NBT Bank N A 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	1,145,056	8,870	SH		SOLE	0	7,865	287	718
3m CO	Com	88579Y101	102,627	795	SH		OTR	0	730	65	0
Abbott Labs	Com	002824100	8,317,544	73,535	SH		SOLE	0	72,635	0	900
Abbott Labs	Com	002824100	4,623,145	40,873	SH		OTR	0	39,041	522	1,310
Abbvie Inc	Com	00287Y109	4,948,234	27,846	SH		SOLE	0	27,546	0	300
Abbvie Inc	Com	00287Y109	4,763,071	26,804	SH		OTR	0	25,484	200	1,120
Aberdeen Standard Physical Gold Shs Etf	COM	00326A104	75,826	3,027	SH		DFND	1	0	0	3,027
Accenture PLC Cl A	Com	G1151C101	414,409	1,178	SH		SOLE	0	1,178	0	0
Accenture PLC Cl A	Com	G1151C101	608,597	1,730	SH		OTR	0	1,700	30	0
Adobe Inc	Com	00724F101	1,050,334	2,362	SH		SOLE	0	2,362	0	0
Adobe Inc	Com	00724F101	770,186	1,732	SH		OTR	0	1,693	7	32
ADVANCED MICRO DEVICE IN	COM	007903107	3,624	30	SH		DFND	1	0	0	30
Advanced Micro Devices Inc	Com	007903107	154,490	1,279	SH		SOLE	0	1,279	0	0
Advanced Micro Devices Inc	Com	007903107	88,056	729	SH		OTR	0	729	0	0
Aflac Inc	Com	001055102	1,993,082	19,268	SH		SOLE	0	19,268	0	0
Aflac Inc	Com	001055102	426,069	4,119	SH		OTR	0	4,119	0	0
Agilent Technologies Inc	Com	00846U101	20,151	150	SH		SOLE	0	150	0	0
Agnico Eagle Mines Ltd	Com	008474108	49,507	633	SH		SOLE	0	633	0	0
Agnico Eagle Mines Ltd	Com	008474108	761,844	9,741	SH		OTR	0	9,741	0	0
Air Products & Chemicals Inc	Com	009158106	1,656,418	5,711	SH		SOLE	0	5,711	0	0
Air Products & Chemicals Inc	Com	009158106	1,241,661	4,281	SH		OTR	0	4,231	0	50
Alcon Inc ORD Shs	Com	H01301128	4,924	58	SH		OTR	0	58	0	0
Alexandria Real Estate Equitie	Com	015271109	5,463	56	SH		OTR	0	56	0	0
Align Technology Inc	Com	016255101	20,851	100	SH		SOLE	0	100	0	0
Allegion PLC	Com	G0176J109	87,817	672	SH		SOLE	0	672	0	0
Allegion PLC	Com	G0176J109	2,326,627	17,804	SH		OTR	0	17,804	0	0
ALLIANT ENERGY CORP	COM	018802108	161,306	2,728	SH		DFND	1	0	0	2,728
AllianzIM US Large Cap Buffer2	Com	00888H406	92,220	2,630	SH		OTR	0	2,630	0	0
Allstate Corp	Com	020002101	252,362	1,309	SH		SOLE	0	1,309	0	0
Allstate Corp	Com	020002101	192,790	1,000	SH		OTR	0	1,000	0	0
Alphabet Inc Cl A	Com	02079K305	17,141,664	90,553	SH		SOLE	0	89,492	0	1,061
Alphabet Inc Cl A	Com	02079K305	14,372,413	75,924	SH		OTR	0	73,068	74	2,782
Alphabet Inc Cl A	COM	02079K305	130,525	690	SH		DFND	1	0	0	690
Alphabet Inc Cl C	Com	02079K107	12,771,600	67,064	SH		SOLE	0	65,000	0	2,064
Alphabet Inc Cl C	Com	02079K107	17,183,592	90,231	SH		OTR	0	87,545	86	2,600
Altair Engineering Inc.	Com	021369103	26,950	247	SH		OTR	0	247	0	0
Altria Group Inc	Com	02209S103	667,796	12,771	SH		SOLE	0	11,996	0	775
Altria Group Inc	Com	02209S103	1,689,856	32,317	SH		OTR	0	31,617	0	700
Amazon.Com Inc	Com	023135106	9,695,283	44,192	SH		SOLE	0	43,932	0	260
Amazon.Com Inc	Com	023135106	11,753,380	53,573	SH		OTR	0	52,506	0	1,067
Amentum Holdings Inc	Com	023939101	547	26	SH		SOLE	0	26	0	0
Amentum Holdings Inc	Com	023939101	62,564	2,975	SH		OTR	0	1,075	0	1,900
America Movil Sab DE Cv Spons	Com	02390A101	129	9	SH		OTR	0	0	0	9
American Elec Pwr Inc	Com	025537101	6,917	75	SH		OTR	0	75	0	0
American Express CO	Com	025816109	3,119,263	10,510	SH		SOLE	0	10,360	0	150
American Express CO	Com	025816109	2,511,437	8,462	SH		OTR	0	8,196	0	266
American International Group	Com	026874784	3,203	44	SH		SOLE	0	44	0	0
American Tower Corp REIT	Com	03027X100	176,991	965	SH		SOLE	0	965	0	0
American Tower Corp REIT	Com	03027X100	91,705	500	SH		OTR	0	471	29	0
American Water Works CO Inc	Com	030420103	982,849	7,895	SH		SOLE	0	7,895	0	0
American Water Works CO Inc	Com	030420103	546,262	4,388	SH		OTR	0	3,650	100	638
Ameriprise Financial Inc.	Com	03076C106	154,405	290	SH		OTR	0	290	0	0
Amgen Inc	Com	031162100	1,086,348	4,168	SH		SOLE	0	4,168	0	0
Amgen Inc	Com	031162100	352,907	1,354	SH		OTR	0	1,354	0	0
Amphenol Corp	Com	032095101	919,002	13,233	SH		SOLE	0	12,230	0	1,003
Amphenol Corp	Com	032095101	1,093,490	15,745	SH		OTR	0	15,745	0	0
Amplify CWP Enhanced Dividend	Com	032108409	635,172	15,691	SH		SOLE	0	15,691	0	0
Amplify CWP Enhanced Dividend	Com	032108409	202,400	5,000	SH		OTR	0	5,000	0	0
Analog Devices Inc	Com	032654105	1,831,618	8,621	SH		SOLE	0	8,621	0	0
Analog Devices Inc	Com	032654105	340,786	1,604	SH		OTR	0	1,572	32	0
Anheuser-Busch Inbev Spons ADR	Com	03524A108	40,807	815	SH		SOLE	0	815	0	0
Anheuser-Busch Inbev Spons ADR	Com	03524A108	152,463	3,045	SH		OTR	0	3,045	0	0
Ansys Inc	Com	03662Q105	21,589	64	SH		OTR	0	64	0	0
Aon PLC ADR	Com	G0403H108	176,707	492	SH		SOLE	0	492	0	0
Aon PLC ADR	Com	G0403H108	1,164,038	3,241	SH		OTR	0	3,241	0	0
APA Corporation	Com	03743Q108	181,649	7,867	SH		SOLE	0	7,867	0	0
APA Corporation	Com	03743Q108	11,545	500	SH		OTR	0	500	0	0
Apple Inc	Com	037833100	42,914,961	171,372	SH		SOLE	0	159,905	123	11,344
Apple Inc	Com	037833100	30,052,153	120,007	SH		OTR	0	114,557	1,745	3,705
Apple Inc	COM	037833100	101,289	404	SH		DFND	1	0	0	404
Applied Materials Inc	Com	038222105	272,405	1,675	SH		SOLE	0	1,675	0	0
Applied Materials Inc	Com	038222105	359,412	2,210	SH		OTR	0	2,210	0	0
Archrock Inc	Com	03957W106	52,269	2,100	SH		OTR	0	2,100	0	0
Arrow Finl Corp	Com	042744102	181,304	6,315	SH		SOLE	0	0	0	6,315
Asml Holding N V	Com	N07059210	35,347	51	SH		SOLE	0	51	0	0
Asml Holding N V	Com	N07059210	148,319	214	SH		OTR	0	214	0	0
Astrazeneca PLC Spons ADR	Com	046353108	20,508	313	SH		SOLE	0	313	0	0
AT&T Inc	Com	00206R102	1,801,916	79,136	SH		SOLE	0	73,961	435	4,740
AT&T Inc	Com	00206R102	940,469	41,303	SH		OTR	0	38,566	147	2,590
Aurora Cannabis Inc	Com	05156X850	47	11	SH		SOLE	0	11	0	0
Autodesk Inc	Com	052769106	250,348	847	SH		SOLE	0	847	0	0
Autoliv Inc	Com	052800109	896,539	9,559	SH		SOLE	0	8,515	0	1,044
Autoliv Inc	Com	052800109	1,007,867	10,746	SH		OTR	0	10,746	0	0
Automatic Data Processing Inc	Com	053015103	8,337,536	28,482	SH		SOLE	0	28,052	0	430
Automatic Data Processing Inc	Com	053015103	4,661,140	15,923	SH		OTR	0	15,182	75	666
Autozone Inc	Com	053332102	73,646	23	SH		SOLE	0	23	0	0
Autozone Inc	Com	053332102	25,616	8	SH		OTR	0	8	0	0
Avalonbay Communities Inc REIT	Com	053484101	4,399	20	SH		SOLE	0	20	0	0
Avista Corp	Com	05379B107	1,062	29	SH		OTR	0	0	0	29
Baker Hughes Company	Com	05722G100	116,579	2,842	SH		SOLE	0	2,842	0	0
Ball Corp	Com	058498106	23,596	428	SH		SOLE	0	428	0	0
Ball Corp	Com	058498106	109,598	1,988	SH		OTR	0	1,988	0	0
BANK MONTREAL QUE F	COM	063671101	4,409,564	45,436	SH		DFND	1	0	0	45,436
Bank Montreal Quebec	Com	063671101	38,820	400	SH		OTR	0	400	0	0
Bank of America Corp	Com	060505104	2,555,956	58,156	SH		SOLE	0	57,724	0	432
Bank of America Corp	Com	060505104	391,638	8,911	SH		OTR	0	8,911	0	0
BANK OF AMERICA CORP	COM	060505104	34,786	792	SH		DFND	1	0	0	792
Bank of New York Mellon Corp	Com	064058100	769,452	10,015	SH		SOLE	0	10,015	0	0
Bank of New York Mellon Corp	Com	064058100	38,415	500	SH		OTR	0	0	0	500
Bank of Nova Scotia Halifax	Com	064149107	53,720	1,000	SH		OTR	0	1,000	0	0
Barrick Gold Corp ADR	Com	067901108	16,523	1,066	SH		OTR	0	1,066	0	0
Bath & Body Works Inc	Com	070830104	110,805	2,858	SH		SOLE	0	2,858	0	0
Bath & Body Works Inc	Com	070830104	19,269	497	SH		OTR	0	497	0	0
Baxter Intl Inc	Com	071813109	190,590	6,536	SH		SOLE	0	6,536	0	0
Baxter Intl Inc	Com	071813109	24,144	828	SH		OTR	0	828	0	0
BCE Inc.	Com	05534B760	232	10	SH		SOLE	0	10	0	0
Becton Dickinson	Com	075887109	559,008	2,464	SH		SOLE	0	2,464	0	0
Becton Dickinson	Com	075887109	267,026	1,177	SH		OTR	0	1,161	16	0
BERKSHIRE HATHAWAY CLASS B	COM	084670702	135,984	300	SH		DFND	1	0	0	300
Berkshire Hathaway Inc Class A	Com	084670108	3,404,600	5	SH		OTR	0	5	0	0
Berkshire Hathaway Inc-Cl B	Com	084670702	7,199,446	15,883	SH		SOLE	0	15,628	30	225
Berkshire Hathaway Inc-Cl B	Com	084670702	9,277,282	20,467	SH		OTR	0	20,314	38	115
Best Buy Company Inc	Com	086516101	266,581	3,107	SH		SOLE	0	3,107	0	0
Best Buy Company Inc	Com	086516101	16,731	195	SH		OTR	0	195	0	0
BHP Group Ltd Spons ADR	Com	088606108	104,350	2,137	SH		SOLE	0	1,937	0	200
Biogen Inc	Com	09062X103	61,321	401	SH		SOLE	0	401	0	0
Biogen Inc	Com	09062X103	44,194	289	SH		OTR	0	272	17	0
Blackrock Core Bond Trust	Com	09249E101	28,493	2,724	SH		SOLE	0	2,724	0	0
Blackrock Muniyield NY Quality	Com	09255E102	20,694	2,053	SH		SOLE	0	2,053	0	0
Blackstone Inc	Com	09260D107	206,732	1,199	SH		SOLE	0	1,199	0	0
Blackstone Inc	Com	09260D107	1,018,657	5,908	SH		OTR	0	5,865	43	0
Block Inc	Com	852234103	25,497	300	SH		OTR	0	300	0	0
Blue Owl Capital Corporation	Com	69121K104	33,264	2,200	SH		SOLE	0	2,200	0	0
Boeing CO	Com	097023105	872,610	4,930	SH		SOLE	0	4,730	0	200
Boeing CO	Com	097023105	1,309,800	7,400	SH		OTR	0	7,400	0	0
Booking Hldgs Inc	Com	09857L108	278,232	56	SH		OTR	0	56	0	0
Boston Scientific Corp	Com	101137107	329,501	3,689	SH		OTR	0	3,689	0	0
BP PLC Spons ADR	Com	055622104	85,103	2,879	SH		SOLE	0	2,879	0	0
BP PLC Spons ADR	Com	055622104	156,077	5,280	SH		OTR	0	5,280	0	0
Bristol Myers Squibb CO	Com	110122108	2,446,786	43,260	SH		SOLE	0	40,480	660	2,120
Bristol Myers Squibb CO	Com	110122108	2,104,598	37,210	SH		OTR	0	36,581	69	560
BRISTOL MYERS SQUIBB CO	COM	110122108	14,368	254	SH		DFND	1	0	0	254
Broadcom Inc	Com	11135F101	941,039	4,059	SH		SOLE	0	4,059	0	0
Broadcom Inc	Com	11135F101	1,439,726	6,210	SH		OTR	0	6,090	0	120
Brookfield Asset Mgmt Inc Cl A	Com	113004105	184,246	3,400	SH		SOLE	0	3,400	0	0
Brookfield Asset Mgmt Inc Cl A	Com	113004105	1,264,903	23,342	SH		OTR	0	23,342	0	0
Brookfield Infrastructure Part	Com	G16252101	14,282	450	SH		OTR	0	450	0	0
Brookline Bancorp Inc	Com	11373M107	36,599	3,102	SH		SOLE	0	0	0	3,102
Brown Forman Corp	Com	115637209	36,651	965	SH		SOLE	0	965	0	0
Brunswick Corp	Com	117043109	19,404	300	SH		SOLE	0	300	0	0
Cadence Design System Inc	Com	127387108	166,755	555	SH		SOLE	0	405	0	150
Cadence Design System Inc	Com	127387108	12,920	43	SH		OTR	0	43	0	0
California Wtr Svc Group	Com	130788102	31,731	700	SH		SOLE	0	0	0	700
Cameco Corp ADR	Com	13321L108	130,222	2,534	SH		SOLE	0	2,534	0	0
Canadian National Railway Comp	Com	136375102	184,545	1,818	SH		SOLE	0	1,818	0	0
Canadian National Railway Comp	Com	136375102	1,400,330	13,795	SH		OTR	0	13,795	0	0
Canadian Pacific Kansas City L	Com	13646K108	47,041	650	SH		OTR	0	650	0	0
Capital One Financial Corp	Com	14040H105	44,580	250	SH		OTR	0	250	0	0
Cardinal Health Inc	Com	14149Y108	194,318	1,643	SH		SOLE	0	1,643	0	0
Cardinal Health Inc	Com	14149Y108	97,573	825	SH		OTR	0	825	0	0
Carnival Corp	Com	143658300	16,198	650	SH		SOLE	0	150	0	500
Carnival Corp	Com	143658300	12,460	500	SH		OTR	0	500	0	0
Carrier Global Corporation	Com	14448C104	2,493,811	36,534	SH		SOLE	0	35,620	100	814
Carrier Global Corporation	Com	14448C104	1,647,796	24,140	SH		OTR	0	22,020	1,066	1,054
Casey's General Stores Inc	Com	147528103	13,868	35	SH		SOLE	0	35	0	0
Caterpillar Inc	Com	149123101	5,474,411	15,091	SH		SOLE	0	14,253	0	838
Caterpillar Inc	Com	149123101	5,903,556	16,274	SH		OTR	0	15,753	30	491
CATERPILLAR INC	COM	149123101	4,498,593	12,401	SH		DFND	1	0	0	12,401
CBIZ, Inc.	Com	124805102	61,373	750	SH		OTR	0	750	0	0
CDW Corp	Com	12514G108	82,669	475	SH		SOLE	0	475	0	0
CDW Corp	Com	12514G108	15,664	90	SH		OTR	0	73	17	0
Cencora Inc.	Com	03073E105	109,644	488	SH		SOLE	0	488	0	0
Cencora Inc.	Com	03073E105	25,164	112	SH		OTR	0	90	22	0
Charles Schwab Corp	Com	808513105	364,277	4,922	SH		SOLE	0	4,922	0	0
Charles Schwab Corp	Com	808513105	282,274	3,814	SH		OTR	0	3,764	50	0
Chemung Finl Crp	Com	164024101	9,762	200	SH		OTR	0	200	0	0
CHEVRON CORP NEW	COM	166764100	5,189	36	SH		DFND	1	0	0	36
Chevron Corporation	Com	166764100	7,298,436	50,390	SH		SOLE	0	48,191	245	1,954
Chevron Corporation	Com	166764100	5,534,771	38,213	SH		OTR	0	36,443	299	1,471
Chewy Inc	Com	16679L109	36,973	1,104	SH		OTR	0	1,104	0	0
