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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   735,197 5,489 SH   DFND   123 0 5,366
ABBOTT LABS COM 002824100   5,420,552 40,470 SH   SOLE   40,153 0 317
ABBVIE INC COM 00287Y109   1,252,168 5,408 SH   DFND   0 0 5,408
ABBVIE INC COM 00287Y109   587,417 2,537 SH   SOLE   2,537 0 0
ADVANCED MICRO DEVICES INC COM 007903107   242,685 1,500 SH   DFND   0 0 1,500
ADVANCED MICRO DEVICES INC COM 007903107   46,110 285 SH   SOLE   285 0 0
AGNICO EAGLE MINES LTD COM 008474108   2,406,868 14,279 SH   DFND   0 0 14,279
ALPHABET INC CAP STK CL C 02079K107   960,074 3,942 SH   DFND   129 0 3,813
ALPHABET INC CAP STK CL C 02079K107   806,638 3,312 SH   SOLE   3,312 0 0
ALPHABET INC CAP STK CL A 02079K305   1,421,892 5,849 SH   DFND   950 0 4,899
ALPHABET INC CAP STK CL A 02079K305   13,540,913 55,701 SH   SOLE   55,373 0 328
AMAZON COM INC COM 023135106   1,272,847 5,797 SH   DFND   1,347 0 4,450
AMAZON COM INC COM 023135106   14,150,628 64,447 SH   SOLE   64,241 0 206
AMERICAN EXPRESS CO COM 025816109   800,838 2,411 SH   DFND   365 0 2,046
AMERICAN EXPRESS CO COM 025816109   6,702,657 20,179 SH   SOLE   20,029 0 150
AMETEK INC COM 031100100   217,516 1,157 SH   SOLE   1,157 0 0
AMGEN INC COM 031162100   637,772 2,260 SH   SOLE   2,260 0 0
AMPHENOL CORP NEW CL A 032095101   1,188,000 9,600 SH   SOLE   9,600 0 0
APPLE INC COM 037833100   2,442,156 9,591 SH   DFND   827 0 8,764
APPLE INC COM 037833100   18,598,684 73,042 SH   SOLE   72,132 0 910
ARCOS DORADOS HOLDINGS INC SHS CLASS -A - G0457F107   128,385 19,020 SH   DFND   19,020 0 0
AT&T INC COM 00206R102   1,455,433 51,538 SH   SOLE   51,538 0 0
AUTODESK INC COM 052769106   270,020 850 SH   DFND   400 0 450
AUTODESK INC COM 052769106   55,592 175 SH   SOLE   175 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   697,943 2,378 SH   DFND   0 0 2,378
AUTOMATIC DATA PROCESSING IN COM 053015103   343,395 1,170 SH   SOLE   1,170 0 0
AXON ENTERPRISE INC COM 05464C101   215,292 300 SH   DFND   0 0 300
AXON ENTERPRISE INC COM 05464C101   3,588 5 SH   SOLE   5 0 0
BADGER METER INC COM 056525108   465,201 2,605 SH   DFND   0 0 2,605
BANK AMERICA CORP COM 060505104   948,069 18,377 SH   SOLE   18,377 0 0
BECTON DICKINSON & CO COM 075887109   226,101 1,208 SH   DFND   0 0 1,208
BECTON DICKINSON & CO COM 075887109   754,108 4,029 SH   SOLE   4,029 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   3,016,800 4 SH   SOLE   4 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,292,042 2,570 SH   DFND   55 0 2,515
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   10,466,544 20,819 SH   SOLE   20,698 0 121
BLACKROCK INC COM 09290D101   568,945 488 SH   DFND   0 0 488
BLACKROCK INC COM 09290D101   87,440 75 SH   SOLE   75 0 0
BLACKSTONE INC COM 09260D107   20,844 122 SH   DFND   122 0 0
BLACKSTONE INC COM 09260D107   5,930,204 34,710 SH   SOLE   34,571 0 139
BOEING CO COM 097023105   107,915 500 SH   DFND   500 0 0
BOEING CO COM 097023105   102,735 476 SH   SOLE   476 0 0
BP PLC SPONSORED ADR 055622104   361,830 10,500 SH   SOLE   10,500 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   225,410 4,998 SH   DFND   2,498 0 2,500
