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   1,134,543 7,311 SH   SOLE   0 0 7,311
ADAMS DIVERSIFIED EQUITY COM 006212104   4,317,071 193,591 SH   SOLE   0 0 193,591
ADAMS NATURAL RESOURCES FUND COM 00548F105   2,731,432 126,925 SH   SOLE   0 0 126,925
ADVENT CONVERT & INCOME COM 00764C109   2,790,594 218,186 SH   SOLE   0 0 218,186
AIR PRODUCTS & CHEMICALS INC COM 009158106   1,456,882 5,342 SH   SOLE   0 0 5,342
ALLSTATE CORP COM 020002101   4,171,664 19,435 SH   SOLE   0 0 19,435
ALPHABET INC-CL C COM 02079K107   5,043,866 20,710 SH   SOLE   0 0 20,710
AMAZON.COM INC COM 023135106   1,652,775 7,527 SH   SOLE   0 0 7,527
AMAZON.COM INC COM 023135106   329,355 1,500 SH   DFND   1,500 0 0
AMERICA MOVIL SAB DE CV ADR 02390A101   210,000 10,000 SH   DFND   10,000 0 0
AMERICAN BUSINESS BANK COM 02475L105   676,955 12,369 SH   SOLE   0 0 12,369
AMGEN INC COM 031162100   5,281,489 18,715 SH   SOLE   0 0 18,715
ANGLOGOLD ASHANTI PLC COM G0378L100   210,990 3,000 SH   DFND   3,000 0 0
APPLE INC COM 037833100   4,051,897 15,913 SH   SOLE   0 0 15,913
APPLE INC COM 037833100   1,145,835 4,500 SH   DFND   4,500 0 0
APPLIED INDUSTRIAL TECH INC COM 03820C105   648,187 2,483 SH   SOLE   0 0 2,483
ARTESIAN RESOURCES CORP-CL A COM 043113208   2,645,974 81,177 SH   SOLE   0 0 81,177
ASTRAZENECA PLC-SPONS ADR ADR 046353108   575,400 7,500 SH   DFND   7,500 0 0
AT&T INC COM 00206R102   1,427,144 50,536 SH   SOLE   0 0 50,536
AUTOMATIC DATA PROCESSING COM 053015103   389,181 1,326 SH   SOLE   0 0 1,326
AUTOZONE INC COM 053332102   613,504 143 SH   SOLE   0 0 143
BANK OF AMERICA CORP COM 060505104   842,377 16,328 SH   SOLE   0 0 16,328
BRASILAGRO-CIA BRA - SPN ADR ADR 10554B104   106,436 27,432 SH   DFND   27,432 0 0
BROADCOM INC COM 11135F101   3,630,017 11,003 SH   SOLE   0 0 11,003
CATERPILLAR INC COM 149123101   307,762 645 SH   SOLE   0 0 645
CATERPILLAR INC COM 149123101   381,720 800 SH   DFND   800 0 0
CEMEX SAB-SPONS ADR PART CER ADR 151290889   269,700 30,000 SH   DFND   30,000 0 0
CHEVRON CORP COM 166764100   543,515 3,500 SH   DFND   3,500 0 0
CISCO SYSTEMS INC COM 17275R102   1,109,682 16,219 SH   SOLE   0 0 16,219
CLEARWATER ANALYTICS HDS-A COM 185123106   278,247 15,441 SH   SOLE   0 0 15,441
COCA-COLA CO/THE COM 191216100   334,144 5,038 SH   SOLE   0 0 5,038
COGNITION THERAPEUTICS INC COM 19243B102   70,924 52,536 SH   SOLE   0 0 52,536
CONSUMER DISCRETIONARY SELT COM 81369Y407   5,281,850 22,041 SH   SOLE   0 0 22,041
CONSUMER STAPLES SPDR COM 81369Y308   4,918,081 62,755 SH   SOLE   0 0 62,755
COPA HOLDINGS SA-CLASS A COM P31076105   356,460 3,000 SH   DFND   3,000 0 0
