Senior Vice President and Senior Trust Officer

0000950123-23-000181.txt : 20230113 0000950123-23-000181.hdr.sgml : 20230113 20230113104905 ACCESSION NUMBER: 0000950123-23-000181 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20221231 FILED AS OF DATE: 20230113 DATE AS OF CHANGE: 20230113 EFFECTIVENESS DATE: 20230113 FILER: COMPANY DATA: COMPANY CONFORMED NAME: NORWOOD FINANCIAL CORP CENTRAL INDEX KEY: 0001013272 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 232828306 STATE OF INCORPORATION: PA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-21652 FILM NUMBER: 23527627 BUSINESS ADDRESS: STREET 1: 717 MAIN ST STREET 2: PO BOX 269 CITY: HONESDALE STATE: PA ZIP: 18431 BUSINESS PHONE: 7172531455 MAIL ADDRESS: STREET 1: 717 MAIN ST STREET 2: PO BOX 269 CITY: HONESDALE STATE: PA ZIP: 18431 13F-HR 1 primary_doc.xml X0202 13F-HR LIVE 0001013272 XXXXXXXX 12-31-2022 12-31-2022 false Norwood Financial Corp

717 Main St PO Box 269 Honesdale PA 18431

13F HOLDINGS REPORT 028-21652 N Diane Wylam, Esq. Senior Vice President and Senior Trust Officer (570) 253-8506 /s/ Diane Wylam, Esq. Honesdale PA 01-13-2023 0 906388 63495289 false INFORMATION TABLE 2 19982.xml INFORMATION TABLE FOR FORM 13F AXALTA COATING SYS LTD FOREIGN EQUITIES G0750C108 2546 100 SH SOLE 100 0 0 ACCENTURE PLC IRELAND SHS CLASS A COMMON STOCK G1151C101 33616 126 SH SOLE 126 0 0 FTAI AVIATION LTD SHS COMMON STOCK G3730V105 5133 300 SH SOLE 300 0 0 LINDE PLC FOREIGN EQUITIES G5494J103 65234 200 SH DFND 200 0 0 MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 23316 300 SH SOLE 300 0 0 MEDTRONIC PLC SHS FOREIGN EQUITIES G5960L103 9715 125 SH DFND 125 0 0 NORWEGIAN CRUISE LINE HLDG LSHS FOREIGN EQUITIES G66721104 1224 100 SH SOLE 100 0 0 CHUBB LIMITED COM FOREIGN EQUITIES H1467J104 110300 500 SH SOLE 500 0 0 ITURAN LOCATION & CONTROL LTD FOREIGN EQUITIES M6158M104 2112 100 SH DFND 100 0 0 LYONDELLBASELL INDUSTRIES N SHS - A - FOREIGN EQUITIES N53745100 188054 2265 SH SOLE 2265 0 0 LYONDELLBASELL INDUSTRIES N SHS - A - FOREIGN EQUITIES N53745100 8303 100 SH DFND 100 0 0 ROYAL CARIBBEAN CRUISES LTD FOREIGN EQUITIES V7780T103 1730 35 SH SOLE 35 0 0 AFLAC INC. COMMON STOCK 001055102 43164 600 SH DFND 600 0 0 AT&T INC COMMON STOCK 00206R102 176160 9574 SH SOLE 9574 0 0 AT&T INC COMMON STOCK 00206R102 80977 4401 SH DFND 2697 1704 0 ARK ETF TR INNOVATION ETF ETF/EQUITIES 00214Q104 1561 50 SH DFND 50 0 0 ARK ETF TR ARK SPACE EXPL ETF/EQUITIES 00214Q807 1239 100 SH DFND 100 0 0 ABBOTT LABS COMMON STOCK 002824100 770175 7015 SH SOLE 7015 0 0 ABBOTT LABS COMMON STOCK 002824100 60384 550 SH DFND 550 0 0 ABBVIE INC COMMON STOCK 00287Y109 1224995 7580 SH SOLE 7580 0 0 ABBVIE INC COMMON STOCK 00287Y109 96966 600 SH DFND 600 0 0 AIR PRODUCTS & CHEMICALS INC COMMON STOCK 009158106 61652 200 SH DFND 200 0 0 ALCOA CORP