CAPE COD FIVE CENTS SAVINGS BANK Form 13F-HR Filed 2022-02-10

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE

OMB APPROVAL

OMB Number:		3235-0006
Expires:	July 31, 2015
Estimated average burden
hours per response:		23.8

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	(x$1000)	PRN AMT	PRN	CALL	DISCRETION	MANAGER	SOLE	SHARED	NONE
OJSC OC ROSNEFT RUB 0.01 GDR	MPL	00B17FSC2	121	15,000	SH		SOLE		15,000	0	0
GLENCORE PLC	MPL	00B4T3BW6	187	37,000	SH		SOLE		37,000	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	7,463	18,002	SH		SOLE		18,002	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	41	100	SH		OTR		100	0	0
AT&T INC	COM	00206R102	1,005	40,862	SH		SOLE		40,862	0	0
AT&T INC	COM	00206R102	75	3,057	SH		OTR		3,057	0	0
ABBOTT LABS	COM	002824100	3,424	24,331	SH		SOLE		24,331	0	0
ABBOTT LABS	COM	002824100	359	2,548	SH		OTR		2,548	0	0
ABBVIE INC	COM	00287Y109	2,120	15,658	SH		SOLE		15,658	0	0
ABBVIE INC	COM	00287Y109	356	2,632	SH		OTR		2,632	0	0
ABERDEEN STD GOLD ETF TR	PHYSCL GOLD SHS	00326A104	10,307	586,973	SH		SOLE		586,973	0	0
ABERDEEN STD PRECIOUS METALS	PHYSCL PM BASKET	003263100	17,683	197,676	SH		SOLE		197,676	0	0
ABERDEEN STD PRECIOUS METALS	PHYSCL PM BASKET	003263100	11	118	SH		OTR		118	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	2,855	42,906	SH		SOLE		42,906	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	14	203	SH		OTR		203	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	12,783	22,542	SH		SOLE		22,542	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	91	160	SH		OTR		160	0	0
ALLSTATE CORP	COM	020002101	427	3,630	SH		SOLE		3,630	0	0
ALPHABET INC	CAP STK CL C	02079K107	17,295	5,977	SH		SOLE		5,977	0	0
ALPHABET INC	CAP STK CL C	02079K107	405	140	SH		OTR		140	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,854	640	SH		SOLE		640	0	0
ALTRIA GROUP INC	COM	02209S103	252	5,321	SH		SOLE		5,321	0	0
ALTRIA GROUP INC	COM	02209S103	36	750	SH		OTR		750	0	0
AMAZON COM INC	COM	023135106	1,624	487	SH		SOLE		487	0	0
AMERICAN EXPRESS CO	COM	025816109	1,964	12,005	SH		SOLE		12,005	0	0
AMERICAN EXPRESS CO	COM	025816109	98	600	SH		OTR		600	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	3,861	13,201	SH		SOLE		13,201	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	7	25	SH		OTR		25	0	0
AMERIPRISE FINL INC	COM	03076C106	343	1,138	SH		SOLE		1,138	0	0
AMGEN INC	COM	031162100	8,295	36,873	SH		SOLE		36,873	0	0
AMGEN INC	COM	031162100	103	460	SH		OTR		460	0	0
AMPHENOL CORP NEW	CL A	032095101	3,395	38,814	SH		SOLE		38,814	0	0
AMPHENOL CORP NEW	CL A	032095101	4	50	SH		OTR		50	0	0
APPLE INC	COM	037833100	35,369	199,181	SH		SOLE		199,181	0	0
APPLE INC	COM	037833100	570	3,208	SH		OTR		3,208	0	0
APPLIED MATLS INC	COM	038222105	572	3,633	SH		SOLE		3,633	0	0
APPLIED MATLS INC	COM	038222105	24	150	SH		OTR		150	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	8,119	32,925	SH		SOLE		32,925	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	687	2,785	SH		OTR		2,785	0	0
BP PLC	SPONSORED ADR	055622104	531	19,922	SH		SOLE		19,922	0	0
BK OF AMERICA CORP	COM	060505104	394	8,853	SH		SOLE		8,853	0	0
BAXTER INTL INC	COM	071813109	279	3,252	SH		SOLE		3,252	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	3,118	10,429	SH		SOLE		10,429	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	38	126	SH		OTR		126	0	0
BOEING CO	COM	097023105	1,362	6,767	SH		SOLE		6,767	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	639	10,253	SH		SOLE		10,253	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	59	950	SH		OTR		950	0	0
BROADCOM INC	COM	11135F101	267	401	SH		SOLE		401	0	0
CIGNA CORP NEW	COM	125523100	322	1,402	SH		SOLE		1,402	0	0
CARMAX INC	COM	143130102	456	3,500	SH		SOLE		3,500	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	539	9,946	SH		SOLE		9,946	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	5	100	SH		OTR		100	0	0
CATERPILLAR INC	COM	149123101	211	1,022	SH		SOLE		1,022	0	0
