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   1,177,695 11,103 SH   SOLE   0 0 11,103
ADAMS DIVERSIFIED EQUITY COM 006212104   4,439,331 227,425 SH   SOLE   0 0 227,425
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,423,005 105,074 SH   SOLE   0 0 105,074
ADVENT CONVERT & INCOME COM 00764C109   1,551,340 129,928 SH   SOLE   0 0 129,928
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,163,138 4,801 SH   SOLE   0 0 4,801
ALAMO GROUP INC COM 011311107   228,330 1,000 SH   SOLE   0 0 1,000
ALLSTATE CORP COM 020002101   3,720,461 21,504 SH   SOLE   0 0 21,504
ALPHABET INC-CL A COM 02079K305   1,553,975 10,296 SH   SOLE   0 0 10,296
ALPHABET INC-CL C COM 02079K107   2,418,802 15,886 SH   SOLE   0 0 15,886
AMAZON.COM INC COM 023135106   1,189,967 6,597 SH   SOLE   0 0 6,597
AMAZON.COM INC COM 023135106   270,570 1,500 SH   DFND   1,500 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101   186,600 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   637,103 17,219 SH   SOLE   0 0 17,219
AMGEN INC COM 031162100   5,062,827 17,807 SH   SOLE   0 0 17,807
AMYRIS INC COM 03236M200   66 11,000 SH   SOLE   0 0 11,000
ANDRADA MINING LTD COM G012B4107   706 13,329 SH   SOLE   0 0 13,329
APPLE INC COM 037833100   2,495,252 14,551 SH   SOLE   0 0 14,551
APPLE INC COM 037833100   771,660 4,500 SH   DFND   4,500 0 0
ARKEMA-SPONSORED ADR ADR 041232109   329,855 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   2,755,182 74,244 SH   SOLE   0 0 74,244
ASTRAZENECA PLC-SPONS ADR ADR 046353108   508,125 7,500 SH   DFND   7,500 0 0
AT&T INC COM 00206R102   836,799 47,545 SH   SOLE   0 0 47,545
AUTOMATIC DATA PROCESSING COM 053015103   392,092 1,570 SH   SOLE   0 0 1,570
AUTOZONE INC COM 053332102   450,686 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   690,193 18,201 SH   SOLE   0 0 18,201
BHP GROUP LTD-SPON ADR ADR 088606108   762,085 13,210 SH   SOLE   0 0 13,210
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   136,337 27,432 SH   DFND   27,432 0 0
BROADCOM INC COM 11135F101   1,317,458 994 SH   SOLE   0 0 994
CATERPILLAR INC COM 149123101   213,262 582 SH   SOLE   0 0 582
CATERPILLAR INC COM 149123101   439,716 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   270,300 30,000 SH   DFND   30,000 0 0
CHEVRON CORP COM 166764100   216,936 1,375 SH   SOLE   0 0 1,375
CHEVRON CORP COM 166764100   552,090 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   793,369 15,896 SH   SOLE   0 0 15,896
COCA-COLA CO/THE COM 191216100   265,324 4,337 SH   SOLE   0 0 4,337
COGNITION THERAPEUTICS INC COM 19243B102   93,677 51,471 SH   SOLE   0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407   3,544,239 19,274 SH   SOLE   0 0 19,274
CONSUMER STAPLES SPDR COM 81369Y308   4,582,666 60,014 SH   SOLE   0 0 60,014
COPA HOLDINGS SA-CLASS A COM P31076105   312,480 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   1,018,178 36,520 SH   SOLE   0 0 36,520
CRH PLC COM G25508105   215,650 2,500 SH   DFND   2,500 0 0
CSX CORP COM 126408103   4,296,136 115,893 SH   SOLE   0 0 115,893
CVS HEALTH CORP COM 126650100   1,791,399 22,460 SH   SOLE   0 0 22,460
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   214,280 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103   511,336 10,190 SH   SOLE   0 0 10,190
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   416,472 2,800 SH   DFND   2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500   1,197,223 19,205 SH   SOLE   0 0 19,205
DNAPRINT GENOMICS COM 23324Q202   118 1,175,300 SH   SOLE   0 0 1,175,300
DR HORTON INC COM 23331A109   658,200 4,000 SH   DFND   4,000 0 0
DUKE ENERGY CORP COM 26441C204   270,208 2,794 SH   SOLE   0 0 2,794
