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	190,150	1,473	SH		DFND		1,473	0	0
3M Co	COM	88579Y101	1,422,572	11,020	SH		SOLE		11,020	0	0
ADAMS EXPRESS COMPANY	COM	006212104	25,205	1,248	SH		DFND		1,248	0	0
ADAMS EXPRESS COMPANY	COM	006212104	4,954,014	245,248	SH		SOLE		245,248	0	0
ALPHABET INC	CAP STK CL A	02079K305	615,982	3,254	SH		DFND		3,224	0	30
ALPHABET INC	CAP STK CL A	02079K305	13,697,748	72,360	SH		SOLE		68,308	0	4,052
ALTRIA GROUP INC	COM	02209S103	237,031	4,533	SH		SOLE		4,533	0	0
AMER EXPRESS CO	COM	025816109	513,447	1,730	SH		DFND		1,730	0	0
AMER EXPRESS CO	COM	025816109	1,177,663	3,968	SH		SOLE		3,968	0	0
ANALOG DEVICES INC	COM	032654105	3,612	17	SH		DFND		0	0	17
ANALOG DEVICES INC	COM	032654105	346,310	1,630	SH		SOLE		1,630	0	0
APPLIED MATERIALS	COM	038222105	695,243	4,275	SH		SOLE		4,275	0	0
ASE Technology Holding Co Ltd	SPONSORED ADS	00215W100	135,270	13,433	SH		SOLE		13,433	0	0
AT&T INC	COM	00206R102	455,400	20,000	SH		DFND		20,000	0	0
AT&T INC	COM	00206R102	351,273	15,427	SH		SOLE		15,427	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	20,784	71	SH		DFND		71	0	0
AUTOMATIC DATA PROCESSING	COM	053015103	261,993	895	SH		SOLE		895	0	0
AVERY DENNISON CORP	COM	053611109	219,503	1,173	SH		SOLE		1,173	0	0
AbbVie Inc	COM	00287Y109	182,853	1,029	SH		DFND		879	0	150
AbbVie Inc	COM	00287Y109	5,292,439	29,783	SH		SOLE		27,849	0	1,934
Abbott Laboratories	COM	002824100	14,704	130	SH		DFND		30	0	100
Abbott Laboratories	COM	002824100	592,810	5,241	SH		SOLE		5,241	0	0
Accenture PLC	SHS CLASS A	G1151C101	3,166	9	SH		DFND		9	0	0
Accenture PLC	SHS CLASS A	G1151C101	446,422	1,269	SH		SOLE		1,269	0	0
Adobe Inc	COM	00724F101	19,566	44	SH		DFND		44	0	0
Adobe Inc	COM	00724F101	189,434	426	SH		SOLE		426	0	0
Aflac Inc	COM	001055102	337,421	3,262	SH		SOLE		3,262	0	0
Agree Realty Corp	COM	008492100	6,693	95	SH		DFND		95	0	0
Agree Realty Corp	COM	008492100	1,342,425	19,055	SH		SOLE		19,055	0	0
Alliant Energy Corp	COM	018802108	3,016	51	SH		DFND		0	0	51
Alliant Energy Corp	COM	018802108	321,497	5,436	SH		SOLE		5,436	0	0
Alphabet Inc	CAP STK CL C	02079K107	147,591	775	SH		DFND		775	0	0
Alphabet Inc	CAP STK CL C	02079K107	2,848,602	14,958	SH		SOLE		14,958	0	0
Amazon.com Inc	COM	023135106	320,968	1,463	SH		DFND		1,463	0	0
Amazon.com Inc	COM	023135106	10,406,545	47,434	SH		SOLE		45,384	0	2,050
American Electric Power Co Inc	COM	025537101	36,892	400	SH		DFND		400	0	0
American Electric Power Co Inc	COM	025537101	218,585	2,370	SH		SOLE		2,370	0	0
Ameriprise Financial Inc	COM	03076C106	184,221	346	SH		DFND		346	0	0
Ameriprise Financial Inc	COM	03076C106	114,472	215	SH		SOLE		215	0	0
Amgen Inc	COM	031162100	208,773	801	SH		DFND		788	0	13
Amgen Inc	COM	031162100	6,810,784	26,131	SH		SOLE		24,456	0	1,675
Apple Inc	COM	037833100	943,583	3,768	SH		DFND		3,486	0	282
Apple Inc	COM	037833100	24,915,538	99,495	SH		SOLE		95,930	0	3,565
Archer-Daniels-Midland Co	COM	039483102	205,364	4,065	SH		SOLE		4,065	0	0
Assurant Inc	COM	04621X108	579,106	2,716	SH		DFND		2,716	0	0
BADGER METER INC	COM	056525108	275,756	1,300	SH		SOLE		1,300	0	0
