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   1,187,141 11,617 SH   SOLE   0 0 11,617
ADAMS DIVERSIFIED EQUITY COM 006212104   4,903,873 228,193 SH   SOLE   0 0 228,193
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,521,906 106,815 SH   SOLE   0 0 106,815
ADOBE INC COM 00724F101   277,770 500 SH   DFND   500 0 0
ADVENT CONVERT & INCOME COM 00764C109   1,592,733 133,619 SH   SOLE   0 0 133,619
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,271,670 4,928 SH   SOLE   0 0 4,928
ALLSTATE CORP COM 020002101   3,447,306 21,592 SH   SOLE   0 0 21,592
ALPHABET INC-CL A COM 02079K305   1,878,782 10,314 SH   SOLE   0 0 10,314
ALPHABET INC-CL C COM 02079K107   2,944,734 16,055 SH   SOLE   0 0 16,055
AMAZON.COM INC COM 023135106   1,478,942 7,653 SH   SOLE   0 0 7,653
AMAZON.COM INC COM 023135106   289,875 1,500 SH   DFND   1,500 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101   170,000 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   494,517 16,219 SH   SOLE   0 0 16,219
AMGEN INC COM 031162100   5,614,307 17,969 SH   SOLE   0 0 17,969
ANDRADA MINING LTD COM G012B4107   649 13,329 SH   SOLE   0 0 13,329
APPLE INC COM 037833100   3,063,528 14,545 SH   SOLE   0 0 14,545
APPLE INC COM 037833100   947,790 4,500 SH   DFND   4,500 0 0
ARKEMA-SPONSORED ADR ADR 041232109   272,873 3,130 SH   DFND   3,130 0 0
ARTESIAN RESOURCES CORP-CL A COM 043113208   2,670,200 75,944 SH   SOLE   0 0 75,944
ASTRAZENECA PLC-SPONS ADR ADR 046353108   584,925 7,500 SH   DFND   7,500 0 0
AT&T INC COM 00206R102   922,892 48,294 SH   SOLE   0 0 48,294
AUTOMATIC DATA PROCESSING COM 053015103   374,743 1,570 SH   SOLE   0 0 1,570
AUTOZONE INC COM 053332102   423,866 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   723,866 18,201 SH   SOLE   0 0 18,201
BHP GROUP LTD-SPON ADR ADR 088606108   792,695 13,885 SH   SOLE   0 0 13,885
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   126,187 27,432 SH   DFND   27,432 0 0
BROADCOM INC COM 11135F101   1,652,090 1,029 SH   SOLE   0 0 1,029
CATERPILLAR INC COM 149123101   399,720 1,200 SH   DFND   1,200 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   191,700 30,000 SH   DFND   30,000 0 0
CHEVRON CORP COM 166764100   220,144 1,407 SH   SOLE   0 0 1,407
CHEVRON CORP COM 166764100   547,470 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   769,139 16,189 SH   SOLE   0 0 16,189
COCA-COLA CO/THE COM 191216100   255,966 4,021 SH   SOLE   0 0 4,021
COGNITION THERAPEUTICS INC COM 19243B102   85,442 51,471 SH   SOLE   0 0 51,471
CONSUMER DISCRETIONARY SELT COM 81369Y407   3,553,335 19,481 SH   SOLE   0 0 19,481
CONSUMER STAPLES SPDR COM 81369Y308   4,677,138 61,075 SH   SOLE   0 0 61,075
COPA HOLDINGS SA-CLASS A COM P31076105   285,540 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   709,955 26,620 SH   SOLE   0 0 26,620
CSX CORP COM 126408103   3,944,783 117,931 SH   SOLE   0 0 117,931
CVS HEALTH CORP COM 126650100   1,374,454 23,272 SH   SOLE   0 0 23,272
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   148,280 44,000 SH   DFND   44,000 0 0
DEVON ENERGY CORP COM 25179M103   483,389 10,198 SH   SOLE   0 0 10,198
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   353,024 2,800 SH   DFND   2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500   1,227,070 20,424 SH   SOLE   0 0 20,424
DNAPRINT GENOMICS COM 23324Q202   118 1,175,300 SH   SOLE   0 0 1,175,300
DR HORTON INC COM 23331A109   563,720 4,000 SH   DFND   4,000 0 0
DUKE ENERGY CORP COM 26441C204   280,043 2,794 SH   SOLE   0 0 2,794
ELECTRONIC ARTS INC COM 285512109   222,928 1,600 SH   DFND   1,600 0 0
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,292,194 14,177 SH   SOLE   0 0 14,177