COTERRA ENERGY INC COM 127097103   540,639 22,860 SH   SOLE   0 0 22,860
CRH PLC COM G25508105   299,750 2,500 SH   DFND   2,500 0 0
CROWDSTRIKE HOLDINGS INC - A COM 22788C105   245,190 500 SH   DFND   500 0 0
CSX CORP COM 126408103   4,397,187 123,830 SH   SOLE   0 0 123,830
CYRELA BRAZIL REALTY-SPO ADR ADR 23282C401   248,160 44,000 SH   DFND   44,000 0 0
DIAGEO PLC-SPONSORED ADR ADR 25243Q205   267,204 2,800 SH   DFND   2,800 0 0
DIMENSIONAL US SMALL CAP ETF COM 25434V500   1,765,740 25,792 SH   SOLE   0 0 25,792
DNAPRINT GENOMICS COM 23324Q202   118 1,175,300 SH   SOLE   0 0 1,175,300
DR HORTON INC COM 23331A109   677,880 4,000 SH   DFND   4,000 0 0
DUKE ENERGY CORP COM 26441C204   1,271,036 10,271 SH   SOLE   0 0 10,271
ENERGY SELECT SECTOR SPDR COM 81369Y506   1,378,027 15,425 SH   SOLE   0 0 15,425
ENTEGRIS INC COM 29362U104   1,458,973 15,780 SH   SOLE   0 0 15,780
EVEREST GROUP LTD COM G3223R108   3,094,324 8,835 SH   SOLE   0 0 8,835
EXXON MOBIL CORP COM 30231G102   295,384 2,620 SH   SOLE   0 0 2,620
FIRST COMMONWEALTH MTG TRUST COM 31983K101   1,417,128 224,941 SH   SOLE   0 0 224,941
FIRST SEISMIC CORP COM 336397104   0 44,451 SH   SOLE   0 0 44,451
GJENSIDIGE FORSIKRING-UN ADR ADR 37636X101   570,200 20,000 SH   DFND   20,000 0 0
GLASS HOUSE BRANDS INC COM 377130406   150,800 20,000 SH   SOLE   0 0 20,000
GOLD FIELDS LTD-SPONS ADR ADR 38059T106   344,072 8,200 SH   DFND   8,200 0 0
GOLDMAN SACHS ACTIVEBETA INT COM 381430107   9,918,978 241,279 SH   SOLE   0 0 241,279
GOLDMAN ACTIVEBETA US LC ETF COM 381430503   5,516,578 42,344 SH   SOLE   0 0 42,344
ALPHABET INC-CL A COM 02079K305   2,364,049 9,725 SH   SOLE   0 0 9,725
GROUP 1 AUTOMOTIVE INC COM 398905109   730,642 1,670 SH   DFND   1,670 0 0
GRUPO AEROPORTUARIO SUR-ADR ADR 40051E202   581,994 1,800 SH   DFND   1,800 0 0
HA SUSTAINABLE INFRASTRUCTUR COM 41068X100   466,640 15,200 SH   DFND   15,200 0 0
HARLEYSVILLE FINANCIAL CORP COM 41284E100   210,976 8,675 SH   DFND   8,675 0 0
HDFC BANK LTD-ADR ADR 40415F101   546,560 16,000 SH   DFND   16,000 0 0
HEMPFUSION WELLNESS INC COM 423821107   0 22,222 SH   SOLE   0 0 22,222
HOLLY MORTGAGE TRUST COM 436006100   26,708 381,541 SH   SOLE   0 0 381,541
INGLES MARKETS INC-CLASS A COM 457030104   4,162,563 59,841 SH   SOLE   0 0 59,841
INTEL CORP COM 458140100   334,494 9,970 SH   SOLE   0 0 9,970
INTERCONTINENTAL HOTELS-ADR ADR 45857P806   740,050 6,103 SH   DFND   6,103 0 0
INTL BUSINESS MACHINES CORP COM 459200101   4,299,597 15,238 SH   SOLE   0 0 15,238