BK OF AMERICA CORP	COM	060505104	164,461	3,742	SH		DFND		3,550	0	192
BK OF AMERICA CORP	COM	060505104	468,903	10,669	SH		SOLE		10,669	0	0
BLACKSTONE SECD LN	COMMON STOCK	09261X102	13,118	406	SH		DFND		406	0	0
BLACKSTONE SECD LN	COMMON STOCK	09261X102	2,863,345	88,621	SH		SOLE		88,621	0	0
BOEING CO	COM	097023105	6,018	34	SH		DFND		0	0	34
BOEING CO	COM	097023105	477,900	2,700	SH		SOLE		2,700	0	0
BRISTOL-MYRS SQUIB	COM	110122108	4,129	73	SH		DFND		0	0	73
BRISTOL-MYRS SQUIB	COM	110122108	331,442	5,860	SH		SOLE		5,860	0	0
BUNGE GLOBAL SA	COM SHS	H11356104	259,952	3,343	SH		SOLE		3,343	0	0
Bank OZK	COM	06417N103	216,149	4,854	SH		SOLE		4,854	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	3,626	8	SH		DFND		8	0	0
Berkshire Hathaway Inc	CL B NEW	084670702	4,822,899	10,640	SH		SOLE		10,640	0	0
BlackRock Fund Advisors	7-10 YR TRSY BD	464287440	353,899	3,828	SH		SOLE		3,828	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	1,591	18	SH		DFND		18	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	353,954	4,004	SH		SOLE		4,004	0	0
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	303,524	3,338	SH		SOLE		3,338	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	718,417	2,230	SH		SOLE		2,230	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	227,302	1,819	SH		SOLE		1,819	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	286,783	2,489	SH		SOLE		2,489	0	0
BlackRock Fund Advisors	SHRT NAT MUN ETF	464288158	2,227,738	21,120	SH		SOLE		21,120	0	0
BlackRock Fund Advisors	MSCI ACWI EX US	464288240	110,318	2,115	SH		DFND		2,115	0	0
BlackRock Fund Advisors	MSCI ACWI EX US	464288240	543,768	10,425	SH		SOLE		10,425	0	0
BlackRock Fund Advisors	JPMORGAN USD EMG	464288281	37,575	422	SH		DFND		422	0	0
BlackRock Fund Advisors	JPMORGAN USD EMG	464288281	3,291,007	36,961	SH		SOLE		36,961	0	0
BlackRock Fund Advisors	GLB INFRASTR ETF	464288372	50,493	966	SH		DFND		966	0	0
BlackRock Fund Advisors	GLB INFRASTR ETF	464288372	6,090,657	116,523	SH		SOLE		115,718	0	805
BlackRock Fund Advisors	MBS ETF	464288588	4,248,451	46,340	SH		SOLE		30,630	0	15,710
BlackRock Fund Advisors	EAFE GRWTH ETF	464288885	748,205	7,727	SH		DFND		7,727	0	0
BlackRock Fund Advisors	EAFE GRWTH ETF	464288885	32,881,725	339,582	SH		SOLE		326,237	0	13,345
BlackRock Fund Advisors	MSCI USA MIN VOL	46429B697	377,979	4,257	SH		SOLE		4,257	0	0
BlackRock Fund Advisors	CORE MSCI EMKT	46434G103	310,918	5,954	SH		SOLE		5,954	0	0
BlackRock Fund Advisors	SHS BEN INT	46438F101	277,292	5,227	SH		DFND		5,227	0	0
Blackrock Inc	COM	09247X101	446,113	445	SH		SOLE		0	0	445
Boston Scientific Corp	COM	101137107	441,330	4,941	SH		SOLE		4,941	0	0
Broadcom Inc	COM	11135F101	502,165	2,166	SH		DFND		2,166	0	0
Broadcom Inc	COM	11135F101	11,778,863	50,806	SH		SOLE		47,403	0	3,403
CACI International Inc	CL A	127190304	242,436	600	SH		SOLE		600	0	0
CHUBB LIMITED COM	COM	H1467J104	297,299	1,076	SH		SOLE		1,076	0	0
CISCO SYSTEMS	COM	17275R102	186,243	3,146	SH		DFND		2,986	0	160
CISCO SYSTEMS	COM	17275R102	6,339,491	107,086	SH		SOLE		99,676	0	7,410
COLGATE-PALMOLIVE	COM	194162103	379,913	4,179	SH		SOLE		4,179	0	0