Chipotle Mexican Grill Inc	Com	169656105	769,730	12,765	SH		SOLE	0	12,765	0	0
Chipotle Mexican Grill Inc	Com	169656105	191,453	3,175	SH		OTR	0	2,605	0	570
Choice Hotels International In	Com	169905106	168,104	1,184	SH		SOLE	0	1,184	0	0
Chubb Ltd	Com	H1467J104	1,131,172	4,094	SH		SOLE	0	4,044	0	50
Chubb Ltd	Com	H1467J104	1,104,095	3,996	SH		OTR	0	3,877	30	89
Church & Dwight Inc	Com	171340102	71,203	680	SH		SOLE	0	680	0	0
Church & Dwight Inc	Com	171340102	31,413	300	SH		OTR	0	300	0	0
Cigna Group	Com	125523100	279,730	1,013	SH		SOLE	0	976	0	37
Cintas Corp	Com	172908105	73,080	400	SH		SOLE	0	400	0	0
CISCO SYS INC	COM	17275R102	1,573	27	SH		DFND	1	0	0	27
Cisco Systems Inc	Com	17275R102	6,522,731	110,181	SH		SOLE	0	105,452	0	4,729
Cisco Systems Inc	Com	17275R102	3,912,706	66,093	SH		OTR	0	64,675	710	708
Citigroup Inc	Com	172967424	280,645	3,987	SH		SOLE	0	3,987	0	0
Citigroup Inc	Com	172967424	139,372	1,980	SH		OTR	0	1,980	0	0
Clean Harbors Inc	Com	184496107	124,736	542	SH		SOLE	0	542	0	0
Clorox Company	Com	189054109	588,411	3,623	SH		SOLE	0	3,623	0	0
Clorox Company	Com	189054109	285,842	1,760	SH		OTR	0	1,330	0	430
CME Group Inc.	Com	12572Q105	337,662	1,454	SH		SOLE	0	1,454	0	0
CME Group Inc.	Com	12572Q105	47,143	203	SH		OTR	0	163	40	0
Coca Cola CO	Com	191216100	4,405,206	70,755	SH		SOLE	0	65,290	481	4,984
Coca Cola CO	Com	191216100	1,343,695	21,582	SH		OTR	0	17,044	84	4,454
Cognizant Technology Solutions	Com	192446102	118,272	1,538	SH		SOLE	0	1,538	0	0
Cognizant Technology Solutions	Com	192446102	17,995	234	SH		OTR	0	234	0	0
Cohen & Steers Qual Inc Rlty	Com	19247L106	40,759	3,330	SH		OTR	0	3,330	0	0
Colgate Palmolive CO	Com	194162103	1,729,745	19,027	SH		SOLE	0	17,307	270	1,450
Colgate Palmolive CO	Com	194162103	245,912	2,705	SH		OTR	0	2,125	0	580
ComCast Corp-Cl A	Com	20030N101	868,693	23,147	SH		SOLE	0	20,021	0	3,126
ComCast Corp-Cl A	Com	20030N101	519,978	13,855	SH		OTR	0	11,618	945	1,292
Communication Services Select	Com	81369Y852	197,783	2,043	SH		SOLE	0	2,043	0	0
Communication Services Select	Com	81369Y852	328,186	3,390	SH		OTR	0	3,001	389	0
Community Financial System, In	Com	203607106	74,139	1,202	SH		SOLE	0	1,000	0	202
Conagra Brands Inc	Com	205887102	2,858	103	SH		OTR	0	103	0	0
Conocophillips	Com	20825C104	956,098	9,641	SH		SOLE	0	9,610	31	0
Conocophillips	Com	20825C104	434,365	4,380	SH		OTR	0	4,230	150	0
Consolidated Edison Inc	Com	209115104	91,907	1,030	SH		SOLE	0	1,030	0	0
Consolidated Edison Inc	Com	209115104	8,298	93	SH		OTR	0	93	0	0
Constellation Energy Corp	Com	21037T109	14,765	66	SH		SOLE	0	66	0	0
Constellation Energy Corp	Com	21037T109	181,429	811	SH		OTR	0	811	0	0
Consumer Discretionary Selt	Com	81369Y407	2,077,032	9,258	SH		SOLE	0	7,528	0	1,730
Consumer Discretionary Selt	Com	81369Y407	216,049	963	SH		OTR	0	504	355	104
Consumer Staples Select Sector	Com	81369Y308	572,303	7,280	SH		SOLE	0	5,919	0	1,361
Consumer Staples Select Sector	Com	81369Y308	47,638	606	SH		OTR	0	130	305	171
Core & Main Inc	Com	21874C102	85,427	1,678	SH		OTR	0	1,678	0	0
Corning Inc	Com	219350105	192,741	4,056	SH		SOLE	0	4,056	0	0
Corning Inc	Com	219350105	180,576	3,800	SH		OTR	0	3,100	700	0
Corteva Inc Com	Com	22052L104	281,098	4,935	SH		SOLE	0	4,844	0	91
Corteva Inc Com	Com	22052L104	469,635	8,245	SH		OTR	0	8,245	0	0
Costco Wholesale Corp	Com	22160K105	7,118,502	7,769	SH		SOLE	0	7,694	0	75
Costco Wholesale Corp	Com	22160K105	8,191,454	8,940	SH		OTR	0	8,388	0	552
Coupang Inc	Com	22266T109	31,431	1,430	SH		SOLE	0	1,430	0	0
Coupang Inc	Com	22266T109	145,178	6,605	SH		OTR	0	6,605	0	0
Crispr Therapeutic	Com	H17182108	79	2	SH		SOLE	0	2	0	0
Crown Castle Inc	Com	22822V101	115,084	1,268	SH		SOLE	0	1,268	0	0
Crown Castle Inc	Com	22822V101	3,630	40	SH		OTR	0	40	0	0
Csx Corp	Com	126408103	228,923	7,094	SH		SOLE	0	7,094	0	0
Csx Corp	Com	126408103	204,398	6,334	SH		OTR	0	6,334	0	0
Cummins Inc	Com	231021106	283,412	813	SH		SOLE	0	813	0	0
Cummins Inc	Com	231021106	225,893	648	SH		OTR	0	623	25	0
CVS Health Corp	Com	126650100	1,480,528	32,981	SH		SOLE	0	31,950	0	1,031
CVS Health Corp	Com	126650100	651,354	14,510	SH		OTR	0	13,178	251	1,081
D R Horton Inc	Com	23331A109	325,082	2,325	SH		OTR	0	2,325	0	0
Danaher Corp	Com	235851102	5,517,005	24,034	SH		SOLE	0	22,114	0	1,920
Danaher Corp	Com	235851102	4,990,876	21,742	SH		OTR	0	20,504	120	1,118
Darden Restaurants Inc	Com	237194105	12,695	68	SH		SOLE	0	68	0	0
Deere & CO	Com	244199105	5,513,139	13,012	SH		SOLE	0	12,234	13	765
Deere & CO	Com	244199105	9,182,003	21,671	SH		OTR	0	21,460	70	141
Dell Technologies Inc Cl C	Com	24703L202	3,227	28	SH		OTR	0	28	0	0
Delta Air Lines Inc	Com	247361702	17,445	288	SH		SOLE	0	0	0	288
Deutsche Bank Ag ADR	Com	D18190898	170,500	10,000	SH		SOLE	0	10,000	0	0
Devon Energy Corporation	COM	25179M103	3,273	100	SH		DFND	1	0	0	100
Diageo PLC Spons ADR	Com	25243Q205	57,209	450	SH		OTR	0	450	0	0
Diamondback Energy Inc	Com	25278X109	28,506	174	SH		OTR	0	174	0	0
Dicks Sporting Goods Inc	Com	253393102	948,900	4,147	SH		SOLE	0	3,391	0	756
Dicks Sporting Goods Inc	Com	253393102	57,897	253	SH		OTR	0	253	0	0
Dick's Sporting Goods Inc.	COM	253393102	24,083	105	SH		DFND	1	0	0	105
Digital Realty Trust Inc REIT	Com	253868103	314,938	1,776	SH		SOLE	0	1,776	0	0
Digital World Acquisitio	COM	25400Q105	17,596	516	SH		DFND	1	0	0	516
Dimensional Intl Core Equity E	Com	25434V799	7,030	272	SH		SOLE	0	272	0	0
Dimensional Intl Small Cap E E	Com	25434V773	4,886	199	SH		SOLE	0	199	0	0
Dimensional U.S. Equity ETF	COM	25434V401	2,356,136	36,959	SH		DFND	1	0	0	36,959
Dimensional US High Profitab E	Com	25434V831	3,818	113	SH		SOLE	0	113	0	0
Dimensional US Small Cap Val E	Com	25434V815	15,882	516	SH		SOLE	0	516	0	0
Dimensional World ex U.S. Core E	COM	25434V880	551,743	22,194	SH		DFND	1	0	0	22,194
Disney Walt CO New	Com	254687106	4,237,962	38,060	SH		SOLE	0	36,752	0	1,308
Disney Walt CO New	Com	254687106	2,997,097	26,916	SH		OTR	0	25,508	519	889
DNP Select Income Fund Inc	COM	23325P104	12,948	1,468	SH		DFND	1	0	0	1,468
Docusign Inc	Com	256163106	90	1	SH		SOLE	0	1	0	0
Dollar General Corp	Com	256677105	11,373	150	SH		SOLE	0	150	0	0
Dominion Resources Inc	Com	25746U109	482,262	8,954	SH		SOLE	0	8,644	0	310
Dominion Resources Inc	Com	25746U109	407,774	7,571	SH		OTR	0	5,736	0	1,835
Dominion Resources, Inc.	COM	25746U109	115,607	2,146	SH		DFND	1	0	0	2,146
Dover Corp	Com	260003108	175,781	937	SH		SOLE	0	537	0	400
Dover Corp	Com	260003108	70,350	375	SH		OTR	0	375	0	0
Dow Inc Com	Com	260557103	750,190	18,694	SH		SOLE	0	18,603	0	91
Dow Inc Com	Com	260557103	503,591	12,549	SH		OTR	0	12,258	0	291
DT Midstream Inc	Com	23345M107	149,344	1,502	SH		SOLE	0	1,502	0	0
DTE Energy Co	Com	233331107	324,093	2,684	SH		SOLE	0	2,684	0	0
Duke Energy Corp	Com	26441C204	538,808	5,001	SH		SOLE	0	4,716	285	0
Duke Energy Corp	Com	26441C204	134,890	1,252	SH		OTR	0	1,252	0	0
Dupont De Nemours Inc	Com	26614N102	1,028,308	13,486	SH		SOLE	0	13,395	0	91
Dupont De Nemours Inc	Com	26614N102	827,999	10,859	SH		OTR	0	10,647	34	178
Dutch Bros Inc	COM	26701L100	2,619	50	SH		DFND	1	0	0	50
East West Bancorp Inc	Com	27579R104	21,067	220	SH		OTR	0	220	0	0
Eaton Corp PLC	Com	G29183103	1,824,289	5,497	SH		SOLE	0	5,497	0	0
Eaton Corp PLC	Com	G29183103	2,052,948	6,186	SH		OTR	0	5,404	0	782
Eaton Corp Plc	COM	G29183103	20,908	63	SH		DFND	1	0	0	63
Eaton Vance Tax Man Gl D	COM	27829F108	6,536	800	SH		DFND	1	0	0	800
Ecolab Inc	Com	278865100	1,415,527	6,041	SH		SOLE	0	6,041	0	0
Ecolab Inc	Com	278865100	646,723	2,760	SH		OTR	0	2,340	0	420
Edwards Lifesciences Corp	Com	28176E108	40,420	546	SH		OTR	0	546	0	0
EI DuPont de Nemours & Co.	COM	26614N102	15,784	207	SH		DFND	1	0	0	207
Electrovaya Inc New	Com	28617B606	9,166	3,696	SH		SOLE	0	3,696	0	0
ELI LILLY AND CO	COM	532457108	99,660	129	SH		DFND	1	0	0	129
Emerson Elec CO	Com	291011104	1,703,666	13,747	SH		SOLE	0	13,747	0	0
Emerson Elec CO	Com	291011104	422,601	3,410	SH		OTR	0	3,410	0	0
Enbridge Incorporated	Com	29250N105	326,244	7,689	SH		SOLE	0	7,689	0	0
Enbridge Incorporated	Com	29250N105	86,769	2,045	SH		OTR	0	2,045	0	0
Energy Select Sector SPDR	Com	81369Y506	952,134	11,115	SH		SOLE	0	9,698	0	1,417
Energy Select Sector SPDR	Com	81369Y506	144,166	1,683	SH		OTR	0	1,470	80	133
Energy Select Sector SPDR	COM	81369Y506	12,849	150	SH		DFND	1	0	0	150
Energy Transfer Equity LP	Com	29273V100	39,180	2,000	SH		OTR	0	2,000	0	0
Entergy Corp	Com	29364G103	3,791	50	SH		SOLE	0	50	0	0
Entergy Corp	Com	29364G103	21,988	290	SH		OTR	0	290	0	0
Enterprise Prods Partners LP	Com	293792107	51,681	1,648	SH		SOLE	0	1,648	0	0
Enterprise Prods Partners LP	Com	293792107	504,896	16,100	SH		OTR	0	16,100	0	0
Eog Res Inc	Com	26875P101	161,070	1,314	SH		SOLE	0	1,314	0	0
Eog Res Inc	Com	26875P101	134,470	1,097	SH		OTR	0	1,097	0	0
Equinix Inc	Com	29444U700	165,006	175	SH		OTR	0	175	0	0
Essential Utils Inc	Com	29670G102	29,056	800	SH		OTR	0	800	0	0
Etsy, Inc.	COM	29786A106	18,512	350	SH		DFND	1	0	0	350
Eversource Energy	Com	30040W108	149,318	2,600	SH		SOLE	0	2,600	0	0
Exelon Corp	Com	30161N101	136,596	3,629	SH		SOLE	0	3,629	0	0
Exelon Corp	Com	30161N101	69,973	1,859	SH		OTR	0	1,509	0	350
EXXON MOBIL CORP	COM	30231G102	16,267	151	SH		DFND	1	0	0	151
Exxon Mobil Corporation	COM	30231G102	829,580	7,712	SH		DFND	1	0	0	7,712
Exxonmobil Corp	Com	30231G102	11,164,152	103,785	SH		SOLE	0	100,239	425	3,121
Exxonmobil Corp	Com	30231G102	7,175,995	66,710	SH		OTR	0	64,219	560	1,931
Fastenal CO	Com	311900104	115,056	1,600	SH		SOLE	0	1,600	0	0
Fastenal CO	Com	311900104	531,415	7,390	SH		OTR	0	7,390	0	0
Fedex Corporation	Com	31428X106	358,133	1,273	SH		SOLE	0	1,273	0	0
Fedex Corporation	Com	31428X106	7,315	26	SH		OTR	0	26	0	0
FedEx Corporation	COM	31428X106	7,033	25	SH		DFND	1	0	0	25
Fidelity Wise Origin Bitcoin F	Com	315948109	4,405	54	SH		OTR	0	54	0	0
Financial Instns Inc	Com	317585404	13,645	500	SH		OTR	0	500	0	0
Financial Select Sector SPDR	Com	81369Y605	1,407,225	29,117	SH		SOLE	0	26,428	0	2,689
Financial Select Sector SPDR	Com	81369Y605	55,869	1,156	SH		OTR	0	1,010	146	0
First Solar Inc	Com	336433107	17,624	100	SH		SOLE	0	100	0	0
First Solar Inc	Com	336433107	320,757	1,820	SH		OTR	0	1,820	0	0
First Solar Inc	COM	336433107	5,992	34	SH		DFND	1	0	0	34
First Trust DW Dynamic Focus 5	COM	33738R878	497,239	13,607	SH		DFND	1	0	0	13,607
First Trust DW Focus 5	COM	33738R605	1,446,911	24,499	SH		DFND	1	0	0	24,499
First Trust Enhanced Short Matur	COM	33739Q408	459,034	7,680	SH		DFND	1	0	0	7,680
First Trust ISE Water Index Fd	COM	33733B100	413,507	4,052	SH		DFND	1	0	0	4,052
First Trust Low Duration	COM	33739Q200	379,188	7,791	SH		DFND	1	0	0	7,791
First Trust Morningstar Div	COM	336917109	11,877	295	SH		DFND	1	0	0	295
First Trust NASDAQ Cln EdgeSt	COM	33737A108	87,476	733	SH		DFND	1	0	0	733
First TRUST Preferred	COM	33739E108	79,438	4,488	SH		DFND	1	0	0	4,488
First Trust Rising Dividend	COM	33738R506	789,874	13,356	SH		DFND	1	0	0	13,356
First Trust Senior Loan	COM	33738D309	280,862	6,074	SH		DFND	1	0	0	6,074
First Trust Small Cap AlphaDEX	COM	33734Y109	25,972	257	SH		DFND	1	0	0	257
First Trust Value Line Div Index	COM	33734H106	615,324	14,100	SH		DFND	1	0	0	14,100
First Trust Value Line Dividen	Com	33734H106	654,600	15,000	SH		SOLE	0	15,000	0	0
FirstTrust NASDAQ Clean Edge Gre	COM	33733E500	1,188	35	SH		DFND	1	0	0	35
Fiserv Inc	Com	337738108	850,644	4,141	SH		SOLE	0	4,141	0	0
Fiserv Inc	Com	337738108	720,613	3,508	SH		OTR	0	3,508	0	0
Flagstar Financial, Inc.	Com	649445400	774	83	SH		OTR	0	83	0	0
Flexshares Disciplined Duratio	Com	33939L779	323,396	15,982	SH		SOLE	0	15,982	0	0
FlexShares Emerging Mkts Facto	Com	33939L308	61,244	1,202	SH		SOLE	0	1,202	0	0
FlexShares Global Quality Real	Com	33939L787	935,322	16,414	SH		SOLE	0	16,414	0	0
