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56782 1049 SH DFND 1049 0 0 ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 9645 500 SH SOLE 500 0 0 ENERGY TRANSFER EQUITY LP COMMON STOCK 29273V100 52083 2700 SH DFND 2700 0 0 TCW AAA CLO ETF ETF/FIXED INCOME 29287L858 302280 6000 SH SOLE 6000 0 0 ENTERGY CORP COMMON STOCK 29364G103 24494 218 SH SOLE 218 0 0 ENTERPRISE PRODS PARTNERS LP COMMON STOCK 293792107 45748 1209 SH SOLE 1209 0 0 EQUIFAX INC COMMON STOCK 294429105 405157 2250 SH SOLE 2250 0 0 EQUIFAX INC COMMON STOCK 294429105 180070 1000 SH DFND 1000 0 0 ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 386904 9608 SH SOLE 9608 0 0 ESSENTIAL UTILITIES INC COMMON STOCK 29670G102 19128 475 SH DFND 475 0 0 EXELON CORP COMMON STOCK 30161N101 88236 1800 SH SOLE 1800 0 0 EXELON CORP COMMON STOCK 30161N101 51471 1050 SH DFND 1050 0 0 EXPEDITORS INTL WASH INC COMMON STOCK 302130109 40247 281 SH SOLE 281 0 0 EXXON MOBIL CORP COMMON STOCK 30231G102 8709977 51338 SH SOLE 50838 0 500 EXXON MOBIL CORP COMMON STOCK 30231G102 1395788 8227 SH DFND 8227 0 0 META PLATFORMS INC COMMON STOCK 30303M102 308950 540 SH SOLE 370 0 170 META PLATFORMS INC COMMON STOCK 30303M102 160196 280 SH DFND 280 0 0 FACTSET RESEARCH SYSTEMS INC COMMON STOCK 303075105 16057 74 SH SOLE 74 0 0 FIDELITY COVINGTON TRUST PFD SECS INCOME ETF/OTHER 316092261 21460 1000 SH SOLE 1000 0 0 FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 46900 1000 SH SOLE 1000 0 0 FIDELITY NATL INFORMATION SV COMMON STOCK 31620M106 46900 1000 SH DFND 1000 0 0 FIFTH THIRD BANCORP COMMON STOCK 316773100 45939 989 SH SOLE 989 0 0 FIFTH THIRD BANCORP COMMON STOCK 316773100 30424 655 SH DFND 655 0 0 FINANCIAL INSTITUTIONS INC COMMON STOCK 317585404 7925 250 SH SOLE 250 0 0 FIRST CITIZENS BANCSHARES COMMON STOCK 31946M103 58424 31 SH SOLE 31 0 0 FIRST SOLAR, INC. COMMON STOCK 336433107 986300 5000 SH DFND 5000 0 0 FIRST TR NASDAQ CYB SEC ETF ETF/EQUITY 33734X846 45631 728 SH SOLE 728 0 0 FIRST TR NASDAQ ARTIFICAL INTELLIGENCE ETF/EQUITY 33738R720 32542 705 SH SOLE 705 0 0 FT ENERGY INCOME PARTNERS ENH INCOME ETF ETF/FIXED INCOME 33740F276 2248000 100000 SH SOLE 100000 0 0 FIRSTCASH HOLDINGS INC COMMON STOCK 33768G107 37412 199 SH SOLE 199 0 0 FISERV INC COMMON STOCK 337738108 1511314 27090 SH SOLE 26090 0 1000 FISERV INC COMMON STOCK 337738108 58019 1040 SH DFND 1040 0 0 FLEXSHARES GLOBAL UPSTREAM NATURAL RESOURCES ETF/INTERNATIONAL EQUITY 33939L407 85482 1550 SH SOLE 1550 0 0 FORD MOTOR COMPANY COMMON STOCK 345370860 33466 2900 SH SOLE 2700 0 200 FORD MOTOR COMPANY COMMON STOCK 345370860 38082 3300 SH DFND 3300 0 0 FORTUNE BRANDS HOME & SEC COMMON STOCK 34964C106 18705 480 SH SOLE 480 0 0 FRANCO NEVADA CORP FOREIGN EQUITIES 351858105 32610 132 SH DFND 132 0 0 FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827 4295358 87786 SH SOLE 87716 0 70 FRANKLIN FTSE CANADA ETF/INTERNATIONAL EQUITY 35473P827 42323 865 SH DFND 865 0 0 FREEPORT MCMORAN INC COMMON STOCK 35671D857 2565570 43655 SH SOLE 43155 0 500 FREEPORT MCMORAN INC COMMON STOCK 35671D857 57300 975 SH DFND 975 0 0 GATX CORP COMMON STOCK 361448103 25952 152 SH SOLE 152 0 0 GABELLI MULTIMEDIA TR INC CLOSED END MUTUAL FUNDS 36239Q109 1175 299 SH DFND 299 0 0 GABELLI EQUITY TR INC CLOSED END MUTUAL FUNDS 362397101 5600 1000 SH DFND 1000 0 0 GABELLI UTILITY TRUST CLOSED END MUTUAL FUNDS 36240A101 1996 330 SH DFND 330 0 0 GXO LOGISTICS INC COMMON STOCK 36262G101 22239 429 SH SOLE 429 0 0 GE HEALTHCARE TECH COMMON STOCK 36266G107 62775 882 SH SOLE 882 0 0 GE HEALTHCARE TECH COMMON STOCK 36266G107 5480 77 SH DFND 77 0 0 GAP INC COMMON STOCK 364760108 16940 700 SH SOLE 700 0 0 GE VERNOVA INC COMMON STOCK 36828A101 254883 292 SH SOLE 292 0 0 GE VERNOVA INC COMMON STOCK 36828A101 242664 278 SH DFND 278 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 1700940 4956 SH SOLE 4956 0 0 GENERAL DYNAMICS