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
ACCENTURE PLC CL A FOREIGN EQUITIES G1151C101   435,082 1,410 SH   SOLE   1,410 0 0
AT&T INC COMMON STOCK 00206R102   832,446 52,191 SH   SOLE   51,813 0 378
ABBVIE INC COMMON STOCK 00287Y109   208,559 1,548 SH   SOLE   1,548 0 0
ALPHA ARCHITECT US QUANTITATIVE VALUE ETF CLOSED END FD/EQ CEF&ETF 02072L102   456,930 13,210 SH   SOLE   13,167 0 43
ALPHA ARCHITECT INTL QUANTITATIVE VALUE ETF CLOSED END/INTL EQ CEF&ETF 02072L201   328,086 13,791 SH   SOLE   13,734 0 57
ALPHA ARCHITECT INTL QUANTITATIVE MOMENTUM ETF CLOSED END/INTL EQ CEF&ETF 02072L300   1,244,471 48,236 SH   SOLE   48,194 0 42
ALPHA ARCHITECT US QUANTITATIVE MOMENTUM ETF CLOSED END FD/EQ CEF&ETF 02072L409   425,103 9,150 SH   SOLE   9,123 0 27
ALPHABET INC CLASS C COMMON STOCK 02079K107   1,003,078 8,292 SH   SOLE   8,292 0 0
ALPHABET INC CLASS A COMMON STOCK 02079K305   472,096 3,944 SH   SOLE   3,944 0 0
ALTRIA GROUP INC COMMON STOCK 02209S103   209,008 4,615 SH   SOLE   4,615 0 0
AMAZON.COM INC COMMON STOCK 023135106   383,123 2,939 SH   SOLE   2,939 0 0
AMERICAN EXPRESS CO COMMON STOCK 025816109   277,500 1,593 SH   SOLE   1,593 0 0
APPLE INC COMMON STOCK 037833100   12,602,019 64,969 SH   SOLE   64,969 0 0
BERKSHIRE HATHAWAY INC DEL CL B COMMON STOCK 084670702   747,813 2,193 SH   SOLE   2,193 0 0
BOEING COMPANY COMMON STOCK 097023105   688,376 3,260 SH   SOLE   3,260 0 0
CATERPILLAR INC COM COMMON STOCK 149123101   443,134 1,801 SH   SOLE   1,801 0 0
CENOVUS ENERGY INC FOREIGN EQUITIES 15135U109   254,158 14,977 SH   SOLE   14,977 0 0
CHEVRON CORPORATION COMMON STOCK 166764100   997,278 6,338 SH   SOLE   6,338 0 0
CISCO SYS INC COMMON STOCK 17275R102   416,244 8,045 SH   SOLE   8,045 0 0
COMPASS INC CLASS A COMMON STOCK 20464U100   83,072 23,735 SH   SOLE   23,735 0 0
CONSOLIDATED EDISON INC COM COMMON STOCK 209115104   309,710 3,426 SH   SOLE   3,426 0 0
COSTCO WHSL CORP NEW COMMON STOCK 22160K105   1,708,813 3,174 SH   SOLE   3,174 0 0
CUMMINS INC COMMON STOCK 231021106   606,522 2,474 SH   SOLE   2,474 0 0
DANAHER CORP COMMON STOCK 235851102   1,105,920 4,608 SH   SOLE   4,608 0 0
DEERE & COMPANY COMMON STOCK 244199105   2,191,260 5,408 SH   SOLE   5,408 0 0
DIMENSIONAL ETF TRUST INTL CORE ETF CLOSED END FD/EQ CEF&ETF 25434V203   4,546,292 166,470 SH   SOLE   166,423 0 47
DFA EMERGING MARKETS CORE ETF CLOSED END/INTL EQ CEF&ETF 25434V302   2,284,592 97,425 SH   SOLE   97,326 0 99
DIMENSIONAL U.S. SMALL CAP ETF CLOSED END FD/EQ CEF&ETF 25434V500   2,776,451 50,675 SH   SOLE   50,675 0 0
DIMENSIONAL U.S. TARGETED VALUE ETF CLOSED END FD/EQ CEF&ETF 25434V609   421,084 9,079 SH   SOLE   9,079 0 0