COMMON STOCK 013872106 7956 175 SH SOLE 175 0 0 ALLETE INC COMMON STOCK 018522300 16127 250 SH DFND 250 0 0 ALPHABET INC USD.001 COMMON STOCK 02079K107 8873 100 SH SOLE 100 0 0 ALPHABET INC USD.001 COMMON STOCK 02079K305 82936 940 SH SOLE 940 0 0 ALTRIA GROUP INC. COMMON STOCK 02209S103 59867 1310 SH SOLE 1310 0 0 AMEREN CORP COMMON STOCK 023608102 51040 574 SH DFND 574 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 94949 1000 SH SOLE 1000 0 0 AMERICAN ELEC PWR INC COMMON STOCK 025537101 18420 194 SH DFND 194 0 0 AMERIPRISE FINL INC COMMON STOCK 03076C106 7784 25 SH SOLE 25 0 0 AMGEN INC COMMON STOCK 031162100 32828 125 SH SOLE 125 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 586402 3575 SH SOLE 3575 0 0 ANALOG DEVICES INC COMMON STOCK 032654105 57410 350 SH DFND 350 0 0 ELEVANCE HEALTH INC COMMON STOCK 036752103 12824 25 SH SOLE 25 0 0 APA CORPORATION COMMON STOCK 03743Q108 9336 200 SH DFND 200 0 0 APPLE INCORPORATED COMMON STOCK 037833100 997201 7675 SH SOLE 7675 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 767641 7883 SH SOLE 7883 0 0 APPLIED MATERIALS INC COMMON STOCK 038222105 333039 3420 SH DFND 3420 0 0 ARCONIC CORPORATION COMMON STOCK 03966V107 1586 75 SH DFND 75 0 0 AUTOMATIC DATA PROCESSING INC COMMON STOCK 053015103 5971 25 SH SOLE 25 0 0 AVERY DENNISON CORP. COMMON STOCK 053611109 325800 1800 SH SOLE 1800 0 0 AVERY DENNISON CORP. COMMON STOCK 053611109 104075 575 SH DFND 575 0 0 BP PLC SPONSORED ADR FOREIGN EQUITIES 055622104 62695 1795 SH SOLE 1795 0 0 BANK OF AMERICA CORPORATION COMMON STOCK 060505104 48437 1463 SH SOLE 1463 0 0 BANK OF AMERICA CORPORATION COMMON STOCK 060505104 39201 1184 SH DFND 1184 0 0 BANK NEW YORK MELLON CORP COMMON STOCK 064058100 53394 1173 SH SOLE 1173 0 0 BANK NEW YORK MELLON CORP COMMON STOCK 064058100 12335 271 SH DFND 271 0 0 BARRICK GOLD CORP FOREIGN EQUITIES 067901108 8590 500 SH DFND 500 0 0 BAXTER INTL INC COMMON STOCK 071813109 12742 250 SH SOLE 250 0 0 BED BATH & BEYOND COMMON STOCK 075896100 250 100 SH DFND 100 0 0 BERKSHIRE HATHAWAY B COMMON STOCK 084670702 935300 3028 SH SOLE 3028 0 0 BERKSHIRE HATHAWAY B COMMON STOCK 084670702 55598 180 SH DFND 180 0 0 BEST BUY INC COMMON STOCK 086516101 16042 200 SH SOLE 200 0 0 BHP BILLITON LIMITED FOREIGN EQUITIES 088606108 18612 300 SH DFND 300 0 0 BIOGEN IDEC INC COMMON STOCK 09062X103 112145 405 SH SOLE 405 0 0 BLACKROCK INC COMMON STOCK 09247X101 83615 118 SH SOLE 118 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 102525 1425 SH SOLE 1425 0 0 BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 26981 375 SH DFND 375 0 0 BROADCOM INC COMMON STOCK 11135F101 41934 75 SH SOLE 75 0 0 C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 66838 730 SH SOLE 730 0 0 C H ROBINSON WORLDWIDE INC COMMON STOCK 12541W209 2289 25 SH DFND 25 0 0 CVS HEALTH CORP