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
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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   1,165,475 12,449 SH   SOLE   0 0 12,449
ADAMS DIVERSIFIED EQUITY COM 006212104   3,660,751 219,997 SH   SOLE   0 0 219,997
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,265,341 97,982 SH   SOLE   0 0 97,982
ADVENT CONVERT & INCOME COM 00764C109   1,120,404 106,807 SH   SOLE   0 0 106,807
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,283,519 4,529 SH   SOLE   0 0 4,529
ALLSTATE CORP COM 020002101   2,383,800 21,397 SH   SOLE   0 0 21,397
ALPHABET INC-CL A COM 02079K305   1,346,811 10,292 SH   SOLE   0 0 10,292
ALPHABET INC-CL C COM 02079K107   1,918,286 14,549 SH   SOLE   0 0 14,549
AMAZON.COM INC COM 023135106   918,442 7,225 SH   SOLE   0 0 7,225
AMERICA MOVIL SAB DE CV ADR 02390A101   173,200 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   563,696 18,219 SH   SOLE   0 0 18,219
AMGEN INC COM 031162100   4,735,901 17,621 SH   SOLE   0 0 17,621
AMYRIS INC COM 03236M200   660 11,000 SH   SOLE   0 0 11,000
ANDRADA MINING LTD COM G012B4107   1,092 13,329 SH   SOLE   0 0 13,329
APPLE INC COM 037833100   2,281,544 13,326 SH   SOLE   0 0 13,326
APPLE INC COM 037833100   838,929 4,900 SH   DFND   4,900 0 0
ARKEMA-SPONSORED ADR ADR 041232109   308,728 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   3,076,474 73,267 SH   SOLE   0 0 73,267
ASTRAZENECA PLC-SPONS ADR ADR 046353108   507,900 7,500 SH   DFND   7,500 0 0
AT&T INC COM 00206R102   682,247 45,423 SH   SOLE   0 0 45,423
AUTOMATIC DATA PROCESSING COM 053015103   377,711 1,570 SH   SOLE   0 0 1,570
AUTOZONE INC COM 053332102   363,219 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   498,352 18,201 SH   SOLE   0 0 18,201
BERKSHIRE HATHAWAY INC-CL B COM 747545101   249,063 711 SH   SOLE   0 0 711
BHP GROUP LTD-SPON ADR ADR 088606108   363,406 6,389 SH   SOLE   0 0 6,389
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   155,814 27,432 SH   DFND   27,432 0 0
CATERPILLAR INC COM 149123101   327,600 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   195,000 30,000 SH   DFND   30,000 0 0
CHEVRON CORP COM 166764100   590,170 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   1,529,580 28,452 SH   SOLE   0 0 28,452
COCA-COLA CO/THE COM 191216100   242,027 4,323 SH   SOLE   0 0 4,323
COGNITION THERAPEUTICS INC COM 19243B102   74,118 51,471 SH   SOLE   0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407   4,463,963 27,730 SH   SOLE   0 0 27,730
CONSUMER STAPLES SPDR COM 81369Y308   4,005,210 58,207 SH   SOLE   0 0 58,207
COPA HOLDINGS SA-CLASS A COM P31076105   267,360 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   1,344,926 49,720 SH   SOLE   0 0 49,720
CSX CORP COM 126408103   3,543,408 115,233 SH   SOLE   0 0 115,233
CVS HEALTH CORP COM 126650100   1,546,346 22,148 SH   SOLE   0 0 22,148
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   173,800 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103   484,537 10,158 SH   SOLE   0 0 10,158
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   417,704 2,800 SH   DFND   2,800 0 0
DNAPRINT GENOMICS COM 23324Q202   118 1,175,300 SH   SOLE   0 0 1,175,300
DR HORTON INC COM 23331A109   537,350 5,000 SH   DFND   5,000 0 0
DUKE ENERGY CORP COM 26441C204   246,598 2,794 SH   SOLE   0 0 2,794
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,274,483 14,100 SH   SOLE   0 0 14,100
ENTEGRIS INC COM 29362U104   1,345,303 14,325 SH   SOLE   0 0 14,325