DIMENSIONAL U.S. CORE EQUIT Y II ETF CLOSED END FD/EQ CEF&ETF 25434V708   51,476,856 1,896,718 SH   SOLE   1,896,607 0 111
DIMENSIONAL US MARKETWIDE VALUE ETF CLOSED END FD/EQ CEF&ETF 25434V724   19,565,438 567,115 SH   SOLE   567,115 0 0
DIMENSIONAL INTERNATIONAL VALUE ETF CLOSED END/INTL EQ CEF&ETF 25434V807   8,870,584 270,117 SH   SOLE   270,117 0 0
DIMENSIONAL WORLD EX US CORE EQUITY 2 ETF CLOSED END/INTL EQ CEF&ETF 25434V880   36,553,487 1,568,822 SH   SOLE   1,568,822 0 0
DUKE ENERGY CORP NEW COMMON STOCK 26441C204   288,602 3,216 SH   SOLE   3,053 0 163
EXXON MOBIL CORP COM COMMON STOCK 30231G102   654,754 6,105 SH   SOLE   5,903 0 202
FIDELITY TOTAL BOND ETF CLOSED END FD/FIX INC CEF&ETF 316188309   13,388,237 294,831 SH   SOLE   294,831 0 0
HEALTH CATALYST INC COMMON STOCK 42225T107   307,587 24,607 SH   SOLE   24,607 0 0
HOME DEPOT INC COM COMMON STOCK 437076102   535,835 1,725 SH   SOLE   1,725 0 0
HONEYWELL INTL INC COM COMMON STOCK 438516106   334,489 1,612 SH   SOLE   1,612 0 0
ILLINOIS TOOL WKS INC COM COMMON STOCK 452308109   400,256 1,600 SH   SOLE   1,600 0 0
INTEL CORPORATION COM COMMON STOCK 458140100   320,390 9,584 SH   SOLE   9,358 0 226
INTERNATIONAL BUSINESS MACHINES CORP COM COMMON STOCK 459200101   471,677 3,525 SH   SOLE   3,525 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FD ETF CLOSED END FD/EQ CEF&ETF 464287614   773,227 2,810 SH   SOLE   2,810 0 0
ISHARES NATIONAL MUNI BD ETF MUTUAL FUND/TX EXPT/CEF & ETF 464288414   332,250 3,113 SH   SOLE   3,113 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF CLOSED END FD/EQ CEF&ETF 46432F396   475,009 3,293 SH   SOLE   3,293 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CLOSED END/INTL EQ CEF&ETF 46434G103   731,298 14,837 SH   SOLE   14,837 0 0
JP MORGAN HIGH YLD RESEARCH ENHANCED ETF CLOSED END FD/FIX INC CEF&ETF 46641Q878   388,017 8,698 SH   SOLE   8,698 0 0
JOHNSON & JOHNSON COM COMMON STOCK 478160104   1,398,967 8,452 SH   SOLE   8,350 0 102
KEYCORP NEW COM COMMON STOCK 493267108   471,240 51,000 SH   SOLE   51,000 0 0
KOSMOS ENERGY LTD COM COMMON STOCK 500688106   158,834 26,517 SH   SOLE   26,517 0 0
MASTERCARD INCORPORATED COMMON STOCK 57636Q104   390,536 993 SH   SOLE   993 0 0
MCDONALDS CORP COM COMMON STOCK 580135101   1,252,382 4,197 SH   SOLE   4,197 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105   248,199 2,151 SH   SOLE   2,151 0 0
MICROSOFT CORP COM COMMON STOCK 594918104   8,679,076 25,487 SH   SOLE   25,487 0 0
NEXTERA ENERGY, INC COMMON STOCK 65339F101   293,608 3,957 SH   SOLE   3,957 0 0
NIKE INC CL B COM COMMON STOCK 654106103   980,081 8,880 SH   SOLE   8,880 0 0