CORP COMMON STOCK 369550108 48049 140 SH DFND 140 0 0 GE AEROSPACE COMMON STOCK 369604301 333699 1176 SH SOLE 1176 0 0 GE AEROSPACE COMMON STOCK 369604301 339944 1198 SH DFND 1198 0 0 GENERAL MILLS INC COMMON STOCK 370334104 536747 14421 SH SOLE 14421 0 0 GENERAL MILLS INC COMMON STOCK 370334104 44291 1190 SH DFND 1190 0 0 GENERAL MOTORS CO COMMON STOCK 37045V100 93795 1259 SH SOLE 1259 0 0 GENERAL MOTORS CO COMMON STOCK 37045V100 14900 200 SH DFND 200 0 0 GENMAB A/S SPONSORED ADS FOREIGN EQUITIES 372303206 40846 1523 SH SOLE 1523 0 0 GILEAD SCIENCES INC COMMON STOCK 375558103 278740 2000 SH DFND 2000 0 0 GILDAN ACTIVEWEAR INC FOREIGN EQUITIES 375916103 16583 298 SH SOLE 298 0 0 GLOBAL PMTS INC COMMON STOCK 37940X102 38960 579 SH SOLE 579 0 0 GLOBAL X MLP AND ENERGY ETF ETF/EQUITY 37954Y293 139514 1887 SH SOLE 1871 0 16 GLOBAL X MLP AND ENERGY ETF ETF/EQUITY 37954Y293 4288 58 SH DFND 58 0 0 GLOBAL X MLP ETF ETF/EQUITY 37954Y343 29623 550 SH SOLE 550 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 1110724 1313 SH SOLE 1313 0 0 GOLDMAN SACHS GROUP INC COMMON STOCK 38141G104 469518 555 SH DFND 555 0 0 GOLDMAN SACHS JUST US LARGE CAP EQUITY ETF ETF/EQUITY 381430396 9711 105 SH SOLE 105 0 0 HF SINCLAIR CORP COMMON STOCK 403949100 13723 220 SH SOLE 220 0 0 HDFC BANK LTD FOREIGN EQUITIES 40415F101 49491 1990 SH SOLE 1990 0 0 HANOVER INS GROUP INC COMMON STOCK 410867105 25482 147 SH SOLE 147 0 0 HARLEY DAVIDSON INC COMMON STOCK 412822108 4042 200 SH SOLE 200 0 0 HAWKINS INC COMMON STOCK 420261109 17664 115 SH SOLE 115 0 0 HERC HOLDINGS INC COMMON STOCK 42704L104 14335 144 SH SOLE 144 0 0 HERCULES CAPITAL INC COMMON STOCK 427096508 9231 625 SH SOLE 625 0 0 HEWLETT PACKARD ENTERPRISE COMMON STOCK 42824C109 29892 1256 SH SOLE 1256 0 0 HEXCEL CORP COMMON STOCK 428291108 30753 380 SH SOLE 380 0 0 HIMS & HERS HEALTH INC CL A COMMON STOCK 433000106 8300 400 SH SOLE 400 0 0 HOME DEPOT INC COMMON STOCK 437076102 2782962 8462 SH SOLE 8362 0 100 HOME DEPOT INC COMMON STOCK 437076102 47687 145 SH DFND 145 0 0 HONEYWELL INTL INC COMMON STOCK 438516106 3624579 16036 SH SOLE 16036 0 0 HONEYWELL INTL INC COMMON STOCK 438516106 58766 260 SH DFND 260 0 0 HUMANA INC COMMON STOCK 444859102 7455 43 SH DFND 43 0 0 HUNTINGTON BANCSHARES INC COMMON STOCK 446150104 36057 2304 SH SOLE 2304 0 0 HUNTINGTON INGALLS INDS INC COMMON STOCK 446413106 45966 121 SH SOLE 121 0 0 ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 3273793 12578 SH SOLE 12578 0 0 ILLINOIS TOOL WORKS INC COMMON STOCK 452308109 512751 1970 SH DFND 1970 0 0 ILLUMINA INC COMMON STOCK 452327109 23296 189 SH SOLE 189 0 0 INFOSYS LTD SPONSORED ADR FOREIGN EQUITIES 456788108 34477 2552 SH SOLE 2552 0 0 INFUSYSTEMS HOLDINGS INC COMMON STOCK 45685K102 9230 1000 SH SOLE 1000 0 0 INSTALLED BLDG PRODS INC COMMON STOCK 45780R101 11931 45 SH SOLE 45 0 0 INTEL CORP COMMON STOCK 458140100 268310 6080 SH SOLE 6080 0 0 INTEL CORP COMMON STOCK 458140100 13680 310 SH DFND 310 0 0 INTERCONTINENTALEXCHANGE GRP 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COMMON STOCK 466313103 53126 200 SH SOLE 200 0 0 JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332 12661792 223391 SH SOLE 223198 0 193 JPMORGAN EQUITY PREMIUM INC ETF/EQUITY 46641Q332 78671 1388 SH DFND 1388 0 0 JP MORGAN ULTRA SHORT INC ETF/FIXED INCOME 46641Q837 20244 400 SH SOLE 400 0 0 JACOBS SOLUTIONS INC COMMON STOCK 46982L108 19092 150 SH DFND 150 0 0 JANUS HENDERSON SMALL CAP GROWTH ALPHA ETF ETF/EQUITY 47103U100 6581 94 SH SOLE 94 0 0 JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746 733249 14227 SH SOLE 14065 0 162 JANUS HENDERSON SECURITIZED INCOME ETF ETF/FIXED INCOME 47103U746 20976 407 SH DFND 407 0 0 JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 1599827 31768 SH SOLE 31466 0 302 JANUS DETROIT STREET TR HENDERSON AAA CLO ETF/FIXED INCOME 47103U845 47036 934 SH DFND 934 0 0 JBT MAREL CORPORATION