COLUMBIA MANAGEMENT INVESTMENT ADVISERS LLC	COM	895436103	35,239	1,112	SH		DFND		1,112	0	0
COLUMBIA MANAGEMENT INVESTMENT ADVISERS LLC	COM	895436103	6,863,769	216,591	SH		SOLE		216,591	0	0
CONOCOPHILLIPS	COM	20825C104	19,933	201	SH		DFND		201	0	0
CONOCOPHILLIPS	COM	20825C104	655,712	6,612	SH		SOLE		6,612	0	0
CUMMINS INC	COM	231021106	200,445	575	SH		SOLE		575	0	0
Caterpillar Inc	COM	149123101	341,357	941	SH		SOLE		941	0	0
Charles Schwab Corp/The	COM	808513105	1,554	21	SH		DFND		21	0	0
Charles Schwab Corp/The	COM	808513105	211,151	2,853	SH		SOLE		2,853	0	0
Chevron Corp	COM	166764100	412,504	2,848	SH		DFND		2,822	0	26
Chevron Corp	COM	166764100	7,384,812	50,986	SH		SOLE		47,497	0	3,489
Coca-Cola Co/The	COM	191216100	53,793	864	SH		DFND		664	0	200
Coca-Cola Co/The	COM	191216100	1,786,987	28,702	SH		SOLE		24,677	0	4,025
Comcast Corp	CL A	20030N101	56,070	1,494	SH		DFND		1,494	0	0
Comcast Corp	CL A	20030N101	515,812	13,744	SH		SOLE		13,744	0	0
Costco Wholesale Corp	COM	22160K105	186,003	203	SH		DFND		203	0	0
Costco Wholesale Corp	COM	22160K105	5,008,332	5,466	SH		SOLE		5,466	0	0
DEERE & CO	COM	244199105	211,850	500	SH		DFND		500	0	0
DEERE & CO	COM	244199105	629,618	1,486	SH		SOLE		1,486	0	0
DUKE ENERGY CORP	COM NEW	26441C204	62,812	583	SH		DFND		583	0	0
DUKE ENERGY CORP	COM NEW	26441C204	212,356	1,971	SH		SOLE		1,971	0	0
Danaher Corp	COM	235851102	29,612	129	SH		DFND		129	0	0
Danaher Corp	COM	235851102	495,598	2,159	SH		SOLE		2,159	0	0
Dell Technologies Inc	CL C	24703L202	150,388	1,305	SH		DFND		1,305	0	0
Dell Technologies Inc	CL C	24703L202	4,058,292	35,216	SH		SOLE		33,436	0	1,780
Dimensional ETF Trust	US SMALL CAP ETF	25434V500	688,677	10,582	SH		SOLE		10,582	0	0
Duff & Phelps Closed-End Funds	COM	23325P104	110,691	12,550	SH		SOLE		12,550	0	0
Eaton Corp PLC	SHS	G29183103	212,729	641	SH		SOLE		641	0	0
Eli Lilly & Co	COM	532457108	39,372	51	SH		DFND		51	0	0
Eli Lilly & Co	COM	532457108	599,844	777	SH		SOLE		777	0	0
Energy Transfer LP	COM UT LTD PTN	29273V100	341,160	17,415	SH		SOLE		17,415	0	0
Exxon Mobil Corp	COM	30231G102	180,395	1,677	SH		DFND		1,625	0	52
Exxon Mobil Corp	COM	30231G102	2,062,870	19,177	SH		SOLE		19,177	0	0
FLEXSHARES TR	MORNSTAR USMKT	33939L100	634,045	2,936	SH		SOLE		2,936	0	0
Franklin LibertyShares ETFs/US	INCOME EQT FOCUS	35473P504	257,197	4,643	SH		DFND		4,643	0	0
Franklin LibertyShares ETFs/US	INCOME EQT FOCUS	35473P504	14,668,268	264,796	SH		SOLE		263,435	0	1,361
GENERAL MILLS INC	COM	370334104	310,496	4,869	SH		SOLE		4,869	0	0
GOLDMAN SACHS GRP	COM	38141G104	2,863	5	SH		DFND		5	0	0
GOLDMAN SACHS GRP	COM	38141G104	1,180,742	2,062	SH		SOLE		2,062	0	0
General Electric Co	COM NEW	369604301	54,207	325	SH		DFND		262	0	63
General Electric Co	COM NEW	369604301	302,557	1,814	SH		SOLE		1,814	0	0
Gilead Sciences Inc	COM	375558103	259,467	2,809	SH		SOLE		2,809	0	0
Heartland Financial USA Inc	COM	42234Q102	37,212	607	SH		DFND		0	0	607
Heartland Financial USA Inc	COM	42234Q102	63,663,403	1,038,470	SH		SOLE		751	0	1,037,720
Home Depot Inc/The	COM	437076102	70,796	182	SH		DFND		182	0	0
Home Depot Inc/The	COM	437076102	4,332,182	11,137	SH		SOLE		9,687	0	1,450