FlexShares Global Quality Real	Com	33939L787	184,910	3,245	SH		OTR	0	3,245	0	0
FlexShares Global Quality Real E	COM	33939L787	3,761	66	SH		DFND	1	0	0	66
FlexShares International Quali	Com	33939L837	320,777	13,785	SH		SOLE	0	13,785	0	0
FlexShares Mstar Glbl Upstrm N	Com	33939L407	39,683,595	1,091,408	SH		SOLE	0	1,084,072	0	7,336
FlexShares Mstar Glbl Upstrm N	Com	33939L407	2,765,542	76,060	SH		OTR	0	74,405	340	1,315
FlexShares Real Assets Allocat	Com	33939L738	350,061	11,750	SH		SOLE	0	11,750	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	5,180,412	95,539	SH		SOLE	0	95,539	0	0
FlexShares STOXX Glbl Brd Infr	Com	33939L795	1,131,363	20,865	SH		OTR	0	20,630	0	235
FlexShares STOXX Global Broad In	COM	33939L795	3,362	62	SH		DFND	1	0	0	62
Flexshares Upstream	COM	33939L407	6,690	184	SH		DFND	1	0	0	184
Flowr Corp New	COM	34354X108	0	100	SH		DFND	1	0	0	100
Ford Motor CO Del	Com	345370860	23,760	2,400	SH		SOLE	0	1,400	0	1,000
Ford Motor CO Del	Com	345370860	23,909	2,415	SH		OTR	0	2,415	0	0
Ford Motor Co.	COM	345370860	32,670	3,300	SH		DFND	1	0	0	3,300
Fortinet Inc	Com	34959E109	9,448	100	SH		OTR	0	100	0	0
Fortive Corp	Com	34959J108	635,665	8,476	SH		SOLE	0	7,675	0	801
Fortive Corp	Com	34959J108	714,600	9,528	SH		OTR	0	8,716	50	762
Freeport-McMoran Inc	Com	35671D857	237,695	6,242	SH		SOLE	0	6,242	0	0
Freeport-McMoran Inc	Com	35671D857	223,492	5,869	SH		OTR	0	5,810	59	0
GE Aerospace	Com	369604301	1,518,123	9,102	SH		SOLE	0	8,748	0	354
GE Aerospace	Com	369604301	209,822	1,258	SH		OTR	0	1,249	0	9
Ge Healthcare Technologi	COM	36266G107	24,793	317	SH		DFND	1	0	0	317
GE Healthcare Technologies Inc	Com	36266G107	237,980	3,044	SH		SOLE	0	3,044	0	0
GE Healthcare Technologies Inc	Com	36266G107	235,322	3,010	SH		OTR	0	3,010	0	0
GE Vernova Inc	Com	36828A101	530,893	1,614	SH		SOLE	0	1,526	0	88
GE Vernova Inc	Com	36828A101	14,473	44	SH		OTR	0	42	0	2
Ge Vernova Inc	COM	36828A101	70,062	213	SH		DFND	1	0	0	213
Generac Hldgs Inc	Com	368736104	28,684	185	SH		OTR	0	185	0	0
General Dynamics Corp	Com	369550108	4,155,237	15,770	SH		SOLE	0	15,620	0	150
General Dynamics Corp	Com	369550108	412,098	1,564	SH		OTR	0	1,545	19	0
General Dynamics Corp.	COM	369550108	15,282	58	SH		DFND	1	0	0	58
General Electric Co.	COM	369604301	72,959	437	SH		DFND	1	0	0	437
General Mls Inc	Com	370334104	2,072,580	32,501	SH		SOLE	0	31,695	0	806
General Mls Inc	Com	370334104	301,951	4,735	SH		OTR	0	4,735	0	0
General Motors CO	Com	37045V100	24,717	464	SH		SOLE	0	464	0	0
Generex Biotech Corp Xxx	COM	371485301	0	235	SH		DFND	1	0	0	235
Genuine Parts CO	Com	372460105	200,827	1,720	SH		SOLE	0	1,720	0	0
Genuine Parts Co	COM	372460105	9,808	84	SH		DFND	1	0	0	84
Gerdau S.A.	COM	373737105	904	314	SH		DFND	1	0	0	314
Gilead Sciences Inc	Com	375558103	496,581	5,376	SH		SOLE	0	5,376	0	0
Gilead Sciences Inc	Com	375558103	354,701	3,840	SH		OTR	0	3,840	0	0
Gilead Sciences Inc.	COM	375558103	4,619	50	SH		DFND	1	0	0	50
Gldmn Schs Acs Inv Grd	COM	381430479	2,344	52	SH		DFND	1	0	0	52
Global X Lithium Battery	COM	37954Y855	979	24	SH		DFND	1	0	0	24
GLOBAL X ROBOTICS ARTFCLINTLGNC ETF	COM	37954Y715	13,214	414	SH		DFND	1	0	0	414
Global X US Preferred ETF	Com	37954Y657	234,120	12,000	SH		OTR	0	12,000	0	0
Goldman Sachs Group Inc	Com	38141G104	2,620,309	4,576	SH		SOLE	0	4,546	20	10
Goldman Sachs Group Inc	Com	38141G104	2,200,579	3,843	SH		OTR	0	3,749	0	94
Goldman Sachs Group Inc	COM	38141G104	20,614	36	SH		DFND	1	0	0	36
Golub Cap Bdc Inc	Com	38173M102	156,148	10,300	SH		SOLE	0	10,300	0	0
Golub Cap Bdc Inc	Com	38173M102	1,000,363	65,987	SH		OTR	0	65,987	0	0
GOODYEAR TIRE & RUBR CO	COM	382550101	6,345	705	SH		DFND	1	0	0	705
Grail Inc	Com	384747101	54	3	SH		OTR	0	3	0	0
Grainger W W Inc	Com	384802104	7,295,080	6,921	SH		SOLE	0	6,921	0	0
Grainger W W Inc	Com	384802104	1,343,914	1,275	SH		OTR	0	607	100	568
Graphic Packaging Holding Compan	COM	388689101	7,306	269	SH		DFND	1	0	0	269
Grayscale Ethereum Mini Trust ET	COM	38964R203	567	18	SH		DFND	1	0	0	18
Grayscale Ethereum Trust ETF	COM	389638107	5,044	180	SH		DFND	1	0	0	180
Greenpower Motor Co	COM	39540E302	274	356	SH		DFND	1	0	0	356
GSK PLC Sponsored ADR	Com	37733W204	287,842	8,511	SH		SOLE	0	8,511	0	0
GSK PLC Sponsored ADR	Com	37733W204	107,480	3,178	SH		OTR	0	2,578	0	600
Guardant Health Inc	Com	40131M109	9,165	300	SH		SOLE	0	300	0	0
Guardant Health Inc	Com	40131M109	46,589	1,525	SH		OTR	0	0	0	1,525
Haleon PLC Spon ADR	Com	405552100	2,862	300	SH		SOLE	0	300	0	0
Haleon PLC Spon ADR	Com	405552100	16,056	1,683	SH		OTR	0	1,683	0	0
Halliburton CO	Com	406216101	69,797	2,567	SH		SOLE	0	2,567	0	0
Halliburton CO	Com	406216101	16,613	611	SH		OTR	0	611	0	0
Harley Davidson Inc	Com	412822108	31,154	1,034	SH		SOLE	0	1,034	0	0
HARLEY DAVIDSON INC	COM	412822108	851	28	SH		DFND	1	0	0	28
HCA Holdings Inc	Com	40412C101	45,023	150	SH		SOLE	0	150	0	0
Health Care Select Sector SPDR	Com	81369Y209	1,103,546	8,022	SH		SOLE	0	7,486	0	536
Health Care Select Sector SPDR	Com	81369Y209	20,636	150	SH		OTR	0	150	0	0
Healthier Choices Manage	COM	42226N109	0	500,000	SH		DFND	1	0	0	500,000
Healthier Choices Mgmt C	COM	422CNT022	0	7	SH		DFND	1	0	0	7
Healthy Choice Wellness	COM	42227T105	2	2	SH		DFND	1	0	0	2
Helios & Matheson Analyt	COM	42327L309	0	15,000	SH		DFND	1	0	0	15,000
Hereuare Inc	COM	427177100	0	7	SH		DFND	1	0	0	7
Hershey Co.	COM	427866108	142,593	842	SH		DFND	1	0	0	842
Hess Corporation	Com	42809H107	60,387	454	SH		SOLE	0	454	0	0
Home Depot Inc	Com	437076102	3,060,061	7,867	SH		SOLE	0	7,562	0	305
Home Depot Inc	Com	437076102	3,223,949	8,288	SH		OTR	0	7,288	150	850
Honda Motor Co Ltd	COM	438128308	18,558	650	SH		DFND	1	0	0	650
Honeywell International Inc	Com	438516106	4,985,844	22,072	SH		SOLE	0	21,157	0	915
Honeywell International Inc	Com	438516106	1,510,075	6,685	SH		OTR	0	5,686	220	779
Honeywell Intl Inc	COM	438516106	11,295	50	SH		DFND	1	0	0	50
HUMBL, Inc.	COM	44501Q104	0	125	SH		DFND	1	0	0	125
iCAD, Inc.	COM	44934S206	553	302	SH		DFND	1	0	0	302
Icahn Enterprise LP	Com	451100101	1,734	200	SH		OTR	0	200	0	0
Idacorp Inc	Com	451107106	10,928	100	SH		SOLE	0	100	0	0
IDEXX Laboratories, Inc.	COM	45168D104	4,961	12	SH		DFND	1	0	0	12
Idexx Labs Inc	Com	45168D104	227,392	550	SH		OTR	0	550	0	0
Illinois Tool Wks Inc	Com	452308109	484,807	1,912	SH		SOLE	0	1,912	0	0
Illinois Tool Wks Inc	Com	452308109	221,611	874	SH		OTR	0	874	0	0
Illinois Tool Works Inc.	COM	452308109	15,721	62	SH		DFND	1	0	0	62
Illumina Inc	Com	452327109	2,673	20	SH		OTR	0	20	0	0
Impact Shares YWCA Women's Emp	Com	45259A100	23,117	600	SH		SOLE	0	600	0	0
Industrial Select Sector SPDR	Com	81369Y704	1,206,661	9,158	SH		SOLE	0	8,895	0	263
Industrial Select Sector SPDR	Com	81369Y704	68,647	521	SH		OTR	0	435	0	86
Ingersoll Rand Inc	Com	45687V106	255,097	2,820	SH		SOLE	0	2,820	0	0
Ingersoll Rand Inc	Com	45687V106	5,030,842	55,614	SH		OTR	0	55,614	0	0
Ingredion Inc	Com	457187102	13,756	100	SH		SOLE	0	100	0	0
Innovator MSCI EAFE Power Buff	Com	45782C722	85,304	3,080	SH		OTR	0	3,080	0	0
Innovator U.S. Equity Power Bu	Com	45782C813	164,186	3,988	SH		OTR	0	3,988	0	0
Insulet Corp	Com	45784P101	69,184	265	SH		OTR	0	265	0	0
Intel Corp	Com	458140100	1,189,406	59,322	SH		SOLE	0	56,919	903	1,500
Intel Corp	Com	458140100	406,414	20,270	SH		OTR	0	18,755	1,015	500
Intercontinental Exchange Inc	Com	45866F104	1,513,346	10,156	SH		SOLE	0	10,116	0	40
Intercontinental Exchange Inc	Com	45866F104	330,355	2,217	SH		OTR	0	2,182	35	0
Intercontinental Hotels Group	Com	45857P806	874	7	SH		OTR	0	7	0	0
Intl Business Machines Corp.	COM	459200101	672,613	3,060	SH		DFND	1	0	0	3,060
Intl. Business Machines Corp	Com	459200101	4,818,382	21,919	SH		SOLE	0	19,822	390	1,707
Intl. Business Machines Corp	Com	459200101	3,922,207	17,842	SH		OTR	0	16,169	0	1,673
Intuit	Com	461202103	73,535	117	SH		SOLE	0	117	0	0
Intuit	Com	461202103	883,043	1,405	SH		OTR	0	1,405	0	0
Intuitive Surgical	COM	46120E602	48,542	93	SH		DFND	1	0	0	93
Intuitive Surgical Inc	Com	46120E602	492,208	943	SH		SOLE	0	783	0	160
Intuitive Surgical Inc	Com	46120E602	758,408	1,453	SH		OTR	0	1,453	0	0
Invesco California Value Muni	Com	46132H106	9,562	874	SH		SOLE	0	874	0	0
Invesco Global Water ETF	Com	46138E651	15,233	390	SH		SOLE	0	390	0	0
Invesco Global Water ETF	Com	46138E651	43,512	1,114	SH		OTR	0	1,114	0	0
Invesco High Yield Eq Div ETF	Com	46137V563	24,279	1,142	SH		SOLE	0	1,142	0	0
Invesco Intl Divi Achi ETF	Com	46137V548	34,789	1,900	SH		SOLE	0	1,900	0	0
Invesco Muni Income Opp Trust	Com	46132X101	10,762	1,824	SH		SOLE	0	1,824	0	0
Invesco Preferred ETF	Com	46138E511	32,976	2,860	SH		SOLE	0	2,860	0	0
Invesco Preferred ETF	Com	46138E511	46,581	4,040	SH		OTR	0	4,040	0	0
Invesco QQQ Trust	COM	46090E103	29,140	57	SH		DFND	1	0	0	57
Invesco QQQ Trust Unit Ser 1	Com	46090E103	102,757	201	SH		SOLE	0	201	0	0
Invesco S&P 500 Equal Weight E	Com	46137V357	337,493	1,926	SH		SOLE	0	1,926	0	0
Invesco S&P 500 Low Volatility E	COM	46138E354	36,120	516	SH		DFND	1	0	0	516
Invesco Solar ETF	Com	46138G706	6,790	205	SH		SOLE	0	205	0	0
Invesco SP 500 Low Volatility	Com	46138E354	244,510	3,493	SH		SOLE	0	3,493	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	176,777	8,390	SH		SOLE	0	8,390	0	0
Invesco Tr II Senior Loan ETF	Com	46138G508	92,181	4,375	SH		OTR	0	4,375	0	0
Invesco Water Resources ETF	Com	46137V142	6,776	103	SH		SOLE	0	103	0	0
Invesco Water Resources ETF	Com	46137V142	55,264	840	SH		OTR	0	840	0	0
Invitation Homes Inc	Com	46187W107	118,033	3,692	SH		OTR	0	3,692	0	0
Ionis Pharmaceuticals Inc	Com	462222100	596,068	17,050	SH		OTR	0	17,050	0	0
IQVIA Holdings Inc	Com	46266C105	112,011	570	SH		SOLE	0	570	0	0
IQVIA Holdings Inc	Com	46266C105	730,624	3,718	SH		OTR	0	3,718	0	0
Ishar Tru Esg Awr Usd	COM	46435G193	25,946	1,142	SH		DFND	1	0	0	1,142
iShares 0-5 Year High Yield Corp	COM	46434V407	26,631	625	SH		DFND	1	0	0	625
iShares 0-5 Year TIPS Bond ETF	COM	46429B747	4,829	48	SH		DFND	1	0	0	48
IShares 0-5 Yr TIPs ETF	Com	46429B747	6,546,847	65,078	SH		SOLE	0	65,078	0	0
IShares 0-5 Yr TIPs ETF	Com	46429B747	2,128,696	21,160	SH		OTR	0	19,294	305	1,561
Ishares 10-20 Year Tsury	COM	464288653	79,532	799	SH		DFND	1	0	0	799
Ishares 1-3 Year Treasury ETF	Com	464287457	7,243,343	88,355	SH		SOLE	0	87,755	0	600
Ishares 1-3 Year Treasury ETF	Com	464287457	274,633	3,350	SH		OTR	0	3,350	0	0
iShares 20 Year Treasury Bond	COM	464287432	4,921,133	56,351	SH		DFND	1	0	0	56,351
Ishares 3-7 Year Treasury Bond	Com	464288661	1,019,729	8,825	SH		SOLE	0	8,825	0	0
Ishares 5-10 Yr Inv Gr Corp Bd	Com	464288638	185,539	3,602	SH		SOLE	0	3,602	0	0
Ishares 5-10 Yr Inv Gr Corp Bd	Com	464288638	164,832	3,200	SH		OTR	0	3,200	0	0
Ishares Aaa-A Rated Corp Bond	Com	46429B291	73,460	1,570	SH		SOLE	0	1,570	0	0
Ishares Barclays 7-10 Year Tr	Com	464287440	224,469	2,428	SH		SOLE	0	2,428	0	0
Ishares Barclays Mbs Bond ETF	Com	464288588	652,395	7,116	SH		SOLE	0	7,116	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	10,655	100	SH		SOLE	0	100	0	0
Ishares Barclays TIPS Bond ETF	Com	464287176	21,310	200	SH		OTR	0	200	0	0
IShares Broad USD High Yield C	Com	46435U853	93,815	2,550	SH		SOLE	0	2,550	0	0
IShares Broad USD High Yield C	Com	46435U853	39,733	1,080	SH		OTR	0	1,080	0	0
Ishares Broad Usd High Yield Corporate Bd Etf	COM	46435U853	4,341	118	SH		DFND	1	0	0	118
IShares Cohen Steers REIT ETF	Com	464287564	80,447	1,335	SH		SOLE	0	1,335	0	0
iShares Convertible Bond ETF	COM	46435G102	60,754	715	SH		DFND	1	0	0	715
Ishares Core Emerging Markets	Com	46434G103	2,616,744	50,110	SH		SOLE	0	50,110	0	0
Ishares Core Emerging Markets	Com	46434G103	917,244	17,565	SH		OTR	0	16,840	725	0
iShares Core Growth ETF	COM	464289867	5,387,621	93,992	SH		DFND	1	0	0	93,992
iShares Core High Dividend ETF	Com	46429B663	966,110	8,606	SH		SOLE	0	8,606	0	0