COMMON STOCK 477839104 22249 174 SH SOLE 174 0 0 JOHNSON & JOHNSON COMMON STOCK 478160104 9351000 38255 SH SOLE 38255 0 0 JOHNSON & JOHNSON 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SOLE 2135 0 0 LIBERTY ALL STAR EQUITY FD CLOSED END MUTUAL FUNDS 530158104 13331 2402 SH DFND 2402 0 0 ELI LILLY AND COMPANY COMMON STOCK 532457108 2627730 2857 SH SOLE 2807 0 50 ELI LILLY AND COMPANY COMMON STOCK 532457108 1160746 1262 SH DFND 1262 0 0 LINCOLN ELEC HLDGS INC COMMON STOCK 533900106 22666 91 SH SOLE 91 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 3141568 5198 SH SOLE 5198 0 0 LOCKHEED MARTIN CORP COMMON STOCK 539830109 556033 920 SH DFND 920 0 0 LOEWS CORP COMMON STOCK 540424108 138762 1300 SH DFND 1300 0 0 LOWES COMPANIES INC COMMON STOCK 548661107 4373522 18510 SH SOLE 18510 0 0 LOWES COMPANIES INC COMMON STOCK 548661107 306688 1298 SH DFND 1298 0 0 M & T BANK CORP COMMON STOCK 55261F104 228218 1104 SH SOLE 1104 0 0 M & T BANK CORP COMMON STOCK 55261F104 24392 118 SH DFND 118 0 0 MAGNA INTERNATIONAL INC FOREIGN EQUITIES 559222401 33597 602 SH SOLE 602 0 0 MARATHON PETROLEUM CORP COMMON STOCK 56585A102 68370 280 SH SOLE 280 0 0 MARATHON PETROLEUM CORP COMMON STOCK 56585A102 83997 344 SH DFND 344 0 0 MASCO CORP COMMON STOCK 574599106 28852 478 SH SOLE 478 0 0 MASTERCARD INC CLASS A COMMON STOCK 57636Q104 697003 1395 SH SOLE 1395 0 0 MASTERCARD INC CLASS A COMMON STOCK 57636Q104 27480 55 SH DFND 55 0 0 MCDONALDS CORP COMMON STOCK 580135101 3632995 11690 SH SOLE 11690 0 0 MCDONALDS CORP COMMON STOCK 580135101 168750 543 SH DFND 543 0 0 MCKESSON CORP COMMON STOCK 58155Q103 346140 400 SH SOLE 400 0 0 MCKESSON CORP COMMON STOCK 58155Q103 432675 500 SH DFND 500 0 0 MEDICAL PPTYS TRUST INC COMMON STOCK 58463J304 13890 3000 SH SOLE 3000 0 0 MEDPACE HOLDINGS INC COMMON STOCK 58506Q109 19207 40 SH SOLE 40 0 0 MERCK & COMPANY INC COMMON STOCK 58933Y105 11922927 99119 SH SOLE 99119 0 0 MERCK & COMPANY INC COMMON STOCK 58933Y105 1899008 15787 SH DFND 15787 0 0 METLIFE INC COMMON STOCK 59156R108 1578451 22320 SH SOLE 22320 0 0 METLIFE INC COMMON STOCK 59156R108 95824 1355 SH DFND 1355 0 0 METTLER-TOLEDO INTL COMMON STOCK 592688105 409890 325 SH SOLE 325 0 0 METTLER-TOLEDO INTL COMMON STOCK 592688105 126120 100 SH DFND 100 0 0 MICROSOFT CORP COMMON STOCK 594918104 19652089 53091 SH SOLE 52591 0 500 MICROSOFT CORP COMMON STOCK 594918104 2397887 6478 SH DFND 6478 0 0 MICRON TECHNOLOGY COMMON STOCK 595112103 115537 342 SH SOLE 342 0 0 MITSUBISHI UFJ FINL GROUP INSPONSORED ADR FOREIGN EQUITIES 606822104 66194 3903 SH SOLE 3903 0 0 MOLINA HEALTHCARE INC COMMON STOCK 60855R100 6665 50 SH SOLE 50 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 195942 3400 SH SOLE 3400 0 0 MONDELEZ INTL INC CL A COMMON STOCK 609207105 121023 2100 SH DFND 2100 0 0 MONSTER BEVERAGE COMMON STOCK 61174X109 91214 1259 SH SOLE 1259 0 0 MORGAN STANLEY COMMON STOCK 617446448 1784588 10844 SH SOLE 10844 0 0 MORGAN STANLEY COMMON STOCK 617446448 8228 50 SH DFND 50 0 0 MUELLER INDS INC COMMON STOCK 624756102 17617 159 SH SOLE 159 0 0 MURPHY OIL CORPORATION COMMON STOCK 626717102 26317 638 SH SOLE 638 0 0 MURPHY USA INC COMMON STOCK 626755102 40504 82 SH SOLE 82 0 0 NBT BANCORP INC COMMON STOCK 628778102 528761 12421 SH SOLE 12421 0 0 NBT BANCORP INC COMMON STOCK 628778102 259166 6088 SH DFND 6088 0 0 NASDAQ INC COMMON STOCK 631103108 43209 509 SH SOLE 509 0 0 NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 159732 1700 SH SOLE 1700 0 0 NATIONAL FUEL GAS COMPANY COMMON STOCK 636180101 9396 100 SH DFND 100 0 0 NATIONAL GRID PLC ADR FOREIGN EQUITIES 636274409 64972 768 SH DFND 768 0 0 NETFLIX INC COMMON STOCK 64110L106 523056 5440 SH SOLE 5440 0 0 NEXSTAR MEDIA GROUP INC COMMON STOCK 65336K103 9041 50 SH SOLE 50 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 3501000 37694 SH SOLE 37694 0 0 NEXTERA ENERGY INC COMMON STOCK 65339F101 