Honeywell International Inc	COM	438516106	2,033	9	SH		DFND		9	0	0
Honeywell International Inc	COM	438516106	1,100,536	4,872	SH		SOLE		4,872	0	0
Hubbell Inc	COM	443510607	1,043,036	2,490	SH		SOLE		2,490	0	0
INDEXIQ ETF TRUST/USA	NYLI HEDGE MULTI	45409B107	299,432	9,533	SH		DFND		9,533	0	0
INDEXIQ ETF TRUST/USA	NYLI HEDGE MULTI	45409B107	18,313,129	583,035	SH		SOLE		579,985	0	3,050
ING Groep NV	SPONSORED ADR	456837103	4,829,478	308,199	SH		SOLE		308,199	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	376,101	2,524	SH		SOLE		2,524	0	0
INTL BUSINESS MCHN	COM	459200101	21,983	100	SH		DFND		0	0	100
INTL BUSINESS MCHN	COM	459200101	492,639	2,241	SH		SOLE		2,241	0	0
ISHARES	S&P 100 ETF	464287101	10,687	37	SH		DFND		37	0	0
ISHARES	S&P 100 ETF	464287101	222,415	770	SH		SOLE		770	0	0
ISHARES	CORE S&P500 ETF	464287200	504,499	857	SH		DFND		857	0	0
ISHARES	CORE S&P500 ETF	464287200	4,823,055	8,193	SH		SOLE		8,193	0	0
ISHARES	S&P 500 GRWT ETF	464287309	533,236	5,252	SH		SOLE		5,252	0	0
ISHARES	S&P 500 VAL ETF	464287408	81,124	425	SH		DFND		425	0	0
ISHARES	S&P 500 VAL ETF	464287408	248,717	1,303	SH		SOLE		1,303	0	0
ISHARES	RUSSELL 2000 ETF	464287655	11,490	52	SH		DFND		52	0	0
ISHARES	RUSSELL 2000 ETF	464287655	870,582	3,940	SH		SOLE		3,940	0	0
ISHARES	EAFE VALUE ETF	464288877	749,009	14,275	SH		DFND		14,275	0	0
ISHARES	EAFE VALUE ETF	464288877	33,542,759	639,275	SH		SOLE		614,575	0	24,700
ISHARES	CORE MSCI EAFE	46432F842	228,129	3,246	SH		SOLE		3,246	0	0
ISHARES ETFS/USA	ESG AW MSCI EAFE	46435G516	707,569	9,293	SH		SOLE		9,293	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	300,192	5,900	SH		SOLE		5,900	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	135,677	1,655	SH		DFND		1,655	0	0
ISHARES TRUST	1 3 YR TREAS BD	464287457	6,185,965	75,457	SH		SOLE		71,042	0	4,415
ISHARES TRUST	GLOBAL MATER ETF	464288695	56,099	722	SH		DFND		722	0	0
ISHARES TRUST	GLOBAL MATER ETF	464288695	1,661,304	21,381	SH		SOLE		19,109	0	2,272
ISHARES/USA	RUS 1000 GRW ETF	464287614	228,499	569	SH		SOLE		569	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	1,077,540	10,113	SH		SOLE		10,113	0	0
Industrial Logistics Propertie	COM SHS BEN INT	456237106	195,505	53,563	SH		DFND		53,563	0	0
Industrial Logistics Propertie	COM SHS BEN INT	456237106	4,477,043	1,226,587	SH		SOLE		1,226,587	0	0
Intel Corp	COM	458140100	242,866	12,113	SH		SOLE		12,113	0	0
Invesco Capital Management LLC	DIVID ACHIEVEV	46137V506	733,760	16,000	SH		SOLE		16,000	0	0
Invesco Capital Management LLC	INTL DIVI ACHI	46137V548	267,326	14,600	SH		SOLE		14,600	0	0
Invesco ETFs/USA	S&P INTL LOW	46138E230	111,272	3,999	SH		DFND		3,999	0	0
Invesco ETFs/USA	S&P INTL LOW	46138E230	7,781,985	279,676	SH		SOLE		277,612	0	2,064
Invesco ETFs/USA	SHORT TERM TREAS	46138G888	128,304	1,215	SH		DFND		1,215	0	0
Invesco ETFs/USA	SHORT TERM TREAS	46138G888	5,502,077	52,103	SH		SOLE		52,103	0	0
JP Morgan ETFs/USA	EQUITY PREMIUM	46641Q332	349,552	6,076	SH		DFND		6,076	0	0
JP Morgan ETFs/USA	EQUITY PREMIUM	46641Q332	16,714,018	290,527	SH		SOLE		283,523	0	7,004
JP Morgan ETFs/USA	ULTRA SHT MUNCPL	46641Q654	413,895	8,162	SH		SOLE		8,162	0	0