iShares Core High Dividend ETF	COM	46429B663	153,010	1,363	SH		DFND	1	0	0	1,363
iShares Core Intl Aggregate Bond	COM	46435G672	1,298	26	SH		DFND	1	0	0	26
IShares Core Intnl Agg Bond ET	Com	46435G672	555,610	11,130	SH		SOLE	0	11,130	0	0
IShares Core Intnl Agg Bond ET	Com	46435G672	61,901	1,240	SH		OTR	0	1,240	0	0
iShares Core Moderate Allocation	COM	464289875	3,258	75	SH		DFND	1	0	0	75
Ishares Core Msci Eafe ETF	Com	46432F842	6,904,659	98,245	SH		SOLE	0	98,195	0	50
Ishares Core Msci Eafe ETF	Com	46432F842	1,305,802	18,580	SH		OTR	0	18,580	0	0
iShares Core MSCI EM ETF	COM	46434G103	32,533	623	SH		DFND	1	0	0	623
IShares Core MSCI Total Intl S	Com	46432F834	84,659	1,280	SH		SOLE	0	1,280	0	0
iShares Core MSCI Total Int'l St	COM	46432F834	5,091,193	76,976	SH		DFND	1	0	0	76,976
iShares Core S&P 500	COM	464287200	2,290,554	3,891	SH		DFND	1	0	0	3,891
Ishares Core S&P 500 ETF	Com	464287200	2,461,271	4,181	SH		SOLE	0	4,181	0	0
iShares Core S&P Mid-Cap	COM	464287507	52,340	840	SH		DFND	1	0	0	840
Ishares Core S&P Mid-Cap ETF	Com	464287507	2,860,154	45,902	SH		SOLE	0	45,902	0	0
Ishares Core S&P Mid-Cap ETF	Com	464287507	1,205,387	19,345	SH		OTR	0	18,620	0	725
iShares Core S&P Small-Cap	COM	464287804	189,998	1,649	SH		DFND	1	0	0	1,649
Ishares Core S&P Small-Cap ETF	Com	464287804	1,651,563	14,334	SH		SOLE	0	14,334	0	0
Ishares Core S&P Small-Cap ETF	Com	464287804	46,088	400	SH		OTR	0	400	0	0
Ishares Core S&P US	COM	464287671	17,724,763	127,196	SH		DFND	1	0	0	127,196
Ishares Core Total U.S. Aggreg	Com	464287226	430,527	4,443	SH		SOLE	0	4,443	0	0
Ishares Core Total U.S. Aggreg	Com	464287226	110,175	1,137	SH		OTR	0	516	0	621
iShares Core US Aggregate Bond E	COM	464287226	6,366,911	65,706	SH		DFND	1	0	0	65,706
Ishares DJ Select Dividend ETF	Com	464287168	181,574	1,383	SH		SOLE	0	1,383	0	0
Ishares DJ Select Dividend ETF	Com	464287168	19,694	150	SH		OTR	0	150	0	0
iShares DJ US Consumer Goods	COM	464287812	12,790	195	SH		DFND	1	0	0	195
Ishares DJ US Telcom Sector ET	Com	464287713	473,335	17,642	SH		SOLE	0	17,642	0	0
Ishares DJ US Telcom Sector ET	Com	464287713	555,408	20,701	SH		OTR	0	20,501	200	0
iShares DowJones EPAC Select D	COM	464288448	57,169	2,088	SH		DFND	1	0	0	2,088
IShares Edge Intl Quality Fact	Com	46434V456	91,315	2,460	SH		SOLE	0	2,460	0	0
IShares Edge MSCI Min Vol USA	Com	46429B697	190,455	2,145	SH		SOLE	0	2,145	0	0
iShares Edge MSCI Min Vol USA	COM	46429B697	119,511	1,346	SH		DFND	1	0	0	1,346
iShares Edge MSCI USA Quality	Com	46432F339	152,793	858	SH		SOLE	0	858	0	0
iShares Edge MSCI USA Value Fact	COM	46432F388	36,435	345	SH		DFND	1	0	0	345
Ishares Esg Advanced MSCI USA ETF	COM	46436E767	32,915	662	SH		DFND	1	0	0	662
iShares ESG Advanced Hi Yld Co	Com	46435G441	22,867	495	SH		SOLE	0	495	0	0
iShares ESG Advanced Hi Yld Co	Com	46435G441	16,261	352	SH		OTR	0	352	0	0
iShares ESG Advanced MSCI EAFE	Com	46436E759	35,864	555	SH		SOLE	0	555	0	0
iShares ESG Advanced MSCI EAFE	Com	46436E759	33,409	517	SH		OTR	0	367	0	150
Ishares Esg Advanced MSCI EAFE ETF	COM	46436E759	20,549	318	SH		DFND	1	0	0	318
iShares ESG Advanced MSCI EM E	Com	46436E742	29,630	795	SH		SOLE	0	795	0	0
iShares ESG Advanced MSCI EM E	Com	46436E742	54,676	1,467	SH		OTR	0	1,022	0	445
Ishares Esg Advnc Ttl	COM	46436E619	1,997	47	SH		DFND	1	0	0	47
iShares ESG AW MSCI EAFE ETF	Com	46435G516	28,705	377	SH		SOLE	0	377	0	0
iShares ESG Aware MSCI USA ETF	Com	46435G425	173,907	1,350	SH		SOLE	0	1,350	0	0
iShares ESG Aware MSCI USA Sma	Com	46435U663	73,419	1,746	SH		SOLE	0	1,746	0	0
iShares ESG Aware MSCI USA Sma	Com	46435U663	20,689	492	SH		OTR	0	246	0	246
Ishares Esg Awr 1-5 Y	COM	46435G243	4,100	166	SH		DFND	1	0	0	166
iShares ESG MSCI EM	COM	46434G863	31,587	946	SH		DFND	1	0	0	946
iShares ESG MSCI USA	COM	46435G425	1,059,029	8,221	SH		DFND	1	0	0	8,221
iShares ESG U.S. Aggregate Bond	COM	46435U549	2,136	46	SH		DFND	1	0	0	46
Ishares Fallen Angels	COM	46435G474	96,717	3,621	SH		DFND	1	0	0	3,621
ISHARES FUTURE AI AND TECH ETF	COM	46435U556	14,336	387	SH		DFND	1	0	0	387
iShares Global Clean Energy ET	Com	464288224	31,515	2,769	SH		SOLE	0	2,769	0	0
iShares Global Clean Energy ET	Com	464288224	9,909	871	SH		OTR	0	871	0	0
iShares Global Energy	COM	464287341	1,756	46	SH		DFND	1	0	0	46
iShares Global Financials ETF	COM	464287333	29,201	304	SH		DFND	1	0	0	304
iShares Global Tech	COM	464287291	73,394	866	SH		DFND	1	0	0	866
iShares Gold Trust New	Com	464285204	65,254	1,318	SH		SOLE	0	1,318	0	0
iShares GSCI Commodity Dynamic R	COM	46431W853	26,019	1,028	SH		DFND	1	0	0	1,028
Ishares Iboxx High Yield	COM	464288513	1,242,749	15,801	SH		DFND	1	0	0	15,801
Ishares IBoxx High Yield Corpo	Com	464288513	3,161,258	40,194	SH		SOLE	0	40,194	0	0
Ishares IBoxx High Yield Corpo	Com	464288513	204,175	2,596	SH		OTR	0	2,596	0	0
iShares iBoxx InvGrade Corp Bd	COM	464287242	149,255	1,397	SH		DFND	1	0	0	1,397
iShares International Treasury	Com	464288117	238,012	6,195	SH		SOLE	0	6,195	0	0
iShares International Treasury B	COM	464288117	38	1	SH		DFND	1	0	0	1
iShares J.P. Morgan USD Emerging	COM	464288281	10,863	122	SH		DFND	1	0	0	122
iShares JPMorgan USD Emerging	Com	464288281	2,760	31	SH		SOLE	0	31	0	0
iShares KLD 400 Social Index	COM	464288570	433,944	3,936	SH		DFND	1	0	0	3,936
Ishares Mbs Etf IV	COM	464288588	122,484	1,336	SH		DFND	1	0	0	1,336
Ishares Morgstar Mid Cap	COM	464288307	124,776	1,652	SH		DFND	1	0	0	1,652
ISHARES MORNINGSTAR GROWTH ETF	COM	464287119	25,626	286	SH		DFND	1	0	0	286
iShares MSCI Denmark ETF	Com	46429B523	6,382	60	SH		OTR	0	60	0	0
Ishares Msci Eafe ETF	Com	464287465	4,138,069	54,729	SH		SOLE	0	51,761	0	2,968
Ishares Msci Eafe ETF	Com	464287465	1,630,227	21,561	SH		OTR	0	21,286	200	75
iShares MSCI EAFE Growth	COM	464288885	352,558	3,641	SH		DFND	1	0	0	3,641
Ishares MSCI EAFE Growth ETF	Com	464288885	21,527,468	222,322	SH		SOLE	0	219,209	0	3,113
Ishares MSCI EAFE Growth ETF	Com	464288885	3,785,733	39,097	SH		OTR	0	39,017	0	80
Ishares Msci Eafe Small Cap ET	Com	464288273	2,496,096	41,088	SH		SOLE	0	41,078	0	10
Ishares Msci Eafe Small Cap ET	Com	464288273	475,065	7,820	SH		OTR	0	7,820	0	0
iShares MSCI EAFE Small-Cap	COM	464288273	3,584	59	SH		DFND	1	0	0	59
Ishares Msci Eafe Value	COM	464288877	477,792	9,106	SH		DFND	1	0	0	9,106
iShares MSCI Emerg Mkt Min Vol	Com	464286533	1,220,110	21,040	SH		SOLE	0	21,040	0	0
iShares MSCI Emerg Mkt Min Vol	Com	464286533	364,177	6,280	SH		OTR	0	6,280	0	0
Ishares Msci Emerging	COM	46434G764	2,662	48	SH		DFND	1	0	0	48
Ishares MSCI Emerging Markets	Com	46434G764	932,946	16,825	SH		SOLE	0	16,825	0	0
Ishares MSCI Emerging Markets	Com	46434G764	32,716	590	SH		OTR	0	590	0	0
Ishares Msci Emerging Mkt ETF	Com	464287234	2,836,872	67,835	SH		SOLE	0	66,069	525	1,241
Ishares Msci Emerging Mkt ETF	Com	464287234	716,326	17,129	SH		OTR	0	16,193	561	375
iShares MSCI Finland Capped	Com	46429B515	8,940	276	SH		OTR	0	276	0	0
Ishares Msci Japan ETF	Com	46434G822	6,710	100	SH		SOLE	0	100	0	0
Ishares MSCI KLD 400 Social In	Com	464288570	97,571	885	SH		SOLE	0	885	0	0
iShares MSCI Norway Capped	Com	46429B499	9,096	405	SH		OTR	0	405	0	0
iShares MSCI South Korea Index	Com	464286772	7,990	157	SH		OTR	0	157	0	0
iShares MSCI Sweden Index	Com	464286756	15,455	414	SH		OTR	0	414	0	0
iShares MSCI Switzerland Index	Com	464286749	9,192	200	SH		OTR	0	200	0	0
iShares MSCI Taiwan ETF	Com	46434G772	12,629	244	SH		OTR	0	244	0	0
iShares MSCI USA ESG Select ET	Com	464288802	503,991	4,145	SH		SOLE	0	4,145	0	0
Ishares Msci Usa Momntum	COM	46432F396	32,073	155	SH		DFND	1	0	0	155
Ishares Msci Usa Qlty	COM	46432F339	109,163	613	SH		DFND	1	0	0	613
iShares MSCI USA Value ETF	Com	46432F388	14,891	141	SH		SOLE	0	141	0	0
Ishares Nasdaq Biotech ETF	Com	464287556	2,378,368	17,989	SH		SOLE	0	17,196	96	697
Ishares Nasdaq Biotech ETF	Com	464287556	1,453,120	10,991	SH		OTR	0	9,210	240	1,541
Ishares National Muni Bond ETF	Com	464288414	575,903	5,405	SH		SOLE	0	5,405	0	0
Ishares New York Muni Bond ETF	Com	464288323	4,291,022	80,628	SH		SOLE	0	76,888	0	3,740
Ishares New York Muni Bond ETF	Com	464288323	1,459,133	27,417	SH		OTR	0	23,592	0	3,825
IShares Russell 1000 ETF	Com	464287622	301,220	935	SH		SOLE	0	935	0	0
iShares Russell 1000 Growth	COM	464287614	55,016	137	SH		DFND	1	0	0	137
Ishares Russell 1000 Growth ET	Com	464287614	389,533	970	SH		SOLE	0	970	0	0
iShares Russell 2000	COM	464287655	161,964	733	SH		DFND	1	0	0	733
Ishares Russell 2000 ETF	Com	464287655	6,612,291	29,925	SH		SOLE	0	28,025	0	1,900
Ishares Russell 2000 ETF	Com	464287655	1,049,670	4,751	SH		OTR	0	4,617	100	34
Ishares Russell 2000 Growth ET	Com	464287648	666,303	2,315	SH		SOLE	0	2,315	0	0
Ishares Russell 2000 Growth ET	Com	464287648	629,462	2,187	SH		OTR	0	2,004	40	143
Ishares Russell 2000 Value ETF	Com	464287630	210,958	1,285	SH		SOLE	0	1,285	0	0
Ishares Russell 2000 Value ETF	Com	464287630	15,596	95	SH		OTR	0	0	95	0
Ishares Russell Mid Cap ETF	Com	464287499	927,316	10,490	SH		SOLE	0	10,490	0	0
Ishares Russell Mid Cap ETF	Com	464287499	28,288	320	SH		OTR	0	320	0	0
Ishares Russell Midcap Growth	Com	464287481	779,132	6,147	SH		OTR	0	6,147	0	0
Ishares Russell MidCap Value	Com	464287473	298,517	2,308	SH		SOLE	0	2,308	0	0
IShares Russell Top 200 Growth	Com	464289438	359,963	1,530	SH		SOLE	0	1,530	0	0
Ishares S&P 100 Etf	COM	464287101	33,487	116	SH		DFND	1	0	0	116
Ishares S&P 500 Growth	COM	464287309	18,682	184	SH		DFND	1	0	0	184
Ishares S&P 500 Growth ETF	Com	464287309	842,090	8,294	SH		SOLE	0	8,294	0	0
Ishares S&P 500 Value	COM	464287408	12,025	63	SH		DFND	1	0	0	63
Ishares S&P 500 Value ETF	Com	464287408	958,408	5,021	SH		SOLE	0	5,021	0	0
Ishares S&P Midcap 400/Grwth E	Com	464287606	353,718	3,890	SH		SOLE	0	3,881	0	9
Ishares S&P Midcap 400/Value E	Com	464287705	81,224	650	SH		SOLE	0	650	0	0
Ishares S&P Pref Stk ETF	Com	464288687	2,125,155	67,594	SH		SOLE	0	67,594	0	0
Ishares S&P Pref Stk ETF	Com	464288687	215,616	6,858	SH		OTR	0	3,678	0	3,180
iShares S&P Small-Cap 600 Value	COM	464287879	68,424	630	SH		DFND	1	0	0	630
Ishares S&P Smallcap 600/Val E	Com	464287879	10,752	99	SH		SOLE	0	99	0	0
Ishares S&P Smallcap 600/Val E	Com	464287879	120,448	1,109	SH		OTR	0	1,109	0	0
Ishares S&P Smallcap/600 Growt	Com	464287887	330,844	2,444	SH		SOLE	0	2,444	0	0
Ishares S&P Smallcap/600 Growt	Com	464287887	122,239	903	SH		OTR	0	903	0	0
Ishares S&P Smll Cap 600	COM	464287887	5,488,035	40,541	SH		DFND	1	0	0	40,541
iShares Short-Term Corporate Bon	COM	464288646	28,073	543	SH		DFND	1	0	0	543
iShares Short-Term National Mu	Com	464288158	839,093	7,955	SH		SOLE	0	7,955	0	0
iShares Silver Trust	Com	46428Q109	53,318	2,025	SH		SOLE	0	2,025	0	0
iShares Silver Trust	COM	46428Q109	4,081	155	SH		DFND	1	0	0	155
iShares SP 100 Index	Com	464287101	13,287	46	SH		SOLE	0	46	0	0
iShares TIPS Bond ETF	COM	464287176	60,414	567	SH		DFND	1	0	0	567
Ishares Total Usd Bond	COM	46434V613	1,204,535	26,649	SH		DFND	1	0	0	26,649
Ishares Tr 10 Yr Invst Grd	Com	464289511	436,943	8,845	SH		SOLE	0	8,845	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	9,449,209	182,770	SH		SOLE	0	182,770	0	0
iShares TR 1-5 Yr Inv Gr Corp	Com	464288646	3,966,269	76,717	SH		OTR	0	68,651	0	8,066
iShares Tr Intrm Gov Cr ETF	Com	464288612	1,294,537	12,420	SH		SOLE	0	12,420	0	0
Ishares Tr Rus 1000 Val ETF	Com	464287598	254,554	1,375	SH		SOLE	0	1,375	0	0
Ishares Treasury	COM	46434V860	41,991	832	SH		DFND	1	0	0	832
iShares U.S. Infrastructure ETF	COM	46435U713	41,013	886	SH		DFND	1	0	0	886
iShares U.S. Medical Devices	COM	464288810	18,555	318	SH		DFND	1	0	0	318
iShares U.S. Treasury Bond	COM	46429B267	420,534	18,300	SH		DFND	1	0	0	18,300
iShares US Energy ETF	COM	464287796	51,357	1,127	SH		DFND	1	0	0	1,127
Ishares US Technology	COM	464287721	93,798	588	SH		DFND	1	0	0	588
