Holdings are itemized directly on this plan's Schedule of Assets, below.
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| Citizens Financial Services Inc. 11,644 shares | — | — | $77K | $737K | 6.3% | |
| MFS International Equity I | — | — | $624K | $677K | 5.8% | |
| Blackrock iShares S&P MidCap 400 ETF | — | — | $207K | $623K | 5.3% | |
| Apple Inc. 1,750 shares | — | — | $10K | $438K | 3.7% |
| Alphabet Inc. Class A 2,000 shares | — | — | $51K | $379K | 3.2% |
| Microsoft Corp. Com 850 shares | — | — | $21K | $358K | 3.1% |
| First Citizens Community Bank Money Market Investors 310,829 shares | — | — | $311K | $311K | 2.7% |
| Pimco 0-5 Year High Yield Corporate Bond ETF | — | — | $336K | $309K | 2.6% |
| Amazon.com Inc. 1,400 shares | — | — | $128K | $307K | 2.6% |
| Blackrock iShares MSCI EAFE ETF | — | — | $224K | $265K | 2.3% |
| Procter & Gamble Co. 1,400 shares | — | — | $126K | $235K | 2.0% |
| Vanguard FTSE Emerging Markets ETF | — | — | $212K | $220K | 1.9% |
| Blackrock iShare Core U.S. REIT ETF | — | — | $171K | $193K | 1.6% |
| Johnson & Johnson 1,305 shares | — | — | $102K | $189K | 1.6% |
| Honeywell International Inc. 800 shares | — | — | $77K | $181K | 1.5% |
| United Health Group 350 shares | — | — | $86K | $177K | 1.5% |
| Blackrock iShares Russell 2000 Index | — | — | $157K | $177K | 1.5% |
| Baird Short-Term Bond Fund | — | — | $171K | $166K | 1.4% |
| BlackRock Inc. 160 shares | — | — | $53K | $164K | 1.4% |
| McDonalds Corp. Com 560 shares | — | — | $22K | $162K | 1.4% |
| NVIDIA Corp. 1,200 shares | — | — | $119K | $161K | 1.4% |
| Pepsico Inc. 1,000 shares | — | — | $67K | $152K | 1.3% |
| Cadence Design Systems Inc. 500 shares | — | — | $78K | $150K | 1.3% |
| Adobe Systems Inc. 325 shares | — | — | $105K | $145K | 1.2% |
| Paychex Inc. 1,000 shares | — | — | $39K | $140K | 1.2% |
| Chevron Corp. 968 shares | — | — | $40K | $140K | 1.2% |
| Federated Total Return Bond Fund | — | — | $149K | $123K | 1.1% |
| Medtronic Inc. 1,345 shares | — | — | $76K | $107K | 0.9% |
| Meta Platforms Inc. 175 shares | — | — | $56K | $102K | 0.9% |
| JP Morgan Chase & Co. 425 shares | — | — | $49K | $102K | 0.9% |
| Pfizer Inc. 3,835 shares | — | — | $112K | $102K | 0.9% |
| Waste Management 4.95% due 7/3/31, par value $100,000 | — | — | $105K | $100K | 0.9% |
| Mastercard Inc. 2.00% due 3/3/25, par value $100,000 | — | — | $96K | $100K | 0.8% |
| American Honda Finance 4.60% due 7/17/30, par value $100,000 | — | — | $102K | $98K | 0.8% |
| Vanguard Short-Term Treasury Index | — | — | $96K | $97K | 0.8% |
| US Bancorp 2.375% due 7/22/26, par value $100,000 | — | — | $96K | $97K | 0.8% |
| BP Capital Markets 3.723% due 11/28/28, par value $100,000 | — | — | $99K | $96K | 0.8% |
| Schwab Corp. 0.90% due 3/11/26, par value $100,000 | — | — | $98K | $96K | 0.8% |
| Vanguard Interm-Term Treasury Index | — | — | $96K | $95K | 0.8% |
| Chevron Corp. 1.995% due 5/11/27, par value $100,000 | — | — | $101K | $94K | 0.8% |
| Air Products 1.85% due 5/15/27, par value $100,000 | — | — | $89K | $94K | 0.8% |
| Exxon Mobil 2.44% due 8/16/29, par value $100,000 | — | — | $86K | $91K | 0.8% |
| Starbucks 1,000 shares | — | — | $68K | $91K | 0.8% |
| Cisco Systems Inc. 1,500 shares | — | — | $76K | $89K | 0.8% |
| Tesla 200 shares | — | — | $46K | $81K | 0.7% |