EVEREST GROUP LTD COM G3223R108   3,847,149 10,351 SH   SOLE   0 0 10,351
EXXON MOBIL CORP COM 30231G102   275,684 2,345 SH   SOLE   0 0 2,345
FIRST SEISMIC CORP COM 336397104   18 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   293,600 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   91,000 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665   95,188 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   3,750,571 44,528 SH   SOLE   0 0 44,528
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   7,399,891 246,417 SH   SOLE   0 0 246,417
GROUP 1 AUTOMOTIVE INC COM 398905109   886,743 3,300 SH   DFND   3,300 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   442,278 1,800 SH   DFND   1,800 0 0
HDFC BANK LTD-ADR ADR 40415F101   472,080 8,000 SH   DFND   8,000 0 0
HEMPFUSION WELLNESS INC COM 423821107   2 22,222 SH   SOLE   0 0 22,222
INGLES MARKETS INC-CLASS A COM 457030104   4,029,854 53,496 SH   SOLE   0 0 53,496
INTEL CORP COM 458140100   377,577 10,621 SH   SOLE   0 0 10,621
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   456,199 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   1,993,523 14,209 SH   SOLE   0 0 14,209
INVESCO BULLETSHARE 2028 HYC COM 46138J452   233,868 11,358 SH   SOLE   0 0 11,358
INVESCO BULLETSHARES 2024 CO COM 46138J841   6,430,315 311,094 SH   SOLE   0 0 311,094
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,103,566 93,559 SH   SOLE   0 0 93,559
INVESCO BULLETSHARES 2025 CO COM 46138J825   6,502,350 323,339 SH   SOLE   0 0 323,339
INVESCO BULLETSHARES 2025 HI COM 46138J817   957,903 42,611 SH   SOLE   0 0 42,611
INVESCO BULLETSHARES 2026 CO COM 46138J791   5,388,332 286,838 SH   SOLE   0 0 286,838
INVESCO BULLETSHARES 2026 HI COM 46138J635   904,657 39,976 SH   SOLE   0 0 39,976
INVESCO BULLETSHARES 2027 CO COM 46138J783   4,484,246 239,351 SH   SOLE   0 0 239,351
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   4,552,892 32,133 SH   SOLE   0 0 32,133
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   3,492,486 127,463 SH   SOLE   0 0 127,463
INVESCO S&P GLOBAL WATER IND COM 46138E263   2,651,640 57,000 SH   SOLE   0 0 57,000
INVESCO VARIABLE RATE PREFER COM 46138G870   2,468,533 110,350 SH   SOLE   0 0 110,350
ISHARES 1-5Y INV GRADE CORP COM 464288646   705,344 14,155 SH   SOLE   0 0 14,155
ISHARES CALIFORNIA MUNI BOND COM 464288356   245,683 4,480 SH   SOLE   0 0 4,480
ISHARES CORE GROWTH ALLOCATI COM 464289867   294,928 5,969 SH   SOLE   0 0 5,969
ISHARES CORE S&P MIDCAP ETF COM 464287507   4,526,648 18,154 SH   SOLE   0 0 18,154
ISHARES FLOATING RATE BOND E COM 46429B655   5,615,044 110,337 SH   SOLE   0 0 110,337
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,229,018 51,311 SH   SOLE   0 0 51,311
ISHARES GLOBAL TECH ETF COM 464287291   4,113,060 71,111 SH   SOLE   0 0 71,111
ISHARES GOLD TRUST COM 464285204   264,140 7,549 SH   SOLE   0 0 7,549
ISHARES MSCI EAFE ETF COM 464287465   870,654 12,633 SH   SOLE   0 0 12,633
ISHARES MSCI EAFE SMALL-CAP COM 464288273   3,666,425 64,927 SH   SOLE   0 0 64,927
ISHARES MSCI USA MIN VOL FAC COM 46429B697   287,659 3,974 SH   SOLE   0 0 3,974
ISHARES RUSSELL 1000 ETF COM 464287622   4,134,015 17,598 SH   SOLE   0 0 17,598
ISHARES RUSSELL 1000 GROWTH COM 464287614   288,599 1,085 SH   SOLE   0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655   1,411,083 7,984 SH   SOLE   0 0 7,984
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,408,163 34,775 SH   SOLE   0 0 34,775