INVESCO BULLETSHARES 2025 CB COM 46138J825   247,701 11,972 SH   SOLE   0 0 11,972
INVESCO BULLETSHARES 2025 HY COM 46138J817   739,427 32,065 SH   SOLE   0 0 32,065
INVESCO BULLETSHARES 2026 CB COM 46138J791   7,563,716 386,693 SH   SOLE   0 0 386,693
INVESCO BULLETSHARES 2027 CB COM 46138J783   5,836,148 296,101 SH   SOLE   0 0 296,101
INVESCO BULLETSHARES 2028 CB COM 46138J643   1,598,963 77,733 SH   SOLE   0 0 77,733
INVESCO BULLETSHARES 2028 HY COM 46138J452   1,122,906 50,856 SH   SOLE   0 0 50,856
INVESCO BULLETSHARES 2029 CB COM 46138J577   1,508,411 80,192 SH   SOLE   0 0 80,192
INVESCO BULLETSHARES 2029 HY COM 46138J395   266,423 12,352 SH   SOLE   0 0 12,352
INVESCO BULLETSHARES 2031 CB COM 46138J429   774,429 46,429 SH   SOLE   0 0 46,429
INVESCO BULLETSHARES 2032 CB COM 46139W858   681,648 32,646 SH   SOLE   0 0 32,646
INVESCO S&P 500 EQUAL WEIGHT COM 46137V357   6,637,641 34,990 SH   SOLE   0 0 34,990
INVESCO S&P 500 EQUAL WEIGHT COM 46137V282   1,131,128 25,373 SH   SOLE   0 0 25,373
INVESCO S&P 500 EQUAL WEIGHT COM 46137V332   4,271,972 145,355 SH   SOLE   0 0 145,355
INVESCO S&P GLOBAL WATER IND COM 46138E263   3,692,387 57,478 SH   SOLE   0 0 57,478
INVESCO VARIABLE RATE PREFER COM 46138G870   4,867,569 197,068 SH   SOLE   0 0 197,068
ISHARES 7-10 YEAR TREASURY B COM 464287440   3,129,778 32,446 SH   SOLE   0 0 32,446
ISHARES CALIFORNIA MUNI BOND COM 464288356   207,397 3,636 SH   SOLE   0 0 3,636
ISHARES CORE 80/20 AGGRESSIV COM 464289859   323,474 3,670 SH   SOLE   0 0 3,670
ISHARES CORE 60/40 BALANCED COM 464289867   220,823 3,430 SH   SOLE   0 0 3,430
ISHARES CORE S&P MIDCAP ETF COM 464287507   5,968,383 91,455 SH   SOLE   0 0 91,455
ISHARES CORE S&P SMALL-CAP E COM 464287804   227,678 1,916 SH   SOLE   0 0 1,916
ISHARES FLOATING RATE BOND E COM 46429B655   6,184,826 121,069 SH   SOLE   0 0 121,069
ISHARES GLOBAL HEALTHCARE ET COM 464287325   4,882,531 55,095 SH   SOLE   0 0 55,095
ISHARES GLOBAL TECH ETF COM 464287291   4,568,086 44,260 SH   SOLE   0 0 44,260
ISHARES GSCI COMMODITY DYNAM COM 46431W853   320,374 11,932 SH   SOLE   0 0 11,932
ISHARES IBONDS DEC 2028 TERM COM 46436E833   4,670,617 208,649 SH   SOLE   0 0 208,649
ISHARES MSCI EAFE ETF COM 464287465   779,493 8,348 SH   SOLE   0 0 8,348
ISHARES MSCI EAFE SMALL-CAP COM 464288273   5,309,742 69,209 SH   SOLE   0 0 69,209
ISHARES MSCI USA MIN VOL FAC COM 46429B697   309,947 3,258 SH   SOLE   0 0 3,258
ISHARES RUSSELL 1000 ETF COM 464287622   6,464,167 17,687 SH   SOLE   0 0 17,687
ISHARES RUSSELL 1000 GROWTH COM 464287614   508,225 1,085 SH   SOLE   0 0 1,085
ISHARES RUSSELL 2000 ETF COM 464287655   2,119,885 8,761 SH   SOLE   0 0 8,761