JP Morgan ETFs/USA	INTL BD OPP ETF	46641Q852	1,019,351	21,569	SH		SOLE		21,569	0	0
JPMorgan Chase & Co	COM	46625H100	419,013	1,748	SH		DFND		1,720	0	28
JPMorgan Chase & Co	COM	46625H100	11,310,477	47,184	SH		SOLE		44,899	0	2,285
Johnson & Johnson	COM	478160104	179,184	1,239	SH		DFND		1,204	0	35
Johnson & Johnson	COM	478160104	7,317,483	50,598	SH		SOLE		46,867	0	3,731
KIMBERLY-CLARK CP	COM	494368103	70,106	535	SH		DFND		500	0	35
KIMBERLY-CLARK CP	COM	494368103	256,183	1,955	SH		SOLE		1,955	0	0
KLA Corp	COM NEW	482480100	259,609	412	SH		SOLE		412	0	0
LOWE'S COS INC	COM	548661107	245,566	995	SH		DFND		980	0	15
LOWE'S COS INC	COM	548661107	5,633,950	22,828	SH		SOLE		22,828	0	0
Linde PLC	SHS	G54950103	438,766	1,048	SH		SOLE		1,048	0	0
Lockheed Martin Corp	COM	539830109	236,653	487	SH		SOLE		487	0	0
MARSH & MCLENNAN	COM	571748102	2,974	14	SH		DFND		14	0	0
MARSH & MCLENNAN	COM	571748102	255,954	1,205	SH		SOLE		1,205	0	0
MASTERCARD INC	CL A	57636Q104	652,947	1,240	SH		SOLE		1,240	0	0
MCDONALD'S CORP	COM	580135101	45,513	157	SH		DFND		97	0	60
MCDONALD'S CORP	COM	580135101	2,622,055	9,045	SH		SOLE		8,240	0	805
MCKESSON CORP	COM	58155Q103	409,195	718	SH		SOLE		718	0	0
METLIFE INC	COM	59156R108	401,703	4,906	SH		SOLE		4,906	0	0
MICROSOFT CORP	COM	594918104	531,090	1,260	SH		DFND		1,237	0	23
MICROSOFT CORP	COM	594918104	20,083,632	47,648	SH		SOLE		45,753	0	1,895
MOODYS CORP	COM	615369105	562,364	1,188	SH		SOLE		1,188	0	0
MORGAN STANLEY	COM NEW	617446448	30,550	243	SH		DFND		243	0	0
MORGAN STANLEY	COM NEW	617446448	2,826,814	22,485	SH		SOLE		19,000	0	3,485
Medtronic PLC	SHS	G5960L103	122,696	1,536	SH		DFND		1,536	0	0
Medtronic PLC	SHS	G5960L103	4,590,943	57,473	SH		SOLE		52,488	0	4,985
Merck & Co Inc	COM	58933Y105	37,404	376	SH		DFND		238	0	138
Merck & Co Inc	COM	58933Y105	508,243	5,109	SH		SOLE		5,109	0	0
Meta Platforms Inc	CL A	30303M102	122,372	209	SH		DFND		209	0	0
Meta Platforms Inc	CL A	30303M102	743,598	1,270	SH		SOLE		1,270	0	0
Mondelez International Inc	CL A	609207105	458,189	7,671	SH		SOLE		7,671	0	0
NEXTERA ENERGY	COM	65339F101	215,070	3,000	SH		DFND		3,000	0	0
NEXTERA ENERGY	COM	65339F101	119,937	1,673	SH		SOLE		1,673	0	0
NORDIC AMER TANKER	COM	G65773106	125,000	50,000	SH		DFND		50,000	0	0
NORTHROP GRUMMAN	COM	666807102	274,065	584	SH		SOLE		584	0	0
NVIDIA Corp	COM	67066G104	153,493	1,143	SH		DFND		1,143	0	0
NVIDIA Corp	COM	67066G104	1,041,285	7,754	SH		SOLE		7,754	0	0
Norfolk Southern Corp	COM	655844108	305,110	1,300	SH		DFND		1,300	0	0
Norfolk Southern Corp	COM	655844108	241,037	1,027	SH		SOLE		1,027	0	0
Nushares ETF Trust	NUVEEN ESG LRGCP	67092P201	709,124	8,261	SH		SOLE		8,261	0	0
Nushares ETF Trust	NUVEEN ESG LRGVL	67092P300	788,424	20,026	SH		SOLE		20,026	0	0
Nuveen Closed-End Funds/USA	COM	6706ER101	843,779	60,313	SH		SOLE		60,313	0	0
Nuveen Closed-End Funds/USA	COM	67073B106	123,268	15,683	SH		SOLE		15,683	0	0
ORACLE CORP	COM	68389X105	334,446	2,007	SH		DFND		1,986	0	21
ORACLE CORP	COM	68389X105	8,929,238	53,584	SH		SOLE		50,024	0	3,560
PEPSICO INC	COM	713448108	131,380	864	SH		DFND		821	0	43
PEPSICO INC	COM	713448108	2,716,704	17,866	SH		SOLE		17,866	0	0