COMMON STOCK 126650100 256266 2750 SH SOLE 2750 0 0 CVS HEALTH CORP COMMON STOCK 126650100 140716 1510 SH DFND 1510 0 0 CAPITAL ONE FINL CORP COMMON STOCK 14040H105 120382 1295 SH SOLE 1295 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 149508 1945 SH SOLE 1945 0 0 CARDINAL HEALTH INC COMMON STOCK 14149Y108 7687 100 SH DFND 100 0 0 CARNIVAL CORP COMMON STOCK 143658300 2418 300 SH SOLE 300 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 32999 800 SH SOLE 800 0 0 CARRIER GLOBAL CORPORATION COMMON STOCK 14448C104 4125 100 SH DFND 100 0 0 CATERPILLAR INC COMMON STOCK 149123101 855225 3570 SH SOLE 3570 0 0 CATERPILLAR INC COMMON STOCK 149123101 83846 350 SH DFND 350 0 0 CELANESE CORP DEL COMMON STOCK 150870103 118083 1155 SH SOLE 1155 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 144485 805 SH SOLE 805 0 0 CHEVRON CORPORATION COMMON STOCK 166764100 8974 50 SH DFND 50 0 0 CHURCH & DWIGHT INC COMMON STOCK 171340102 8061 100 SH SOLE 100 0 0 CISCO SYS INC COMMON STOCK 17275R102 463620 9734 SH SOLE 9734 0 0 CISCO SYS INC COMMON STOCK 17275R102 71445 1500 SH DFND 1500 0 0 CINTAS CORP COMMON STOCK 172908105 450247 997 SH SOLE 997 0 0 CINTAS CORP COMMON STOCK 172908105 331932 735 SH DFND 735 0 0 CITIGROUP INC COMMON STOCK 172967424 32557 720 SH SOLE 720 0 0 CITIGROUP INC COMMON STOCK 172967424 3346 74 SH DFND 74 0 0 COCA COLA CO COMMON STOCK 191216100 375932 5910 SH SOLE 5910 0 0 COCA COLA CO COMMON STOCK 191216100 84283 1325 SH DFND 1325 0 0 COLGATE PALMOLIVE COMMON STOCK 194162103 68939 875 SH SOLE 875 0 0 COMCAST CORP. 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COMMON STOCK 244199105 557387 1300 SH SOLE 1300 0 0 DEERE & CO. COMMON STOCK 244199105 23581 55 SH DFND 55 0 0 DISCOVER FINL SVCS COMMON STOCK 254709108 57228 585 SH SOLE 585 0 0 DOW INC COMMON STOCK 260557103 49974 992 SH SOLE 992 0 0 DOW INC COMMON STOCK 260557103 8564 170 SH DFND 170 0 0 DUPONT DE NEMOURS INC COMMON STOCK 26614N102 11667 170 SH DFND 170 0 0 ETF SER SOLUTIONS US GLB JETS ETF/EQUITIES 26922A842 4694 275 SH SOLE 275 0 0 EMERSON ELEC CO COMMON STOCK 291011104 310271 3230 SH SOLE 3230 0 0 EMERSON ELEC CO COMMON STOCK 291011104 12007 125 SH DFND 125 0 0 ENBRIDGE INC FOREIGN EQUITIES 29250N105 3830 98 SH DFND 98 0 0 ENTERGY CORP NEW COMMON STOCK 29364G103 23625 210 SH DFND 210 0 0 ENTERPRISE PRODS PARTNERS L PARTNERSHIPS 293792107 9499 394 SH DFND 394 0 0 ESSENTIAL UTILS INC COMMON STOCK 29670G102 8351 175 SH SOLE 175 0 0 ESSENTIAL UTILS INC COMMON STOCK 29670G102 9544 200 SH DFND 200 0 0 EXELON CORP COMMON STOCK 30161N101 49703 1150 SH SOLE 1150 0 0 EXELON CORP COMMON STOCK 30161N101 45813 1060 SH DFND 1060 0 0 F&G ANNUITIES & LIFE INC COMMON STOCK 30190A104 2360 118 SH SOLE 118 0 0 F&G ANNUITIES & LIFE INC COMMON STOCK 30190A104 480 24 SH DFND 24 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 273543 2480 SH SOLE 2480 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 992700 9000 SH DFND 9000 0 0 META PLATFORMS, INC. 