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
3M CO Equities 88579Y101   136,015 1,331 SH   DFND   1,331 0 0
3M CO Equities 88579Y101   86,555 847 SH   SOLE   847 0 0
ABBOTT LABORATORIES Equities 002824100   84,167 810 SH   DFND   810 0 0
ABBOTT LABORATORIES Equities 002824100   1,395,927 13,434 SH   SOLE   13,434 0 0
ABBVIE INC COM Equities 00287Y109   164,659 960 SH   DFND   960 0 0
ABBVIE INC COM Equities 00287Y109   2,143,828 12,499 SH   SOLE   12,308 0 191
ACCENTURE PLC IRELAND CL A Equities G1151C101   30,341 100 SH   DFND   100 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101   519,135 1,711 SH   SOLE   1,654 0 57
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106   236,530 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   54,645 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   1,443,721 7,926 SH   SOLE   7,926 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   99,047 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   1,701,954 9,279 SH   SOLE   9,279 0 0
ALTRIA GROUP INC Equities 02209S103   545,370 11,973 SH   SOLE   11,973 0 0
AMAZON.COM INC Equities 023135106   38,650 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106   1,040,458 5,384 SH   SOLE   5,384 0 0
AMERICAN EXPRESS CO Equities 025816109   46,310 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109   304,257 1,314 SH   SOLE   1,314 0 0
AMGEN INC Equities 031162100   109,358 350 SH   DFND   350 0 0
AMGEN INC Equities 031162100   426,807 1,366 SH   SOLE   1,223 0 143
ANALOG DEVICES INC Equities 032654105   36,522 160 SH   DFND   160 0 0
ANALOG DEVICES INC Equities 032654105   169,825 744 SH   SOLE   744 0 0
APPLE INC Equities 037833100   394,491 1,873 SH   DFND   1,873 0 0
APPLE INC Equities 037833100   10,423,373 49,489 SH   SOLE   49,489 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   331,540 1,389 SH   DFND   1,389 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   1,683,242 7,052 SH   SOLE   6,843 0 209
BECTON DICKINSON & CO Equities 075887109   128,541 550 SH   DFND   550 0 0
BECTON DICKINSON & CO Equities 075887109   560,203 2,397 SH   SOLE   2,397 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702   1,493,770 3,672 SH   SOLE   3,672 0 0
BLACKROCK INC Equities 09247X101   242,495 308 SH   SOLE   308 0 0
BOEING CO Equities 097023105   491,609 2,701 SH   SOLE   2,701 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   23,880 575 SH   DFND   575 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   489,182 11,779 SH   SOLE   11,779 0 0
BROADCOM INC Equities 11135F101   32,111 20 SH   DFND   20 0 0
BROADCOM INC Equities 11135F101   820,426 511 SH   SOLE   445 0 66
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   32,733 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   280,740 2,573 SH   SOLE   2,573 0 0
CANADIAN PACIFIC KANSAS CITY LT Equities 13646K108   358,300 4,551 SH   SOLE   4,551 0 0
CARRIER GLOBAL CORP Equities 14448C104   29,648 470 SH   DFND   470 0 0
CARRIER GLOBAL CORP Equities 14448C104   184,067 2,918 SH   SOLE   2,918 0 0
CATERPILLAR INC Equities 149123101   51,631 155 SH   DFND   155 0 0
CATERPILLAR INC Equities 149123101   322,108 967 SH   SOLE   967 0 0
CHEVRON CORP Equities 166764100   64,758 414 SH   DFND   414 0 0
CHEVRON CORP Equities 166764100   3,745,164 23,943 SH   SOLE   23,943 0 0
CHUBB LIMITED Equities H1467J104   44,894 176 SH   DFND   176 0 0
CHUBB LIMITED Equities H1467J104   1,566,701 6,142 SH   SOLE   5,891 0 251
CISCO SYSTEMS INC Equities 17275R102   152,032 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102   456,761 9,614 SH   SOLE   9,000 0 614
COCA COLA CO Equities 191216100   54,103 850 SH   DFND   850 0 0
COCA COLA CO Equities 191216100   1,061,618 16,679 SH   SOLE   16,679 0 0
COMCAST CORP CLASS A Equities 20030N101   15,625 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101   277,566 7,088 SH   SOLE   7,088 0 0
COSTCO WHOLESALE CORP Equities 22160K105   223,547 263 SH   DFND   263 0 0
COSTCO WHOLESALE CORP Equities 22160K105   2,461,571 2,896 SH   SOLE   2,857 0 39
CSX CORP Equities 126408103   648,863 19,398 SH   SOLE   19,398 0 0
CUMMINS INC Equities 231021106   30,462 110 SH   DFND   110 0 0