ELECTRONIC ARTS INC COM 285512109   212,272 1,600 SH   DFND   1,600 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,349,602 14,295 SH   SOLE   0 0 14,295
ENTEGRIS INC COM 29362U104   2,059,115 14,651 SH   SOLE   0 0 14,651
EVEREST GROUP LTD COM G3223R108   4,150,617 10,442 SH   SOLE   0 0 10,442
EXXON MOBIL CORP COM 30231G102   288,532 2,482 SH   SOLE   0 0 2,482
FIRST SEISMIC CORP COM 336397104   3,556 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   290,400 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   160,000 20,000 SH   SOLE   0 0 20,000
GLOBAL X MSCI NIGERIA ETF COM 37954Y665   41,514 11,100 SH   DFND   11,100 0 0
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   4,176,061 40,236 SH   SOLE   0 0 40,236
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   7,378,947 215,192 SH   SOLE   0 0 215,192
GROUP 1 AUTOMOTIVE INC COM 398905109   818,244 2,800 SH   DFND   2,800 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   573,624 1,800 SH   DFND   1,800 0 0
HANNON ARMSTRONG SUSTAINABLE COM 41068X100   431,680 15,200 SH   DFND   15,200 0 0
HDFC BANK LTD-ADR ADR 40415F101   447,760 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   4,136,656 53,947 SH   SOLE   0 0 53,947
INTEL CORP COM 458140100   489,006 11,071 SH   SOLE   0 0 11,071
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   644,843 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   2,767,583 14,493 SH   SOLE   0 0 14,493
INVESCO BULLETSHARE 2028 HYC COM 46138J452   1,192,372 55,049 SH   SOLE   0 0 55,049
INVESCO BULLETSHARES 2024 CO COM 46138J841   5,115,606 243,949 SH   SOLE   0 0 243,949
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,184,257 96,096 SH   SOLE   0 0 96,096
INVESCO BULLETSHARES 2025 CO COM 46138J825   6,444,669 315,451 SH   SOLE   0 0 315,451
INVESCO BULLETSHARES 2025 HI COM 46138J817   1,076,274 46,896 SH   SOLE   0 0 46,896
INVESCO BULLETSHARES 2026 CO COM 46138J791   5,930,668 308,728 SH   SOLE   0 0 308,728
INVESCO BULLETSHARES 2026 HI COM 46138J635   1,069,749 46,150 SH   SOLE   0 0 46,150
INVESCO BULLETSHARES 2027 CO COM 46138J783   4,884,616 253,220 SH   SOLE   0 0 253,220
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   5,573,849 32,909 SH   SOLE   0 0 32,909
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   4,183,691 131,604 SH   SOLE   0 0 131,604
INVESCO S&P 500 EQUAL WEIGHT COM 46137V282   797,159 22,653 SH   SOLE   0 0 22,653
INVESCO S&P GLOBAL WATER IND COM 46138E263   3,182,250 57,307 SH   SOLE   0 0 57,307
INVESCO VARIABLE RATE PREFER COM 46138G870   2,929,062 123,225 SH   SOLE   0 0 123,225
ISHARES CALIFORNIA MUNI BOND COM 464288356   257,779 4,480 SH   SOLE   0 0 4,480
ISHARES CORE S&P MIDCAP ETF COM 464287507   5,494,417 90,458 SH   SOLE   0 0 90,458
ISHARES CORE S&P SMALL-CAP E COM 464287804   211,093 1,910 SH   SOLE   0 0 1,910
ISHARES FLOATING RATE BOND E COM 46429B655   5,740,981 112,436 SH   SOLE   0 0 112,436
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,803,355 51,566 SH   SOLE   0 0 51,566
ISHARES GLOBAL TECH ETF COM 464287291   3,315,447 44,318 SH   SOLE   0 0 44,318
ISHARES GOLD TRUST COM 464285204   299,027 7,118 SH   SOLE   0 0 7,118
ISHARES GSCI COMMODITY DYNAM COM 46431W853   256,311 9,493 SH   SOLE   0 0 9,493
ISHARES MSCI EAFE ETF COM 464287465   842,082 10,544 SH   SOLE   0 0 10,544
ISHARES MSCI EAFE SMALL-CAP COM 464288273   4,208,162 66,448 SH   SOLE   0 0 66,448
ISHARES MSCI USA MIN VOL FAC COM 46429B697   333,673 3,992 SH   SOLE   0 0 3,992
ISHARES RUSSELL 1000 ETF COM 464287622   4,969,426 17,253 SH   SOLE   0 0 17,253
ISHARES RUSSELL 1000 GROWTH COM 464287614   365,699 1,085 SH   SOLE   0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655   1,703,563 8,101 SH   SOLE   0 0 8,101
