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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   844,278 7,723 SH   SOLE   0 0 7,723
ADAMS DIVERSIFIED EQUITY COM 006212104   3,988,471 225,210 SH   SOLE   0 0 225,210
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,129,687 103,233 SH   SOLE   0 0 103,233
ADVENT CONVERT & INCOME COM 00764C109   1,098,524 96,531 SH   SOLE   0 0 96,531
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,235,112 4,511 SH   SOLE   0 0 4,511
ALAMO GROUP INC COM 011311107   210,190 1,000 SH   SOLE   0 0 1,000
ALLSTATE CORP COM 020002101   3,009,573 21,500 SH   SOLE   0 0 21,500
ALPHABET INC-CL A COM 02079K305   1,438,248 10,296 SH   SOLE   0 0 10,296
ALPHABET INC-CL C COM 02079K107   2,063,215 14,640 SH   SOLE   0 0 14,640
AMAZON.COM INC COM 023135106   1,078,318 7,097 SH   SOLE   0 0 7,097
AMAZON.COM INC COM 023135106   227,910 1,500 SH   DFND   1,500 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101   185,200 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   655,520 18,219 SH   SOLE   0 0 18,219
AMGEN INC COM 031162100   5,081,365 17,642 SH   SOLE   0 0 17,642
AMYRIS INC COM 03236M200   28 11,000 SH   SOLE   0 0 11,000
ANDRADA MINING LTD COM G012B4107   898 13,329 SH   SOLE   0 0 13,329
APPLE INC COM 037833100   2,802,082 14,554 SH   SOLE   0 0 14,554
APPLE INC COM 037833100   943,397 4,900 SH   DFND   4,900 0 0
ARKEMA-SPONSORED ADR ADR 041232109   356,130 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   3,042,965 73,413 SH   SOLE   0 0 73,413
ASTRAZENECA PLC-SPONS ADR ADR 046353108   505,125 7,500 SH   DFND   7,500 0 0
AT&T INC COM 00206R102   788,357 46,982 SH   SOLE   0 0 46,982
AUTOMATIC DATA PROCESSING COM 053015103   365,763 1,570 SH   SOLE   0 0 1,570
AUTOZONE INC COM 053332102   369,742 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   612,838 18,201 SH   SOLE   0 0 18,201
BHP GROUP LTD-SPON ADR ADR 088606108   859,135 12,577 SH   SOLE   0 0 12,577
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   144,841 27,432 SH   DFND   27,432 0 0
BROADCOM INC COM 11135F101   1,081,646 969 SH   SOLE   0 0 969
CATERPILLAR INC COM 149123101   354,804 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   232,500 30,000 SH   DFND   30,000 0 0
CHEVRON CORP COM 166764100   522,060 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   1,437,951 28,463 SH   SOLE   0 0 28,463
COCA-COLA CO/THE COM 191216100   254,977 4,327 SH   SOLE   0 0 4,327
COGNITION THERAPEUTICS INC COM 19243B102   95,221 51,471 SH   SOLE   0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407   3,458,067 19,339 SH   SOLE   0 0 19,339
CONSUMER STAPLES SPDR COM 81369Y308   4,227,871 58,696 SH   SOLE   0 0 58,696
COPA HOLDINGS SA-CLASS A COM P31076105   318,930 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   1,184,638 46,420 SH   SOLE   0 0 46,420
CSX CORP COM 126408103   4,006,869 115,572 SH   SOLE   0 0 115,572
CVS HEALTH CORP COM 126650100   1,746,996 22,125 SH   SOLE   0 0 22,125
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   214,060 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103   460,839 10,173 SH   SOLE   0 0 10,173
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   407,848 2,800 SH   DFND   2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500   1,110,460 18,626 SH   SOLE   0 0 18,626
DNAPRINT GENOMICS COM 23324Q202   118 1,175,300 SH   SOLE   0 0 1,175,300
DR HORTON INC COM 23331A109   759,900 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204   271,130 2,794 SH   SOLE   0 0 2,794