ENTEGRIS INC COM 29362U104   2,013,324 14,869 SH   SOLE   0 0 14,869
EVEREST GROUP LTD COM G3223R108   3,910,586 10,263 SH   SOLE   0 0 10,263
EXXON MOBIL CORP COM 30231G102   288,368 2,505 SH   SOLE   0 0 2,505
FIRST SEISMIC CORP COM 336397104   0 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   359,600 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   144,200 20,000 SH   SOLE   0 0 20,000
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   4,308,044 40,281 SH   SOLE   0 0 40,281
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   7,359,148 218,697 SH   SOLE   0 0 218,697
GROUP 1 AUTOMOTIVE INC COM 398905109   832,384 2,800 SH   DFND   2,800 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   539,136 1,800 SH   DFND   1,800 0 0
HA SUSTAINABLE INFRASTRUCTUR COM 41068X100   449,920 15,200 SH   DFND   15,200 0 0
HDFC BANK LTD-ADR ADR 40415F101   514,640 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   3,778,353 55,070 SH   SOLE   0 0 55,070
INTEL CORP COM 458140100   342,869 11,071 SH   SOLE   0 0 11,071
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   646,613 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   2,562,254 14,815 SH   SOLE   0 0 14,815
INVESCO BULLETSHARE 2028 HYC COM 46138J452   1,204,688 56,110 SH   SOLE   0 0 56,110
INVESCO BULLETSHARES 2024 CO COM 46138J841   5,121,614 243,192 SH   SOLE   0 0 243,192
INVESCO BULLETSHARES 2024 HI COM 46138J833   2,131,038 93,796 SH   SOLE   0 0 93,796
INVESCO BULLETSHARES 2025 CO COM 46138J825   6,449,561 315,382 SH   SOLE   0 0 315,382
INVESCO BULLETSHARES 2025 HI COM 46138J817   1,117,419 48,774 SH   SOLE   0 0 48,774
INVESCO BULLETSHARES 2026 CO COM 46138J791   6,042,787 315,139 SH   SOLE   0 0 315,139
INVESCO BULLETSHARES 2026 HI COM 46138J635   1,085,181 47,049 SH   SOLE   0 0 47,049
INVESCO BULLETSHARES 2027 CO COM 46138J783   4,942,421 257,150 SH   SOLE   0 0 257,150
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   5,490,180 33,420 SH   SOLE   0 0 33,420
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   4,062,158 135,270 SH   SOLE   0 0 135,270
INVESCO S&P 500 EQUAL WEIGHT COM 46137V282   844,280 23,030 SH   SOLE   0 0 23,030
INVESCO S&P GLOBAL WATER IND COM 46138E263   3,195,533 57,796 SH   SOLE   0 0 57,796
INVESCO VARIABLE RATE PREFER COM 46138G870   3,005,125 125,423 SH   SOLE   0 0 125,423
ISHARES CALIFORNIA MUNI BOND COM 464288356   254,822 4,480 SH   SOLE   0 0 4,480
ISHARES CORE GROWTH ALLOCATI COM 464289867   201,964 3,586 SH   SOLE   0 0 3,586
ISHARES CORE S&P MIDCAP ETF COM 464287507   5,293,499 90,456 SH   SOLE   0 0 90,456
ISHARES CORE S&P SMALL-CAP E COM 464287804   203,721 1,910 SH   SOLE   0 0 1,910
ISHARES FLOATING RATE BOND E COM 46429B655   5,778,685 113,108 SH   SOLE   0 0 113,108
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,876,699 52,528 SH   SOLE   0 0 52,528
ISHARES GLOBAL TECH ETF COM 464287291   3,767,099 45,485 SH   SOLE   0 0 45,485
ISHARES GOLD TRUST COM 464285204   225,361 5,130 SH   SOLE   0 0 5,130
ISHARES GSCI COMMODITY DYNAM COM 46431W853   260,237 9,529 SH   SOLE   0 0 9,529
ISHARES MSCI EAFE ETF COM 464287465   818,475 10,449 SH   SOLE   0 0 10,449
ISHARES MSCI EAFE SMALL-CAP COM 464288273   4,120,578 66,849 SH   SOLE   0 0 66,849
ISHARES MSCI USA MIN VOL FAC COM 46429B697   335,554 3,997 SH   SOLE   0 0 3,997
ISHARES RUSSELL 1000 ETF COM 464287622   5,138,778 17,271 SH   SOLE   0 0 17,271
ISHARES RUSSELL 1000 GROWTH COM 464287614   395,493 1,085 SH   SOLE   0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655   1,641,167 8,089 SH   SOLE   0 0 8,089
ISHARES RUSSELL MID-CAP ETF COM 464287499   2,672,571 32,962 SH   SOLE   0 0 32,962