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,743,327 32,624 SH   SOLE   0 0 32,624
ISHARES SHORT-TERM NATIONAL COM 464288158   413,684 3,950 SH   SOLE   0 0 3,950
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   262,990 6,500 SH   DFND   6,500 0 0
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   1,011,500 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPPOR COM 409735206   2,719,238 91,928 SH   SOLE   0 0 91,928
JOHN HANCOCK MULTI FACT LRG COM 47804J107   2,242,352 34,626 SH   SOLE   0 0 34,626
JOHNSON & JOHNSON COM 478160104   3,093,179 19,554 SH   SOLE   0 0 19,554
JPMORGAN CHASE & CO COM 46625H100   474,911 2,371 SH   SOLE   0 0 2,371
JPMORGAN CHASE & CO COM 46625H100   420,630 2,100 SH   DFND   2,100 0 0
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   1,626,109 32,232 SH   SOLE   0 0 32,232
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   243,355 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   550,336 3,200 SH   DFND   3,200 0 0
LENNOX INTERNATIONAL INC COM 526107107   830,892 1,700 SH   DFND   1,700 0 0
LOCKHEED MARTIN CORP COM 539830109   2,192,473 4,820 SH   SOLE   0 0 4,820
LOWE'S COS INC COM 548661107   3,973,024 15,597 SH   SOLE   0 0 15,597
LOWE'S COS INC COM 548661107   662,298 2,600 SH   DFND   2,600 0 0
MAINSTAY CBRE GLOBAL INFRAST COM 56064Q107   1,206,519 95,984 SH   SOLE   0 0 95,984
MASTERCARD INC - A COM 57636Q104   209,001 434 SH   SOLE   0 0 434
MERCK & CO. INC. COM 58933Y105   715,301 5,421 SH   SOLE   0 0 5,421
META PLATFORMS INC-CLASS A COM 30303M102   466,157 960 SH   SOLE   0 0 960
METLIFE INC COM 59156R108   2,556,952 34,502 SH   SOLE   0 0 34,502
MICROSOFT CORP COM 594918104   2,054,846 4,884 SH   SOLE   0 0 4,884
MICROSOFT CORP COM 594918104   631,080 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   701,400 14,000 SH   DFND   14,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   89,460 18,000 SH   DFND   18,000 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   5,183,727 10,537 SH   SOLE   0 0 10,537
NESTLE SA-SPONS ADR ADR 641069406   504,450 4,750 SH   DFND   4,750 0 0
NETAPP INC COM 64110D104   839,760 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   703,674 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   215,880 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   611,688 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,248,876 23,249 SH   SOLE   0 0 23,249
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   513,600 4,000 SH   DFND   4,000 0 0
NUVEEN PREFERED & INCOME OPP COM 67073B106   1,463,557 203,555 SH   SOLE   0 0 203,555
NVIDIA CORP COM 67066G104   1,114,089 1,233 SH   SOLE   0 0 1,233
NVR INC COM 62944T105   404,998 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   2,911,050 11,749 SH   SOLE   0 0 11,749
OLD REPUBLIC INTL CORP COM 680223104   2,782,219 90,567 SH   SOLE   0 0 90,567
ORACLE CORP COM 68389X105   797,121 6,346 SH   SOLE   0 0 6,346
OSISKO GOLD ROYALTIES LTD COM 68827L101   696,701 42,430 SH   SOLE   0 0 42,430
PEARSON PLC-SPONSORED ADR ADR 705015105   210,560 16,000 SH   DFND   16,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,149,301 11,431 SH   SOLE   0 0 11,431
PLEXUS CORP COM 729132100   1,447,617 15,267 SH   SOLE   0 0 15,267
PROCTER & GAMBLE CO/THE COM 742718109   241,104 1,486 SH   SOLE   0 0 1,486
PROCTER & GAMBLE CO/THE COM 742718109   502,975 3,100 SH   DFND   3,100 0 0
QUALCOMM INC COM 747525103   1,067,606 6,306 SH   SOLE   0 0 6,306
RGC RESOURCES INC COM 74955L103   878,031 43,381 SH   SOLE   0 0 43,381
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   383,040 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,779,581 294,136 SH   SOLE   0 0 294,136