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COMMON STOCK 674599105 3149 50 SH DFND 50 0 0 OCCIDENTAL PETE CORP W EXP 99/99/9999 WARRANTS & RIGHTS 674599162 5273 128 SH SOLE 128 0 0 OCCIDENTAL PETE CORP W EXP 99/99/9999 WARRANTS & RIGHTS 674599162 741 18 SH DFND 18 0 0 OCEANFIRST FINANCIAL CORP COMMON STOCK 675234108 46750 2200 SH DFND 2200 0 0 OLD REP INTL CORP COMMON STOCK 680223104 20519 850 SH SOLE 850 0 0 OLIN CORP COMMON STOCK 680665205 5293 100 SH DFND 100 0 0 OMNICOM GROUP INC COMMON STOCK 681919106 107659 1320 SH SOLE 1320 0 0 ORACLE CORP COMMON STOCK 68389X105 417282 5105 SH SOLE 5105 0 0 ORACLE CORP COMMON STOCK 68389X105 196176 2400 SH DFND 2400 0 0 ORGANON & CO COMMON STOCK 68622V106 8373 300 SH SOLE 300 0 0 ORGANON & CO COMMON STOCK 68622V106 2903 104 SH DFND 104 0 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 29754 380 SH SOLE 380 0 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 3915 50 SH DFND 50 0 0 PNC FINL SVCS GROUP INC COMMON STOCK 693475105 46117 292 SH SOLE 292 0 0 PPL CORP COMMON STOCK 69351T106 182699 6255 SH SOLE 6255 0 0 PPL CORP COMMON STOCK 69351T106 96393 3300 SH DFND 3300 0 0 PACCAR INC COMMON STOCK 693718108 14845 150 SH SOLE 150 0 0 PAYCHEX INC COMMON STOCK 704326107 11556 100 SH SOLE 100 0 0 PEPSICO INC COMMON STOCK 713448108 357704 1980 SH SOLE 1980 0 0 PEPSICO INC COMMON STOCK 713448108 119957 664 SH DFND 664 0 0 PERKIN ELMER COMMON STOCK 714046109 239775 1710 SH SOLE 1710 0 0 PERKIN ELMER COMMON STOCK 714046109 65903 470 SH DFND 470 0 0 PFIZER INC COMMON STOCK 717081103 654688 12777 SH SOLE 12777 0 0 PFIZER INC COMMON STOCK 717081103 77423 1511 SH DFND 1511 0 0 PHILIP MORRIS INTL INC COMMON STOCK 718172109 73478 726 SH SOLE 726 0 0 PHILLIPS 66 COMMON STOCK 718546104 36948 355 SH SOLE 355 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 405421 2675 SH SOLE 2675 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 45468 300 SH DFND 300 0 0 PRUDENTIAL FINL INC COMMON STOCK 744320102 7459 75 SH SOLE 75 0 0 PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 37374 610 SH SOLE 610 0 0 PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 17645 288 SH DFND 288 0 0 QUALCOMM INC COMMON STOCK 747525103 28034 255 SH SOLE 255 0 0 QUEST DIAGNOSTICS INC. COMMON STOCK 74834L100 68051 435 SH SOLE 435 0 0 RMR GROUP INC CL A COMMON STOCK 74967R106 3107 110 SH DFND 110 0 0 RPM INTL INC COMMON STOCK 749685103 36543 375 SH SOLE 375 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 41377 410 SH SOLE 410 0 0 RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101 5046 50 SH DFND 50 0 0 REGIONS FINANCIAL CORP NEW COMMON STOCK 7591EP100 2155 100 SH SOLE 100 0 0 RIO TINTO PLC