PNC Financial Services Group I	COM	693475105	198,828	1,031	SH		DFND		1,010	0	21
PNC Financial Services Group I	COM	693475105	100,668	522	SH		SOLE		522	0	0
Palantir Technologies Inc	CL A	69608A108	64,966	859	SH		DFND		859	0	0
Palantir Technologies Inc	CL A	69608A108	153,907	2,035	SH		SOLE		2,035	0	0
Palo Alto Networks Inc	COM	697435105	537,874	2,956	SH		SOLE		2,956	0	0
PetMed Express Inc	COM	716382106	289,200	60,000	SH		DFND		60,000	0	0
Pfizer Inc	COM	717081103	8,145	307	SH		DFND		0	0	307
Pfizer Inc	COM	717081103	714,851	26,945	SH		SOLE		26,945	0	0
Postal Realty Trust Inc	CL A	73757R102	8,443	647	SH		DFND		647	0	0
Postal Realty Trust Inc	CL A	73757R102	1,697,179	130,052	SH		SOLE		130,052	0	0
Procter & Gamble Co/The	COM	742718109	155,579	928	SH		DFND		928	0	0
Procter & Gamble Co/The	COM	742718109	4,703,588	28,056	SH		SOLE		26,196	0	1,860
Prologis Inc	COM	74340W103	63,631	602	SH		DFND		602	0	0
Prologis Inc	COM	74340W103	1,922,789	18,191	SH		SOLE		16,361	0	1,830
Putnam Investment Management LLC	COM	746823103	66,864	11,200	SH		SOLE		11,200	0	0
Putnam Investment Management LLC	SH BEN INT	746853100	43,325	12,170	SH		SOLE		12,170	0	0
QUALCOMM Inc	COM	747525103	109,531	713	SH		DFND		685	0	28
QUALCOMM Inc	COM	747525103	244,870	1,594	SH		SOLE		1,594	0	0
ROPER INDUSTRIES INC	COM	776696106	500,616	963	SH		SOLE		963	0	0
RTX Corp	COM	75513E101	250,534	2,165	SH		DFND		2,165	0	0
RTX Corp	COM	75513E101	7,928,672	68,516	SH		SOLE		63,866	0	4,650
Runway Growth Finance Corp	COM	78163D100	5,064	462	SH		DFND		462	0	0
Runway Growth Finance Corp	COM	78163D100	967,308	88,258	SH		SOLE		88,258	0	0
SEI INVESTMENTS	COM	784117103	214,448	2,600	SH		SOLE		2,600	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	71,182	846	SH		DFND		846	0	0
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,241,658	26,642	SH		SOLE		24,500	0	2,142
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	218,599	1,589	SH		SOLE		1,589	0	0
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	12,556	54	SH		DFND		0	0	54
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	516,427	2,221	SH		SOLE		2,221	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	366,567	4,843	SH		DFND		4,843	0	0
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	4,824,708	63,743	SH		SOLE		58,828	0	4,915
SPDR GOLD TRUST	GOLD SHS	78463V107	6,295	26	SH		DFND		26	0	0
SPDR GOLD TRUST	GOLD SHS	78463V107	353,752	1,461	SH		SOLE		1,461	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	179,361	5,475	SH		DFND		5,475	0	0
SSGA FUNDS MANAGEMENT INC	PORTFOLIO INTRMD	78464A375	9,873,373	301,385	SH		SOLE		301,385	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	426,666	728	SH		DFND		728	0	0
SSgA Funds Management Inc	TR UNIT	78462F103	6,615,085	11,287	SH		SOLE		11,287	0	0
SSgA Funds Management Inc	PORTFLI INTRMDIT	78464A672	1,415,245	50,762	SH		SOLE		50,762	0	0
SSgA Funds Management Inc	BLOOMBERG HIGH Y	78468R622	158,385	1,659	SH		DFND		1,659	0	0
SSgA Funds Management Inc	BLOOMBERG HIGH Y	78468R622	7,675,120	80,393	SH		SOLE		80,393	0	0
SSgA Funds Management Inc	BLOOMBERG 1-3 MO	78468R663	332,348	3,635	SH		DFND		3,635	0	0