ISHARES RUSSELL MID-CAP ETF COM 464287499   3,437,392 35,602 SH   SOLE   0 0 35,602
ISHARES PREFERRED & INCOME S COM 464288687   641,638 20,292 SH   SOLE   0 0 20,292
JAMES HARDIE IND PLC COM G4253H101   480,250 25,000 SH   DFND   25,000 0 0
JOHN HANCOCK FINANCIAL OPP COM 409735206   3,363,244 93,475 SH   SOLE   0 0 93,475
JOHN HANCOCK MULTI FACT LRG COM 47804J107   3,034,662 38,722 SH   SOLE   0 0 38,722
JOHNSON & JOHNSON COM 478160104   3,696,484 19,936 SH   SOLE   0 0 19,936
JPMORGAN CHASE & CO COM 46625H100   662,403 2,100 SH   DFND   2,100 0 0
JPMORGAN CHASE & CO COM 46625H100   719,496 2,281 SH   SOLE   0 0 2,281
JPMORGAN ULTRA-SHORT INCOME COM 46641Q837   1,841,857 36,307 SH   SOLE   0 0 36,307
KAJIMA CORP-UNSPONSORED ADR ADR 483111209   347,770 11,900 SH   DFND   11,900 0 0
LENNAR CORP-A COM 526057104   403,328 3,200 SH   DFND   3,200 0 0
LENNOX INTERNATIONAL INC COM 526107107   899,912 1,700 SH   DFND   1,700 0 0
LOCKHEED MARTIN CORP COM 539830109   2,530,031 5,068 SH   SOLE   0 0 5,068
LOWE'S COS INC COM 548661107   4,005,379 15,938 SH   SOLE   0 0 15,938
LOWE'S COS INC COM 548661107   653,406 2,600 SH   DFND   2,600 0 0
LYNAS RARE EARTHS LTD-SP ADR ADR 551073307   554,772 49,800 SH   DFND   49,800 0 0
NYLI CBRE GBL INFR MGA TRM F COM 56064Q107   1,639,631 111,692 SH   SOLE   0 0 111,692
MARRIOTT INTERNATIONAL -CL A COM 571903202   252,627 970 SH   SOLE   0 0 970
MERCK & CO. INC. COM 58933Y105   431,904 5,146 SH   SOLE   0 0 5,146
META PLATFORMS INC-CLASS A COM 30303M102   1,211,236 1,649 SH   SOLE   0 0 1,649
METLIFE INC COM 59156R108   2,483,298 30,148 SH   SOLE   0 0 30,148
MICROSOFT CORP COM 594918104   3,519,390 6,795 SH   SOLE   0 0 6,795
MICROSOFT CORP COM 594918104   776,925 1,500 SH   DFND   1,500 0 0
MILLER INDUSTRIES INC/TENN COM 600551204   533,544 13,200 SH   DFND   13,200 0 0
MTN GROUP LTD-SPONS ADR ADR 62474M108   150,300 18,000 SH   DFND   18,000 0 0
NESTLE SA-SPONS ADR ADR 641069406   252,368 2,750 SH   DFND   2,750 0 0
NETAPP INC COM 64110D104   829,220 7,000 SH   DFND   7,000 0 0
NETFLIX INC COM 64110L106   330,902 276 SH   SOLE   0 0 276
NICE LTD - SPON ADR ADR 653656108   390,906 2,700 SH   DFND   2,700 0 0
NIDEC CORPORATION-SPON ADR ADR 654090109   217,500 50,000 SH   DFND   50,000 0 0
NORFOLK SOUTHERN CORP COM 655844108   720,984 2,400 SH   DFND   2,400 0 0
NOVARTIS AG-SPONSORED ADR ADR 66987V109   3,133,160 24,432 SH   SOLE   0 0 24,432
NOVO-NORDISK A/S-SPONS ADR ADR 670100205   221,960 4,000 SH   DFND   4,000 0 0
NUVEEN PREFERED & INCOME OPP COM 67073B106   3,883,202 473,561 SH   SOLE   0 0 473,561