Ishrs 0-5 Year Inv Grd	COM	46434V100	56,952	1,145	SH		DFND	1	0	0	1,145
Ishs Msci Emerg Mrkt Min	COM	464286533	161,444	2,784	SH		DFND	1	0	0	2,784
Itt Inc	Com	45073V108	27,719	194	SH		SOLE	0	194	0	0
Jacobs Solutions Inc	Com	46982L108	80,172	600	SH		SOLE	0	600	0	0
Jacobs Solutions Inc	Com	46982L108	397,520	2,975	SH		OTR	0	1,075	0	1,900
JetBlue Airways Corporation	COM	477143101	1,690	215	SH		DFND	1	0	0	215
Jm Smucker CO	Com	832696405	52,307	475	SH		SOLE	0	75	0	400
Jm Smucker CO	Com	832696405	13,875	126	SH		OTR	0	126	0	0
Johnson & Johnson	Com	478160104	11,218,463	77,572	SH		SOLE	0	72,465	0	5,107
Johnson & Johnson	Com	478160104	5,721,023	39,559	SH		OTR	0	36,489	145	2,925
Johnson & Johnson	COM	478160104	381,797	2,640	SH		DFND	1	0	0	2,640
Johnson Controls International	Com	G51502105	7,104	90	SH		SOLE	0	90	0	0
Johnson Controls International	Com	G51502105	4,894	62	SH		OTR	0	0	62	0
JP Morgan Chase & CO	Com	46625H100	19,337,722	80,671	SH		SOLE	0	78,784	65	1,822
JP Morgan Chase & CO	Com	46625H100	13,893,831	57,961	SH		OTR	0	53,097	555	4,309
JPMorgan Chase & Co.	COM	46625H100	484,026	2,019	SH		DFND	1	0	0	2,019
JPMorgan Core Plus Bond ETF	Com	46641Q670	42,062	913	SH		OTR	0	913	0	0
JPMorgan Equity Premium Income	Com	46641Q332	259,748	4,515	SH		SOLE	0	4,515	0	0
JPMorgan Equity Premium Income E	COM	46641Q332	39,811	692	SH		DFND	1	0	0	692
JPMorgan Municipal ETF	Com	46641Q647	1,786,845	35,630	SH		SOLE	0	35,630	0	0
JPMorgan Municipal ETF	Com	46641Q647	378,382	7,545	SH		OTR	0	7,545	0	0
JPMorgan NASDAQ Eqt Prem ETF	Com	46654Q203	112,760	2,000	SH		OTR	0	2,000	0	0
JPMorgan Ultra-Short Income ET	Com	46641Q837	111,620	2,216	SH		SOLE	0	2,216	0	0
Kellanova	Com	487836108	9,797	121	SH		SOLE	0	121	0	0
Kellanova	Com	487836108	45,505	562	SH		OTR	0	562	0	0
Kenvue Inc	Com	49177J102	11,913	558	SH		OTR	0	558	0	0
Keycorp	Com	493267108	47,341	2,762	SH		SOLE	0	2,762	0	0
KeyCorp	COM	493267108	34,972	2,040	SH		DFND	1	0	0	2,040
Kimberly Clark Corp	Com	494368103	690,974	5,273	SH		SOLE	0	5,273	0	0
Kimberly Clark Corp	Com	494368103	91,728	700	SH		OTR	0	700	0	0
Kimberly-Clark Corporation	COM	494368103	13,759	105	SH		DFND	1	0	0	105
Kimco Realty Corp	Com	49446R109	82,005	3,500	SH		SOLE	0	3,500	0	0
Kinder Morgan Inc	Com	49456B101	27,400	1,000	SH		OTR	0	1,000	0	0
Kkr & Co Inc	COM	48251W104	127,203	860	SH		DFND	1	0	0	860
Kraft Heinz CO	Com	500754106	161,197	5,249	SH		SOLE	0	5,249	0	0
Kraft Heinz CO	Com	500754106	217,458	7,081	SH		OTR	0	7,081	0	0
Kraft Heinz Company	COM	500754106	1,013	33	SH		DFND	1	0	0	33
Kroger CO	Com	501044101	12,842	210	SH		SOLE	0	210	0	0
Kyndryl Hldgs Inc	COM	50155Q100	18,719	541	SH		DFND	1	0	0	541
Kyndryl Holdings Inc	Com	50155Q100	346	10	SH		SOLE	0	10	0	0
L M Funding America Inc	COM	502074503	73	34	SH		DFND	1	0	0	34
L3 Harris Technologies Inc	Com	502431109	1,030,372	4,900	SH		SOLE	0	4,900	0	0
Ladrx Corp	COM	232828707	2	1	SH		DFND	1	0	0	1
Lam Research Corporation	COM	512807108	93,899	1,300	SH		DFND	1	0	0	1,300
Lamb Weston Holdings Inc	Com	513272104	4,411	66	SH		OTR	0	66	0	0
Las Vegas Sands Corp	Com	517834107	21,041	410	SH		SOLE	0	0	0	410
Lauder Estee Cos Cl-A	Com	518439104	27,668	369	SH		SOLE	0	369	0	0
Lauder Estee Cos Cl-A	Com	518439104	23,019	307	SH		OTR	0	307	0	0
Lexington Realty C PFD Series C	COM	529043309	4,875	100	SH		DFND	1	0	0	100
Liberty Media Corp Del	Com	531229755	404,554	4,366	SH		OTR	0	4,366	0	0
Lilly Eli & CO	Com	532457108	2,759,128	3,574	SH		SOLE	0	3,031	0	543
Lilly Eli & CO	Com	532457108	5,037,300	6,525	SH		OTR	0	5,347	25	1,153
Lincoln Elec Hldgs Inc	Com	533900106	84,362	450	SH		SOLE	0	450	0	0
Lincoln National Corp.	COM	534187109	30,442	960	SH		DFND	1	0	0	960
Linde PLC	Com	G54950103	2,321,106	5,544	SH		SOLE	0	5,544	0	0
Linde PLC	Com	G54950103	1,422,641	3,398	SH		OTR	0	2,518	0	880
Lockheed Martin Corp	Com	539830109	3,509,725	7,223	SH		SOLE	0	6,670	0	553
Lockheed Martin Corp	Com	539830109	1,107,943	2,280	SH		OTR	0	2,280	0	0
Lockheed Martin Corp	COM	539830109	185,143	381	SH		DFND	1	0	0	381
Logitech International S.A.	Com	H50430232	8,235	100	SH		OTR	0	100	0	0
Lowes Companies Inc	COM	548661107	181,803	737	SH		DFND	1	0	0	737
Lowes Cos Inc	Com	548661107	16,611,614	67,308	SH		SOLE	0	66,758	25	525
Lowes Cos Inc	Com	548661107	7,597,491	30,784	SH		OTR	0	29,845	215	724
LPL Financial	COM	50212V100	96,647	296	SH		DFND	1	0	0	296
Lvmh Moet Hennessy Lou	COM	502441306	3,267	25	SH		DFND	1	0	0	25
Lyft Inc	COM	55087P104	3,225	250	SH		DFND	1	0	0	250
M & T Bank Corp	Com	55261F104	94,005	500	SH		OTR	0	500	0	0
M&T Bank Corp.	COM	55261F104	31,398	167	SH		DFND	1	0	0	167
Manulife Finl Corp ADR	Com	56501R106	3,624	118	SH		SOLE	0	118	0	0
Marathon Digital Hldgs I	COM	565788106	956	57	SH		DFND	1	0	0	57
Markel Group INC COM	Com	570535104	155,361	90	SH		SOLE	0	90	0	0
Markel Group INC COM	Com	570535104	343,520	199	SH		OTR	0	199	0	0
Marriott International Inc	Com	571903202	582,427	2,088	SH		SOLE	0	2,088	0	0
Marriott International Inc	Com	571903202	20,921	75	SH		OTR	0	75	0	0
Marsh & Mc Lennan Co	COM	571748102	10,621	50	SH		DFND	1	0	0	50
Marsh & McLennan Companies Inc	Com	571748102	2,854,578	13,439	SH		SOLE	0	13,384	0	55
Marsh & McLennan Companies Inc	Com	571748102	3,219,923	15,159	SH		OTR	0	14,767	0	392
Martin Marietta Matls Inc	Com	573284106	92,970	180	SH		SOLE	0	180	0	0
Martin Marietta Matls Inc	Com	573284106	118,795	230	SH		OTR	0	230	0	0
Masco Corp	Com	574599106	524,101	7,222	SH		SOLE	0	7,172	0	50
Masco Corp	Com	574599106	11,466	158	SH		OTR	0	158	0	0
Mastercard Inc Cl A	Com	57636Q104	1,491,246	2,832	SH		SOLE	0	2,832	0	0
Mastercard Inc Cl A	Com	57636Q104	2,207,381	4,192	SH		OTR	0	4,150	0	42
Mastercard Incorporated	COM	57636Q104	2,633	5	SH		DFND	1	0	0	5
Materials Select SPDR Fund	Com	81369Y100	2,771,377	32,938	SH		SOLE	0	30,905	0	2,033
Materials Select SPDR Fund	Com	81369Y100	671,185	7,977	SH		OTR	0	7,427	257	293
Mc Donalds Corp	COM	580135101	24,931	86	SH		DFND	1	0	0	86
McCormick & CO Inc	Com	579780206	175,733	2,305	SH		SOLE	0	2,305	0	0
McCormick & CO Inc	Com	579780206	201,655	2,645	SH		OTR	0	2,645	0	0
McDonalds Corp	Com	580135101	13,666,284	47,143	SH		SOLE	0	46,830	58	255
McDonalds Corp	Com	580135101	6,170,888	21,287	SH		OTR	0	20,286	217	784
McEwen Mining Inc	Com	58039P305	778	100	SH		SOLE	0	100	0	0
McKesson Corp	Com	58155Q103	261,019	458	SH		SOLE	0	458	0	0
Medclean Tech Inc Xxx	COM	58405Y302	0	1	SH		DFND	1	0	0	1
Medtronic Inc.	COM	G5960L103	8,947	112	SH		DFND	1	0	0	112
Medtronic PLC	Com	G5960L103	1,593,926	19,954	SH		SOLE	0	19,954	0	0
Medtronic PLC	Com	G5960L103	710,932	8,900	SH		OTR	0	8,329	71	500
MercadoLibre, Inc.	Com	58733R102	20,405	12	SH		SOLE	0	12	0	0
MercadoLibre, Inc.	Com	58733R102	175,145	103	SH		OTR	0	103	0	0
Mercadolibre, Inc.	COM	58733R102	34,046	20	SH		DFND	1	0	0	20
Merck & CO Inc	Com	58933Y105	5,633,751	56,632	SH		SOLE	0	55,089	543	1,000
Merck & CO Inc	Com	58933Y105	4,291,368	43,138	SH		OTR	0	41,807	281	1,050
Merck & Co. Inc.	COM	58933Y105	92,915	934	SH		DFND	1	0	0	934
Meta Platforms Inc	Com	30303M102	2,725,549	4,655	SH		SOLE	0	4,655	0	0
Meta Platforms Inc	Com	30303M102	2,014,740	3,441	SH		OTR	0	3,409	32	0
Meta Platforms, Inc.	COM	30303M102	47,426	81	SH		DFND	1	0	0	81
Metlife Inc	Com	59156R108	539,999	6,595	SH		SOLE	0	6,595	0	0
Metlife Inc	Com	59156R108	131,909	1,611	SH		OTR	0	1,300	111	200
MetLife, Inc.	COM	59156R108	37,092	453	SH		DFND	1	0	0	453
Mettler Toledo International	Com	592688105	61,184	50	SH		OTR	0	50	0	0
MGE ENERGY INC	COM	55277P104	165,506	1,761	SH		DFND	1	0	0	1,761
Microchip Technology Inc	Com	595017104	1,681,158	29,314	SH		SOLE	0	29,314	0	0
Microchip Technology Inc	Com	595017104	411,773	7,180	SH		OTR	0	6,294	136	750
Micron Technology Inc	Com	595112103	18,515	220	SH		SOLE	0	220	0	0
Microsoft Corp	Com	594918104	41,507,213	98,475	SH		SOLE	0	95,129	93	3,253
Microsoft Corp	Com	594918104	48,242,361	114,454	SH		OTR	0	112,179	672	1,603
Microsoft Corporation	COM	594918104	393,862	934	SH		DFND	1	0	0	934
Midcap SPDR Trust Series 1	Com	78467Y107	8,937,079	15,691	SH		SOLE	0	14,718	0	973
Midcap SPDR Trust Series 1	Com	78467Y107	1,129,306	1,983	SH		OTR	0	1,901	50	32
Middlesex Water CO	Com	596680108	43,157	820	SH		SOLE	0	0	0	820
Mind Medicine Mindmed Inc	Com	60255C885	42	6	SH		SOLE	0	6	0	0
Moelis & Company	COM	60786M105	4,292	58	SH		DFND	1	0	0	58
Mondelez International Inc	Com	609207105	2,013,365	33,708	SH		SOLE	0	32,509	0	1,199
Mondelez International Inc	Com	609207105	2,171,783	36,360	SH		OTR	0	35,849	0	511
Mondelez International, Inc.	COM	609207105	5,973	100	SH		DFND	1	0	0	100
Monster Beverage Corp New	Com	61174X109	99,076	1,885	SH		SOLE	0	1,885	0	0
Monster Beverage Corp New	Com	61174X109	157,417	2,995	SH		OTR	0	2,995	0	0
Moodys Corp	Com	615369105	144,378	305	SH		SOLE	0	305	0	0
Moodys Corp	Com	615369105	182,247	385	SH		OTR	0	385	0	0
Moody's Corporation	COM	615369105	3,787	8	SH		DFND	1	0	0	8
Morgan Stanley	Com	617446448	1,750,525	13,924	SH		SOLE	0	13,924	0	0
Morgan Stanley	COM	617446448	12,572	100	SH		DFND	1	0	0	100
Motley Fool 100 Index ETF	COM	74933W601	30,060	500	SH		DFND	1	0	0	500
Motorola Solutions, Inc	Com	620076307	92,446	200	SH		SOLE	0	200	0	0
Nano X Imaging Ltd	Com	M70700105	2,880	400	SH		SOLE	0	400	0	0
National Fuel Gas CO	Com	636180101	40,049	660	SH		SOLE	0	660	0	0
National Fuel Gas CO	Com	636180101	6,068	100	SH		OTR	0	100	0	0
National Grid PLC ADR	Com	636274409	5,407	91	SH		SOLE	0	91	0	0
National Grid PLC ADR	Com	636274409	5,407	91	SH		OTR	0	91	0	0
NBT Bancorp Inc	Com	628778102	9,952,961	208,395	SH		SOLE	0	13,941	0	194,454
NBT Bancorp Inc	Com	628778102	2,280,114	47,741	SH		OTR	0	9,394	0	38,347
NBT Bancorp Inc.	COM	628778102	731,771	15,322	SH		DFND	1	0	0	15,322
Netapp Inc	Com	64110D104	23,216	200	SH		OTR	0	200	0	0
Netease Inc Spons ADR	Com	64110W102	9,189	103	SH		OTR	0	50	0	53
Netflix Inc	Com	64110L106	1,576,745	1,769	SH		SOLE	0	1,759	0	10
Netflix Inc	Com	64110L106	1,216,652	1,365	SH		OTR	0	1,330	0	35
Netflix, Inc.	COM	64110L106	118,546	133	SH		DFND	1	0	0	133
Neurocrine Biosciences Inc	Com	64125C109	14,333	105	SH		SOLE	0	105	0	0
New York Cmnty Banco	COM	649445103	4,348	466	SH		DFND	1	0	0	466
Newmont Mining Corp.	COM	651639106	3,908	105	SH		DFND	1	0	0	105
Nextdoor Hldgs Inc	COM	65345M108	1,185	500	SH		DFND	1	0	0	500
Nextera Energy Inc	Com	65339F101	4,090,703	57,061	SH		SOLE	0	55,261	0	1,800
Nextera Energy Inc	Com	65339F101	2,380,610	33,207	SH		OTR	0	23,722	84	9,401
Nextera Energy Inc	COM	65339F101	77,927	1,087	SH		DFND	1	0	0	1,087
Nike Inc-Class B	Com	654106103	1,898,106	25,084	SH		SOLE	0	24,884	0	200
Nike Inc-Class B	Com	654106103	985,223	13,020	SH		OTR	0	13,020	0	0
Nokia Corp Sponsored ADR	Com	654902204	13	3	SH		OTR	0	3	0	0
Norfolk Southern Corp	Com	655844108	913,218	3,891	SH		SOLE	0	3,891	0	0
Norfolk Southern Corp	Com	655844108	697,998	2,974	SH		OTR	0	2,674	0	300
Northern Tr Corp	Com	665859104	10,250	100	SH		SOLE	0	100	0	0
Northrop Grumman Corporation	Com	666807102	333,665	711	SH		OTR	0	711	0	0
Northrop Grumman Corporation	COM	666807102	47,579	101	SH		DFND	1	0	0	101
Norwegian Cruise Line Holdings	Com	G66721104	5,146	200	SH		SOLE	0	200	0	0
Norwood Financial Corp	Com	669549107	54,709	2,011	SH		SOLE	0	2,011	0	0
NOV Inc	Com	62955J103	4,365	299	SH		SOLE	0	299	0	0
NOV Inc	Com	62955J103	4,774	327	SH		OTR	0	327	0	0
Novartis AG	COM	66987V109	5,547	57	SH		DFND	1	0	0	57
Novartis Ag Spons ADR	Com	66987V109	1,921,581	19,747	SH		SOLE	0	19,497	0	250
Novartis Ag Spons ADR	Com	66987V109	1,053,478	10,826	SH		OTR	0	10,726	100	0
Novo Nordisk As Spons ADR	Com	670100205	1,729,002	20,100	SH		SOLE	0	20,100	0	0
Novo Nordisk As Spons ADR	Com	670100205	111,826	1,300	SH		OTR	0	1,200	0	100
Nucor Corp	Com	670346105	635,136	5,442	SH		SOLE	0	5,442	0	0