1634687 17600 SH DFND 17600 0 0 NIKE INC CLASS B COMMON STOCK 654106103 918619 17395 SH SOLE 17395 0 0 NIKE INC CLASS B COMMON STOCK 654106103 26405 500 SH DFND 500 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 1084860 3780 SH SOLE 3780 0 0 NORFOLK SOUTHERN CORP COMMON STOCK 655844108 315700 1100 SH DFND 1100 0 0 NORTHROP GRUMMAN CORP COMMON STOCK 666807102 13644 20 SH SOLE 20 0 0 NORTHROP GRUMMAN CORP COMMON STOCK 666807102 136446 200 SH DFND 200 0 0 NORTHWEST NATURAL HLDG CO COMMON STOCK 66765N105 5268 99 SH SOLE 99 0 0 NORWOOD FINANCIAL CORP COMMON STOCK 669549107 161665 5497 SH SOLE 5497 0 0 NOVARTIS AG ADR FOREIGN EQUITIES 66987V109 291141 1906 SH SOLE 1906 0 0 NOVO-NORDISK AS ADR FOREIGN EQUITIES 670100205 29620 806 SH SOLE 806 0 0 NUCOR CORP COMMON STOCK 670346105 4446472 26295 SH SOLE 26295 0 0 NUCOR CORP COMMON STOCK 670346105 959641 5675 SH DFND 5675 0 0 NVIDIA CORPORATION COMMON STOCK 67066G104 7213528 41362 SH SOLE 40557 0 805 NVIDIA CORPORATION COMMON STOCK 67066G104 932168 5345 SH DFND 5345 0 0 NUVEEN AMT FREE MUNI CR INC CLOSED END MUTUAL FUNDS 67071L106 73980 6000 SH SOLE 6000 0 0 NUTRIEN LTD FOREIGN EQUITIES 67077M108 12072 160 SH SOLE 160 0 0 OAKTREE SPECIALTY LENDING COMMON STOCK 67401P405 8249 730 SH SOLE 730 0 0 OMNICOM GROUP INC COMMON STOCK 681919106 3596597 47758 SH SOLE 47158 0 600 OMNICOM GROUP INC COMMON STOCK 681919106 218395 2900 SH DFND 2900 0 0 ONEOK INC COMMON STOCK 682680103 35613 394 SH SOLE 394 0 0 OPEN LENDING CORP COMMON STOCK 68373J104 250 200 SH SOLE 200 0 0 ORACLE CORP COMMON STOCK 68389X105 349827 2378 SH SOLE 2378 0 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 25821 335 SH SOLE 335 0 0 OTIS WORLDWIDE CORP COMMON STOCK 68902V107 23124 300 SH DFND 300 0 0 PNC FINL SVCS GROUP INC COMMON STOCK 693475105 2633369 12655 SH SOLE 12655 0 0 PNC FINL SVCS GROUP INC COMMON STOCK 693475105 95096 457 SH DFND 457 0 0 PALO ALTO NETWORKS INC COMMON STOCK 697435105 2635950 16442 SH SOLE 16442 0 0 PALO ALTO NETWORKS INC COMMON STOCK 697435105 445688 2780 SH DFND 2780 0 0 PAYCHEX INC COMMON STOCK 704326107 138180 1500 SH SOLE 1500 0 0 PAYCHEX INC COMMON STOCK 704326107 52968 575 SH DFND 575 0 0 PAYPAL HOLDINGS INC COMMON STOCK 70450Y103 11305 250 SH SOLE 250 0 0 PEOPLES FINL SVCS CORP COMMON STOCK 711040105 64955 1218 SH SOLE 1218 0 0 PEPSICO INC COMMON STOCK 713448108 9555953 61537 SH SOLE 61537 0 0 PEPSICO INC COMMON STOCK 713448108 944307 6081 SH DFND 6081 0 0 PERMIAN RESOURCES CORP CL A COMMON STOCK 71424F105 10463 491 SH SOLE 491 0 0 PFIZER INC COMMON STOCK 717081103 1525395 54343 SH SOLE 54343 0 0 PFIZER INC COMMON STOCK 717081103 90467 3223 SH DFND 3223 0 0 PHILIP MORRIS INTL INC COMMON STOCK 718172109 190141 1150 SH SOLE 1150 0 0 PHILIP MORRIS INTL INC COMMON STOCK 718172109 113919 689 SH DFND 689 0 0 PHILLIPS 66 COMMON STOCK 718546104 3892603 21367 SH SOLE 21367 0 0 PHILLIPS 66 COMMON STOCK 718546104 102019 560 SH DFND 560 0 0 PIMCO COMMODITIES ACTIVE STRATEGY ETF ETF/OTHER 72201R593 21395 663 SH SOLE 663 0 0 PLAINS ALL AMERICAN PIPELINE COMMON STOCK 726503105 66960 3000 SH DFND 3000 0 0 PLUG POWER INC COMMON STOCK 72919P202 2250 1000 SH DFND 1000 0 0 PRINCIPAL FINANCIAL GRP INC COMMON STOCK 74251V102 13246 147 SH SOLE 147 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 7405839 51273 SH SOLE 51273 0 0 PROCTER & GAMBLE CO COMMON STOCK 742718109 698508 4836 SH DFND 4836 0 0 PROSPERITY BANCSHARES INC COMMON STOCK 743606105 29156 434 SH SOLE 434 0 0 PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 54411 557 SH SOLE 557 0 0 PRUDENTIAL FINANCIAL INC COMMON STOCK 744320102 21003 215 SH DFND 215 0 0 PRUDENTIAL PLC ADR FOREIGN EQUITIES 74435K204 70477 2479 SH SOLE 2479 0 0 PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 4035887 49857 SH SOLE 49857 0 0 PUBLIC SVC ENTERPRISE GROUP COMMON STOCK 744573106 945087 11675 SH DFND 11675 0 0 PULTE GROUP INC