ELECTRONIC ARTS INC COM 285512109   218,896 1,600 SH   DFND   1,600 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,140,784 13,607 SH   SOLE   0 0 13,607
ENTEGRIS INC COM 29362U104   1,739,361 14,516 SH   SOLE   0 0 14,516
EVEREST GROUP LTD COM G3223R108   3,682,760 10,416 SH   SOLE   0 0 10,416
EXXON MOBIL CORP COM 30231G102   252,920 2,530 SH   SOLE   0 0 2,530
FIRST SEISMIC CORP COM 336397104   489 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   368,600 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   94,400 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665   60,606 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   4,167,541 44,425 SH   SOLE   0 0 44,425
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   6,970,487 213,426 SH   SOLE   0 0 213,426
GROUP 1 AUTOMOTIVE INC COM 398905109   1,005,642 3,300 SH   DFND   3,300 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   529,686 1,800 SH   DFND   1,800 0 0
HDFC BANK LTD-ADR ADR 40415F101   536,880 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107   0 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104   4,627,014 53,572 SH   SOLE   0 0 53,572
INTEL CORP COM 458140100   556,318 11,071 SH   SOLE   0 0 11,071
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   556,472 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   2,357,083 14,412 SH   SOLE   0 0 14,412
INVESCO BULLETSHARE 2028 HYC COM 46138J452   349,276 16,125 SH   SOLE   0 0 16,125
INVESCO BULLETSHARES 2024 CO COM 46138J841   6,735,268 322,493 SH   SOLE   0 0 322,493
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,142,292 94,312 SH   SOLE   0 0 94,312
INVESCO BULLETSHARES 2025 CO COM 46138J825   6,172,299 301,750 SH   SOLE   0 0 301,750
INVESCO BULLETSHARES 2025 HI COM 46138J817   1,014,394 44,628 SH   SOLE   0 0 44,628
INVESCO BULLETSHARES 2026 CO COM 46138J791   5,682,540 294,432 SH   SOLE   0 0 294,432
INVESCO BULLETSHARES 2026 HI COM 46138J635   954,483 41,266 SH   SOLE   0 0 41,266
INVESCO BULLETSHARES 2027 CO COM 46138J783   4,802,221 246,837 SH   SOLE   0 0 246,837
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   5,127,179 32,492 SH   SOLE   0 0 32,492
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   3,861,960 129,683 SH   SOLE   0 0 129,683
INVESCO S&P GLOBAL WATER IND COM 46138E263   3,019,752 56,968 SH   SOLE   0 0 56,968
INVESCO VARIABLE RATE PREFER COM 46138G870   2,674,247 115,869 SH   SOLE   0 0 115,869
ISHARES CALIFORNIA MUNI BOND COM 464288356   259,571 4,480 SH   SOLE   0 0 4,480
ISHARES CORE S&P MIDCAP ETF COM 464287507   5,019,676 18,112 SH   SOLE   0 0 18,112
ISHARES CORE S&P SMALL-CAP E COM 464287804   206,758 1,910 SH   SOLE   0 0 1,910
ISHARES FLOATING RATE BOND E COM 46429B655   5,608,481 110,796 SH   SOLE   0 0 110,796
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,479,245 51,652 SH   SOLE   0 0 51,652
ISHARES GLOBAL TECH ETF COM 464287291   2,958,210 43,388 SH   SOLE   0 0 43,388
ISHARES GOLD TRUST COM 464285204   264,701 6,782 SH   SOLE   0 0 6,782
ISHARES GSCI COMMODITY DYNAM COM 46431W853   219,713 8,764 SH   SOLE   0 0 8,764
ISHARES MSCI EAFE ETF COM 464287465   984,957 13,072 SH   SOLE   0 0 13,072
ISHARES MSCI EAFE SMALL-CAP COM 464288273   4,065,911 65,685 SH   SOLE   0 0 65,685
ISHARES MSCI USA MIN VOL FAC COM 46429B697   311,111 3,987 SH   SOLE   0 0 3,987
ISHARES RUSSELL 1000 ETF COM 464287622   4,540,275 17,312 SH   SOLE   0 0 17,312
ISHARES RUSSELL 1000 GROWTH COM 464287614   328,939 1,085 SH   SOLE   0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655   1,606,679 8,005 SH   SOLE   0 0 8,005
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,725,327 35,061 SH   SOLE   0 0 35,061