BRISTOL-MYERS SQUIBB CO COM 110122108   2,516,580 55,800 SH   SOLE   55,589 0 211
BROADCOM INC COM 11135F101   3,406,981 10,327 SH   SOLE   10,327 0 0
CAPITAL ONE FINL CORP COM 14040H105   488,084 2,296 SH   DFND   2,146 0 150
CAPITAL ONE FINL CORP COM 14040H105   37,414 176 SH   SOLE   176 0 0
CATERPILLAR INC COM 149123101   1,460,079 3,060 SH   SOLE   3,060 0 0
CHEVRON CORP NEW COM 166764100   246,445 1,587 SH   DFND   1,003 0 584
CHEVRON CORP NEW COM 166764100   707,812 4,558 SH   SOLE   4,558 0 0
CHURCH & DWIGHT CO INC COM 171340102   301,009 3,435 SH   DFND   0 0 3,435
CHURCH & DWIGHT CO INC COM 171340102   25,150 287 SH   SOLE   287 0 0
CISCO SYS INC COM 17275R102   1,080,831 15,797 SH   DFND   386 0 15,411
CISCO SYS INC COM 17275R102   8,551,747 124,989 SH   SOLE   123,960 0 1,029
CITIGROUP INC COM NEW 172967424   14,007 138 SH   DFND   138 0 0
CITIGROUP INC COM NEW 172967424   4,787,857 47,171 SH   SOLE   46,722 0 449
COCA COLA CO COM 191216100   159,168 2,400 SH   DFND   0 0 2,400
COCA COLA CO COM 191216100   1,011,115 15,246 SH   SOLE   15,246 0 0
COLGATE PALMOLIVE CO COM 194162103   105,921 1,325 SH   DFND   0 0 1,325
COLGATE PALMOLIVE CO COM 194162103   161,159 2,016 SH   SOLE   2,016 0 0
CONOCOPHILLIPS COM 20825C104   784,908 8,298 SH   SOLE   8,298 0 0
COSTCO WHSL CORP NEW COM 22160K105   528,535 571 SH   DFND   13 0 558
COSTCO WHSL CORP NEW COM 22160K105   5,823,138 6,291 SH   SOLE   6,282 0 9
COTERRA ENERGY INC COM 127097103   210,083 8,883 SH   DFND   8,883 0 0
CUMMINS INC COM 231021106   506,844 1,200 SH   SOLE   1,200 0 0
CVS HEALTH CORP COM 126650100   281,808 3,738 SH   DFND   3,138 0 600
CVS HEALTH CORP COM 126650100   7,539 100 SH   SOLE   100 0 0
D R HORTON INC COM 23331A109   203,364 1,200 SH   DFND   1,200 0 0
DANAHER CORPORATION COM 235851102   566,429 2,857 SH   DFND   606 0 2,251
DANAHER CORPORATION COM 235851102   113,206 571 SH   SOLE   571 0 0
DEERE & CO COM 244199105   432,111 945 SH   DFND   0 0 945
DEERE & CO COM 244199105   557,400 1,219 SH   SOLE   1,219 0 0
DISNEY WALT CO COM 254687106   817,759 7,142 SH   DFND   890 0 6,252
DISNEY WALT CO COM 254687106   5,447,338 47,575 SH   SOLE   47,387 0 188
DONALDSON INC COM 257651109   392,880 4,800 SH   SOLE   4,800 0 0
EATON CORP PLC SHS G29183103   74,850 200 SH   DFND   0 0 200
EATON CORP PLC SHS G29183103   149,700 400 SH   SOLE   400 0 0
ECOLAB INC COM 278865100   567,712 2,073 SH   DFND   0 0 2,073
ECOLAB INC COM 278865100   31,220 114 SH   SOLE   114 0 0
EMERSON ELEC CO COM 291011104   9,576 73 SH   DFND   73 0 0
EMERSON ELEC CO COM 291011104   3,062,266 23,344 SH   SOLE   23,206 0 138
ENTERPRISE PRODS PARTNERS L COM 293792107   469,050 15,000 SH   SOLE   15,000 0 0
EXXON MOBIL CORP COM 30231G102   90,651 804 SH   DFND   0 0 804
EXXON MOBIL CORP COM 30231G102   1,874,356 16,624 SH   SOLE   16,624 0 0
FIRST HORIZON CORPORATION COM 320517105   802,655 35,500 SH   SOLE   35,500 0 0
FIRST INTST BANCSYSTEM INC COM 32055Y201   28,468,451 893,268 SH   DFND   0 0 893,268
FIRST INTST BANCSYSTEM INC COM 32055Y201   121,136,277 3,800,950 SH   SOLE   92,326 0 3,708,624