SSgA Funds Management Inc	BLOOMBERG 1-3 MO	78468R663	1,097	12	SH		SOLE		12	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	534,417	11,277	SH		DFND		11,277	0	0
SSgA Funds Management Inc	NUVEEN BLMBRG SH	78468R739	29,893,422	630,796	SH		SOLE		623,918	0	6,878
STARBUCKS CORP	COM	855244109	133,499	1,463	SH		DFND		1,432	0	31
STARBUCKS CORP	COM	855244109	4,704,394	51,555	SH		SOLE		47,755	0	3,800
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	183,741	7,183	SH		DFND		7,183	0	0
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	4,712,552	184,228	SH		SOLE		183,473	0	755
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	309,282	543	SH		SOLE		543	0	0
STRYKER CORP	COM	863667101	218,190	606	SH		SOLE		606	0	0
Solventum Corp	COM SHS	83444M101	18,563	281	SH		DFND		281	0	0
Solventum Corp	COM SHS	83444M101	182,127	2,757	SH		SOLE		2,757	0	0
Starwood Property Trust Inc	COM	85571B105	3,240	171	SH		DFND		171	0	0
Starwood Property Trust Inc	COM	85571B105	618,490	32,638	SH		SOLE		32,638	0	0
TEXAS INSTRUMENTS	COM	882508104	485,838	2,591	SH		SOLE		2,591	0	0
TRAVELERS CO INC	COM	89417E109	605,357	2,513	SH		SOLE		2,513	0	0
TSMC	SPONSORED ADS	874039100	203,612	1,031	SH		SOLE		1,031	0	0
Target Corp	COM	87612E106	1,757	13	SH		DFND		0	0	13
Target Corp	COM	87612E106	410,001	3,033	SH		SOLE		3,033	0	0
Tesla Inc	COM	88160R101	174,863	433	SH		DFND		433	0	0
Tesla Inc	COM	88160R101	270,573	670	SH		SOLE		670	0	0
Tetra Tech Inc	COM	88162G103	203,981	5,120	SH		SOLE		5,120	0	0
Thermo Fisher Scientific Inc	COM	883556102	700,230	1,346	SH		SOLE		1,346	0	0
Truist Financial Corp	COM	89832Q109	200,199	4,615	SH		SOLE		4,615	0	0
Tyson Foods Inc	CL A	902494103	2,929	51	SH		DFND		0	0	51
Tyson Foods Inc	CL A	902494103	222,293	3,870	SH		SOLE		3,870	0	0
UTD PARCEL SERV	CL B	911312106	133,414	1,058	SH		DFND		1,058	0	0
UTD PARCEL SERV	CL B	911312106	5,143,241	40,787	SH		SOLE		37,074	0	3,713
Union Pacific Corp	COM	907818108	384,247	1,685	SH		DFND		1,685	0	0
Union Pacific Corp	COM	907818108	162,136	711	SH		SOLE		711	0	0
United Rentals Inc	COM	911363109	877,028	1,245	SH		SOLE		1,245	0	0
UnitedHealth Group Inc	COM	91324P102	4,553	9	SH		DFND		0	0	9
UnitedHealth Group Inc	COM	91324P102	715,286	1,414	SH		SOLE		1,414	0	0
VANGUARD	S&P 500 ETF SHS	922908363	557,668	1,035	SH		SOLE		1,035	0	0
VANGUARD ETF/USA	DIV APP ETF	921908844	873,793	4,462	SH		SOLE		4,462	0	0
VANGUARD ETF/USA	VG TL INTL STK F	921909768	1,779,391	30,195	SH		SOLE		30,195	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	306,254	6,954	SH		DFND		6,954	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	13,640,906	309,739	SH		SOLE		297,972	0	11,767
VANGUARD ETF/USA	INF TECH ETF	92204A702	2,487	4	SH		DFND		0	0	4
VANGUARD ETF/USA	INF TECH ETF	92204A702	630,505	1,014	SH		SOLE		1,014	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	1,232,090	15,794	SH		SOLE		15,794	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	310,548	1,567	SH		DFND		1,567	0	0
VANGUARD ETF/USA	SM CP VAL ETF	922908611	12,130,796	61,211	SH		SOLE		59,848	0	1,363