CUMMINS INC Equities 231021106   612,846 2,213 SH   SOLE   1,980 0 233
CVS HEALTH CORPORATION Equities 126650100   265,416 4,494 SH   SOLE   4,494 0 0
DEERE & COMPANY Equities 244199105   742,403 1,987 SH   SOLE   1,987 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103   246,928 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106   1,986 20 SH   DFND   20 0 0
DISNEY WALT CO Equities 254687106   1,310,628 13,200 SH   SOLE   13,200 0 0
ECOLAB INC Equities 278865100   29,750 125 SH   DFND   125 0 0
ECOLAB INC Equities 278865100   517,412 2,174 SH   SOLE   2,009 0 165
EXPEDITORS INTERNATIONAL Equities 302130109   433,645 3,475 SH   SOLE   3,475 0 0
EXXON MOBIL CORP Equities 30231G102   273,525 2,376 SH   DFND   2,376 0 0
EXXON MOBIL CORP Equities 30231G102   1,147,286 9,966 SH   SOLE   9,966 0 0
GENERAL ELECTRIC CO Equities 369604301   7,790 49 SH   DFND   49 0 0
GENERAL ELECTRIC CO Equities 369604301   364,518 2,293 SH   SOLE   2,293 0 0
GENERAL MILLS INC Equities 370334104   107,542 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104   129,367 2,045 SH   SOLE   2,045 0 0
HARLEY DAVIDSON INC Equities 412822108   201,240 6,000 SH   SOLE   6,000 0 0
HEALTH CARE SELECT SECTOR SPDRR Equities 81369Y209   255,937 1,756 SH   SOLE   1,756 0 0
HOME DEPOT INC Equities 437076102   27,539 80 SH   DFND   80 0 0
HOME DEPOT INC Equities 437076102   232,018 674 SH   SOLE   674 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   982,070 4,599 SH   SOLE   4,599 0 0
INTEL CORP Equities 458140100   47,477 1,533 SH   DFND   1,533 0 0
INTEL CORP Equities 458140100   437,947 14,141 SH   SOLE   14,141 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   108,094 625 SH   DFND   625 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   335,869 1,942 SH   SOLE   1,942 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508   206,939 9,836 SH   SOLE   9,836 0 0
ISHARES BROAD USD HIGH YIELD CO Fixed Income 46435U853   300,326 8,279 SH   SOLE   8,279 0 0
ISHARES BROAD USD INVT GRADE CO Fixed Income 464288620   593,663 11,824 SH   SOLE   11,824 0 0
ISHARES CORE MSCI EAFE ETF Equities 46432F842   826,076 11,373 SH   SOLE   11,350 0 23
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103   632,468 11,815 SH   SOLE   11,664 0 151
ISHARES CORE MSCI INTL DEV MKTS Equities 46435G326   429,483 6,543 SH   SOLE   6,543 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   103,378 1,530 SH   DFND   1,530 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   2,208,935 32,694 SH   SOLE   32,130 0 564
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200   3,423,657 6,256 SH   SOLE   6,240 0 16
ISHARES CORE S&P MID CAP ETF Equities 464287507   679,526 11,612 SH   SOLE   11,612 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226   2,035,514 20,968 SH   SOLE   19,934 0 1,034
ISHARES MSCI EAFE (MKT) Equities 464287465   85,771 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   1,514,746 19,338 SH   SOLE   19,208 0 130
ISHARES MSCI EMG MKT ETF Equities 464287234   585,065 13,736 SH   SOLE   13,736 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339   378,205 2,216 SH   SOLE   2,142 0 74
ISHARES NATIONAL AMT-FREE MUNI Fixed Income 464288414   580,698 5,450 SH   SOLE   5,450 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   77,341 212 SH   DFND   212 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   306,543 841 SH   SOLE   841 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655   2,730,088 13,456 SH   SOLE   13,409 0 47
ISHARES RUSSELL 2000 GROWTH Equities 464287648   94,086 358 SH   DFND   358 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   680,492 2,592 SH   SOLE   2,568 0 24
ISHARES RUSSELL 2000 VALUE Equities 464287630   81,852 537 SH   DFND   537 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   306,970 2,016 SH   SOLE   1,952 0 64
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   148,539 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   3,344,506 41,249 SH   SOLE   41,088 0 161
ISHARES RUSSELL MID-CAP VALUE Equities 464287473   345,799 2,864 SH   SOLE   2,794 0 70