FISERV INC COM 337738108   1,020,610 7,916 SH   DFND   2,308 0 5,608
FISERV INC COM 337738108   50,025 388 SH   SOLE   388 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   1,786,224 40,800 SH   DFND   40,800 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407   62,106,264 1,418,599 SH   SOLE   1,414,786 0 3,813
FLUSHING FINL CORP COM 343873105   220,960 16,000 SH   SOLE   16,000 0 0
GE AEROSPACE COM NEW 369604301   1,072,423 3,565 SH   SOLE   3,565 0 0
GE VERNOVA INC COM 36828A101   516,516 840 SH   SOLE   840 0 0
GENERAL DYNAMICS CORP COM 369550108   579,700 1,700 SH   DFND   0 0 1,700
GENERAL DYNAMICS CORP COM 369550108   170,159 499 SH   SOLE   499 0 0
GLACIER BANCORP INC NEW COM 37637Q105   642,493 13,201 SH   SOLE   10,737 0 2,464
GLOBAL X FDS US PFD ETF 37954Y657   20,285 1,044 SH   DFND   1,044 0 0
GLOBAL X FDS US PFD ETF 37954Y657   2,292,235 117,974 SH   SOLE   117,974 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   1,373,935 28,846 SH   DFND   28,846 0 0
GLOBAL X FDS US INFR DEV ETF 37954Y673   55,674,945 1,168,905 SH   SOLE   1,166,547 0 2,358
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   43,711 514 SH   DFND   514 0 0
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   5,454,976 64,146 SH   SOLE   64,146 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   965,176 1,212 SH   DFND   0 0 1,212
GOLDMAN SACHS GROUP INC COM 38141G104   104,322 131 SH   SOLE   131 0 0
GRAINGER W W INC COM 384802104   247,770 260 SH   DFND   0 0 260
GRAINGER W W INC COM 384802104   23,824 25 SH   SOLE   25 0 0
HAWKINS INC COM 420261109   511,616 2,800 SH   DFND   0 0 2,800
HF SINCLAIR CORP COM 403949100   471,060 9,000 SH   SOLE   9,000 0 0
HOME DEPOT INC COM 437076102   1,038,907 2,564 SH   DFND   0 0 2,564
HOME DEPOT INC COM 437076102   2,654,400 6,551 SH   SOLE   6,528 0 23
HONEYWELL INTL INC COM 438516106   414,264 1,968 SH   DFND   70 0 1,898
HONEYWELL INTL INC COM 438516106   5,006,322 23,783 SH   SOLE   23,679 0 104
IDEXX LABS INC COM 45168D104   223,612 350 SH   DFND   0 0 350
ILLINOIS TOOL WKS INC COM 452308109   210,694 808 SH   DFND   808 0 0
ILLINOIS TOOL WKS INC COM 452308109   182,532 700 SH   SOLE   700 0 0
INTEL CORP COM 458140100   278,465 8,300 SH   DFND   0 0 8,300
INTEL CORP COM 458140100   310,338 9,250 SH   SOLE   9,250 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104   400,477 2,377 SH   DFND   0 0 2,377
INTERCONTINENTAL EXCHANGE IN COM 45866F104   47,343 281 SH   SOLE   281 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   225,728 800 SH   DFND   0 0 800
INTERNATIONAL BUSINESS MACHS COM 459200101   465,564 1,650 SH   SOLE   1,650 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   550,320 2,901 SH   DFND   2,701 0 200
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   141,430,645 745,549 SH   SOLE   743,821 0 1,728
INVESCO QQQ TR UNIT SER 1 46090E103   657,405 1,095 SH   SOLE   1,095 0 0
INVESCO QUALITY MUN INCOME T COM 46133G107   123,233 12,511 SH   SOLE   12,511 0 0
ISHARES GOLD TR ISHARES NEW 464285204   220,275 3,027 SH   SOLE   3,027 0 0