Nucor Corp	Com	670346105	84,615	725	SH		OTR	0	725	0	0
Nucor Corporation	COM	670346105	11,671	100	SH		DFND	1	0	0	100
Nugenerex Immuno-Oncolog	COM	629998659	0	67	SH		DFND	1	0	0	67
Nugenerex Immuno-Oncoxxx	COM	67053X102	0	42	SH		DFND	1	0	0	42
Nuveen ESG Large Cap Growth ET	Com	67092P201	48,070	560	SH		SOLE	0	560	0	0
Nuveen ESG Large Cap Growth ET	Com	67092P201	33,563	391	SH		OTR	0	391	0	0
Nuveen Municipal Value Fund	Com	670928100	12,885	1,500	SH		SOLE	0	1,500	0	0
Nuveen New York Amt-Free Quali	Com	670656107	13,661	1,306	SH		SOLE	0	1,306	0	0
Nuveen Quality Muni Income Fun	Com	67066V101	33,313	2,857	SH		SOLE	0	2,857	0	0
Nvidia Corp	Com	67066G104	7,378,185	54,942	SH		SOLE	0	50,836	0	4,106
Nvidia Corp	Com	67066G104	2,180,735	16,239	SH		OTR	0	15,209	280	750
NVIDIA Corporation	COM	67066G104	182,769	1,361	SH		DFND	1	0	0	1,361
NXP Semiconductors NV	Com	N6596X109	21,409	103	SH		SOLE	0	103	0	0
Occidental Pete Corp	Com	674599105	14,576	295	SH		SOLE	0	295	0	0
Occidental Pete Corp	Com	674599105	59,292	1,200	SH		OTR	0	650	0	550
Occidental Pete Corp Wt Exp 08	Com	674599162	5,317	193	SH		OTR	0	125	0	68
Ocugen, Inc.	COM	67577C105	40	50	SH		DFND	1	0	0	50
Oge Energy Corp	Com	670837103	24,750	600	SH		SOLE	0	600	0	0
Omnicom Group	Com	681919106	1,635	19	SH		SOLE	0	19	0	0
Omnicom Group	Com	681919106	8,604	100	SH		OTR	0	100	0	0
Oneok Inc	Com	682680103	10,040	100	SH		SOLE	0	100	0	0
Oneok Inc	Com	682680103	50,200	500	SH		OTR	0	500	0	0
Oracle Corp.	COM	68389X105	202,301	1,214	SH		DFND	1	0	0	1,214
Oracle Corporation	Com	68389X105	5,684,257	34,111	SH		SOLE	0	32,611	0	1,500
Oracle Corporation	Com	68389X105	2,908,868	17,456	SH		OTR	0	14,719	109	2,628
O'Reilly Automotive Inc	Com	67103H107	634,403	535	SH		SOLE	0	535	0	0
Organon & Co	Com	68622V106	2,999	201	SH		SOLE	0	201	0	0
Organon & Co	Com	68622V106	11,608	778	SH		OTR	0	778	0	0
Organon & Co. Common Stock	COM	68622V106	879	59	SH		DFND	1	0	0	59
O'Shares FTSE U.S. Quality Divid	COM	67110P407	12,855	242	SH		DFND	1	0	0	242
O'Shares Global Internet	COM	67110P704	21,017	457	SH		DFND	1	0	0	457
Otis Worldwide Corp	Com	68902V107	1,164,200	12,571	SH		SOLE	0	12,114	50	407
Otis Worldwide Corp	Com	68902V107	690,408	7,455	SH		OTR	0	6,922	433	100
Ouster Inc	COM	68989M103	611	50	SH		DFND	1	0	0	50
Paccar Inc	Com	693718108	906,950	8,719	SH		SOLE	0	8,719	0	0
Pacer US Small Cap Cash Cows 1	Com	69374H857	224,948	5,111	SH		OTR	0	5,111	0	0
Palantir Technologies, Inc.	Com	69608A108	30,252	400	SH		SOLE	0	0	0	400
Palantir Technologies, Inc.	Com	69608A108	22,689	300	SH		OTR	0	300	0	0
Palatin Technologies Inc.	COM	696077502	89	80	SH		DFND	1	0	0	80
Palo Alto Networks	Com	697435105	2,843,489	15,627	SH		SOLE	0	15,567	0	60
Palo Alto Networks	Com	697435105	933,091	5,128	SH		OTR	0	4,246	40	842
Parker Hannifin Corp	Com	701094104	75,052	118	SH		SOLE	0	118	0	0
Paychex Inc	Com	704326107	2,229,358	15,899	SH		SOLE	0	15,899	0	0
Paychex Inc	Com	704326107	65,202	465	SH		OTR	0	390	75	0
Paypal Holdings Inc	Com	70450Y103	793,584	9,298	SH		SOLE	0	9,298	0	0
Paypal Holdings Inc	Com	70450Y103	176,931	2,073	SH		OTR	0	223	0	1,850
PayPal Holdings, Inc.	COM	70450Y103	5,548	65	SH		DFND	1	0	0	65
Pepsico Inc	Com	713448108	7,937,684	52,201	SH		SOLE	0	51,518	0	683
Pepsico Inc	Com	713448108	4,578,983	30,113	SH		OTR	0	28,748	282	1,083
Pepsico, Inc.	COM	713448108	181,103	1,191	SH		DFND	1	0	0	1,191
Petrochina Co 'H'CNY1	Com	011014674	13,372	17,000	SH		SOLE	0	17,000	0	0
Petroleo Brasileiro	COM	71654V408	3,344	260	SH		DFND	1	0	0	260
Petroleo Brasileiro Sa Petrobr	Com	71654V408	25,720	2,000	SH		OTR	0	2,000	0	0
Pfizer Inc	Com	717081103	3,719,699	140,207	SH		SOLE	0	134,578	0	5,629
Pfizer Inc	Com	717081103	1,729,411	65,187	SH		OTR	0	62,693	994	1,500
Pfizer Inc.	COM	717081103	321,733	12,127	SH		DFND	1	0	0	12,127
Philip Morris International	Com	718172109	1,060,524	8,812	SH		SOLE	0	8,137	0	675
Philip Morris International	Com	718172109	2,844,593	23,636	SH		OTR	0	23,636	0	0
Philip Morris Intl, Inc.	COM	718172109	14,442	120	SH		DFND	1	0	0	120
Phillips 66	Com	718546104	59,016	518	SH		SOLE	0	518	0	0
Phillips 66	Com	718546104	10,709	94	SH		OTR	0	94	0	0
Phillips 66	COM	718546104	108,369	951	SH		DFND	1	0	0	951
PIMCO 0-5 Year High Yield Corp	Com	72201R783	18,736	200	SH		SOLE	0	200	0	0
PIMCO 0-5 Year High Yield Corp	Com	72201R783	157,851	1,685	SH		OTR	0	1,685	0	0
PIMCO California Municipal Inc	Com	72200M108	6,469	1,131	SH		SOLE	0	1,131	0	0
Pimco Dynamic Income Cf	COM	72201Y101	8,932	487	SH		DFND	1	0	0	487
PIMCO MUNICIPAL INCOME C	COM	72200R107	19,756	2,200	SH		DFND	1	0	0	2,200
PLUG PWR INC	COM	72919P202	107	50	SH		DFND	1	0	0	50
PNC Financial Services Group	Com	693475105	73,283	380	SH		SOLE	0	380	0	0
PORTILLOS INC CLASS A	COM	73642K106	9,400	1,000	SH		DFND	1	0	0	1,000
Ppg Industries Inc	Com	693506107	47,780	400	SH		OTR	0	400	0	0
PPL Corporation	COM	709051106	38,173	1,176	SH		DFND	1	0	0	1,176
Predictive Technology Group, Inc	COM	74039H102	0	5	SH		DFND	1	0	0	5
Procter & Gamble CO	Com	742718109	14,430,977	86,078	SH		SOLE	0	81,426	125	4,527
Procter & Gamble CO	Com	742718109	8,022,388	47,852	SH		OTR	0	43,566	321	3,965
ProShares Bitcoin Strategy ETF	Com	74347G440	27,103	1,190	SH		SOLE	0	100	0	1,090
ProShares S&P 500 Div Aristocrat	COM	74348A467	275,853	2,771	SH		DFND	1	0	0	2,771
Proshares Trust Pet Care ETF	Com	74348A145	7,077	130	SH		OTR	0	130	0	0
Prudential Financial, Inc.	COM	744320102	69,910	590	SH		DFND	1	0	0	590
Prudential Finl Inc	Com	744320102	1,561,870	13,177	SH		SOLE	0	13,177	0	0
Prudential Finl Inc	Com	744320102	1,475,343	12,447	SH		OTR	0	12,097	150	200
Public Service Enterprise Grou	Com	744573106	98,177	1,162	SH		SOLE	0	1,162	0	0
Public Service Enterprise Grou	Com	744573106	215,450	2,550	SH		OTR	0	2,550	0	0
Public Srvc Enterprise Grp Inc	COM	744573106	80,603	954	SH		DFND	1	0	0	954
Public Storage Inc REIT	Com	74460D109	8,085	27	SH		OTR	0	27	0	0
Qualcomm Inc	Com	747525103	3,569,822	23,238	SH		SOLE	0	22,813	0	425
Qualcomm Inc	Com	747525103	1,739,747	11,325	SH		OTR	0	10,650	175	500
Quanta Services Inc	COM	74762E102	31,605	100	SH		DFND	1	0	0	100
Quanta Services Incorporated	Com	74762E102	1,944,656	6,153	SH		OTR	0	3,053	0	3,100
Raytheon Technologies Co	COM	75513E101	272,058	2,351	SH		DFND	1	0	0	2,351
RBB Fd Motley Fool Glbl ETF	Com	74933W635	29,407	1,038	SH		OTR	0	0	0	1,038
Rbc Bearings Inc	Com	75524B104	119,656	400	SH		SOLE	0	400	0	0
Rbc Bearings Inc	Com	75524B104	738,577	2,469	SH		OTR	0	2,286	0	183
Real Estate Select Sect SPDR	Com	81369Y860	1,138,719	27,999	SH		SOLE	0	25,881	105	2,013
Real Estate Select Sect SPDR	Com	81369Y860	1,417,553	34,855	SH		OTR	0	34,704	26	125
Realty Income Corp REIT	Com	756109104	57,202	1,071	SH		OTR	0	1,071	0	0
Regeneron Pharmaceuticals Inc	Com	75886F107	21,370	30	SH		SOLE	0	30	0	0
Regeneron Pharmaceuticals Inc	Com	75886F107	94,028	132	SH		OTR	0	132	0	0
Reliance, Inc.	Com	759509102	26,926	100	SH		OTR	0	100	0	0
Resmed Inc	Com	761152107	46,881	205	SH		OTR	0	205	0	0
Restaurant Brands	COM	76131D103	4,954	76	SH		DFND	1	0	0	76
Revelyst Inc	COM	690045109	1,923	100	SH		DFND	1	0	0	100
Rivian Automotive, Inc.	COM	76954A103	6,650	500	SH		DFND	1	0	0	500
Rockwell Automation Inc	Com	773903109	162,900	570	SH		SOLE	0	570	0	0
Rockwell Automation Inc	Com	773903109	14,290	50	SH		OTR	0	50	0	0
ROCKWELL AUTOMATION INC	COM	773903109	5,217	18	SH		DFND	1	0	0	18
Roku Inc	Com	77543R102	14,868	200	SH		OTR	0	200	0	0
Roper Technologies Inc	Com	776696106	90,974	175	SH		SOLE	0	175	0	0
Roper Technologies Inc	Com	776696106	842,157	1,620	SH		OTR	0	1,620	0	0
Royal Bank of Canada	Com	780087102	60,255	500	SH		OTR	0	500	0	0
Royce Micro-Cap Trust, Inc.	Com	780915104	39,302	4,031	SH		OTR	0	4,031	0	0
RTX Corporation	Com	75513E101	5,746,655	49,660	SH		SOLE	0	48,614	56	990
RTX Corporation	Com	75513E101	4,219,267	36,461	SH		OTR	0	33,942	1,186	1,333
S E I Investments Co	COM	784117103	249,611	3,026	SH		DFND	1	0	0	3,026
S&P Global Inc	Com	78409V104	8,248,373	16,562	SH		SOLE	0	16,562	0	0
S&P Global Inc	Com	78409V104	1,613,119	3,239	SH		OTR	0	1,739	0	1,500
Salesforce Inc	Com	79466L302	2,909,096	8,701	SH		SOLE	0	8,638	0	63
Salesforce Inc	Com	79466L302	1,753,561	5,245	SH		OTR	0	5,136	34	75
salesforce.com, inc.	COM	79466L302	8,358	25	SH		DFND	1	0	0	25
Sandoz Group Ag	COM	799926100	446	11	SH		DFND	1	0	0	11
Savient Pharmaceuticaxxx	COM	80517Q100	0	500	SH		DFND	1	0	0	500
SCE Trust II Trust Preferred	COM	78407R204	5,321	275	SH		DFND	1	0	0	275
Schlumberger Limited	COM	806857108	1,917	50	SH		DFND	1	0	0	50
Schlumberger Ltd	Com	806857108	959,650	25,030	SH		SOLE	0	24,270	0	760
Schlumberger Ltd	Com	806857108	545,502	14,228	SH		OTR	0	13,942	286	0
Schwab Emerging Markets	COM	808524706	53	2	SH		DFND	1	0	0	2
Schwab Emerging Markets ETF	Com	808524706	9,054	340	SH		OTR	0	340	0	0
Schwab Fundamental Intl	COM	808524748	34	1	SH		DFND	1	0	0	1
Schwab Fundamental Intl Lg Co	Com	808524755	266,178	8,015	SH		SOLE	0	8,015	0	0
Schwab Inter Term US Treasury	COM	808524854	79,574	3,276	SH		DFND	1	0	0	3,276
Schwab International	COM	808524805	312,539	16,894	SH		DFND	1	0	0	16,894
Schwab International Equity ET	Com	808524805	2,932,620	158,520	SH		SOLE	0	158,520	0	0
Schwab International Equity ET	Com	808524805	836,348	45,208	SH		OTR	0	43,878	0	1,330
Schwab Short-Term US Treasury	COM	808524862	57,359	2,384	SH		DFND	1	0	0	2,384
Schwab U.S. Large-Cap	COM	808524201	473,915	20,445	SH		DFND	1	0	0	20,445
Schwab U.S. Large-Cap Growth	COM	808524300	835,626	29,983	SH		DFND	1	0	0	29,983
Schwab U.S. Mid-Cap	COM	808524508	359,620	12,978	SH		DFND	1	0	0	12,978
Schwab U.S. Small-Cap	COM	808524607	569,075	22,006	SH		DFND	1	0	0	22,006
Schwab US Aggregate Bd ETF	Com	808524839	1,131,186	49,832	SH		SOLE	0	49,832	0	0
Schwab US Aggregate Bd ETF	Com	808524839	640,866	28,232	SH		OTR	0	28,232	0	0
Schwab US Aggregate Bond	COM	808524839	63,061	2,778	SH		DFND	1	0	0	2,778
Schwab US Broad Market	COM	808524102	2,871	126	SH		DFND	1	0	0	126
Schwab US Dividend	COM	808524797	5,628	206	SH		DFND	1	0	0	206
Schwab US Dividend Equity ETF	Com	808524797	6,706,076	245,464	SH		SOLE	0	243,790	0	1,674
Schwab US Dividend Equity ETF	Com	808524797	1,111,815	40,696	SH		OTR	0	40,696	0	0
Schwab US Mid-Cap ETF	Com	808524508	322,046	11,622	SH		SOLE	0	11,622	0	0
Schwab US Small Cap ETF	Com	808524607	2,353,338	91,003	SH		SOLE	0	91,003	0	0
Schwab US Small Cap ETF	Com	808524607	501,581	19,396	SH		OTR	0	19,396	0	0
Schwab US TIPs ETF	Com	808524870	91,438	3,540	SH		SOLE	0	3,540	0	0
Schwab US TIPs ETF	Com	808524870	148,548	5,751	SH		OTR	0	5,751	0	0
Sempra	COM	816851109	8,772	100	SH		DFND	1	0	0	100
Servicenow Inc	Com	81762P102	954,108	900	SH		SOLE	0	890	0	10
Servicenow Inc	Com	81762P102	200,363	189	SH		OTR	0	163	0	26
Shell Plc	COM	780259305	6,265	100	SH		DFND	1	0	0	100
Shell PLC Spon ADS	Com	780259305	92,409	1,475	SH		SOLE	0	1,475	0	0
Shell PLC Spon ADS	Com	780259305	485,538	7,750	SH		OTR	0	3,150	0	4,600
Sherwin Williams CO	Com	824348106	374,603	1,102	SH		SOLE	0	1,102	0	0
Sherwin Williams CO	Com	824348106	2,205,126	6,487	SH		OTR	0	6,361	0	126
Shopify Inc.	COM	82509L107	4,253	40	SH		DFND	1	0	0	40
Simon Ppty Group Inc	Com	828806109	86,105	500	SH		OTR	0	500	0	0
SIRIUS XM Radio Inc.	COM	82968B103	228	10	SH		DFND	1	0	0	10
Siriusxm Holdings Inc	Com	829933100	5,700	250	SH		SOLE	0	250	0	0
Smith A O	Com	831865209	27,284	400	SH		SOLE	0	400	0	0
Smurfit Westrock Ltd	COM	G8267P108	19,174	356	SH		DFND	1	0	0	356
Snap Inc.	COM	83304A106	1,077	100	SH		DFND	1	0	0	100
Snowflake Inc	Com	833445109	35,514	230	SH		OTR	0	230	0	0
Solventum Corp	Com	83444M101	6,672	101	SH		OTR	0	101	0	0
Solventum Corp	COM	83444M101	1,652	25	SH		DFND	1	0	0	25
Sonos, Inc.	COM	83570H108	376	25	SH		DFND	1	0	0	25
Southern Company	Com	842587107	1,344,203	16,329	SH		SOLE	0	16,329	0	0