ISHARES SHORT-TERM NATIONAL COM 464288158   560,571 5,317 SH   SOLE   0 0 5,317
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   251,355 6,500 SH   DFND   6,500 0 0
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   966,750 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206   2,746,173 91,296 SH   SOLE   0 0 91,296
JOHN HANCOCK MULTI FACT LRG COM 47804J107   1,961,319 33,350 SH   SOLE   0 0 33,350
JOHNSON & JOHNSON COM 478160104   3,036,401 19,372 SH   SOLE   0 0 19,372
JPMORGAN CHASE & CO COM 46625H100   403,307 2,371 SH   SOLE   0 0 2,371
JPMORGAN CHASE & CO COM 46625H100   357,210 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   1,919,214 38,209 SH   SOLE   0 0 38,209
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   194,387 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   596,160 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107   760,784 1,700 SH   DFND   1,700 0 0
LOCKHEED MARTIN CORP COM 539830109   2,133,401 4,707 SH   SOLE   0 0 4,707
LOWE'S COS INC COM 548661107   3,478,234 15,629 SH   SOLE   0 0 15,629
LOWE'S COS INC COM 548661107   578,630 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLOBAL INFRAST COM 56064Q107   1,137,143 87,607 SH   SOLE   0 0 87,607
MERCK & CO. INC. COM 58933Y105   590,997 5,421 SH   SOLE   0 0 5,421
META PLATFORMS INC-CLASS A COM 30303M102   404,576 1,143 SH   SOLE   0 0 1,143
METLIFE INC COM 59156R108   2,272,512 34,364 SH   SOLE   0 0 34,364
MICROSOFT CORP COM 594918104   1,882,103 5,005 SH   SOLE   0 0 5,005
MICROSOFT CORP COM 594918104   564,060 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   761,220 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   113,499 18,000 SH   DFND   18,000 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   5,084,697 10,527 SH   SOLE   0 0 10,527
NESTLE SA-SPONS ADR ADR 641069406   549,243 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104   705,280 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   538,677 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   211,806 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   567,312 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,353,005 23,304 SH   SOLE   0 0 23,304
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   413,800 4,000 SH   DFND   4,000 0 0
NUVEEN PREFERED & INCOME OPP COM 67073B106   1,199,938 177,506 SH   SOLE   0 0 177,506
NVIDIA CORP COM 67066G104   659,633 1,332 SH   SOLE   0 0 1,332
NVR INC COM 62944T105   350,023 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   2,679,447 11,666 SH   SOLE   0 0 11,666
OLD REPUBLIC INTL CORP COM 680223104   2,691,580 91,550 SH   SOLE   0 0 91,550
ORACLE CORP COM 68389X105   668,426 6,340 SH   SOLE   0 0 6,340
OSISKO GOLD ROYALTIES LTD COM 68827L101   588,921 41,241 SH   SOLE   0 0 41,241
PEARSON PLC-SPONSORED ADR ADR 705015105   196,640 16,000 SH   DFND   16,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,286,141 12,888 SH   SOLE   0 0 12,888
PLEXUS CORP COM 729132100   1,617,625 14,960 SH   SOLE   0 0 14,960
PROCTER & GAMBLE CO/THE COM 742718109   219,663 1,499 SH   SOLE   0 0 1,499
PROCTER & GAMBLE CO/THE COM 742718109   454,274 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103   907,922 6,278 SH   SOLE   0 0 6,278
RGC RESOURCES INC COM 74955L103   878,952 43,213 SH   SOLE   0 0 43,213
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   434,760 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,687,493 290,854 SH   SOLE   0 0 290,854
ROYCE VALUE TRUST COM 780910105   191,785 13,172 SH   SOLE   0 0 13,172