ISHARES TR MORNINGSTAR GRWT 464287119   260,750 2,500 SH   SOLE   2,500 0 0
ISHARES TR CORE S&P TTL STK 464287150   5,243 36 SH   DFND   36 0 0
ISHARES TR CORE S&P TTL STK 464287150   2,064,152 14,172 SH   SOLE   14,172 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,912,124 4,351 SH   DFND   4,351 0 0
ISHARES TR CORE S&P500 ETF 464287200   131,826,667 196,962 SH   SOLE   196,837 0 125
ISHARES TR CORE US AGGBD ET 464287226   2,847,401 28,403 SH   SOLE   28,403 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   2,318,735 43,422 SH   SOLE   43,422 0 0
ISHARES TR NORTH AMERN NAT 464287374   235,440 4,800 SH   DFND   0 0 4,800
ISHARES TR NORTH AMERN NAT 464287374   93,833 1,913 SH   SOLE   1,913 0 0
ISHARES TR 20 YR TR BD ETF 464287432   362,842 4,060 SH   DFND   4,060 0 0
ISHARES TR 20 YR TR BD ETF 464287432   229,055 2,563 SH   SOLE   2,563 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   5,845,765 60,603 SH   SOLE   60,603 0 0
ISHARES TR MSCI EAFE ETF 464287465   2,106,521 22,561 SH   SOLE   22,561 0 0
ISHARES TR CORE S&P MCP ETF 464287507   2,906,289 44,534 SH   DFND   44,534 0 0
ISHARES TR CORE S&P MCP ETF 464287507   94,900,244 1,454,187 SH   SOLE   1,451,365 0 2,822
ISHARES TR ISHARES SEMICDTR 464287523   21,147 78 SH   DFND   78 0 0
ISHARES TR ISHARES SEMICDTR 464287523   6,862,318 25,311 SH   SOLE   25,126 0 185
ISHARES TR ISHARES BIOTECH 464287556   15,881 110 SH   DFND   110 0 0
ISHARES TR ISHARES BIOTECH 464287556   5,092,363 35,273 SH   SOLE   35,209 0 64
ISHARES TR S&P MC 400GR ETF 464287606   219,396 2,288 SH   SOLE   2,288 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   286,723 1,185 SH   SOLE   1,185 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   970,086 2,560 SH   SOLE   2,560 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,669,562 14,050 SH   DFND   14,050 0 0
ISHARES TR CORE S&P SCP ETF 464287804   77,854,089 655,172 SH   SOLE   653,243 0 1,929
ISHARES TR SHRT NAT MUN ETF 464288158   202,348 1,895 SH   SOLE   1,895 0 0
ISHARES TR EAFE SML CP ETF 464288273   376,465 4,907 SH   SOLE   4,907 0 0
ISHARES TR IBOXX HI YD ETF 464288513   1,105,321 13,614 SH   SOLE   13,614 0 0
ISHARES TR PFD AND INCM SEC 464288687   925,865 29,281 SH   DFND   29,281 0 0
ISHARES TR PFD AND INCM SEC 464288687   89,889,083 2,842,792 SH   SOLE   2,835,946 0 6,846
ISHARES TR GLOBAL REIT ETF 46434V647   370,978 14,514 SH   SOLE   14,514 0 0
ISHARES TR CORE MSCI EURO 46434V738   417,507 6,129 SH   SOLE   6,129 0 0
ISHARES TR HDG MSCI EAFE 46434V803   1,829,626 46,191 SH   DFND   46,191 0 0
ISHARES TR HDG MSCI EAFE 46434V803   54,991,236 1,388,317 SH   SOLE   1,384,923 0 3,394
ISHARES TR IBONDS DEC25 ETF 46434VBD1   762,199 30,258 SH   SOLE   30,258 0 0
ISHARES TR IBONDS DEC2026 46435GAA0   748,391 30,798 SH   SOLE   30,798 0 0
ISHARES TR IBDS DEC28 ETF 46435U515   511,599 20,047 SH   SOLE   20,047 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9   857,036 35,211 SH   SOLE   35,211 0 0
ISHARES TR IBONDS DEC 2033 46436E130   102,927 3,924 SH   DFND   3,924 0 0
ISHARES TR IBONDS DEC 2033 46436E130   49,518,987 1,887,876 SH   SOLE   1,885,135 0 2,741