VANGUARD ETF/USA	TOTAL STK MKT	922908769	1,442,964	4,979	SH		DFND		4,979	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	6,594,627	22,755	SH		SOLE		19,504	0	3,251
VANGUARD GROUP INC/THE	TOTAL INT BD ETF	92203J407	1,295,214	26,406	SH		SOLE		26,406	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	20,414	160	SH		DFND		160	0	0
VANGUARD WHITEHALL	HIGH DIV YLD	921946406	1,197,305	9,384	SH		SOLE		9,384	0	0
VERIZON COMMUN	COM	92343V104	9,198	230	SH		DFND		230	0	0
VERIZON COMMUN	COM	92343V104	464,284	11,610	SH		SOLE		11,610	0	0
VISA INC	COM CL A	92826C839	218,384	691	SH		DFND		691	0	0
VISA INC	COM CL A	92826C839	4,591,745	14,529	SH		SOLE		14,529	0	0
Van Eck Associates Corp	INTRMDT MUNI ETF	92189H201	1,624,887	35,247	SH		DFND		35,247	0	0
Van Eck Associates Corp	INTRMDT MUNI ETF	92189H201	56,949,358	1,235,344	SH		SOLE		1,224,950	0	10,394
Vanguard ETF/USA	500 GRTH IDX F	921932505	2,128,273	5,814	SH		SOLE		5,814	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	272,467	3,789	SH		DFND		3,789	0	0
Vanguard ETF/USA	TOTAL BND MRKT	921937835	14,850,278	206,512	SH		SOLE		206,512	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	3,491	73	SH		DFND		73	0	0
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	959,795	20,071	SH		SOLE		20,071	0	0
Vanguard ETF/USA	ALLWRLD EX US	922042775	496,884	8,655	SH		SOLE		8,655	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	138,163	1,551	SH		DFND		1,551	0	0
Vanguard ETF/USA	REAL ESTATE ETF	922908553	4,156,473	46,660	SH		SOLE		42,461	0	4,199
Vanguard ETF/USA	GROWTH ETF	922908736	1,238,708	3,018	SH		DFND		3,018	0	0
Vanguard ETF/USA	GROWTH ETF	922908736	68,467,959	166,816	SH		SOLE		166,311	0	505
Vanguard ETF/USA	VALUE ETF	922908744	1,115,010	6,586	SH		DFND		6,586	0	0
Vanguard ETF/USA	VALUE ETF	922908744	62,928,641	371,699	SH		SOLE		370,462	0	1,237
Vanguard Group Inc/The	SML CP GRW ETF	922908595	326,830	1,167	SH		DFND		1,167	0	0
Vanguard Group Inc/The	SML CP GRW ETF	922908595	12,785,859	45,654	SH		SOLE		44,683	0	971
Vanguard Group Inc/The	LARGE CAP ETF	922908637	1,366,300	5,066	SH		SOLE		5,066	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	18,808	99	SH		DFND		99	0	0
Vanguard Group Inc/The	EXTEND MKT ETF	922908652	840,472	4,424	SH		SOLE		4,424	0	0
WASTE MANAGEMENT	COM	94106L109	2,825	14	SH		DFND		14	0	0
WASTE MANAGEMENT	COM	94106L109	518,197	2,568	SH		SOLE		2,568	0	0
WEC Energy Group Inc	COM	92939U106	191,465	2,036	SH		DFND		2,000	0	36
WEC Energy Group Inc	COM	92939U106	78,900	839	SH		SOLE		839	0	0
WELLS FARGO & CO	COM	949746101	3,512	50	SH		DFND		0	0	50
WELLS FARGO & CO	COM	949746101	2,911,027	41,444	SH		SOLE		41,444	0	0
Walmart Inc	COM	931142103	442,805	4,901	SH		DFND		4,598	0	303
Walmart Inc	COM	931142103	8,733,773	96,666	SH		SOLE		91,656	0	5,010
Walt Disney Co/The	COM	254687106	406,093	3,647	SH		SOLE		3,647	0	0
Xcel Energy Inc	COM	98389B100	60,768	900	SH		DFND		900	0	0
Xcel Energy Inc	COM	98389B100	151,582	2,245	SH		SOLE		2,245	0	0
iShares ETFs/USA	ESG AWR MSCI EM	46434G863	261,043	7,818	SH		SOLE		7,818	0	0
iShares ETFs/USA	BLACKROCK ULTRA	46434V878	104,340	2,069	SH		DFND		2,069	0	0
iShares ETFs/USA	BLACKROCK ULTRA	46434V878	3,760,263	74,564	SH		SOLE		74,564	0	0