Southern Company	Com	842587107	449,385	5,459	SH		OTR	0	5,459	0	0
Southern Company	COM	842587107	107,016	1,300	SH		DFND	1	0	0	1,300
Southwest Airlines Co.	COM	844741108	2,353	70	SH		DFND	1	0	0	70
SPDR BbgBarc Inv Gr Floating R	Com	78468R200	161,947	5,270	SH		SOLE	0	5,270	0	0
SPDR Bloomberg Barclays High Yie	COM	78464A417	6,874	72	SH		DFND	1	0	0	72
SPDR Bloomberg Conv Sec ETF	Com	78464A359	29,131	374	SH		SOLE	0	374	0	0
SPDR Dow Jones Global Real Est	Com	78463X749	8,792	205	SH		SOLE	0	205	0	0
SPDR Dow Jones Global Real Est	Com	78463X749	5,790	135	SH		OTR	0	135	0	0
SPDR Dow Jones Global Real Estat	COM	78463X749	86	2	SH		DFND	1	0	0	2
SPDR Dow Jones Industrial Aver	Com	78467X109	1,300,754	3,057	SH		SOLE	0	3,057	0	0
SPDR Dow Jones Industrial Aver	Com	78467X109	312,743	735	SH		OTR	0	680	0	55
SPDR Dow Jones Industrial Averag	COM	78467X109	42,927	101	SH		DFND	1	0	0	101
SPDR Gold Shares	COM	78463V107	1,158,108	4,783	SH		DFND	1	0	0	4,783
SPDR Gold Trust	Com	78463V107	367,553	1,518	SH		SOLE	0	1,451	0	67
SPDR Gold Trust	Com	78463V107	610,652	2,522	SH		OTR	0	2,522	0	0
SPDR Nuveen Bloomberg Barclays	Com	78468R739	24,358	514	SH		SOLE	0	514	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	2,271,352	66,550	SH		SOLE	0	66,550	0	0
SPDR Portfolio Developed Wld e	Com	78463X889	666,832	19,538	SH		OTR	0	19,538	0	0
SPDR Portfolio Developed World e	COM	78463X889	25,359	743	SH		DFND	1	0	0	743
SPDR Portfolio Emerging Market	Com	78463X509	404,228	10,535	SH		SOLE	0	10,535	0	0
SPDR Portfolio Emerging Market	Com	78463X509	33,766	880	SH		OTR	0	880	0	0
SPDR Portfolio Emerging Markets	COM	78463X509	12,777	333	SH		DFND	1	0	0	333
SPDR Portfolio Intermediate Te	Com	78464A375	623,947	19,046	SH		SOLE	0	19,046	0	0
Spdr Portfolio S&P 500	COM	78464A854	45,707	663	SH		DFND	1	0	0	663
SPDR Portfolio S&P 500 Growth ET	COM	78464A409	15,470	176	SH		DFND	1	0	0	176
SPDR Portfolio S&P 500 Value E	Com	78464A508	92,205	1,803	SH		SOLE	0	1,803	0	0
SPDR Portfolio S&P 500 Value ETF	COM	78464A508	54,413	1,064	SH		DFND	1	0	0	1,064
SPDR Portfolio Short Term Corp	Com	78464A474	1,192,011	39,920	SH		SOLE	0	39,920	0	0
SPDR Portfolio SP 500 High Div	Com	78468R788	38,051	880	SH		OTR	0	880	0	0
SPDR Preferred Stock ETF	Com	78464A292	482,842	14,636	SH		SOLE	0	14,636	0	0
SPDR Preferred Stock ETF	Com	78464A292	19,299	585	SH		OTR	0	585	0	0
SPDR S&P 400 Mdcp Grw ETF	Com	78464A821	29,021	334	SH		SOLE	0	334	0	0
SPDR S&P 500 ETF Trust	Com	78462F103	7,827,825	13,356	SH		SOLE	0	12,777	0	579
SPDR S&P 500 ETF Trust	Com	78462F103	1,449,376	2,473	SH		OTR	0	2,358	0	115
SPDR S&P 500 Growth ETF	Com	78464A409	104,513	1,189	SH		SOLE	0	1,189	0	0
SPDR S&P 600 Smcp Grw ETF	Com	78464A201	37,405	414	SH		SOLE	0	414	0	0
SPDR S&P Bank ETF	Com	78464A797	162,028	2,921	SH		SOLE	0	2,921	0	0
SPDR S&P Bank ETF	Com	78464A797	34,669	625	SH		OTR	0	530	0	95
SPDR S&P Dividend ETF	Com	78464A763	10,035,241	75,967	SH		SOLE	0	75,967	0	0
SPDR S&P Dividend ETF	Com	78464A763	955,083	7,230	SH		OTR	0	7,230	0	0
SPDR S&P Global Infrastructure E	COM	78463X855	59	1	SH		DFND	1	0	0	1
SPDR S&P Regional Banking ETF	Com	78464A698	1,602,601	26,555	SH		SOLE	0	25,579	0	976
SPDR S&P Regional Banking ETF	Com	78464A698	1,298,370	21,514	SH		OTR	0	21,319	100	95
Spdr Ser Tr	Com	78464A839	31,920	398	SH		SOLE	0	398	0	0
SPDR Tr Bloomberg 1-3 MO ETF	Com	78468R663	206,540	2,259	SH		OTR	0	2,259	0	0
SPHERE ENTERTAINMENT CO CL A	Com	55826T102	36,691	910	SH		OTR	0	910	0	0
Sprott Physical Gold & Silver	Com	85208R101	142,560	6,000	SH		OTR	0	6,000	0	0
SSR Mining Inc.	COM	784730103	524	75	SH		DFND	1	0	0	75
Starbucks Corp	Com	855244109	570,678	6,254	SH		SOLE	0	6,254	0	0
Starbucks Corp	Com	855244109	557,081	6,105	SH		OTR	0	6,105	0	0
Starbucks Corporation	COM	855244109	2,432	27	SH		DFND	1	0	0	27
State Street Corp	Com	857477103	165,088	1,682	SH		SOLE	0	1,682	0	0
State Street Corp	Com	857477103	44,168	450	SH		OTR	0	450	0	0
Stellantis N.V ADR	Com	N82405106	13,050	1,000	SH		SOLE	0	1,000	0	0
Stryker Corp.	COM	863667101	103,334	287	SH		DFND	1	0	0	287
Stryker Corporation	Com	863667101	1,189,605	3,304	SH		SOLE	0	3,284	0	20
Stryker Corporation	Com	863667101	233,672	649	SH		OTR	0	549	0	100
Suburban Propane Partners LP	Com	864482104	5,160	300	SH		SOLE	0	300	0	0
Sun Life Financial Inc	Com	866796105	63,731	1,074	SH		SOLE	0	1,074	0	0
Suncor Energy Inc	Com	867224107	118,253	3,314	SH		SOLE	0	2,730	0	584
Suncor Energy Inc	Com	867224107	10,704	300	SH		OTR	0	300	0	0
Sunpower Corp	COM	867652406	0	6	SH		DFND	1	0	0	6
Svitzer Group A S Ord	COM	K9385K109	858	30	SH		DFND	1	0	0	30
Synchrony Financial	COM	87165B103	13,000	200	SH		DFND	1	0	0	200
Synopsys Inc	Com	871607107	138,328	285	SH		OTR	0	285	0	0
Synovus Financial Corp.	COM	87161C501	1,900	37	SH		DFND	1	0	0	37
Sysco Corp	Com	871829107	470,611	6,155	SH		SOLE	0	6,155	0	0
Sysco Corp	Com	871829107	661,761	8,655	SH		OTR	0	8,655	0	0
Sysco Corporation	COM	871829107	661,838	8,656	SH		DFND	1	0	0	8,656
T Rowe Price Group Inc	Com	74144T108	2,932,763	25,933	SH		SOLE	0	25,883	50	0
T Rowe Price Group Inc	Com	74144T108	1,412,946	12,494	SH		OTR	0	12,014	295	185
Taiwan Semiconductor Spons ADR	Com	874039100	129,553	656	SH		SOLE	0	656	0	0
Taiwan Semiconductor Spons ADR	Com	874039100	360,814	1,827	SH		OTR	0	1,827	0	0
Take Two Interactv	COM	874054109	5,891	32	SH		DFND	1	0	0	32
Tapestry Inc	Com	876030107	62,717	960	SH		SOLE	0	960	0	0
Target Corp	Com	87612E106	2,116,372	15,656	SH		SOLE	0	15,062	0	594
Target Corp	Com	87612E106	1,766,127	13,065	SH		OTR	0	10,300	165	2,600
TE Connectivity PLC	Com	G87052109	269,070	1,882	SH		SOLE	0	1,882	0	0
TE Connectivity PLC	Com	G87052109	495,248	3,464	SH		OTR	0	3,323	0	141
Technipfmc Plc ADR	Com	G87110105	23,297	805	SH		OTR	0	805	0	0
Technology Select Sect SPDR	Com	81369Y803	3,660,097	15,741	SH		SOLE	0	15,521	121	99
Technology Select Sect SPDR	Com	81369Y803	442,486	1,903	SH		OTR	0	1,753	150	0
Telefonaktiebolaget LM Ericsson	COM	294821608	3,522	437	SH		DFND	1	0	0	437
Tesla Inc	Com	88160R101	189,401	469	SH		SOLE	0	469	0	0
Tesla Inc	Com	88160R101	835,949	2,070	SH		OTR	0	2,070	0	0
Tesla, Inc.	COM	88160R101	804,449	1,992	SH		DFND	1	0	0	1,992
Teva Pharmaceutical Inds Spons	Com	881624209	88	4	SH		OTR	0	0	0	4
Texas Instruments Inc	Com	882508104	1,213,002	6,469	SH		SOLE	0	6,469	0	0
Texas Instruments Inc	Com	882508104	1,005,429	5,362	SH		OTR	0	5,230	0	132
Texas Instruments Inc.	COM	882508104	2,951	16	SH		DFND	1	0	0	16
Texas Pacific Land Corporation	Com	88262P102	59,722	54	SH		SOLE	0	54	0	0
Texas Pacific Land Corporation	Com	88262P102	310,775	281	SH		OTR	0	281	0	0
The Boeing Company	COM	097023105	35,400	200	SH		DFND	1	0	0	200
The Carlyle Group Inc.	COM	14316J108	13,430	266	SH		DFND	1	0	0	266
The Charles Schwab Corp	COM	808513105	59,726	807	SH		DFND	1	0	0	807
The Chemours Company	COM	163851108	8,450	500	SH		DFND	1	0	0	500
The Coca-Cola Company	COM	191216100	14,382	231	SH		DFND	1	0	0	231
The Dow Chemical Company	COM	260557103	20,346	507	SH		DFND	1	0	0	507
The Hershey Company	Com	427866108	49,958	295	SH		SOLE	0	295	0	0
The Hershey Company	Com	427866108	586,290	3,462	SH		OTR	0	3,462	0	0
The Procter & Gamble Company	COM	742718109	594,407	3,546	SH		DFND	1	0	0	3,546
The Sherwin-Williams Company	COM	824348106	9,178	27	SH		DFND	1	0	0	27
Thermo Fisher Scientific Inc	Com	883556102	2,349,879	4,517	SH		SOLE	0	4,442	0	75
Thermo Fisher Scientific Inc	Com	883556102	3,405,946	6,547	SH		OTR	0	5,539	0	1,008
Thermo Fisher Scientific, Inc.	COM	883556102	10,405	20	SH		DFND	1	0	0	20
TJX Cos Inc	Com	872540109	4,061,874	33,622	SH		SOLE	0	32,119	203	1,300
TJX Cos Inc	Com	872540109	4,043,269	33,468	SH		OTR	0	32,306	508	654
T-Mobile US Inc	Com	872590104	640,117	2,900	SH		OTR	0	1,600	0	1,300
Tompkins Financial Corporation	Com	890110109	6,444	95	SH		SOLE	0	0	0	95
Toronto Dominion Bank	Com	891160509	4,472	84	SH		SOLE	0	84	0	0
Toronto Dominion Bank	Com	891160509	10,648	200	SH		OTR	0	200	0	0
TotalEnergies SE ADR	Com	89151E109	122,625	2,250	SH		OTR	0	2,250	0	0
Toyota Motor Corp Spons ADR	Com	892331307	17,515	90	SH		SOLE	0	90	0	0
Toyota Motor Corp Spons ADR	Com	892331307	228,667	1,175	SH		OTR	0	1,175	0	0
Tractor Supply Co	Com	892356106	137,956	2,600	SH		SOLE	0	2,600	0	0
Tractor Supply Co	Com	892356106	175,098	3,300	SH		OTR	0	3,300	0	0
Trane Technologies Plc ADR	Com	G8994E103	1,344,434	3,640	SH		SOLE	0	3,640	0	0
Trane Technologies Plc ADR	Com	G8994E103	21,140,486	57,237	SH		OTR	0	57,237	0	0
TransCoastal Corporation	Com	89355M105	0	243,486	SH		OTR	0	243,486	0	0
Transdigm Group Inc	Com	893641100	139,401	110	SH		SOLE	0	110	0	0
Transdigm Group Inc	Com	893641100	1,184,907	935	SH		OTR	0	935	0	0
Travelers Companies Inc	Com	89417E109	295,090	1,225	SH		SOLE	0	1,225	0	0
Travelers Companies Inc	Com	89417E109	32,761	136	SH		OTR	0	136	0	0
Tri Continental Corp	Com	895436103	46,933	1,481	SH		SOLE	0	1,481	0	0
Trimble Inc	Com	896239100	33,140	469	SH		SOLE	0	469	0	0
Truist Financial Corporation	Com	89832Q109	434,234	10,010	SH		SOLE	0	10,010	0	0
Truist Financial Corporation	Com	89832Q109	108,667	2,505	SH		OTR	0	2,505	0	0
Uber Technologies Inc	Com	90353T100	152,187	2,523	SH		SOLE	0	2,523	0	0
Uber Technologies Inc	Com	90353T100	2,329,257	38,615	SH		OTR	0	38,615	0	0
Uber Technologies Inc	COM	90353T100	9,229	153	SH		DFND	1	0	0	153
Under Armour Inc	COM	904311206	1,380	185	SH		DFND	1	0	0	185
Under Armour, Inc.	COM	904311107	414	50	SH		DFND	1	0	0	50
Union Pac Corp	Com	907818108	4,339,145	19,028	SH		SOLE	0	18,120	0	908
Union Pac Corp	Com	907818108	4,201,181	18,423	SH		OTR	0	16,858	45	1,520
United Parcel Service Cl B	Com	911312106	608,937	4,829	SH		SOLE	0	4,829	0	0
United Parcel Service Cl B	Com	911312106	1,702,224	13,499	SH		OTR	0	13,464	35	0
United Rentals Inc	Com	911363109	50,720	72	SH		SOLE	0	72	0	0
United Rentals Inc	Com	911363109	214,854	305	SH		OTR	0	305	0	0
Unitedhealth Group Inc	Com	91324P102	5,619,599	11,109	SH		SOLE	0	10,869	0	240
Unitedhealth Group Inc	Com	91324P102	4,257,824	8,417	SH		OTR	0	8,229	69	119
Unitedhealth Group Inc	COM	91324P102	30,082	59	SH		DFND	1	0	0	59
Universal Display Co	COM	91347P105	14,620	100	SH		DFND	1	0	0	100
US BANCORP DEL	COM	902973304	534,926	11,184	SH		DFND	1	0	0	11,184
US Bancorp New	Com	902973304	1,115,013	23,312	SH		SOLE	0	23,312	0	0
US Bancorp New	Com	902973304	551,719	11,535	SH		OTR	0	10,764	555	216
Utilities Select Sector SPDR	Com	81369Y886	1,898,078	25,077	SH		SOLE	0	20,914	0	4,163
Utilities Select Sector SPDR	Com	81369Y886	1,040,283	13,744	SH		OTR	0	12,947	444	353
Utilities Select Sector SPDR Fun	COM	81369Y886	62,520	826	SH		DFND	1	0	0	826
V.F. Corp	Com	918204108	12,769	595	SH		SOLE	0	595	0	0
V.F. Corp	Com	918204108	11,009	513	SH		OTR	0	513	0	0
Vail Resorts Inc	Com	91879Q109	4,874	26	SH		OTR	0	26	0	0
Vail Resorts Inc	COM	91879Q109	1,024	5	SH		DFND	1	0	0	5
Vale Sa	COM	91912E105	444	50	SH		DFND	1	0	0	50
Valero Energy Corp	Com	91913Y100	36,777	300	SH		SOLE	0	300	0	0
Valero Energy Corp New	COM	91913Y100	35,061	286	SH		DFND	1	0	0	286
Value Line, Inc.	Com	920437100	14,784	280	SH		OTR	0	280	0	0
VanEck BDC Income ETF	COM	92189F411	982	59	SH		DFND	1	0	0	59
Vaneck ETF Trust Agribusiness	Com	92189F700	713,490	11,058	SH		SOLE	0	10,276	0	782
Vaneck ETF Trust Agribusiness	Com	92189F700	679,783	10,536	SH		OTR	0	10,316	125	95
Vaneck Faln Angl Hy Bnd	COM	92189F437	4,863,864	169,650	SH		DFND	1	0	0	169,650
VanEck Vectors Fallen Angel HY	Com	92189F437	207,571	7,240	SH		SOLE	0	7,240	0	0
Vaneck Vectors Gold Miners ETF	Com	92189F106	568,569	16,767	SH		SOLE	0	16,767	0	0
Vaneck Vectors Gold Miners ETF	Com	92189F106	1,766,067	52,081	SH		OTR	0	49,746	0	2,335
VanEck Vectors Social Sentiment	COM	92189H839	224	9	SH		DFND	1	0	0	9
Vanguard Consumer	COM	92204A207	32,754	155	SH		DFND	1	0	0	155
Vanguard Consumer Staples ETF	Com	92204A207	13,951	66	SH		SOLE	0	66	0	0