ISHARES TR IBONDS DEC 29 46436E205   768,713 32,753 SH   SOLE   32,753 0 0
ISHARES TR IBONDS DEC 2032 46436E312   102,659 4,007 SH   DFND   4,007 0 0
ISHARES TR IBONDS DEC 2032 46436E312   51,404,634 2,006,426 SH   SOLE   2,003,341 0 3,085
ISHARES TR IBONDS DEC 2031 46436E486   331,690 15,631 SH   SOLE   15,631 0 0
ISHARES TR IBONDS DEC 2030 46436E726   726,121 32,782 SH   SOLE   32,782 0 0
JOHNSON & JOHNSON COM 478160104   1,145,154 6,176 SH   DFND   1,008 0 5,168
JOHNSON & JOHNSON COM 478160104   658,241 3,550 SH   SOLE   3,550 0 0
JOHNSON CTLS INTL PLC SHS G51502105   1,154,475 10,500 SH   SOLE   10,500 0 0
JPMORGAN CHASE & CO. COM 46625H100   1,251,942 3,969 SH   DFND   646 0 3,323
JPMORGAN CHASE & CO. COM 46625H100   8,734,572 27,691 SH   SOLE   27,605 0 86
KINDER MORGAN INC DEL COM 49456B101   169,860 6,000 SH   DFND   2,000 0 4,000
KINDER MORGAN INC DEL COM 49456B101   42,465 1,500 SH   SOLE   1,500 0 0
KKR & CO INC COM 48251W104   10,916 84 SH   DFND   84 0 0
KKR & CO INC COM 48251W104   3,201,838 24,639 SH   SOLE   24,488 0 151
LAM RESEARCH CORP COM NEW 512807306   200,850 1,500 SH   DFND   1,500 0 0
LAM RESEARCH CORP COM NEW 512807306   116,091 867 SH   SOLE   867 0 0
LIMONEIRA CO COM 532746104   371,250 25,000 SH   SOLE   0 0 25,000
LOWES COS INC COM 548661107   169,634 675 SH   DFND   675 0 0
LOWES COS INC COM 548661107   5,480,820 21,809 SH   SOLE   21,674 0 135
MARATHON PETE CORP COM 56585A102   231,288 1,200 SH   DFND   0 0 1,200
MARATHON PETE CORP COM 56585A102   4,818,500 25,000 SH   SOLE   25,000 0 0
MARTIN MARIETTA MATLS INC COM 573284106   315,140 500 SH   DFND   0 0 500
MASTERCARD INCORPORATED CL A 57636Q104   632,517 1,112 SH   DFND   0 0 1,112
MASTERCARD INCORPORATED CL A 57636Q104   201,928 355 SH   SOLE   355 0 0
MCDONALDS CORP COM 580135101   833,266 2,742 SH   DFND   64 0 2,678
MCDONALDS CORP COM 580135101   6,350,085 20,896 SH   SOLE   20,792 0 104
MEDTRONIC PLC SHS G5960L103   152,384 1,600 SH   DFND   0 0 1,600
MEDTRONIC PLC SHS G5960L103   212,099 2,227 SH   SOLE   2,227 0 0
MERCK & CO INC COM 58933Y105   617,557 7,358 SH   DFND   2,258 0 5,100
MERCK & CO INC COM 58933Y105   883,279 10,524 SH   SOLE   10,524 0 0
META PLATFORMS INC CL A 30303M102   1,058,976 1,442 SH   DFND   16 0 1,426
META PLATFORMS INC CL A 30303M102   4,299,795 5,855 SH   SOLE   5,824 0 31
MICRON TECHNOLOGY INC COM 595112103   418,300 2,500 SH   DFND   0 0 2,500
MICRON TECHNOLOGY INC COM 595112103   1,004 6 SH   SOLE   6 0 0
MICROSOFT CORP COM 594918104   3,091,644 5,969 SH   DFND   462 0 5,507
MICROSOFT CORP COM 594918104   19,034,663 36,750 SH   SOLE   36,562 0 188
MONDELEZ INTL INC CL A 609207105   253,628 4,060 SH   DFND   4,060 0 0
MONDELEZ INTL INC CL A 609207105   3,728,834 59,690 SH   SOLE   59,483 0 207
MORGAN STANLEY COM NEW 617446448   127,168 800 SH   DFND   800 0 0
MORGAN STANLEY COM NEW 617446448   628,369 3,953 SH   SOLE   3,953 0 0
MPLX LP COM UNIT REP LTD 55336V100   799,200 16,000 SH   SOLE   16,000 0 0
NEWMONT CORP COM 651639106   304,190 3,608 SH   DFND   0 0 3,608
NIKE INC CL B 654106103   456,453 6,546 SH   DFND   0 0 6,546
NIKE INC CL B 654106103   16,735 240 SH   SOLE   240 0 0