COMMON STOCK 745867101 24698 210 SH DFND 210 0 0 QNITY ELECTRONICS INC COMMON STOCK 74743L100 149301 1294 SH SOLE 1294 0 0 QNITY ELECTRONICS INC COMMON STOCK 74743L100 18690 162 SH DFND 162 0 0 QUALCOMM INC COMMON STOCK 747525103 3831679 29754 SH SOLE 29754 0 0 QUALCOMM INC COMMON STOCK 747525103 356076 2765 SH DFND 2765 0 0 RTX CORP COMMON STOCK 75513E101 5904441 30609 SH SOLE 30609 0 0 RTX CORP COMMON STOCK 75513E101 650842 3374 SH DFND 3374 0 0 REALTY INCOME CORP COMMON STOCK 756109104 40072 655 SH SOLE 655 0 0 RED ROCK RESORTS INC CL A COMMON STOCK 75700L108 13446 252 SH SOLE 252 0 0 REDDIT CLASS A COMMON STOCK 75734B100 10772 80 SH DFND 80 0 0 REGENERON PHARMACEUTICALS COMMON STOCK 75886F107 73400 95 SH SOLE 95 0 0 REINSURANCE GROUP OF AMERICA COMMON STOCK 759351604 25111 123 SH SOLE 123 0 0 REPUBLIC SERVICES INC COMMON STOCK 760759100 21902 100 SH SOLE 100 0 0 RIBBONS COMMUNICATIONS INC COMMON STOCK 762544104 2954 1400 SH SOLE 1400 0 0 ROCKWELL AUTOMATION INC COMMON STOCK 773903109 32299 90 SH DFND 90 0 0 ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 1471543 9096 SH SOLE 9096 0 0 ROYAL BANK OF CANADA FOREIGN EQUITIES 780087102 48209 298 SH DFND 298 0 0 SHELL PLC FOREIGN EQUITIES 780259305 40920 440 SH SOLE 440 0 0 RUSH ENTERPRISES INC CL A COMMON STOCK 781846209 25782 390 SH SOLE 390 0 0 S&P GLOBAL INC COMMON STOCK 78409V104 250094 588 SH SOLE 588 0 0 SEI INVESTMENTS CO. COMMON STOCK 784117103 32565 415 SH SOLE 415 0 0 SPDR S&P 500 ETF ETF/EQUITY 78462F103 9499990 14608 SH SOLE 14608 0 0 SPDR S&P 500 ETF ETF/EQUITY 78462F103 334266 514 SH DFND 514 0 0 SPDR GOLD SHARES ETF/OTHER 78463V107 74868 174 SH SOLE 174 0 0 SPDR GOLD SHARES ETF/OTHER 78463V107 1817933 4225 SH DFND 4225 0 0 SPDR S&P WORLD EX-US ETF/INTERNATIONAL EQUITY 78463X889 37935 831 SH SOLE 831 0 0 SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 1278369 38115 SH SOLE 37557 0 558 SPDR INTERM CORP BOND ETF ETF/FIXED INCOME 78464A375 25456 759 SH DFND 759 0 0 SPDR BLOOMBERG EM MKT ETF ETF/INTERNATIONAL FIXED INCOME 78464A391 2393 116 SH SOLE 116 0 0 SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 503936 5147 SH SOLE 5147 0 0 SPDR PORTFOLIO S&P500 GROWTH ETF/EQUITY 78464A409 103295 1055 SH DFND 1055 0 0 SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 903180 15963 SH SOLE 15963 0 0 SPDR PORTFOLIO S&P 500 VALUE ETF/EQUITY 78464A508 69876 1235 SH DFND 1235 0 0 SPDR PORTFOLIO MIDCAP ETF ETF/EQUITY 78464A847 2664 45 SH SOLE 45 0 0 SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 963016 12582 SH SOLE 12482 0 100 SPDR PORTFOLIO S&P 500 ETF/EQUITY 78464A854 11098 145 SH DFND 145 0 0 SPDR BLACKSTONE/GSO SENIOR LOAN ETF ETF/FIXED INCOME 78467V608 38324 955 SH SOLE 955 0 0 SPDR DOW JONES INDL AVERAGE ETF ETF/EQUITY 78467X109 89858 194 SH SOLE 194 0 0 SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 6614108 10724 SH SOLE 10724 0 0 SPDR S&P MIDCAP 400 ETF ETF/EQUITY 78467Y107 60442 98 SH DFND 98 0 0 SPDR PORTFOLIO SMALLCAP ETF ETF/EQUITY 78468R853 32705 677 SH SOLE 677 0 0 SALESFORCE INC COMMON STOCK 79466L302 2203018 11802 SH SOLE 11802 0 0 SALESFORCE INC COMMON STOCK 79466L302 341604 1830 SH DFND 1830 0 0 SANMINA CORPORATION COMMON STOCK 801056102 3759 29 SH SOLE 29 0 0 SAP AG SPON ADR FOREIGN EQUITIES 803054204 20716 121 SH SOLE 121 0 0 SLB FOREIGN EQUITIES 806857108 60011 1168 SH SOLE 1168 0 0 SLB FOREIGN EQUITIES 806857108 44495 866 SH DFND 866 0 0 CHARLES SCHWAB CORP COMMON STOCK 808513105 86273 918 SH SOLE 918 0 0 SCHWAB STRATEGIC TR US LRG CAP ETF ETF/EQUITY 808524201 115719 4515 SH DFND 4515 0 0 SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 3324085 114348 SH SOLE 114348 0 0 SCHWAB US SMALL CAP ETF ETF/EQUITY 808524607 185058 6366 SH DFND 6366 0 0 SCHWAB STRATEGIC TR HIGH YIELD BD ET ETF/FIXED INCOME 808524631 1950 75 SH SOLE 75 0 0 SCHWAB MUNICIPAL BOND ETF ETF/FIXED INCOME 808524649 58097 2281 SH SOLE 