ISHARES SHORT-TERM NATIONAL COM 464288158   385,790 3,690 SH   SOLE   0 0 3,690
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   205,010 6,500 SH   DFND   6,500 0 0
JAMES HARDIE IND PLC-SP ADR ADR 47030M106   788,500 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPP COM 409735206   2,607,422 93,089 SH   SOLE   0 0 93,089
JOHN HANCOCK MULTI FACT LRG COM 47804J107   2,264,647 34,835 SH   SOLE   0 0 34,835
JOHNSON & JOHNSON COM 478160104   2,926,433 20,022 SH   SOLE   0 0 20,022
JPMORGAN CHASE & CO COM 46625H100   424,746 2,100 SH   DFND   2,100 0 0
JPMORGAN CHASE & CO COM 46625H100   477,334 2,360 SH   SOLE   0 0 2,360
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   1,664,075 32,972 SH   SOLE   0 0 32,972
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   204,085 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   479,584 3,200 SH   DFND   3,200 0 0
LENNOX INTERNATIONAL INC COM 526107107   909,466 1,700 SH   DFND   1,700 0 0
LOCKHEED MARTIN CORP COM 539830109   2,295,797 4,915 SH   SOLE   0 0 4,915
LOWE'S COS INC COM 548661107   3,640,236 16,512 SH   SOLE   0 0 16,512
LOWE'S COS INC COM 548661107   573,196 2,600 SH   DFND   2,600 0 0
LYNAS RARE EARTHS LTD-SP ADR ADR 551073307   42,900 11,000 SH   DFND   11,000 0 0
MAINSTAY CBRE GLOBAL INFRAST COM 56064Q107   1,277,221 99,705 SH   SOLE   0 0 99,705
MERCK & CO. INC. COM 58933Y105   671,120 5,421 SH   SOLE   0 0 5,421
META PLATFORMS INC-CLASS A COM 30303M102   479,009 950 SH   SOLE   0 0 950
METLIFE INC COM 59156R108   2,444,176 34,822 SH   SOLE   0 0 34,822
MICROSOFT CORP COM 594918104   2,178,511 4,874 SH   SOLE   0 0 4,874
MICROSOFT CORP COM 594918104   670,425 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   770,280 14,000 SH   DFND   14,000 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   84,960 18,000 SH   DFND   18,000 0 0
NATIONAL WESTERN LIFE GROU-A COM 638517102   5,243,158 10,551 SH   SOLE   0 0 10,551
NESTLE SA-SPONS ADR ADR 641069406   281,738 2,750 SH   DFND   2,750 0 0
NETAPP INC COM 64110D104   1,030,400 8,000 SH   DFND   8,000 0 0
NICE LTD - SPON ADR ADR 653656108   464,319 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   237,300 21,000 SH   DFND   21,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   515,256 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   2,519,695 23,668 SH   SOLE   0 0 23,668
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   570,960 4,000 SH   DFND   4,000 0 0
NUVEEN PREFERED & INCOME OPP COM 67073B106   1,560,814 208,944 SH   SOLE   0 0 208,944
NVIDIA CORP COM 67066G104   1,569,205 12,702 SH   SOLE   0 0 12,702
NVR INC COM 62944T105   379,428 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   3,174,724 11,798 SH   SOLE   0 0 11,798
OLD REPUBLIC INTL CORP COM 680223104   2,822,739 91,351 SH   SOLE   0 0 91,351
ORACLE CORP COM 68389X105   896,055 6,346 SH   SOLE   0 0 6,346
OSISKO GOLD ROYALTIES LTD COM 68827L101   676,219 43,403 SH   SOLE   0 0 43,403
PEARSON PLC-SPONSORED ADR ADR 705015105   199,680 16,000 SH   DFND   16,000 0 0
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,166,960 11,594 SH   SOLE   0 0 11,594
PLEXUS CORP COM 729132100   1,610,537 15,609 SH   SOLE   0 0 15,609
PROCTER & GAMBLE CO/THE COM 742718109   511,252 3,100 SH   DFND   3,100 0 0
PROCTER & GAMBLE CO/THE COM 742718109   243,752 1,478 SH   SOLE   0 0 1,478
QUALCOMM INC COM 747525103   1,260,392 6,328 SH   SOLE   0 0 6,328
RGC RESOURCES INC COM 74955L103   893,992 43,716 SH   SOLE   0 0 43,716
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   416,040 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   2,727,605 296,801 SH   SOLE   0 0 296,801
ROYCE SMALL-CAP TRUST INC COM 780910105   197,702 13,663 SH   SOLE   0 0 13,663