NOKIA CORP SPONSORED ADR 654902204   216,450 45,000 SH   SOLE   45,000 0 0
NVIDIA CORPORATION COM 67066G104   2,699,813 14,470 SH   DFND   1,057 0 13,413
NVIDIA CORPORATION COM 67066G104   3,576,552 19,169 SH   SOLE   19,051 0 118
ORACLE CORP COM 68389X105   2,339,354 8,318 SH   DFND   0 0 8,318
ORACLE CORP COM 68389X105   1,088,961 3,872 SH   SOLE   3,872 0 0
PALO ALTO NETWORKS INC COM 697435105   31,561 155 SH   DFND   155 0 0
PALO ALTO NETWORKS INC COM 697435105   10,144,145 49,819 SH   SOLE   49,401 0 418
PAN AMERN SILVER CORP COM 697900108   247,562 6,392 SH   DFND   0 0 6,392
PAYCHEX INC COM 704326107   265,435 2,094 SH   SOLE   2,094 0 0
PAYPAL HLDGS INC COM 70450Y103   230,150 3,432 SH   DFND   3,057 0 375
PAYPAL HLDGS INC COM 70450Y103   6,706 100 SH   SOLE   100 0 0
PEPSICO INC COM 713448108   701,779 4,997 SH   DFND   1,027 0 3,970
PEPSICO INC COM 713448108   501,933 3,574 SH   SOLE   3,574 0 0
PFIZER INC COM 717081103   10,727 421 SH   DFND   421 0 0
PFIZER INC COM 717081103   4,205,984 165,070 SH   SOLE   164,278 0 792
PHILLIPS 66 COM 718546104   150,710 1,108 SH   DFND   1,108 0 0
PHILLIPS 66 COM 718546104   1,745,137 12,830 SH   SOLE   12,830 0 0
PROCTER AND GAMBLE CO COM 742718109   799,287 5,202 SH   DFND   1,611 0 3,591
PROCTER AND GAMBLE CO COM 742718109   378,440 2,463 SH   SOLE   2,463 0 0
QUALCOMM INC COM 747525103   207,950 1,250 SH   DFND   0 0 1,250
QUALCOMM INC COM 747525103   578,434 3,477 SH   SOLE   3,477 0 0
QUANTA SVCS INC COM 74762E102   227,931 550 SH   DFND   550 0 0
REPUBLIC SVCS INC COM 760759100   528,492 2,303 SH   DFND   0 0 2,303
RTX CORPORATION COM 75513E101   377,496 2,256 SH   DFND   0 0 2,256
RTX CORPORATION COM 75513E101   145,075 867 SH   SOLE   867 0 0
S&P GLOBAL INC COM 78409V104   416,137 855 SH   DFND   0 0 855
S&P GLOBAL INC COM 78409V104   37,477 77 SH   SOLE   77 0 0
SALESFORCE INC COM 79466L302   539,649 2,277 SH   DFND   47 0 2,230
SALESFORCE INC COM 79466L302   3,086,688 13,024 SH   SOLE   12,998 0 26
SCHWAB CHARLES CORP COM 808513105   256,814 2,690 SH   DFND   1,000 0 1,690
SCHWAB CHARLES CORP COM 808513105   80,290 841 SH   SOLE   841 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   577,255 23,658 SH   SOLE   23,658 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   236,060 1,000 SH   SOLE   1,000 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   17,386 194 SH   DFND   194 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   6,209,680 69,289 SH   SOLE   68,743 0 546
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   47,457 341 SH   DFND   341 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   16,599,084 119,272 SH   SOLE   118,753 0 519
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   16,379 209 SH   DFND   209 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   6,803,613 86,814 SH   SOLE   86,572 0 242
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   29,715 124 SH   DFND   56 0 68
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   6,640,185 27,709 SH   SOLE   27,692 0 17
SELECT SECTOR SPDR TR ENERGY 81369Y506   39,310 440 SH   DFND   440 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   12,663,766 141,748 SH   SOLE   141,152 0 596