ISHARES S&P 500 GROWTH ETF Equities 464287309   227,278 2,456 SH   SOLE   2,456 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   26,025 229 SH   DFND   229 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   484,436 4,268 SH   SOLE   4,127 0 141
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   25,912 294 SH   DFND   294 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   412,284 4,678 SH   SOLE   4,570 0 108
ISHARES TIPS BOND (MKT) Fixed Income 464287176   229,577 2,150 SH   SOLE   2,150 0 0
JOHNSON AND JOHNSON Equities 478160104   175,100 1,198 SH   DFND   1,198 0 0
JOHNSON AND JOHNSON Equities 478160104   2,524,183 17,270 SH   SOLE   16,970 0 300
JPMORGAN CHASE & CO COM Equities 46625H100   245,341 1,213 SH   DFND   1,213 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   1,956,259 9,672 SH   SOLE   9,672 0 0
KIMBERLY-CLARK CORP Equities 494368103   65,645 475 SH   DFND   475 0 0
KIMBERLY-CLARK CORP Equities 494368103   143,175 1,036 SH   SOLE   1,036 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101   121,026 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G54950103   241,346 550 SH   DFND   550 0 0
LINDE PLC Equities G54950103   686,738 1,565 SH   SOLE   1,565 0 0
LOWES COMPANIES INC Equities 548661107   29,762 135 SH   DFND   135 0 0
LOWES COMPANIES INC Equities 548661107   703,047 3,189 SH   SOLE   3,105 0 84
MASTERCARD INC CLASS A Equities 57636Q104   461,895 1,047 SH   SOLE   1,047 0 0
MCCORMICK & CO INC Equities 579780206   212,820 3,000 SH   SOLE   3,000 0 0
MCDONALDS CORP Equities 580135101   191,130 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101   618,242 2,426 SH   SOLE   2,426 0 0
MCKESSON CORP Equities 58155Q103   627,259 1,074 SH   SOLE   1,074 0 0
MERCK & CO INC Equities 58933Y105   22,284 180 SH   DFND   180 0 0
MERCK & CO INC Equities 58933Y105   714,202 5,769 SH   SOLE   5,769 0 0
META PLATFORMS INC Equities 30303M102   373,123 740 SH   SOLE   740 0 0
MICROSOFT CORP Equities 594918104   1,446,330 3,236 SH   DFND   3,236 0 0
MICROSOFT CORP Equities 594918104   11,329,289 25,348 SH   SOLE   25,188 0 160
MONDELEZ INTL INC CL A Equities 609207105   3,926 60 SH   DFND   60 0 0
MONDELEZ INTL INC CL A Equities 609207105   273,670 4,182 SH   SOLE   4,182 0 0
NEXTERA ENERGY INC Equities 65339F101   125,475 1,772 SH   DFND   1,772 0 0
NEXTERA ENERGY INC Equities 65339F101   1,260,418 17,800 SH   SOLE   17,562 0 238
NOVARTIS AG ADR Equities 66987V109   88,894 835 SH   DFND   835 0 0
NOVARTIS AG ADR Equities 66987V109   808,670 7,596 SH   SOLE   7,032 0 564
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105   1,707,570 148,098 SH   SOLE   148,098 0 0
ORACLE CORP Equities 68389X105   112,960 800 SH   DFND   800 0 0
ORACLE CORP Equities 68389X105   732,828 5,190 SH   SOLE   5,190 0 0
PEPSICO INC Equities 713448108   205,503 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108   1,269,301 7,696 SH   SOLE   7,696 0 0
PFIZER INC Equities 717081103   78,204 2,795 SH   DFND   2,795 0 0
PFIZER INC Equities 717081103   836,154 29,884 SH   SOLE   29,884 0 0
PHILIP MORRIS INTL INC Equities 718172109   15,807 156 SH   DFND   156 0 0
PHILIP MORRIS INTL INC Equities 718172109   316,048 3,119 SH   SOLE   3,119 0 0
PHILLIPS 66 Equities 718546104   64,938 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104   363,654 2,576 SH   SOLE   2,576 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106   352,685 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109   170,692 1,035 SH   DFND   1,035 0 0
PROCTER & GAMBLE CO Equities 742718109   905,246 5,489 SH   SOLE   5,489 0 0
QUALCOMM INC Equities 747525103   1,095,689 5,501 SH   SOLE   5,312 0 189
RAYTHEON TECHS CORP Equities 75513E101   93,865 935 SH   DFND   935 0 0
RAYTHEON TECHS CORP Equities 75513E101   1,405,560 14,001 SH   SOLE   13,781 0 220
S&P GLOBAL INC Equities 78409V104   94,106 211 SH   DFND   211 0 0
S&P GLOBAL INC Equities 78409V104   743,928 1,668 SH   SOLE   1,623 0 45
SARATOGA INVESTMENT CORP NEW Equities 80349A208   249,700 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   1,391,662 17,897 SH   SOLE   17,897 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201   1,833,438 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607   607,075 12,794 SH   SOLE   12,794 0 0