2281 0 0 SCHWAB EMG MKT EQ ETF ETF/INTERNATIONAL EQUITY 808524706 4382 133 SH SOLE 133 0 0 SCHWAB FNDMNTL EM EQ ETF ETF/INTERNATIONAL EQUITY 808524730 879 23 SH SOLE 23 0 0 SCHWAB FNDMTL INTL SM ETF ETF/INTERNATIONAL EQUITY 808524748 1483 32 SH SOLE 32 0 0 SCHWAB US SMALL CO ETF ETF/EQUITY 808524763 4345 134 SH SOLE 134 0 0 SCHWAB INTL EQUITY ETF ETF/INTERNATIONAL EQUITY 808524805 5841 236 SH SOLE 236 0 0 SCHWAB US REIT ETF ETF/EQUITY 808524847 1267 59 SH SOLE 59 0 0 SCHWAB US TIPS ETF ETF/FIXED INCOME 808524870 2554 96 SH SOLE 96 0 0 SCHWAB INTL SM CAP EQ ETF ETF/INTERNATIONAL EQUITY 808524888 1542 33 SH SOLE 33 0 0 MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 69958 1400 SH SOLE 1400 0 0 MATERIALS SELECT SECTOR SPDR ETF/EQUITY 81369Y100 987906 19770 SH DFND 19770 0 0 HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 378538 2582 SH SOLE 2582 0 0 HEALTH CARE SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y209 9529 65 SH DFND 65 0 0 CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 181561 2215 SH SOLE 2215 0 0 CONSUMER STAPLES SECTOR SPDR ETF/EQUITY 81369Y308 8197 100 SH DFND 100 0 0 CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 313862 2880 SH SOLE 2880 0 0 CONSUMER DISCRET SEL SECT SPDR ETF ETF/EQUITY 81369Y407 18526 170 SH DFND 170 0 0 ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 3049387 49778 SH SOLE 49778 0 0 ENERGY SELECT SECTOR SPDR ETF/EQUITY 81369Y506 313957 5125 SH DFND 5125 0 0 SPDR FINANCIAL SELECT SECTOR ETF/EQUITY 81369Y605 267036 5410 SH SOLE 5410 0 0 SPDR INDUSTRIALS (XLI) ETF/EQUITY 81369Y704 184372 1140 SH SOLE 1140 0 0 TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 523890 3942 SH SOLE 3942 0 0 TECHNOLOGY SELECT SECTOR SPDR ETF ETF/EQUITY 81369Y803 61399 462 SH DFND 462 0 0 SELECT SECTOR SPDR TR COMMUNICATION ETF/EQUITY 81369Y852 54868 495 SH SOLE 495 0 0 UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 2620047 57107 SH SOLE 57079 0 28 UTILITIES SELECT SECTOR SPDR ETF/EQUITY 81369Y886 18627 406 SH DFND 406 0 0 SELECTIVE INS GROUP INC COMMON STOCK 816300107 5502 73 SH SOLE 73 0 0 SEMPRA ENERGY COMMON STOCK 816851109 2525514 25991 SH SOLE 25991 0 0 SEMPRA ENERGY COMMON STOCK 816851109 185107 1905 SH DFND 1905 0 0 SHOPIFY INC FOREIGN EQUITIES 82509L107 80305 677 SH SOLE 677 0 0 SIRIUSXM HOLDINGS INC COMMON STOCK 829933100 4383 190 SH DFND 190 0 0 SIXTH ST SPECIALTY LENDING COMMON STOCK 83012A109 18370 1000 SH SOLE 1000 0 0 SNAP ON INC COMMON STOCK 833034101 54481 150 SH SOLE 150 0 0 SOLSTICE ADVANCED MATLS INC COMMON STOCK 83443Q103 2056 27 SH SOLE 27 0 0 SONY CORP ADR FOREIGN EQUITIES 835699307 53613 2590 SH SOLE 2590 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 53086 550 SH SOLE 550 0 0 SOUTHERN COMPANY COMMON STOCK 842587107 115824 1200 SH DFND 1200 0 0 SOUTHERN COPPER CORP COMMON STOCK 84265V105 85169 495 SH SOLE 495 0 0 SPIRE INC COMMON STOCK 84857L101 27795 307 SH SOLE 307 0 0 SPROTT PHYSICAL GOLD TRUST ETF/OTHER 85207H104 873491 24654 SH SOLE 24654 0 0 BLOCK INC CL A COMMON STOCK 852234103 19678 327 SH SOLE 327 0 0 STAG INDL INC COMMON STOCK 85254J102 21996 610 SH SOLE 610 0 0 STARBUCKS CORP COMMON STOCK 855244109 1102747 12309 SH SOLE 12309 0 0 STARBUCKS CORP COMMON STOCK 855244109 11198 125 SH DFND 125 0 0 STATE STREET CORP COMMON STOCK 857477103 70240 555 SH SOLE 555 0 0 STRYKER CORP COMMON STOCK 863667101 2271792 6914 SH SOLE 6914 0 0 STRYKER CORP COMMON STOCK 863667101 44358 135 SH DFND 135 0 0 SUBURBAN PROPANE PARTNERS LP COMMON STOCK 864482104 12988 660 SH SOLE 660 0 0 SYNCHRONY FINANCIAL COMMON STOCK 87165B103 15236 224 SH SOLE 224 0 0 SYSCO CORP COMMON STOCK 871829107 125897 1765 SH SOLE 1765 0 0 TJX COMPANIES COMMON STOCK 872540109 47910 300 SH SOLE 300 0 0 T MOBILE US INC COMMON STOCK 872590104 88212 420 SH SOLE 420 0 0 TAIWAN SEMICONDUCTOR MFG LTDSPONSORED ADS FOREIGN EQUITIES 874039100 151063 447 SH SOLE 447 0 0 