,396	0	3,800
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	166,105	6,323	SH		DFND		6,323	0	0
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	5,089,760	193,748	SH		SOLE		193,420	0	328
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	311,034	546	SH		SOLE		546	0	0
Salesforce Inc	COM	79466L302	238,401	871	SH		SOLE		871	0	0
Solventum Corp	COM SHS	83444M101	28,934	415	SH		DFND		415	0	0
Solventum Corp	COM SHS	83444M101	192,985	2,768	SH		SOLE		2,768	0	0
Sprott Asset Management CEFs	TR UNIT	85207K107	141,106	13,503	SH		SOLE		13,503	0	0
Sprott Asset Management LP	JUNIOR URANIUM	85208P808	523,081	23,701	SH		SOLE		23,701	0	0
Starwood Property Trust Inc	COM	85571B105	3,485	171	SH		DFND		171	0	0
Starwood Property Trust Inc	COM	85571B105	677,472	33,242	SH		SOLE		33,242	0	0
State Street ETF/USA	TR UNIT	78462F103	430,894	751	SH		DFND		751	0	0
State Street ETF/USA	TR UNIT	78462F103	6,476,029	11,287	SH		SOLE		11,287	0	0
Stryker Corp	COM	863667101	218,924	606	SH		SOLE		606	0	0
TEXAS INSTRUMENTS	COM	882508104	540,181	2,615	SH		SOLE		2,615	0	0
TRAVELERS CO INC	COM	89417E109	588,344	2,513	SH		SOLE		2,513	0	0
Target Corp	COM	87612E106	2,026	13	SH		DFND		0	0	13
Target Corp	COM	87612E106	510,597	3,276	SH		SOLE		3,276	0	0
Tetra Tech Inc	COM	88162G103	248,769	5,275	SH		SOLE		5,275	0	0
Thermo Fisher Scientific Inc	COM	883556102	849,297	1,373	SH		SOLE		1,373	0	0
Tyson Foods Inc	CL A	902494103	3,038	51	SH		DFND		0	0	51
Tyson Foods Inc	CL A	902494103	230,497	3,870	SH		SOLE		3,870	0	0
UTD PARCEL SERV	CL B	911312106	148,338	1,088	SH		DFND		1,088	0	0
UTD PARCEL SERV	CL B	911312106	5,450,192	39,975	SH		SOLE		36,805	0	3,170
Union Pacific Corp	COM	907818108	415,319	1,685	SH		DFND		1,685	0	0
Union Pacific Corp	COM	907818108	190,036	771	SH		SOLE		771	0	0
United Rentals Inc	COM	911363109	1,026,738	1,268	SH		SOLE		1,268	0	0
UnitedHealth Group Inc	COM	91324P102	5,262	9	SH		DFND		0	0	9
UnitedHealth Group Inc	COM	91324P102	1,312,022	2,244	SH		SOLE		2,244	0	0
Uranium Energy Corp	COM	916896103	92,964	14,970	SH		SOLE		14,970	0	0
Uranium Royalty Corp	COM	91702V101	50,225	20,500	SH		SOLE		20,500	0	0
VANGUARD	S&P 500 ETF SHS	922908363	546,138	1,035	SH		SOLE		1,035	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	900,381	4,546	SH		SOLE		4,546	0	0
VANGUARD ETF/USA	VG TL INTL STK F	921909768	1,954,824	30,195	SH		SOLE		30,195	0	0
VANGUARD ETF/USA	INTERMED TERM	921937819	256,348	3,271	SH		SOLE		3,271	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	333,084	6,961	SH		DFND		6,961	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	14,972,552	312,906	SH		SOLE		301,615	0	11,291
VANGUARD ETF/USA	INF TECH ETF	92204A702	2,346	4	SH		DFND		0	0	4
VANGUARD ETF/USA	INF TECH ETF	92204A702	690,921	1,178	SH		SOLE		1,178	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	1,285,095	16,181	SH		SOLE		16,181	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	317,232	1,580	SH		DFND		1,580	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	12,451,171	62,014	SH		SOLE		60,756	0	1,258
VANGUARD ETF/USA	TOTAL STK MKT	922908769	1,492,820	5,272	SH		DFND		5,272	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	5,890,011	20,801	SH		SOLE		20,801	0	0
VANGUARD GROUP INC/THE	TOTAL INT BD ETF	92203J407	1,061,109	21,104	SH		SOLE		21,104	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	20,512	160	SH		DFND		160	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	1,215,849	9,484	SH		SOLE		9,484	0	0