SPONSORED ADR COMMON STOCK 767204100 14240 200 SH DFND 200 0 0 SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103 306695 802 SH SOLE 802 0 0 SPDR S&P 500 ETF TRUST ETF/EQUITIES 78462F103 56215 147 SH DFND 147 0 0 SPDR GOLD TRUST ETF/EQUITIES 78463V107 28836 170 SH SOLE 170 0 0 SPDR SER TR S&P TRANSN ETF ETF/EQUITIES 78464A532 13440 200 SH SOLE 200 0 0 SPDR S&P BIOTECH ETF ETF/EQUITIES 78464A870 20750 250 SH SOLE 250 0 0 SPDR S&P MID CAP 400 ETF ETF/EQUITIES 78467Y107 25237 57 SH SOLE 57 0 0 SPDR SER TR S&P OILGAS EXP ETF/EQUITIES 78468R556 11956 88 SH SOLE 88 0 0 SAN JUAN BASIN RTY TR UNIT BEN INT COMMON STOCK 798241105 3448 302 SH DFND 302 0 0 SCHLUMBERGER LTD COM FOREIGN EQUITIES 806857108 17371 325 SH SOLE 325 0 0 SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100 95697 1232 SH SOLE 1232 0 0 SELECT SECTOR SPDR FUND MATERIALS ETF/EQUITIES 81369Y100 9710 125 SH DFND 125 0 0 SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209 832743 6130 SH SOLE 6130 0 0 SELECT SECTOR SPDR TR SBI HEALTHCARE ETF/EQUITIES 81369Y209 41433 305 SH DFND 305 0 0 SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308 302624 4060 SH SOLE 4060 0 0 SELECT SECTOR SPDR TR SBI CONS STPLS ETF/EQUITIES 81369Y308 13789 185 SH DFND 185 0 0 CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF/EQUITIES 81369Y407 337225 2611 SH SOLE 2611 0 0 CONSUMER DISCRETIONARY SELECT SECTOR SPDR ETF/EQUITIES 81369Y407 2583 20 SH DFND 20 0 0 SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506 157878 1805 SH SOLE 1805 0 0 SELECT SECTOR SPDRFUND ENERGY ETF/EQUITIES 81369Y506 9184 105 SH DFND 105 0 0 FINANCIAL SELECT SPDR ETF/EQUITIES 81369Y605 141246 4130 SH SOLE 4130 0 0 SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803 610732 4908 SH SOLE 4908 0 0 SELECT SECTOR SPDR TR TECHNOLOGY ETF/EQUITIES 81369Y803 12444 100 SH DFND 100 0 0 SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITIES 81369Y852 43902 915 SH SOLE 915 0 0 SELECT SECTOR SPDR FUND ETF/EQUITIES 81369Y886 18330 260 SH SOLE 260 0 0 SERVICE PPTYS TR COM SH BEN INT COMMON STOCK 81761L102 4133 567 SH DFND 567 0 0 SONOCO PRODS CO COMMON STOCK 835495102 81945 1350 SH SOLE 1350 0 0 SOUTHERN CO. COMMON STOCK 842587107 168147 2355 SH SOLE 2355 0 0 SOUTHERN CO. COMMON STOCK 842587107 128733 1803 SH DFND 1803 0 0 STARBUCKS CORP COMMON STOCK 855244109 115072 1160 SH SOLE 1160 0 0 STONEX GROUP INC COMMON STOCK 861896108 4765 50 SH SOLE 50 0 0 STRYKER CORP COMMON STOCK 863667101 61122 250 SH DFND 250 0 0 SUNCOR ENERGY INC NEW FOREIGN EQUITIES 867224107 9516 300 SH DFND 300 0 0 SYLVAMO CORP COMMON STOCK 871332102 4372 90 SH SOLE 90 0 0 SYNOVUS FINL CORP COMMON STOCK 87161C501 3754 100 SH SOLE 100 0 0 SYSCO CORP. COMMON STOCK 871829107 495771 6485 SH SOLE 6485 0 0 SYSCO CORP. COMMON STOCK 871829107 64982 850 SH DFND 850 0 0 TARGET CORP