NVIDIA CORP COM 67066G104   2,349,415 12,592 SH   SOLE   0 0 12,592
NVR INC COM 62944T105   401,733 50 SH   DFND   50 0 0
NXP SEMICONDUCTORS NV COM N6596X109   2,757,355 12,108 SH   SOLE   0 0 12,108
OLD REPUBLIC INTL CORP COM 680223104   3,788,842 89,212 SH   SOLE   0 0 89,212
ORACLE CORP COM 68389X105   1,722,876 6,126 SH   SOLE   0 0 6,126
OR ROYALTIES INC COM 68390D106   1,756,626 43,828 SH   SOLE   0 0 43,828
PALANTIR TECHNOLOGIES INC-A COM 69608A108   217,992 1,195 SH   SOLE   0 0 1,195
PEARSON PLC-SPONSORED ADR ADR 705015105   283,200 20,000 SH   DFND   20,000 0 0
PHILIP MORRIS INTERNATIONAL COM 718172109   279,803 1,725 SH   SOLE   0 0 1,725
PIMCO ENHANCED SHORT MATURIT COM 72201R833   1,395,932 13,864 SH   SOLE   0 0 13,864
PLEXUS CORP COM 729132100   2,274,961 15,723 SH   SOLE   0 0 15,723
PROCTER & GAMBLE CO/THE COM 742718109   476,315 3,100 SH   DFND   3,100 0 0
PROCTER & GAMBLE CO/THE COM 742718109   214,342 1,395 SH   SOLE   0 0 1,395
QUALCOMM INC COM 747525103   1,123,806 6,755 SH   SOLE   0 0 6,755
REPUBLIC SERVICES INC COM 760759100   229,480 1,000 SH   DFND   1,000 0 0
RGC RESOURCES INC COM 74955L103   983,310 43,820 SH   SOLE   0 0 43,820
RIO TINTO PLC-SPON ADR ADR 767204100   1,139,582 17,264 SH   SOLE   0 0 17,264
ROCHE HOLDINGS LTD-SPONS ADR ADR 771195104   501,720 12,000 SH   DFND   12,000 0 0
ROYCE MICRO-CAP TRUST INC COM 780915104   3,247,368 312,547 SH   SOLE   0 0 312,547
ROYCE SMALL-CAP TRUST INC COM 780910105   243,510 15,097 SH   SOLE   0 0 15,097
SCHWAB FNDMNTL US LRG CO ETF COM 808524771   3,701,847 140,755 SH   SOLE   0 0 140,755
SCHWAB INTL EQUITY ETF COM 808524805   260,005 11,169 SH   SOLE   0 0 11,169
SCHWAB US MID CAP ETF COM 808524508   279,764 9,439 SH   SOLE   0 0 9,439
SCHWAB US SMALL-CAP ETF COM 808524607   275,308 9,868 SH   SOLE   0 0 9,868
SEAGATE TECHNOLOGY HOLDINGS COM G7997R103   200,651 850 SH   SOLE   0 0 850
SHOPRITE HOLDINGS-SPN ADR ADR 82510E209   385,440 24,000 SH   DFND   24,000 0 0
SIEMENS AG-SPONS ADR ADR 826197501   945,070 7,000 SH   DFND   7,000 0 0
SONOS INC COM 83570H108   2,275,200 144,000 SH   SOLE   0 0 144,000
SONY GROUP CORP - SP ADR ADR 835699307   575,800 20,000 SH   DFND   20,000 0 0
SOUTHERN CO/THE COM 842587107   1,458,837 15,393 SH   SOLE   0 0 15,393
SS SPDR P ST C CORP ETF COM 78464A474   1,532,948 50,609 SH   SOLE   0 0 50,609
SPDR S&P 500 ETF TRUST COM 78462F103   1,263,077 1,896 SH   SOLE   0 0 1,896
SPDR S&P MIDCAP 400 ETF TRST COM 78467Y107   822,521 1,380 SH   SOLE   0 0 1,380
STELLAR BANCORP INC COM 858927106   1,225,445 40,390 SH   SOLE   0 0 40,390