VERIZON COMMUN	COM	92343V104	10,329	230	SH		DFND		230	0	0
VERIZON COMMUN	COM	92343V104	527,558	11,747	SH		SOLE		11,747	0	0
VISA INC	COM CL A	92826C839	191,090	695	SH		DFND		695	0	0
VISA INC	COM CL A	92826C839	4,132,773	15,031	SH		SOLE		15,031	0	0
VanEck ETFs/USA	INTRMDT MUNI ETF	92189H201	1,463,995	31,182	SH		DFND		31,182	0	0
VanEck ETFs/USA	INTRMDT MUNI ETF	92189H201	58,216,404	1,239,966	SH		SOLE		1,235,391	0	4,575
Vanguard ETF/USA	500 GRTH IDX F	921932505	2,007,516	5,814	SH		SOLE		5,814	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	373,297	4,970	SH		DFND		4,970	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	15,981,831	212,779	SH		SOLE		212,779	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	3,855	73	SH		DFND		73	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	1,017,754	19,272	SH		SOLE		19,272	0	0
Vanguard ETF/USA	ALLWRLD EX US	922042775	545,265	8,655	SH		SOLE		8,655	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	152,560	1,566	SH		DFND		1,566	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	4,420,433	45,375	SH		SOLE		41,815	0	3,560
Vanguard ETF/USA	SML CP GRW ETF	922908595	314,962	1,178	SH		DFND		1,178	0	0
Vanguard ETF/USA	SML CP GRW ETF	922908595	12,424,684	46,470	SH		SOLE		45,568	0	902
Vanguard ETF/USA	GROWTH ETF	922908736	1,174,442	3,059	SH		DFND		3,059	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	65,621,316	170,920	SH		SOLE		170,663	0	257
Vanguard ETF/USA	VALUE ETF	922908744	1,156,875	6,627	SH		DFND		6,627	0	0
Vanguard ETF/USA	VALUE ETF	922908744	65,667,648	376,168	SH		SOLE		375,619	0	549
Vanguard Group Inc/The	LARGE CAP ETF	922908637	1,333,827	5,066	SH		SOLE		5,066	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	18,017	99	SH		DFND		99	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	805,124	4,424	SH		SOLE		4,424	0	0
Vizsla Silver Corp	None	92859G608	132,480	69,000	SH		SOLE		69,000	0	0
WASTE MANAGEMENT	COM	94106L109	2,906	14	SH		DFND		14	0	0
WASTE MANAGEMENT	COM	94106L109	608,060	2,929	SH		SOLE		2,929	0	0
WEC Energy Group Inc	COM	92939U106	195,822	2,036	SH		DFND		2,000	0	36
WEC Energy Group Inc	COM	92939U106	80,695	839	SH		SOLE		839	0	0
WELLS FARGO & CO	COM	949746101	2,825	50	SH		DFND		0	0	50
WELLS FARGO & CO	COM	949746101	2,475,844	43,828	SH		SOLE		43,828	0	0
Walmart Inc	COM	931142103	402,700	4,987	SH		DFND		4,684	0	303
Walmart Inc	COM	931142103	8,043,669	99,612	SH		SOLE		94,602	0	5,010
Walt Disney Co/The	COM	254687106	367,157	3,817	SH		SOLE		3,817	0	0
Xcel Energy Inc	COM	98389B100	58,770	900	SH		DFND		900	0	0
Xcel Energy Inc	COM	98389B100	166,319	2,547	SH		SOLE		2,547	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	1,587	18	SH		DFND		18	0	0
iShares ETFs/USA	RUS MID CAP ETF	464287499	363,666	4,126	SH		SOLE		4,126	0	0
iShares ETFs/USA	RUS 1000 ETF	464287622	716,809	2,280	SH		SOLE		2,280	0	0
iShares ETFs/USA	S&P MC 400VL ETF	464287705	203,849	1,649	SH		SOLE		1,649	0	0
iShares ETFs/USA	JPMORGAN USD EMG	464288281	39,491	422	SH		DFND		422	0	0
iShares ETFs/USA	JPMORGAN USD EMG	464288281	3,529,463	37,716	SH		SOLE		37,716	0	0
iShares ETFs/USA	GLB INFRASTR ETF	464288372	75,168	1,381	SH		DFND		1,381	0	0
iShares ETFs/USA	GLB INFRASTR ETF	464288372	6,519,408	119,776	SH		SOLE		119,419	0	357
iShares ETFs/USA	MBS ETF	464288588	3,475,125	36,271	SH		SOLE		31,361	0	4,910
iShares ETFs/USA	MSCI USA MIN VOL	46429B697	388,707	4,257	SH		SOLE		4,257	0	0