TARGET CORP COMMON STOCK 87612E106 1239995 10231 SH SOLE 10231 0 0 TARGET CORP COMMON STOCK 87612E106 27876 230 SH DFND 230 0 0 TELEDYNE TECHNOLOGIES INC COMMON STOCK 879360105 113136 187 SH DFND 187 0 0 TENARIS SA ADR FOREIGN EQUITIES 88031M109 58180 1000 SH SOLE 1000 0 0 TESLA MOTORS INC COMMON STOCK 88160R101 604091 1625 SH SOLE 1625 0 0 TESLA MOTORS INC COMMON STOCK 88160R101 22305 60 SH DFND 60 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 5286394 27230 SH SOLE 27230 0 0 TEXAS INSTRUMENTS INC COMMON STOCK 882508104 189284 975 SH DFND 975 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 2508186 5103 SH SOLE 5103 0 0 THERMO FISHER SCIENTIFIC INC COMMON STOCK 883556102 331774 675 SH DFND 675 0 0 THOR INDUSTRIES INC COMMON STOCK 885160101 44652 559 SH SOLE 559 0 0 3M COMPANY COMMON STOCK 88579Y101 145230 1000 SH DFND 1000 0 0 TOMPKINS FINANCIAL CORP COMMON STOCK 890110109 275940 3500 SH DFND 3500 0 0 TORONTO DOMINION BANK FOREIGN EQUITIES 891160509 46655 500 SH SOLE 500 0 0 TOYOTA MOTOR CORP FOREIGN EQUITIES 892331307 123654 600 SH DFND 600 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 430790 1477 SH SOLE 1477 0 0 TRAVELERS COMPANIES INC COMMON STOCK 89417E109 16041 55 SH DFND 55 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 4261509 92703 SH SOLE 92703 0 0 TRUIST FINANCIAL CORP COMMON STOCK 89832Q109 157948 3436 SH DFND 3436 0 0 TRUSTCO BANK CORP COMMON STOCK 898349204 21885 500 SH SOLE 0 0 500 GMO INTERNATIONAL VALUE ETF ETF/INTERNATIONAL EQUITY 90139K407 10540 291 SH SOLE 291 0 0 US BANCORP COMMON STOCK 902973304 1281228 24639 SH SOLE 24639 0 0 US BANCORP COMMON STOCK 902973304 287560 5530 SH DFND 5530 0 0 UNION PACIFIC CORP COMMON STOCK 907818108 1164083 4798 SH SOLE 4798 0 0 UNION PACIFIC CORP COMMON STOCK 907818108 58228 240 SH DFND 240 0 0 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 2840493 28873 SH SOLE 28273 0 600 UNITED PARCEL SERVICE CL B COMMON STOCK 911312106 314322 3195 SH DFND 3195 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 1811774 6696 SH SOLE 6696 0 0 UNITEDHEALTH GROUP INC COMMON STOCK 91324P102 148817 550 SH DFND 550 0 0 VALE SA SPONSORED ADS FOREIGN EQUITIES 91912E105 9546 600 SH SOLE 600 0 0 VALMONT INDUSTRIES INC COMMON STOCK 920253101 25972 65 SH SOLE 65 0 0 VANECK VECTORS GOLD MINERS ETF ETF/INTERNATIONAL EQUITY 92189F106 1835400 20000 SH DFND 20000 0 0 VANECK VECTORS ETF TR GREEN BD ETF ETF/FIXED INCOME 92189F171 2395 100 SH SOLE 100 0 0 VANGUARD DIVIDEND APPRECIATION ETF ETF/EQUITY 921908844 1400899 6514 SH SOLE 6514 0 0 VANGUARD TOTAL INTL STOCK ETF ETF/INTERNATIONAL EQUITY 921909768 223463 2898 SH SOLE 2898 0 0 VANGUARD S&P SMALLCAP ETF ETF/EQUITY 921932828 9645 84 SH SOLE 84 0 0 VANGUARD BD INDEX FD INC LONG TERM BOND ETF/FIXED INCOME 921937793 14787 215 SH SOLE 0 0 215 VANGUARD SHORT TERM BOND ETF ETF/FIXED INCOME 921937827 105840 1350 SH SOLE 1350 0 0 VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 356219 4838 SH SOLE 4838 0 0 VANGUARD TOTAL BOND MRKT ETF ETF/FIXED INCOME 921937835 5522 75 SH DFND 75 0 0 VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 284194 4435 SH SOLE 4435 0 0 VANGUARD FTSE DEVELOPED MARKETS ETF ETF/INTERNATIONAL EQUITY 921943858 5126 80 SH DFND 80 0 0 VANGUARD TOTAL INTL BOND ETF ETF/INTERNATIONAL FIXED INCOME 92203J407 65430 1362 SH SOLE 1362 0 0 VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 537602 4450 SH SOLE 4450 0 0 VANGUARD FINANCIALS ETF ETF/EQUITY 92204A405 326187 2700 SH DFND 2700 0 0 VANGUARD INDUSTRIALS ETF ETF/EQUITY 92204A603 1373724 4400 SH DFND 4400 0 0 VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 1534261 2199 SH SOLE 2199 0 0 VANGUARD INFO TECH ETF ETF/EQUITY 92204A702 237918 341 SH DFND 341 0 0 VANGUARD UTILITIES ETF ETF/EQUITY 92204A876 12879 65 SH SOLE 65 0 0 VANGUARD INTL EQUITY INDEX FGLB EX US ETF ETF/INTERNATIONAL EQUITY 922042676 1244 28 SH SOLE 28 0 0 