ROYCE SMALL-CAP TRUST INC COM 780910105   203,439 13,411 SH   SOLE   0 0 13,411
SCHWAB FNDM US LRG COMP INDX COM 808524771   2,984,132 44,282 SH   SOLE   0 0 44,282
SCHWAB INTL EQUITY ETF COM 808524805   575,650 14,753 SH   SOLE   0 0 14,753
SCHWAB US MID CAP ETF COM 808524508   716,434 8,798 SH   SOLE   0 0 8,798
SCHWAB US SMALL-CAP ETF COM 808524607   678,803 13,786 SH   SOLE   0 0 13,786
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   311,280 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   668,010 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   389,952 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   2,763,700 145,000 SH   SOLE   0 0 145,000
SONY GROUP CORP - SP ADR ADR 835699307   342,960 4,000 SH   DFND   4,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,704,831 57,267 SH   SOLE   0 0 57,267
SPDR S&P 500 ETF TRUST COM 78462F103   1,022,079 1,954 SH   SOLE   0 0 1,954
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   767,832 1,380 SH   SOLE   0 0 1,380
SPDR S&P OIL & GAS EXP & PR COM 78468R556   432,100 2,789 SH   SOLE   0 0 2,789
STELLAR BANCORP INC COM 858927106   967,652 39,723 SH   SOLE   0 0 39,723
STRYKER CORP COM 863667101   4,935,206 13,791 SH   SOLE   0 0 13,791
SUMMIT MATERIALS INC -CL A COM 86614U100   386,868 8,680 SH   DFND   8,680 0 0
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100   272,100 2,000 SH   DFND   2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   373,918 5,500 SH   DFND   5,500 0 0
TECNOGLASS INC COM G87264100   1,021,557 19,634 SH   DFND   19,634 0 0
TELLURIAN INC COM 87968A104   6,614 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   200,576 1,141 SH   SOLE   0 0 1,141
TEXAS CAPITAL BANCSHARES INC COM 88224Q107   246,200 4,000 SH   DFND   4,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   784,634 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   2,256,894 49,127 SH   SOLE   0 0 49,127
UNILEVER PLC-SPONSORED ADR ADR 904767704   351,330 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   3,576,715 15,668 SH   SOLE   0 0 15,668
VANECK MORNINGSTAR WIDE MOAT COM 92189F643   1,751,162 19,479 SH   SOLE   0 0 19,479
VANECK MSTAR INT MOAT ETF COM 92189F593   1,092,388 35,105 SH   SOLE   0 0 35,105
VANGUARD ENERGY ETF COM 92204A306   1,914,566 14,537 SH   SOLE   0 0 14,537
VANGUARD FTSE DEVELOPED ETF COM 921943858   10,108,609 201,487 SH   SOLE   0 0 201,487
VANGUARD FTSE EMERGING MARKE COM 922042858   1,114,345 26,678 SH   SOLE   0 0 26,678
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,294,627 10,700 SH   SOLE   0 0 10,700
VANGUARD INFO TECH ETF COM 92204A702   11,800,316 22,505 SH   SOLE   0 0 22,505
VANGUARD S/T CORP BOND ETF COM 92206C409   4,903,845 63,431 SH   SOLE   0 0 63,431
VANGUARD TOTAL STOCK MKT ETF COM 922908769   1,381,768 5,317 SH   SOLE   0 0 5,317
VERITEX HOLDINGS INC COM 923451108   241,659 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   620,169 14,780 SH   SOLE   0 0 14,780
VISA INC-CLASS A SHARES COM 92826C839   447,365 1,603 SH   SOLE   0 0 1,603
VISA INC-CLASS A SHARES COM 92826C839   468,854 1,680 SH   SOLE   0 0 1,680
VOYA FINANCIAL INC COM 929089100   3,136,684 42,434 SH   SOLE   0 0 42,434
WALMART DE MEXICO SAB DE CV COM P98180188   40,465 10,016 SH   SOLE   0 0 10,016
WALT DISNEY CO/THE COM 254687106   576,875 4,715 SH   SOLE   0 0 4,715
WASTE MANAGEMENT INC COM 94106L109   1,247,538 5,853 SH   SOLE   0 0 5,853
WESTERN ASSET GL CORP DEF OP COM 95790C107   3,718,382 297,947 SH   SOLE   0 0 297,947
WESTERN ASSET HI INC OPPORT COM 95766K109   3,906,226 1,001,596 SH   SOLE   0 0 1,001,596
WILLIAMS COS INC COM 969457100   1,562,268 40,089 SH   SOLE   0 0 40,089