STRYKER CORP COM 863667101   5,009,345 13,551 SH   SOLE   0 0 13,551
TAIWAN SEMICONDUCTOR-SP ADR ADR 874039100   558,580 2,000 SH   DFND   2,000 0 0
TECHTRONIC INDUSTRIES-SP ADR ADR 87873R101   351,148 5,500 SH   DFND   5,500 0 0
TECNOGLASS INC COM G87264100   1,159,818 17,334 SH   DFND   17,334 0 0
TESLA INC COM 88160R101   318,420 716 SH   SOLE   0 0 716
THERMO FISHER SCIENTIFIC INC COM 883556102   654,777 1,350 SH   DFND   1,350 0 0
THIRD COAST BANCSHARES INC COM 88422P109   227,820 6,000 SH   DFND   6,000 0 0
TOTALENERGIES SE -SPON ADR ADR 89151E109   238,760 4,000 SH   DFND   4,000 0 0
UNILEVER PLC-SPONSORED ADR ADR 904767704   414,960 7,000 SH   DFND   7,000 0 0
VALMONT INDUSTRIES COM 920253101   5,051,497 13,028 SH   SOLE   0 0 13,028
VANECK MSTAR INT MOAT ETF COM 92189F593   1,709,960 46,128 SH   SOLE   0 0 46,128
VANECK MORNINGSTAR WIDE MOAT COM 92189F643   2,090,825 21,096 SH   SOLE   0 0 21,096
VANGUARD 0-3M T-BILL ETF COM 922040845   919,100 12,155 SH   SOLE   0 0 12,155
VANGUARD ENERGY ETF COM 92204A306   1,931,866 15,349 SH   SOLE   0 0 15,349
VANGUARD FTSE DEVELOPED ETF COM 921943858   13,023,337 217,345 SH   SOLE   0 0 217,345
VANGUARD FTSE EMERGING MARKE COM 922042858   1,608,762 29,693 SH   SOLE   0 0 29,693
VANGUARD HIGH DVD YIELD ETF COM 921946406   1,694,376 12,021 SH   SOLE   0 0 12,021
VANGUARD INFO TECH ETF COM 92204A702   16,707,531 22,377 SH   SOLE   0 0 22,377
VANGUARD S&P 500 ETF COM 922908363   221,227 361 SH   SOLE   0 0 361
VANGUARD S/T CORP BOND ETF COM 92206C409   5,571,233 69,701 SH   SOLE   0 0 69,701
VANGUARD TOTAL STOCK MKT ETF COM 922908769   2,115,435 6,446 SH   SOLE   0 0 6,446
VEOLIA ENVIRONNEMENT-ADR ADR 92334N103   170,690 10,000 SH   DFND   10,000 0 0
VERITEX HOLDINGS INC COM 923451108   395,453 11,794 SH   SOLE   0 0 11,794
VERIZON COMMUNICATIONS INC COM 92343V104   742,184 16,887 SH   SOLE   0 0 16,887
VISA INC-CLASS A SHARES COM 92826C839   531,187 1,556 SH   SOLE   0 0 1,556
VISA INC-CLASS A SHARES COM 92826C839   238,966 700 SH   SOLE   0 0 700
VOYA FINANCIAL INC COM 929089100   3,007,857 40,212 SH   SOLE   0 0 40,212
WALMART DE MEXICO SAB DE CV COM P98180188   30,906 10,016 SH   SOLE   0 0 10,016
WALT DISNEY CO/THE COM 254687106   542,750 4,740 SH   SOLE   0 0 4,740
WASTE MANAGEMENT INC COM 94106L109   1,446,837 6,552 SH   SOLE   0 0 6,552
WESTERN ASSET HI INC OPPORT COM 95766K109   4,560,350 1,187,591 SH   SOLE   0 0 1,187,591
WILLIAMS COS INC COM 969457100   2,473,627 39,047 SH   SOLE   0 0 39,047
WOODSIDE ENERGY GROUP-ADR ADR 980228308   150,500 10,000 SH   DFND   10,000 0 0