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771   2,754,922 44,477 SH   SOLE   0 0 44,477
SCHWAB INTL EQUITY ETF COM 808524805   542,303 14,673 SH   SOLE   0 0 14,673
SCHWAB US MID CAP ETF COM 808524508   658,684 8,745 SH   SOLE   0 0 8,745
SCHWAB US SMALL-CAP ETF COM 808524607   648,300 13,724 SH   SOLE   0 0 13,724
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   354,840 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   654,780 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   404,712 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   2,485,300 145,000 SH   SOLE   0 0 145,000
SONY GROUP CORP - SP ADR ADR 835699307   378,760 4,000 SH   DFND   4,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,837,303 61,696 SH   SOLE   0 0 61,696
SPDR S&P 500 ETF TRUST COM 78462F103   928,756 1,954 SH   SOLE   0 0 1,954
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   700,184 1,380 SH   SOLE   0 0 1,380
SPDR S&P OIL & GAS EXP & PR COM 78468R556   314,072 2,294 SH   SOLE   0 0 2,294
STELLAR BANCORP INC COM 858927106   1,090,660 39,176 SH   SOLE   0 0 39,176
STRYKER CORP COM 863667101   4,025,192 13,442 SH   SOLE   0 0 13,442
SUMMIT MATERIALS INC -CL A COM 86614U100   333,833 8,680 SH   DFND   8,680 0 0
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100   208,000 2,000 SH   DFND   2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   268,470 4,500 SH   DFND   4,500 0 0
TECNOGLASS INC COM G87264100   1,057,455 23,134 SH   DFND   23,134 0 0
TELLURIAN INC COM 87968A104   7,556 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   261,152 1,051 SH   SOLE   0 0 1,051
TEXAS CAPITAL BANCSHARES INC COM 88224Q107   258,520 4,000 SH   DFND   4,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   716,567 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   1,663,984 48,740 SH   SOLE   0 0 48,740
UNILEVER PLC-SPONSORED ADR ADR 904767704   339,360 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   3,533,665 15,133 SH   SOLE   0 0 15,133
VANECK MORNINGSTAR WIDE MOAT COM 92189F643   1,555,158 18,324 SH   SOLE   0 0 18,324
VANECK MSTAR INT MOAT ETF COM 92189F593   1,054,574 33,866 SH   SOLE   0 0 33,866
VANGUARD ENERGY ETF COM 92204A306   1,686,164 14,377 SH   SOLE   0 0 14,377
VANGUARD FTSE DEVELOPED ETF COM 921943858   9,541,895 199,204 SH   SOLE   0 0 199,204
VANGUARD FTSE EMERGING MARKE COM 922042858   1,061,531 25,828 SH   SOLE   0 0 25,828
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,175,954 10,534 SH   SOLE   0 0 10,534
VANGUARD INFO TECH ETF COM 92204A702   10,702,916 22,113 SH   SOLE   0 0 22,113
VANGUARD S/T CORP BOND ETF COM 92206C409   4,604,843 59,517 SH   SOLE   0 0 59,517
VANGUARD TOTAL STOCK MKT ETF COM 922908769   1,260,808 5,315 SH   SOLE   0 0 5,315
VERITEX HOLDINGS INC COM 923451108   274,446 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   545,444 14,468 SH   SOLE   0 0 14,468
VISA INC-CLASS A SHARES COM 92826C839   417,341 1,603 SH   SOLE   0 0 1,603
VISA INC-CLASS A SHARES COM 92826C839   636,816 2,446 SH   SOLE   0 0 2,446
VOYA FINANCIAL INC COM 929089100   3,096,386 42,440 SH   SOLE   0 0 42,440
WALMART DE MEXICO SAB DE CV COM P98180188   41,967 10,016 SH   SOLE   0 0 10,016
WALT DISNEY CO/THE COM 254687106   424,212 4,698 SH   SOLE   0 0 4,698
WASTE MANAGEMENT INC COM 94106L109   1,001,834 5,594 SH   SOLE   0 0 5,594
WESTERN ASSET GL CORP DEF OP COM 95790C107   3,353,332 262,595 SH   SOLE   0 0 262,595
WESTERN ASSET HI INC OPPORT COM 95766K109   3,649,411 945,443 SH   SOLE   0 0 945,443
WILLIAMS COS INC COM 969457100   1,396,300 40,089 SH   SOLE   0 0 40,089