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   34,100 633 SH   DFND   633 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   13,365,255 248,102 SH   SOLE   246,865 0 1,237
SELECT SECTOR SPDR TR INDL 81369Y704   59,995 389 SH   DFND   274 0 115
SELECT SECTOR SPDR TR INDL 81369Y704   14,884,892 96,511 SH   SOLE   96,108 0 403
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   136,420 484 SH   DFND   379 0 105
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   36,264,671 128,662 SH   SOLE   128,213 0 449
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   51,846 438 SH   DFND   438 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   17,340,140 146,491 SH   SOLE   146,282 0 209
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   25,404 603 SH   DFND   494 0 109
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   7,304,373 173,377 SH   SOLE   172,109 0 1,268
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   23,808 273 SH   DFND   273 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   7,970,471 91,394 SH   SOLE   91,181 0 213
SHERWIN WILLIAMS CO COM 824348106   500,346 1,445 SH   DFND   300 0 1,145
SHERWIN WILLIAMS CO COM 824348106   7,271 21 SH   SOLE   21 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   183,200 275 SH   DFND   200 0 75
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,101,670 6,157 SH   SOLE   6,157 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   74,504 125 SH   DFND   0 0 125
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   131,723 221 SH   SOLE   221 0 0
SPDR SERIES TRUST NUVEEN ICE HIGH 78464A284   609,239 24,438 SH   SOLE   24,438 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   15,888 251 SH   DFND   251 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698   4,765,097 75,278 SH   SOLE   75,123 0 155
SPDR SERIES TRUST S&P SEMICNDCTR 78464A862   26,806 84 SH   DFND   84 0 0
SPDR SERIES TRUST S&P SEMICNDCTR 78464A862   9,158,744 28,700 SH   SOLE   28,652 0 48
STRYKER CORPORATION COM 863667101   720,857 1,950 SH   DFND   0 0 1,950
STRYKER CORPORATION COM 863667101   82,806 224 SH   SOLE   224 0 0
TARGET CORP COM 87612E106   236,360 2,635 SH   SOLE   2,635 0 0
TC ENERGY CORP COM 87807B107   799,827 14,700 SH   SOLE   14,700 0 0
THE CIGNA GROUP COM 125523100   303,816 1,054 SH   DFND   1,054 0 0
THE CIGNA GROUP COM 125523100   152,484 529 SH   SOLE   529 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   384,621 793 SH   DFND   0 0 793
THERMO FISHER SCIENTIFIC INC COM 883556102   1,000,111 2,062 SH   SOLE   2,062 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   417,830 7,000 SH   SOLE   7,000 0 0
UNDER ARMOUR INC CL A 904311107   51,647 10,350 SH   DFND   10,350 0 0
UNION PAC CORP COM 907818108   577,688 2,444 SH   DFND   47 0 2,397
UNION PAC CORP COM 907818108   4,063,437 17,191 SH   SOLE   17,046 0 145
UNITEDHEALTH GROUP INC COM 91324P102   451,307 1,307 SH   DFND   29 0 1,278
UNITEDHEALTH GROUP INC COM 91324P102   3,351,482 9,706 SH   SOLE   9,645 0 61