SCHWAB 5-10 YEAR CORPORATE B COM 808524698   281,270 6,378 SH   SOLE   0 0 6,378
SCHWAB FNDMNTL US LRG CO ETF COM 808524771   3,121,370 46,602 SH   SOLE   0 0 46,602
SCHWAB INTL EQUITY ETF COM 808524805   627,925 16,344 SH   SOLE   0 0 16,344
SCHWAB US MID CAP ETF COM 808524508   685,772 8,811 SH   SOLE   0 0 8,811
SCHWAB US SMALL-CAP ETF COM 808524607   705,136 14,861 SH   SOLE   0 0 14,861
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   373,920 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   652,750 7,000 SH   DFND   7,000 0 0
SKYWORKS SOLUTIONS INC COM 83088M102   383,688 3,600 SH   DFND   3,600 0 0
SONOS INC COM 83570H108   2,125,440 144,000 SH   SOLE   0 0 144,000
SONY GROUP CORP - SP ADR ADR 835699307   339,800 4,000 SH   DFND   4,000 0 0
SPDR PORT SHRT TRM CORP BND COM 78464A474   1,708,135 57,513 SH   SOLE   0 0 57,513
SPDR S&P 500 ETF TRUST COM 78462F103   1,031,841 1,896 SH   SOLE   0 0 1,896
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   738,410 1,380 SH   SOLE   0 0 1,380
SPDR S&P OIL & GAS EXP & PR COM 78468R556   420,878 2,893 SH   SOLE   0 0 2,893
STELLAR BANCORP INC COM 858927106   935,000 40,723 SH   SOLE   0 0 40,723
STRYKER CORP COM 863667101   4,715,355 13,859 SH   SOLE   0 0 13,859
SUMMIT MATERIALS INC -CL A COM 86614U100   317,775 8,680 SH   DFND   8,680 0 0
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100   347,620 2,000 SH   DFND   2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   314,380 5,500 SH   DFND   5,500 0 0
TECNOGLASS INC COM G87264100   985,234 19,634 SH   DFND   19,634 0 0
TELLURIAN INC COM 87968A104   17,617 25,436 SH   SOLE   0 0 25,436
TESLA INC COM 88160R101   238,445 1,205 SH   SOLE   0 0 1,205
THERMO FISHER SCIENTIFIC INC COM 883556102   746,550 1,350 SH   DFND   1,350 0 0
ULTRA CLEAN HOLDINGS INC COM 90385V107   2,435,839 49,711 SH   SOLE   0 0 49,711
UNILEVER PLC-SPONSORED ADR ADR 904767704   384,930 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   4,368,523 15,917 SH   SOLE   0 0 15,917
VANECK MORNINGSTAR WIDE MOAT COM 92189F643   1,765,631 20,386 SH   SOLE   0 0 20,386
VANECK MSTAR INT MOAT ETF COM 92189F593   1,178,089 37,579 SH   SOLE   0 0 37,579
VANGUARD ENERGY ETF COM 92204A306   1,889,481 14,811 SH   SOLE   0 0 14,811
VANGUARD FTSE DEVELOPED ETF COM 921943858   10,118,014 204,735 SH   SOLE   0 0 204,735
VANGUARD FTSE EMERGING MARKE COM 922042858   1,165,587 26,636 SH   SOLE   0 0 26,636
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,287,310 10,854 SH   SOLE   0 0 10,854
VANGUARD INFO TECH ETF COM 92204A702   12,973,900 22,501 SH   SOLE   0 0 22,501
VANGUARD MORTGAGE-BACKED SEC COM 92206C771   269,267 5,931 SH   SOLE   0 0 5,931
VANGUARD S/T CORP BOND ETF COM 92206C409   5,002,937 64,742 SH   SOLE   0 0 64,742
VANGUARD TOTAL STOCK MKT ETF COM 922908769   1,422,226 5,317 SH   SOLE   0 0 5,317
VERITEX HOLDINGS INC COM 923451108   248,735 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   616,126 14,940 SH   SOLE   0 0 14,940
VISA INC-CLASS A SHARES COM 92826C839   408,141 1,555 SH   SOLE   0 0 1,555
VISA INC-CLASS A SHARES COM 92826C839   440,950 1,680 SH   SOLE   0 0 1,680
VOYA FINANCIAL INC COM 929089100   3,045,540 42,805 SH   SOLE   0 0 42,805
WALMART DE MEXICO SAB DE CV COM P98180188   34,147 10,016 SH   SOLE   0 0 10,016
WALT DISNEY CO/THE COM 254687106   467,613 4,710 SH   SOLE   0 0 4,710
WASTE MANAGEMENT INC COM 94106L109   1,282,391 6,011 SH   SOLE   0 0 6,011
WESTERN ASSET GL CORP DEF OP COM 95790C107   3,706,235 303,541 SH   SOLE   0 0 303,541
WESTERN ASSET HI INC OPPORT COM 95766K109   3,882,663 1,019,072 SH   SOLE   0 0 1,019,072
WILLIAMS COS INC COM 969457100   1,703,783 40,089 SH   SOLE   0 0 40,089