| Blackrock iShares Core S&P 500 ETF | — | — | $37K | $79K | 0.7% |
| Visa Inc. 250 shares | — | — | $49K | $79K | 0.7% |
| BHP Finance 5.25% due 9/8/30, par value $75,000 | — | — | $76K | $76K | 0.7% |
| Toyota Motor 5.25% due 9/11/28, par value $75,000 | — | — | $74K | $76K | 0.6% |
| JP Morgan Chase & Co. 3.125% due 1/23/25, par value $75,000 | — | — | $75K | $75K | 0.6% |
| Bank of New York 3.00% due 2/24/25, par value $75,000 | — | — | $74K | $75K | 0.6% |
| Pepsico Inc. 2.75% due 4/30/25, par value $75,000 | — | — | $74K | $75K | 0.6% |
| Oracle Corp. 2.95% due 5/15/25, par value $75,000 | — | — | $75K | $74K | 0.6% |
| Bristol-Myers Squibb 3.90% due 2/20/28, par value $75,000 | — | — | $76K | $73K | 0.6% |
| Intel 3.75% due 3/25/27, par value $75,000 | — | — | $76K | $73K | 0.6% |
| TJX Cos. 2.25% due 9/15/26, par value $75,000 | — | — | $71K | $72K | 0.6% |
| Apple Inc. 2.05% due 9/11/26, par value $75,000 | — | — | $78K | $72K | 0.6% |
| 3M Co. 2.25% due 9/19/26, par value $75,000 | — | — | $72K | $72K | 0.6% |
| Visa Inc. 2.75% due 9/15/27, par value $75,000 | — | — | $73K | $72K | 0.6% |
| Deere & Co. 1.70% due 1/11/27, par value $75,000 | — | — | $68K | $71K | 0.6% |
| Public Storage 1.85% due 5/1/28, par value $75,000 | — | — | $65K | $69K | 0.6% |
| Schlumberger 2.65% due 6/26/30, par value $75,000 | — | — | $67K | $67K | 0.6% |
| US Bancorp Del Com New 1,385 shares | — | — | $55K | $66K | 0.6% |
| Morgan Stanley 500 shares | — | — | $48K | $63K | 0.5% |
| Southern Co. 750 shares | — | — | $37K | $62K | 0.5% |
| United Parcel Service 450 shares | — | — | $45K | $57K | 0.5% |
| Texas Instruments Inc. 300 shares | — | — | $51K | $56K | 0.5% |
| Palo Alto Networks Inc. 300 shares | — | — | $52K | $55K | 0.5% |
| National Rural Utilities 5.00% due 2/7/31, par value $50,000 | — | — | $50K | $50K | 0.4% |
| Oracle Corp. Com 300 shares | — | — | $37K | $50K | 0.4% |
| Toronto-Dominion Bank 3.766% due 6/6/25, par value $50,000 | — | — | $48K | $50K | 0.4% |
| Morgan Stanley 3.625% due 1/20/27, par value $50,000 | — | — | $50K | $49K | 0.4% |
| Applied Materials Inc. 300 shares | — | — | $42K | $49K | 0.4% |
| Nevada Power 3.70% due 5/1/29, par value $50,000 | — | — | $48K | $48K | 0.4% |
| Royal Bank of Canada 1.15% due 7/14/26, par value $50,000 | — | — | $44K | $48K | 0.4% |
| Kimberly-Clark 3.20% due 4/25/29, par value $50,000 | — | — | $46K | $47K | 0.4% |
| Walmart Inc. 500 shares | — | — | $32K | $45K | 0.4% |
| AbbVie Inc. 250 shares | — | — | $29K | $44K | 0.4% |
| Bank of America Corp. Com 1,000 shares | — | — | $33K | $44K | 0.4% |
| Intel 2.45% due 11/15/29, par value $50,000 | — | — | $45K | $44K | 0.4% |
| EOG Resources, Inc. 350 shares | — | — | $47K | $43K | 0.4% |
| Merck & Co. 400 shares | — | — | $35K | $40K | 0.3% |
| General Dynamics 150 shares | — | — | $33K | $40K | 0.3% |
| Illinois Tool Works Inc. Com 150 shares | — | — | $38K | $38K | 0.3% |
| Walt Disney Co. 300 shares | — | — | $39K | $33K | 0.3% |
| NextEra Energy 450 shares | — | — | $38K | $32K | 0.3% |
| Deere & Co. 75 shares | — | — | $30K | $32K | 0.3% |
| Uber Technologies 500 shares | — | — | $34K | $30K | 0.3% |
| Freeport-McMoRan Inc. 750 shares | — | — | $21K | $29K | 0.2% |
| Jacobs Solutions Inc. 175 shares | — | — | $16K | $23K | 0.2% |