US BANCORP DEL COM NEW 902973304   345,994 7,159 SH   SOLE   6,157 0 1,002
VALERO ENERGY CORP COM 91913Y100   110,669 650 SH   DFND   650 0 0
VALERO ENERGY CORP COM 91913Y100   100,283 589 SH   SOLE   589 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   1,759,535 22,298 SH   DFND   0 0 22,298
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,319,083 3,787 SH   DFND   0 0 3,787
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,574,429 2,571 SH   SOLE   2,571 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   423,183 4,629 SH   SOLE   4,629 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   549,000 1,869 SH   DFND   0 0 1,869
VANGUARD INDEX FDS MID CAP ETF 922908629   112,796 384 SH   SOLE   384 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   319,900 667 SH   SOLE   667 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   40,841 219 SH   DFND   0 0 219
VANGUARD INDEX FDS VALUE ETF 922908744   234,045 1,255 SH   SOLE   1,255 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   558,653 2,197 SH   DFND   0 0 2,197
VANGUARD INDEX FDS SMALL CP ETF 922908751   658,331 2,589 SH   SOLE   2,589 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   916,370 6,650 SH   SOLE   6,650 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   356,850 5,000 SH   DFND   0 0 5,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,178,461 16,512 SH   SOLE   16,512 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   239,151 4,414 SH   DFND   0 0 4,414
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   801,756 14,798 SH   SOLE   14,798 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   665,177 8,322 SH   SOLE   8,322 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,854,627 30,895 SH   DFND   30,895 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   98,871,331 1,647,032 SH   SOLE   1,643,867 0 3,165
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   751,078 15,994 SH   DFND   15,994 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   58,812,798 1,252,402 SH   SOLE   1,250,144 0 2,258
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,089,292 24,840 SH   DFND   24,840 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   147,546,351 1,754,207 SH   SOLE   1,751,696 0 2,511
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   477,443 7,968 SH   DFND   0 0 7,968
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   74,241 1,239 SH   SOLE   1,239 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   137,124 3,120 SH   DFND   2,920 0 200
VERIZON COMMUNICATIONS INC COM 92343V104   184,370 4,195 SH   SOLE   4,195 0 0
VISA INC COM CL A 92826C839   927,188 2,716 SH   DFND   1,219 0 1,497
VISA INC COM CL A 92826C839   138,259 405 SH   SOLE   405 0 0
WALMART INC COM 931142103   581,361 5,641 SH   DFND   281 0 5,360
WALMART INC COM 931142103   8,947,772 86,821 SH   SOLE   86,173 0 648
WELLS FARGO CO NEW COM 949746101   1,078,093 12,862 SH   SOLE   12,862 0 0
WILLIAMS COS INC COM 969457100   285,075 4,500 SH   DFND   0 0 4,500
WILLIAMS COS INC COM 969457100   6,905 109 SH   SOLE   109 0 0
WILLIAMS SONOMA INC COM 969904101   293,175 1,500 SH   DFND   0 0 1,500