ISHARES SHORT-TERM NATIONAL COM 464288158   557,193 5,417 SH   SOLE   0 0 5,417
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   656,000 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206   2,384,112 90,789 SH   SOLE   0 0 90,789
JOHN HANCOCK MULTI FACT LRG COM 47804J107   1,770,131 33,386 SH   SOLE   0 0 33,386
JOHNSON & JOHNSON COM 478160104   3,075,569 19,747 SH   SOLE   0 0 19,747
JPMORGAN CHASE & CO COM 46625H100   351,964 2,427 SH   SOLE   0 0 2,427
JPMORGAN CHASE & CO COM 46625H100   304,542 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   1,921,524 38,293 SH   SOLE   0 0 38,293
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   197,088 11,900 SH   DFND   11,900 0 0
KVH INDUSTRIES INC COM 482738101   153,000 30,000 SH   DFND   30,000 0 0
LENNAR CORP-A COM 526057104   448,920 4,000 SH   DFND   4,000 0 0
LENNOX INTERNATIONAL INC COM 526107107   636,548 1,700 SH   DFND   1,700 0 0
LIVEVOX HOLDINGS INC COM 53838L100   33,400 10,000 SH   SOLE   0 0 10,000
LOCKHEED MARTIN CORP COM 539830109   1,921,894 4,699 SH   SOLE   0 0 4,699
LOWE'S COS INC COM 548661107   3,271,402 15,740 SH   SOLE   0 0 15,740
LOWE'S COS INC COM 548661107   540,384 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLOBAL INFRAST COM 56064Q107   1,087,235 92,295 SH   SOLE   0 0 92,295
MERCK & CO. INC. COM 58933Y105   560,975 5,449 SH   SOLE   0 0 5,449
META PLATFORMS INC-CLASS A COM 30303M102   351,546 1,171 SH   SOLE   0 0 1,171
METLIFE INC COM 59156R108   2,133,166 33,908 SH   SOLE   0 0 33,908
MICROSOFT CORP COM 594918104   1,581,592 5,009 SH   SOLE   0 0 5,009
MICROSOFT CORP COM 594918104   473,625 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   705,780 18,000 SH   DFND   18,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   74,063 12,500 SH   DFND   12,500 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   4,621,145 10,563 SH   SOLE   0 0 10,563
NESTLE SA-SPONS ADR ADR 641069406   537,558 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104   607,040 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   459,000 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   242,340 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   472,632 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,370,893 23,276 SH   SOLE   0 0 23,276
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   363,760 4,000 SH   DFND   4,000 0 0
NUVEEN PREFERRED & INCOME SE COM 67072C105   967,475 156,803 SH   SOLE   0 0 156,803
NVIDIA CORP COM 67066G104   578,537 1,330 SH   SOLE   0 0 1,330
NVR INC COM 62944T105   298,165 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   2,294,082 11,475 SH   SOLE   0 0 11,475
OLD REPUBLIC INTL CORP COM 680223104   2,470,735 91,713 SH   SOLE   0 0 91,713
ORACLE CORP COM 68389X105   671,533 6,340 SH   SOLE   0 0 6,340
OSISKO GOLD ROYALTIES LTD COM 68827L101   485,874 41,351 SH   SOLE   0 0 41,351
PEARSON PLC-SPONSORED ADR ADR 705015105   168,640 16,000 SH   DFND   16,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,281,562 12,798 SH   SOLE   0 0 12,798
PLEXUS CORP COM 729132100   1,386,611 14,913 SH   SOLE   0 0 14,913
PROCTER & GAMBLE CO/THE COM 742718109   218,936 1,501 SH   SOLE   0 0 1,501
PROCTER & GAMBLE CO/THE COM 742718109   452,166 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103   693,388 6,243 SH   SOLE   0 0 6,243
RGC RESOURCES INC COM 74955L103   730,129 42,204 SH   SOLE   0 0 42,204
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   407,160 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,447,652 295,610 SH   SOLE   0 0 295,610