SEMPRA ENERGY Equities 816851109   308,804 4,060 SH   SOLE   4,060 0 0
SPDR PORT INTERMEDIATE TERM COR Fixed Income 78464A375   566,692 17,405 SH   SOLE   16,440 0 965
SPDR S&P 500 (MKT) Equities 78462F103   217,688 400 SH   DFND   400 0 0
SPDR S&P 500 (MKT) Equities 78462F103   1,985,859 3,649 SH   SOLE   3,549 0 100
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107   2,405,185 4,495 SH   SOLE   4,495 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   125,499 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   991,608 10,651 SH   SOLE   10,651 0 0
SPDR SERIES TRUST SPDR S&P Equities 78464A763   38,154 300 SH   DFND   300 0 0
SPDR SERIES TRUST SPDR S&P Equities 78464A763   164,952 1,297 SH   SOLE   731 0 566
STARBUCKS CORP Equities 855244109   227,556 2,923 SH   SOLE   2,544 0 379
STATE STREET CORPORATION Equities 857477103   46,768 632 SH   DFND   632 0 0
STATE STREET CORPORATION Equities 857477103   179,820 2,430 SH   SOLE   1,979 0 451
SUN LIFE FINANCIAL INC Equities 866796105   312,703 6,383 SH   SOLE   6,383 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109   508,860 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106   29,608 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106   575,283 3,886 SH   SOLE   3,769 0 117
TESLA INC Equities 88160R101   445,230 2,250 SH   SOLE   2,250 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   28,602 209 SH   DFND   209 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   317,766 2,322 SH   SOLE   2,190 0 132
UNITEDHEALTH GROUP INC Equities 91324P102   205,232 403 SH   SOLE   403 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844   381,712 2,091 SH   SOLE   1,717 0 374
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   965,832 19,543 SH   SOLE   18,910 0 633
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   34,614 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   877,222 20,045 SH   SOLE   19,757 0 288
VANGUARD GROWTH ETF (MKT) Equities 922908736   2,801,550 7,488 SH   SOLE   7,016 0 472
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   2,298,844 19,383 SH   SOLE   18,823 0 560
VANGUARD LARGE CAP ETF Equities 922908637   1,561,623 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816   301,642 960 SH   SOLE   960 0 0
VANGUARD MEGA CAP INDEX ETF Equities 921910873   215,243 1,091 SH   SOLE   1,091 0 0
VANGUARD MID CAP ETF Equities 922908629   541,788 2,238 SH   SOLE   2,238 0 0
VANGUARD REIT ETF (MKT) Equities 922908553   356,483 4,256 SH   SOLE   4,256 0 0
VANGUARD RUSSELL 1000 GROWTH IN Equities 92206C680   1,044,077 11,130 SH   SOLE   11,130 0 0
VANGUARD RUSSELL 1000 VALUE IND Equities 92206C714   921,672 12,037 SH   SOLE   12,037 0 0
VANGUARD RUSSELL 2000 INDEX FD Equities 92206C664   354,427 4,324 SH   SOLE   4,324 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363   501,859 1,003 SH   SOLE   1,003 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827   577,028 7,524 SH   SOLE   7,319 0 205
VANGUARD SMALL CAP ETF Equities 922908751   311,591 1,429 SH   SOLE   1,429 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   1,494,846 5,588 SH   SOLE   5,588 0 0
VANGUARD US MOMENTUM FACTOR ETF Equities 921935508   368,891 2,456 SH   SOLE   2,456 0 0
VANGUARD VALUE ETF Equities 922908744   102,416 639 SH   DFND   639 0 0
VANGUARD VALUE ETF Equities 922908744   2,861,015 17,838 SH   SOLE   17,045 0 793
VERIZON COMMUNICATIONS INC Equities 92343V104   69,737 1,691 SH   DFND   1,691 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   415,163 10,067 SH   SOLE   10,067 0 0
VISA INC CL A Equities 92826C839   1,039,906 3,962 SH   SOLE   3,962 0 0
WALMART INC Equities 931142103   101,971 1,506 SH   DFND   1,506 0 0
WALMART INC Equities 931142103   235,495 3,478 SH   SOLE   3,478 0 0
WELLS FARGO & COMPANY Equities 949746101   219,743 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101   845,298 14,233 SH   SOLE   14,233 0 0
WEYERHAEUSER CO Equities 962166104   58,994 2,078 SH   DFND   2,078 0 0
WEYERHAEUSER CO Equities 962166104   163,157 5,747 SH   SOLE   5,747 0 0
ZOETIS INC Equities 98978V103   32,938 190 SH   DFND   190 0 0
ZOETIS INC Equities 98978V103   358,508 2,068 SH   SOLE   2,068 0 0