COMMON STOCK 87612E106 134881 905 SH SOLE 905 0 0 TARGET CORP COMMON STOCK 87612E106 60808 408 SH DFND 408 0 0 TESLA INC COMMON STOCK 88160R101 3695 30 SH DFND 30 0 0 TEVA PHARMACEUTICAL FOREIGN EQUITIES 881624209 456 50 SH DFND 50 0 0 THERMO FISHER SCIENTIFIC COMMON STOCK 883556102 89211 162 SH SOLE 162 0 0 THERMO FISHER SCIENTIFIC COMMON STOCK 883556102 79849 145 SH DFND 145 0 0 3M CO COMMON STOCK 88579Y101 429309 3580 SH SOLE 3580 0 0 3M CO COMMON STOCK 88579Y101 49766 415 SH DFND 415 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 58121 310 SH SOLE 310 0 0 TRUIST FINL CORP COMMON STOCK 89832Q109 27919 649 SH SOLE 649 0 0 TRUIST FINL CORP COMMON STOCK 89832Q109 2151 50 SH DFND 50 0 0 UGI CORP NEW COMMON STOCK 902681105 10191 275 SH SOLE 275 0 0 US BANCORP COMMON STOCK 902973304 4361 100 SH SOLE 100 0 0 UNION PAC CORP COMMON STOCK 907818108 32302 156 SH SOLE 156 0 0 UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 78228 450 SH SOLE 450 0 0 UNITED PARCEL SERVICE INC CL B COMMON STOCK 911312106 8692 50 SH DFND 50 0 0 US STEEL CORPORATION COMMON STOCK 912909108 40690 1625 SH SOLE 1625 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 7422 14 SH SOLE 14 0 0 V F CORP COMMON STOCK 918204108 2761 100 SH SOLE 100 0 0 VALERO ENERGY COMMON STOCK 91913Y100 2537 20 SH SOLE 20 0 0 VALERO ENERGY COMMON STOCK 91913Y100 12686 100 SH DFND 100 0 0 VALLEY NATIONAL BANCORP COMMON STOCK 919794107 35649 3152 SH SOLE 3152 0 0 VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITIES 921908844 990487 6523 SH SOLE 6523 0 0 VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITIES 921908844 126034 830 SH DFND 830 0 0 VANGUARD US MOMENTUM ETF ETF/EQUITIES 921935508 257535 2258 SH SOLE 2258 0 0 VANGUARD US MOMENTUM ETF ETF/EQUITIES 921935508 3421 30 SH DFND 30 0 0 VANGUARD TAX MANAGED INTL FDFTSE DEV MKT ETF ETF/EQUITIES 921943858 372513 8876 SH SOLE 8876 0 0 VANGUARD HIGH DIVIDEND YIELD ETF ETF/EQUITIES 921946406 579985 5360 SH SOLE 5360 0 0 VANGUARD HIGH DIVIDEND YIELD ETF ETF/EQUITIES 921946406 34734 321 SH DFND 321 0 0 VANGUARD ENERGY ETF ETF/EQUITIES 92204A306 83682 690 SH SOLE 690 0 0 VANGUARD WORLD FDS FINANCIALS ETF ETF/EQUITIES 92204A405 426825 5160 SH SOLE 5160 0 0 VANGUARD WORLD FDS FINANCIALS ETF ETF/EQUITIES 92204A405 8272 100 SH DFND 100 0 0 VANGUARD HEALTHCARE ETF ETF/EQUITIES 92204A504 235147 948 SH SOLE 948 0 0 VANGUARD INDUSTRIALS ETF ETF/EQUITIES 92204A603 264095 1446 SH SOLE 1446 0 0 VANGUARD INDUSTRIALS ETF ETF/EQUITIES 92204A603 20638 113 SH DFND 113 0 0 VANGUARD MATERIALS ETF ETF/EQUITIES 92204A801 203899 1198 SH SOLE 1198 0 0 VANGUARD MATERIALS ETF ETF/EQUITIES 92204A801 5276 31 SH DFND 31 0 0 VANGUARD UTILITIES ETF ETF/EQUITIES 92204A876 101367 661 SH SOLE 661 0 0 VANGUARD UTILITIES ETF ETF/EQUITIES 92204A876 9201 60 SH DFND 60 0 0 VANGUARD MSCI EMERGING