VANGUARD INTL EQUITY INDEX FFTSE SMCAP ETF ETF/INTERNATIONAL EQUITY 922042718 316071 2168 SH SOLE 2168 0 0 VANGUARD FTSE ALL-WLD EX-US ETF ETF/INTERNATIONAL EQUITY 922042775 77653 1034 SH SOLE 1034 0 0 VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 1763207 32628 SH SOLE 32628 0 0 VANGUARD FTSE EMERGING MARKETS ETF ETF/INTERNATIONAL EQUITY 922042858 355527 6579 SH DFND 6579 0 0 VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 263175 3320 SH SOLE 3320 0 0 VANGUARD SHORT TERM CORP BOND ETF ETF/FIXED INCOME 92206C409 65951 832 SH DFND 832 0 0 VANGUARD LONG TERM CORP BONDINDEX FUND ETF ETF/FIXED INCOME 92206C813 5305 71 SH DFND 71 0 0 VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 341893 6177 SH SOLE 6177 0 0 VANGUARD LONG TERM TREASURY ETF/FIXED INCOME 92206C847 40682 735 SH DFND 735 0 0 VANGUARD S&P 500 ETF ETF/EQUITY 922908363 20155619 33731 SH SOLE 33731 0 0 VANGUARD REIT ETF ETF/EQUITY 922908553 589667 6648 SH SOLE 6648 0 0 VANGUARD REIT ETF ETF/EQUITY 922908553 12329 139 SH DFND 139 0 0 VANGUARD SMALLCAP VALUE ETF ETF/EQUITY 922908611 631110 2905 SH SOLE 2905 0 0 VANGUARD GROWTH ETF ETF/EQUITY 922908736 484823 1110 SH SOLE 1110 0 0 VANGUARD GROWTH ETF ETF/EQUITY 922908736 93907 215 SH DFND 215 0 0 VANGUARD VALUE ETF ETF/EQUITY 922908744 216408 1103 SH SOLE 1103 0 0 VANGUARD SMALLCAP ETF ETF/EQUITY 922908751 229169 875 SH SOLE 875 0 0 VANGUARD TOTAL STOCK MARKET ETF ETF/EQUITY 922908769 755161 2354 SH SOLE 2354 0 0 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 8634293 171998 SH SOLE 170998 0 1000 VERIZON COMMUNICATIONS COMMON STOCK 92343V104 1562573 31127 SH DFND 31127 0 0 VERSANT MEDIA GROUP INC CL A COMMON STOCK 925283103 185 5 SH DFND 5 0 0 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 388466 870 SH SOLE 745 0 125 VERTEX PHARMACEUTICALS INC COMMON STOCK 92532F100 4465 10 SH DFND 10 0 0 VISA INC CLASS A COMMON STOCK 92826C839 4024124 13315 SH SOLE 13315 0 0 VISA INC CLASS A COMMON STOCK 92826C839 634375 2099 SH DFND 2099 0 0 WAL MART STORES INC COMMON STOCK 931142103 9192343 73965 SH SOLE 73965 0 0 WAL MART STORES INC COMMON STOCK 931142103 2338448 18816 SH DFND 18816 0 0 WARBY PARKER INC CL A COMMON STOCK 93403J106 14173 673 SH SOLE 673 0 0 WARNER BROS DISCOVERY INC COMMON STOCK 934423104 104200 3796 SH SOLE 3796 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 1971078 8578 SH SOLE 8578 0 0 WASTE MANAGEMENT INC COMMON STOCK 94106L109 242424 1055 SH DFND 1055 0 0 WATTS WATER TECHNOLOGIES INC COMMON STOCK 942749102 14514 50 SH SOLE 50 0 0 WEBSTER FINANCIAL CORP COMMON STOCK 947890109 37346 538 SH SOLE 538 0 0 WEBSTER FINANCIAL CORP COMMON STOCK 947890109 32141 463 SH DFND 463 0 0 WELLS FARGO & CO COMMON STOCK 949746101 162961 2047 SH SOLE 2047 0 0 WESCO INTL INC COMMON STOCK 95082P105 43503 159 SH SOLE 159 0 0 WESTERN ALLIANCE BANCORP COMMON STOCK 957638109 30252 427 SH SOLE 427 0 0 WILLIAMS COMPANIES INC COMMON STOCK 969457100 26564 365 SH SOLE 365 0 0 WILLIAMS COMPANIES INC COMMON STOCK 969457100 727800 10000 SH DFND 10000 0 0 WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 1570363 14378 SH SOLE 14378 0 0 WISDOMTREE US HIGH DIVIDEND ETF ETF/EQUITY 97717W208 9829 90 SH DFND 90 0 0 WOODSIDE ENERGY GROUP LTD FOREIGN EQUITIES 980228308 1288 54 SH DFND 54 0 0 WORKDAY INC CL A COMMON STOCK 98138H101 12602 97 SH SOLE 97 0 0 SPDR GOLD MINISHARES ETF/OTHER 98149E303 181849 1962 SH SOLE 1962 0 0 SPDR GOLD MINISHARES ETF/OTHER 98149E303 21596 233 SH DFND 233 0 0 YUM BRANDS INC COMMON STOCK 988498101 29696 191 SH SOLE 191 0 0 YUM CHINA HLDGS INC FOREIGN EQUITIES 98850P109 8583 176 SH SOLE 176 0 0 ZEBRA TECHNOLOGIES CORP CL A COMMON STOCK 989207105 14008 67 SH DFND 67 0 0 ZIMMER HOLDINGS INC COMMON STOCK 98956P102 97653 1080 SH SOLE 1080 0 0 ZIMMER HOLDINGS INC COMMON STOCK 98956P102 144672 1600 SH DFND 1600 0 0 ZIONS BANCORP COMMON STOCK 989701107 36639 636 SH SOLE 636 0 0