PACCAR INC COMMON STOCK 693718108   516,620 6,176 SH   SOLE   6,176 0 0
PEPSICO INC COM COMMON STOCK 713448108   332,651 1,796 SH   SOLE   1,796 0 0
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   829,555 5,467 SH   SOLE   5,344 0 123
PROCTER & GAMBLE CO COM COMMON STOCK 742718109   19,726 130 SH   DFND   130 0 0
RAYTHEON TECHNOLOGIES CORP COMMON STOCK 75513E101   312,878 3,194 SH   SOLE   3,088 0 106
RITE AID CORP COMMON STOCK 767754872   25,032 16,688 SH   SOLE   16,688 0 0
SPDR S&P 500 TRUST ETF CLOSED END FD/EQ CEF&ETF 78462F103   1,031,045 2,326 SH   SOLE   2,326 0 0
TECHNOLOGY SECTOR INDEX COMMON STOCK 81369Y803   434,997 2,502 SH   SOLE   2,502 0 0
SOUTHERN CO COMMON STOCK 842587107   427,398 6,084 SH   SOLE   6,084 0 0
TESLA MOTORS, INC COMMON STOCK 88160R101   1,298,059 4,959 SH   SOLE   4,959 0 0
US BANCORP DEL COM NEW COMMON STOCK 902973304   379,362 11,482 SH   SOLE   11,482 0 0
UNION PAC CORP COM COMMON STOCK 907818108   415,577 2,031 SH   SOLE   2,031 0 0
UNION PAC CORP COM COMMON STOCK 907818108   140,369 686 SH   DFND   686 0 0
UNITED PARCEL SERVICE COM COMMON STOCK 911312106   277,297 1,547 SH   SOLE   1,547 0 0
UNITED HEALTH GROUP INC COMMON STOCK 91324P102   562,346 1,170 SH   SOLE   1,170 0 0
VALMONT INDUSTRIES, INC. COMMON STOCK 920253101   373,986 1,285 SH   SOLE   1,285 0 0
VANGUARD TOTAL BOND MARKET ETF CLOSED END FD/FIX INC CEF&ETF 921937835   1,335,315 18,370 SH   SOLE   18,370 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF CLOSED END/INTL EQ CEF&ETF 921943858   2,701,298 58,495 SH   SOLE   58,495 0 0
VANGUARD TOTAL INTL BOND ETF CLOSED END FD/FIX INC CEF&ETF 92203J407   728,214 14,898 SH   SOLE   14,898 0 0
VANGUARD EMERGING MARKETS ETF CLOSED END/INTL EQ CEF&ETF 922042858   683,464 16,801 SH   SOLE   16,801 0 0
VANGUARD INTERMEDIATE TERM TREASURY ETF CLOSED END FD/FIX INC CEF&ETF 92206C706   4,978,462 84,885 SH   SOLE   84,885 0 0
VANGUARD TAX EXEMPT BOND ETF MUTUAL FUND/TX EXPT/CEF & ETF 922907746   55,968,407 1,114,466 SH   SOLE   1,114,466 0 0
VANGUARD S&P 500 ETF CLOSED END FD/EQ CEF&ETF 922908363   1,513,005 3,715 SH   SOLE   3,715 0 0
VANGUARD EXTENDED MARKET INDEX ETF CLOSED END FD/EQ CEF&ETF 922908652   318,942 2,143 SH   SOLE   2,143 0 0
VANGUARD GROWTH ETF CLOSED END FD/EQ CEF&ETF 922908736   2,086,756 7,375 SH   SOLE   7,375 0 0
VANGUARD VALUE ETF CLOSED END FD/EQ CEF&ETF 922908744   3,359,233 23,640 SH   SOLE   23,640 0 0
VANGUARD SMALL CAP ETF CLOSED END FD/EQ CEF&ETF 922908751   546,350 2,747 SH   SOLE   2,747 0 0
WARNER BROS DISCOVERY INC COMMON STOCK 934423104   308,519 24,603 SH   SOLE   24,603 0 0
WASTE MANAGEMENT INC NEW COMMON STOCK 94106L109   343,197 1,979 SH   SOLE   1,979 0 0