MARKETS ETF ETF/EQUITIES 922042858 251963 6466 SH SOLE 6466 0 0 VANGUARD MSCI EMERGING MARKETS ETF ETF/EQUITIES 922042858 75288 1932 SH DFND 1932 0 0 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF/FIXED INCOME 92206C409 687946 9150 SH SOLE 9150 0 0 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD ETF/FIXED INCOME 92206C409 248127 3300 SH DFND 3300 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF/FIXED INCOME 92206C870 187551 2420 SH SOLE 2420 0 0 VANGUARD SCOTTSDALE FDS INT-TERM CORP ETF/FIXED INCOME 92206C870 34491 445 SH DFND 445 0 0 VANGUARD INDEX FDS REIT ETF ETF/EQUITIES 922908553 15584 189 SH SOLE 189 0 0 VANGUARD SMALL CAP GROWTH ETF ETF/EQUITIES 922908595 169851 847 SH SOLE 847 0 0 VANGUARD SMALL CAP GROWTH ETF ETF/EQUITIES 922908595 2205 11 SH DFND 11 0 0 VANGUARD EXTENDED MID BLEND ETF ETF/EQUITIES 922908652 27900 210 SH SOLE 210 0 0 VANGUARD LARGE CAP GROWTH ETF ETF/EQUITIES 922908736 2178793 10224 SH SOLE 10224 0 0 VANGUARD LARGE CAP GROWTH ETF ETF/EQUITIES 922908736 49014 230 SH DFND 230 0 0 VANGUARD LARGE CAP VALUE ETF ETF/EQUITIES 922908744 1450826 10336 SH SOLE 10336 0 0 VANGUARD LARGE CAP VALUE ETF ETF/EQUITIES 922908744 35372 252 SH DFND 252 0 0 VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITIES 922908769 465531 2435 SH SOLE 2435 0 0 VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITIES 922908769 57355 300 SH DFND 300 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 208363 5290 SH SOLE 5290 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 83858 2129 SH DFND 1649 480 0 VIATRIS INC COMMON STOCK 92556V106 15263 1373 SH SOLE 1373 0 0 VIATRIS INC COMMON STOCK 92556V106 1434 129 SH DFND 129 0 0 VISA INC COMMON STOCK 92826C839 15582 75 SH SOLE 75 0 0 WABTEC COMMON STOCK 929740108 598 6 SH DFND 6 0 0 WAL MART STORES INC COMMON STOCK 931142103 672074 4740 SH SOLE 4740 0 0 WAL MART STORES INC COMMON STOCK 931142103 28358 200 SH DFND 200 0 0 WALGREENS BOOTS ALLIANCE INC COMMON STOCK 931427108 126462 3385 SH SOLE 3385 0 0 WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104 8045 849 SH SOLE 849 0 0 WARNER BROS DISCOVERY INC COM SER A COMMON STOCK 934423104 8027 847 SH DFND 435 412 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 141192 900 SH SOLE 900 0 0 WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102 51180 350 SH SOLE 350 0 0 WELLS FARGO COMMON STOCK 949746101 6192 150 SH SOLE 150 0 0 WELLS FARGO COMMON STOCK 949746101 4129 100 SH DFND 100 0 0 WESTERN DIGITAL CORP COMMON STOCK 958102105 3154 100 SH SOLE 100 0 0 WESTERN UNION, COMMON COMMON STOCK 959802109 32495 2360 SH SOLE 2360 0 0 WESTERN UNION, COMMON COMMON STOCK 959802109 5508 400 SH DFND 400 0 0 WOODSIDE ENERGY GROUP LTD SPONSORED ADR FOREIGN EQUITIES 980228308 2613 108 SH DFND 108 0 0 YUM BRANDS INC COMMON STOCK 988498101 12808 100 SH DFND 100 0 0