ROYCE VALUE TRUST COM 780910105   158,205 12,293 SH   SOLE   0 0 12,293
RTX CORP COM 75513E101   287,880 4,000 SH   DFND   4,000 0 0
SCHWAB FUNDAMENTAL LARGE CAP COM 808524771   2,524,467 45,104 SH   SOLE   0 0 45,104
SCHWAB INTL EQUITY ETF COM 808524805   523,908 15,427 SH   SOLE   0 0 15,427
SCHWAB US MID CAP ETF COM 808524508   628,855 9,292 SH   SOLE   0 0 9,292
SCHWAB US SMALL-CAP ETF COM 808524607   600,045 14,487 SH   SOLE   0 0 14,487
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   301,440 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   500,150 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   354,924 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   1,871,950 145,000 SH   SOLE   0 0 145,000
SONY GROUP CORP - SP ADR ADR 835699307   329,640 4,000 SH   DFND   4,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,847,407 63,008 SH   SOLE   0 0 63,008
SPDR S&P 500 ETF TRUST COM 78462F103   707,052 1,654 SH   SOLE   0 0 1,654
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   630,163 1,380 SH   SOLE   0 0 1,380
STELLAR BANCORP INC COM 858927106   830,712 38,964 SH   SOLE   0 0 38,964
STRYKER CORP COM 863667101   3,710,870 13,580 SH   SOLE   0 0 13,580
SUMMIT MATERIALS INC -CL A COM 86614U100   270,295 8,680 SH   DFND   8,680 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   216,810 4,500 SH   DFND   4,500 0 0
TECNOGLASS INC COM G87264100   762,497 23,134 SH   DFND   23,134 0 0
TELLURIAN INC COM 87968A104   11,600 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   262,981 1,051 SH   SOLE   0 0 1,051
THERMO FISHER SCIENTIFIC INC COM 883556102   683,330 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   1,451,901 48,935 SH   SOLE   0 0 48,935
UNILEVER PLC-SPONSORED ADR ADR 904767704   345,800 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   3,622,260 15,080 SH   SOLE   0 0 15,080
VANECK MORNINGSTAR WIDE MOAT COM 92189F643   1,382,032 18,223 SH   SOLE   0 0 18,223
VANGUARD ENERGY ETF COM 92204A306   1,825,321 14,402 SH   SOLE   0 0 14,402
VANGUARD FTSE DEVELOPED ETF COM 921943858   8,617,111 197,098 SH   SOLE   0 0 197,098
VANGUARD FTSE EMERGING MARKE COM 922042858   1,013,576 25,850 SH   SOLE   0 0 25,850
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,092,556 10,574 SH   SOLE   0 0 10,574
VANGUARD INFO TECH ETF COM 92204A702   9,134,264 22,016 SH   SOLE   0 0 22,016
VANGUARD S/T CORP BOND ETF COM 92206C409   4,489,136 59,736 SH   SOLE   0 0 59,736
VANGUARD TOTAL STOCK MKT ETF COM 922908769   1,128,538 5,313 SH   SOLE   0 0 5,313
VERITEX HOLDINGS INC COM 923451108   211,702 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   463,657 14,306 SH   SOLE   0 0 14,306
VISA INC-CLASS A SHARES COM 92826C839   368,706 1,603 SH   SOLE   0 0 1,603
VISA INC-CLASS A SHARES COM 92826C839   562,604 2,446 SH   SOLE   0 0 2,446
VMWARE INC-CLASS A COM 928563402   312,316 1,876 SH   SOLE   0 0 1,876
VOYA FINANCIAL INC COM 929089100   2,807,147 42,245 SH   SOLE   0 0 42,245
WALMART DE MEXICO SAB DE CV COM P98180188   37,854 10,016 SH   SOLE   0 0 10,016
WALT DISNEY CO/THE COM 254687106   380,800 4,698 SH   SOLE   0 0 4,698
WASTE MANAGEMENT INC COM 94106L109   843,989 5,537 SH   SOLE   0 0 5,537
WESTERN ASSET GL CORP DEF OP COM 95790C107   3,235,173 273,010 SH   SOLE   0 0 273,010
WESTERN ASSET HI INC OPPORT COM 95766K109   3,588,032 985,723 SH   SOLE   0 0 985,723
WILLIAMS COS INC COM 969457100   1,352,047 40,132 SH   SOLE   0 0 40,132