Vanguard Dividend Appreciation	Com	921908844	161,560	825	SH		SOLE	0	825	0	0
Vanguard Dividend Appreciation	Com	921908844	137,081	700	SH		OTR	0	700	0	0
Vanguard Dividend Appreciation Etf	COM	921908844	29,766	152	SH		DFND	1	0	0	152
Vanguard Emerging Markt	COM	921946885	63	1	SH		DFND	1	0	0	1
Vanguard Extended Market Index	Com	922908652	232,844	1,226	SH		OTR	0	1,226	0	0
Vanguard FTSE All-World ex-US	COM	922042775	191,946	3,343	SH		DFND	1	0	0	3,343
Vanguard Ftse All-World Ex-USI	Com	922042775	560,379	9,761	SH		SOLE	0	9,761	0	0
Vanguard FTSE Developed Market	Com	921943858	485,612	10,155	SH		SOLE	0	10,155	0	0
Vanguard FTSE Developed Market	Com	921943858	159,671	3,339	SH		OTR	0	3,339	0	0
Vanguard FTSE EM Index Fund ETF	COM	922042858	24,839	564	SH		DFND	1	0	0	564
Vanguard Ftse Emerging Markets	Com	922042858	1,328,995	30,177	SH		SOLE	0	30,177	0	0
Vanguard Ftse Emerging Markets	Com	922042858	172,152	3,909	SH		OTR	0	3,409	0	500
Vanguard Growth Index Fund ETF	COM	922908736	36,119	88	SH		DFND	1	0	0	88
Vanguard Health Care	COM	92204A504	86,404	341	SH		DFND	1	0	0	341
Vanguard High Dividend Yield E	Com	921946406	218,434	1,712	SH		SOLE	0	1,712	0	0
Vanguard High Dividend Yield E	Com	921946406	69,409	544	SH		OTR	0	544	0	0
Vanguard Index Fds Growth ETF	Com	922908736	47,201	115	SH		SOLE	0	115	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	1,036,182	3,923	SH		SOLE	0	3,923	0	0
Vanguard Index Fund Mid-Cap	Com	922908629	95,879	363	SH		OTR	0	363	0	0
Vanguard Information Technolog	Com	92204A702	298,464	480	SH		SOLE	0	480	0	0
Vanguard InfoTechnology	COM	92204A702	2,649,471	4,261	SH		DFND	1	0	0	4,261
Vanguard Inter Term Corp Bond	Com	92206C870	1,011,081	12,596	SH		SOLE	0	12,596	0	0
Vanguard Inter Term Corp Bond	Com	92206C870	898,061	11,188	SH		OTR	0	11,188	0	0
Vanguard Intermediate-Term Bon	Com	921937819	2,139,146	28,625	SH		SOLE	0	28,625	0	0
Vanguard Intermediate-Term Bon	Com	921937819	324,702	4,345	SH		OTR	0	2,015	1,500	830
Vanguard Large-Cap ETF	Com	922908637	238,685	885	SH		OTR	0	885	0	0
Vanguard Long-Term Treasury ET	Com	92206C847	143,246	2,588	SH		SOLE	0	2,588	0	0
Vanguard Materials	COM	92204A801	24,607	131	SH		DFND	1	0	0	131
Vanguard Materials Index ETF	Com	92204A801	6,574	35	SH		SOLE	0	35	0	0
Vanguard Mega Cap Etf IV	COM	921910873	79,535	374	SH		DFND	1	0	0	374
Vanguard Mega Cap Growth	COM	921910816	29,190	85	SH		DFND	1	0	0	85
Vanguard Mega Cap Value	COM	921910840	13,116	105	SH		DFND	1	0	0	105
Vanguard Mid Cap Growth	COM	922908538	6,598	26	SH		DFND	1	0	0	26
Vanguard Mid Cap Value	COM	922908512	4,691	29	SH		DFND	1	0	0	29
Vanguard Mid-Cap Growth Index	Com	922908538	1,441,554	5,681	SH		SOLE	0	5,681	0	0
Vanguard Mid-Cap Growth Index	Com	922908538	414,374	1,633	SH		OTR	0	1,633	0	0
Vanguard Mid-Cap Index Fd ETF Sh	COM	922908629	403,062	1,526	SH		DFND	1	0	0	1,526
Vanguard Mid-Cap Value Index F	Com	922908512	10,030	62	SH		SOLE	0	62	0	0
Vanguard Mid-Cap Value Index F	Com	922908512	17,795	110	SH		OTR	0	110	0	0
Vanguard Real Estate ETF	Com	922908553	1,232,600	13,837	SH		SOLE	0	13,837	0	0
Vanguard Real Estate ETF	Com	922908553	461,969	5,186	SH		OTR	0	4,995	191	0
Vanguard REIT	COM	922908553	121,845	1,368	SH		DFND	1	0	0	1,368
VANGUARD RUSSELL 2000 ETF	COM	92206C664	51,462	576	SH		DFND	1	0	0	576
Vanguard S&P 500 ETF	Com	922908363	7,213,049	13,387	SH		SOLE	0	13,205	0	182
Vanguard S&P 500 ETF	Com	922908363	72,739	135	SH		OTR	0	135	0	0
Vanguard S&P 500 Etf	COM	922908363	736,118	1,366	SH		DFND	1	0	0	1,366
Vanguard S&P 500 Value ETF	Com	921932703	55,353	300	SH		SOLE	0	300	0	0
Vanguard Short Term	COM	92206C102	3,142	54	SH		DFND	1	0	0	54
Vanguard Short Term Bond ETF	Com	921937827	535,327	6,928	SH		SOLE	0	6,928	0	0
Vanguard Short Term Bond ETF	Com	921937827	77,270	1,000	SH		OTR	0	1,000	0	0
Vanguard Short Term Corp Bond	Com	92206C409	790,007	10,127	SH		SOLE	0	10,127	0	0
Vanguard Short Term Corp Bond	Com	92206C409	21,999	282	SH		OTR	0	282	0	0
Vanguard Short-Term Corp Bond	COM	92206C409	8,361,814	107,189	SH		DFND	1	0	0	107,189
Vanguard Short-Term TIPS	Com	922020805	294,684	6,086	SH		SOLE	0	6,086	0	0
Vanguard Short-Term Treasury E	Com	92206C102	166,686	2,865	SH		SOLE	0	2,865	0	0
Vanguard Short-Term Treasury E	Com	92206C102	20,363	350	SH		OTR	0	350	0	0
VANGUARD SHRT INF PROT SEC INDEX ETF	COM	922020805	21,950	453	SH		DFND	1	0	0	453
Vanguard Small Cap Etf	COM	922908751	159,786	665	SH		DFND	1	0	0	665
Vanguard Small Cap Growth	COM	922908595	66,094	236	SH		DFND	1	0	0	236
Vanguard Small Cap Value ETF	Com	922908611	117,521	593	SH		SOLE	0	593	0	0
Vanguard Small Cap Value ETF	Com	922908611	10,900	55	SH		OTR	0	55	0	0
Vanguard Small-Cap ETF	Com	922908751	221,778	923	SH		SOLE	0	923	0	0
Vanguard Small-Cap ETF	Com	922908751	166,033	691	SH		OTR	0	691	0	0
Vanguard Small-Cap Growth Etf	Com	922908595	12,603	45	SH		SOLE	0	45	0	0
Vanguard Small-Cap Value	COM	922908611	5,725,024	28,888	SH		DFND	1	0	0	28,888
Vanguard Tax Exempt Bd Idx ETF	Com	922907746	28,073	560	SH		SOLE	0	560	0	0
Vanguard Total Bond Market ETF	Com	921937835	989,554	13,761	SH		SOLE	0	13,761	0	0
Vanguard Total Bond Market ETF	Com	921937835	283,110	3,937	SH		OTR	0	3,937	0	0
Vanguard Total Bond Market Index	COM	921937835	72,485	1,008	SH		DFND	1	0	0	1,008
Vanguard Total International B	Com	92203J407	76,861	1,567	SH		SOLE	0	1,567	0	0
Vanguard Total International S	Com	921909768	1,003,578	17,030	SH		SOLE	0	17,030	0	0
Vanguard Total International S	Com	921909768	297,302	5,045	SH		OTR	0	5,045	0	0
Vanguard Total Stock Market	COM	922908769	15,099,621	52,102	SH		DFND	1	0	0	52,102
Vanguard Total Stock Market ET	Com	922908769	251,555	868	SH		SOLE	0	868	0	0
Vanguard Total Stock Market ET	Com	922908769	615,064	2,122	SH		OTR	0	2,122	0	0
Vanguard Total World Stock Ind	Com	922042742	1,087,395	9,256	SH		SOLE	0	9,256	0	0
Vanguard Value ETF	Com	922908744	116,478	688	SH		SOLE	0	688	0	0
Vanguard Value ETF	Com	922908744	147,539	871	SH		OTR	0	871	0	0
Vanguard Value Etf	COM	922908744	15,483,839	91,458	SH		DFND	1	0	0	91,458
Vanguard World Fund - Utilities	COM	92204A876	37,480	229	SH		DFND	1	0	0	229
Veeva Sys Inc	Com	922475108	4,626	22	SH		OTR	0	22	0	0
Veralto Corp	Com	92338C103	16,907	166	SH		SOLE	0	166	0	0
Veralto Corp	Com	92338C103	190,561	1,871	SH		OTR	0	1,871	0	0
Verisk Analytics Inc	Com	92345Y106	84,282	306	SH		OTR	0	306	0	0
Verizon Communications	Com	92343V104	2,047,088	51,190	SH		SOLE	0	48,398	830	1,962
Verizon Communications	Com	92343V104	1,324,709	33,126	SH		OTR	0	30,405	0	2,721
Verizon Communications Inc.	COM	92343V104	308,166	7,706	SH		DFND	1	0	0	7,706
Vestas Wind Sys As Utd	COM	925458101	6,116	1,350	SH		DFND	1	0	0	1,350
Viacomcbs Inc	COM	92556H206	3,980	381	SH		DFND	1	0	0	381
Viatris Inc	COM	92556V106	13,054	1,049	SH		DFND	1	0	0	1,049
Viking Holdings Ltd	Com	G93A5A101	3,305	75	SH		SOLE	0	75	0	0
Virtus Investment Partners, Inc.	COM	92828Q109	2,647	12	SH		DFND	1	0	0	12
Visa Inc Cl A	Com	92826C839	3,164,825	10,014	SH		SOLE	0	10,014	0	0
Visa Inc Cl A	Com	92826C839	2,122,841	6,717	SH		OTR	0	6,667	50	0
Visa Inc.	COM	92826C839	55,911	177	SH		DFND	1	0	0	177
Vision Technology Co	COM	92834D100	0	100	SH		DFND	1	0	0	100
Vodafone Group plc	COM	92857W308	4,950	583	SH		DFND	1	0	0	583
Vodafone Group Spons ADR	Com	92857W308	60,194	7,090	SH		SOLE	0	7,090	0	0
Vontier Corp	Com	928881101	7,294	200	SH		SOLE	0	200	0	0
Vontier Corp	Com	928881101	12,983	356	SH		OTR	0	40	0	316
Wabtec	COM	929740108	5,690	30	SH		DFND	1	0	0	30
Wal Mart Inc	Com	931142103	6,993,180	77,401	SH		SOLE	0	76,171	0	1,230
Wal Mart Inc	Com	931142103	3,961,667	43,848	SH		OTR	0	39,000	1,050	3,798
Walgreens Boots Alli	COM	931427108	1,493	160	SH		DFND	1	0	0	160
Walgreens Boots Alliance Inc	Com	931427108	13,995	1,500	SH		SOLE	0	1,500	0	0
Wal-Mart Stores Inc.	COM	931142103	1,129,104	12,497	SH		DFND	1	0	0	12,497
Walt Disney Co.	COM	254687106	95,204	855	SH		DFND	1	0	0	855
Warner Bros Discovery Inc	Com	934423104	3,636	344	SH		SOLE	0	344	0	0
Warner Bros Discovery Inc	Com	934423104	31,234	2,955	SH		OTR	0	2,955	0	0
Warner Bros Discovery Inc.	COM	934423104	23,317	2,206	SH		DFND	1	0	0	2,206
Waste Management Inc	Com	94106L109	180,400	894	SH		SOLE	0	894	0	0
Waste Management Inc	Com	94106L109	243,762	1,208	SH		OTR	0	978	0	230
Waters Corp	Com	941848103	25,969	70	SH		SOLE	0	70	0	0
Wd-40 Co Com	Com	929236107	84,938	350	SH		SOLE	0	350	0	0
Webster Finl Co	COM	947890109	2,907	53	SH		DFND	1	0	0	53
Webster Finl Corp	Com	947890109	204,314	3,700	SH		OTR	0	3,700	0	0
Wec Energy Group Inc	Com	92939U106	8,464	90	SH		OTR	0	90	0	0
WEC ENERGY GROUP INC	COM	976657106	85,012	904	SH		DFND	1	0	0	904
Wells Fargo & CO	Com	949746101	2,087,802	29,724	SH		SOLE	0	28,926	0	798
Wells Fargo & CO	Com	949746101	987,574	14,060	SH		OTR	0	12,475	600	985
WELLS FARGO & CO	COM	949746101	35,439	505	SH		DFND	1	0	0	505
Welltower Inc REIT	Com	95040Q104	6,554	52	SH		SOLE	0	52	0	0
WELLTOWER INC REIT	COM	95040Q104	17,938	142	SH		DFND	1	0	0	142
Wendy's International Inc.	COM	95058W100	5,604	344	SH		DFND	1	0	0	344
Western Alliance Bancorporation	COM	957638109	8,651	104	SH		DFND	1	0	0	104
Westinghouse Air Brake Technol	Com	929740108	274,906	1,450	SH		OTR	0	1,450	0	0
Weyerhaeuser CO REIT	Com	962166104	141,820	5,038	SH		SOLE	0	5,038	0	0
Weyerhaeuser CO REIT	Com	962166104	222,948	7,920	SH		OTR	0	7,920	0	0
Wheaton Precious Metals Corp	Com	962879102	10,179	181	SH		OTR	0	181	0	0
Whirlpool Corporation	Com	963320106	11,448	100	SH		OTR	0	100	0	0
Williams Cos Inc	Com	969457100	232,337	4,293	SH		SOLE	0	4,060	0	233
WillScot Holdings Corporation	Com	971378104	127,879	3,823	SH		OTR	0	3,823	0	0
Wisdometree Intl Qulty Div ETF	Com	97717X131	14,676	429	SH		SOLE	0	429	0	0
WisdomTree Emerging Mkts Small	Com	97717W281	20,693	423	SH		OTR	0	423	0	0
WisdomTree Europe Hedged Small	Com	97717X552	6,803	178	SH		OTR	0	178	0	0
Wisdomtree Intl Smcap Div ETF	Com	97717W760	7,869	125	SH		SOLE	0	125	0	0
WisdomTree Japan SmallCap Divi	Com	97717W836	11,496	153	SH		OTR	0	153	0	0
WisdomTree MidCap Dividend	COM	97717W505	1,049,610	20,593	SH		DFND	1	0	0	20,593
WisdomTree MidCap Dividend ETF	Com	97717W505	2,211,435	43,387	SH		SOLE	0	43,011	0	376
WisdomTree MidCap Dividend ETF	Com	97717W505	332,273	6,519	SH		OTR	0	3,509	0	3,010
WisdomTree SmallCap Dividend	COM	97717W604	927,828	27,011	SH		DFND	1	0	0	27,011
WisdomTree SmallCap Dividend E	Com	97717W604	735,090	21,400	SH		SOLE	0	21,330	0	70
WisdomTree SmallCap Dividend E	Com	97717W604	27,446	799	SH		OTR	0	799	0	0
WK Kellogg Co	Com	92942W107	90	5	SH		SOLE	0	5	0	0
Wolfspeed Inc	Com	977852102	7,992	1,200	SH		OTR	0	1,200	0	0
Woodward Inc	Com	980745103	33,617	202	SH		OTR	0	202	0	0
World Gold Tr SPDR Gld Minis	Com	98149E303	11,542	222	SH		SOLE	0	222	0	0
World Gold Tr SPDR Gld Minis	Com	98149E303	35,093	675	SH		OTR	0	675	0	0
Xcel Energy Inc	COM	98389B100	80,214	1,188	SH		DFND	1	0	0	1,188
Xylem Inc	Com	98419M100	415,352	3,580	SH		SOLE	0	3,580	0	0
Xylem Inc	Com	98419M100	116,832	1,007	SH		OTR	0	1,007	0	0
Yum China Holdings Inc	Com	98850P109	12,524	260	SH		OTR	0	260	0	0
Yum China Holdings, Inc.	COM	98850P109	8,815	183	SH		DFND	1	0	0	183
Yum! Brands Inc	Com	988498101	236,524	1,763	SH		SOLE	0	1,763	0	0
Yum! Brands Inc	Com	988498101	189,836	1,415	SH		OTR	0	1,415	0	0
Yum! Brands, Inc.	COM	988498101	30,723	229	SH		DFND	1	0	0	229
Zebra Technologies Corp	Com	989207105	142,129	368	SH		OTR	0	368	0	0
Zillow Group Inc	Com	98954M101	7,085	100	SH		SOLE	0	100	0	0
Zillow Group Inc Cl C	Com	98954M200	14,810	200	SH		SOLE	0	200	0	0
Zimmer Biomet Holdings Inc	Com	98956P102	319,319	3,023	SH		SOLE	0	2,833	0	190
Zimmer Biomet Holdings Inc	Com	98956P102	256,998	2,433	SH		OTR	0	2,384	49	0
Zoetis Inc	Com	98978V103	24,765	152	SH		SOLE	0	152	0	0
Zoetis Inc	Com	98978V103	671,272	4,120	SH		OTR	0	4,120	0	0