1CATERPILLAR INC	COM	149123101	460	2,225	SH		OTR		2,225	0	0
CERNER CORP	COM	156782104	5,046	54,332	SH		SOLE		54,332	0	0
CERNER CORP	COM	156782104	12	125	SH		OTR		125	0	0
CHEMED CORP NEW	COM	16359R103	3,280	6,200	SH		SOLE		6,200	0	0
CHEMED CORP NEW	COM	16359R103	3	5	SH		OTR		5	0	0
CHEVRON CORP NEW	COM	166764100	5,637	48,036	SH		SOLE		48,036	0	0
CHEVRON CORP NEW	COM	166764100	188	1,602	SH		OTR		1,602	0	0
CHURCH & DWIGHT CO INC	COM	171340102	9,231	90,060	SH		SOLE		90,060	0	0
CHURCH & DWIGHT CO INC	COM	171340102	10	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	1,342	21,172	SH		SOLE		21,172	0	0
CISCO SYS INC	COM	17275R102	44	700	SH		OTR		700	0	0
COCA COLA CO	COM	191216100	675	11,398	SH		SOLE		11,398	0	0
COCA COLA CO	COM	191216100	123	2,075	SH		OTR		2,075	0	0
COLGATE PALMOLIVE CO	COM	194162103	954	11,180	SH		SOLE		11,180	0	0
COMCAST CORP NEW	CL A	20030N101	5,807	115,381	SH		SOLE		115,381	0	0
COMCAST CORP NEW	CL A	20030N101	20	399	SH		OTR		399	0	0
CONOCOPHILLIPS	COM	20825C104	605	8,387	SH		SOLE		8,387	0	0
COSTCO WHSL CORP NEW	COM	22160K105	6,552	11,542	SH		SOLE		11,542	0	0
COSTCO WHSL CORP NEW	COM	22160K105	114	200	SH		OTR		200	0	0
DANAHER CORPORATION	COM	235851102	556	1,690	SH		SOLE		1,690	0	0
DEERE & CO	COM	244199105	592	1,726	SH		SOLE		1,726	0	0
DISNEY WALT CO	COM	254687106	2,563	16,549	SH		SOLE		16,549	0	0
DISNEY WALT CO	COM	254687106	388	2,507	SH		OTR		2,507	0	0
DISCOVERY INC	COM SER A	25470F104	1,624	68,989	SH		SOLE		68,989	0	0
DISCOVERY INC	COM SER A	25470F104	1	50	SH		OTR		50	0	0
DOMINION ENERGY INC	COM	25746U109	258	3,284	SH		SOLE		3,284	0	0
DOVER CORP	COM	260003108	570	3,141	SH		SOLE		3,141	0	0
DOW INC	COM	260557103	178	3,132	SH		SOLE		3,132	0	0
DOW INC	COM	260557103	37	650	SH		OTR		650	0	0
EBAY INC.	COM	278642103	283	4,260	SH		SOLE		4,260	0	0
ECOLAB INC	COM	278865100	6,092	25,970	SH		SOLE		25,970	0	0
ECOLAB INC	COM	278865100	12	50	SH		OTR		50	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E112	389	3,000	SH		SOLE		3,000	0	0
EMERSON ELEC CO	COM	291011104	313	3,371	SH		SOLE		3,371	0	0
EMERSON ELEC CO	COM	291011104	163	1,750	SH		OTR		1,750	0	0
ESSENTIAL UTILS INC	COM	29670G102	267	4,980	SH		SOLE		4,980	0	0
EVERSOURCE ENERGY	COM	30040W108	743	8,163	SH		SOLE		8,163	0	0
EXXON MOBIL CORP	COM	30231G102	7,016	114,657	SH		SOLE		114,657	0	0
EXXON MOBIL CORP	COM	30231G102	311	5,090	SH		OTR		5,090	0	0
META PLATFORMS INC	CL A	30303M102	307	912	SH		SOLE		912	0	0
FISERV INC	COM	337738108	2,798	26,961	SH		SOLE		26,961	0	0
FISERV INC	COM	337738108	4	40	SH		OTR		40	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	859	9,089	SH		SOLE		9,089	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	6	60	SH		OTR		60	0	0
GENERAL MLS INC	COM	370334104	490	7,267	SH		SOLE		7,267	0	0
HALLIBURTON CO	COM	406216101	287	12,545	SH		SOLE		12,545	0	0
HERSHEY CO	COM	427866108	3,197	16,527	SH		SOLE		16,527	0	0
HINGHAM INSTN SVGS MASS	COM	433323102	214	510	SH		SOLE		510	0	0
HOME DEPOT INC	COM	437076102	15,090	36,361	SH		SOLE		36,361	0	0
HOME DEPOT INC	COM	437076102	1,083	2,609	SH		OTR		2,609	0	0
HONEYWELL INTL INC	COM	438516106	1,145	5,491	SH		SOLE		5,491	0	0
HORMEL FOODS CORP	COM	440452100	244	5,000	SH		SOLE		5,000	0	0
ILLINOIS TOOL WKS INC	COM	452308109	5,763	23,352	SH		SOLE		23,352	0	0
ILLINOIS TOOL WKS INC	COM	452308109	112	454	SH		OTR		454	0	0
INTEL CORP	COM	458140100	3,155	61,260	SH		SOLE		61,260	0	0
INTEL CORP	COM	458140100	373	7,243	SH		OTR		7,243	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	521	3,897	SH		SOLE		3,897	0	0
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	2,659	17,647	SH		SOLE		17,647	0	0
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	48	321	SH		OTR		321	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	772	1,940	SH		SOLE		1,940	0	0
1INTUIT	COM	461202103	2,458	3,822	SH		SOLE		3,822	0	0
INTUIT	COM	461202103	28	43	SH		OTR		43	0	0
ISHARES GOLD TR	ISHARES NEW	464285204	565	16,232	SH		SOLE		16,232	0	0
ISHARES TR	CORE S&P500 ETF	464287200	91,623	192,086	SH		SOLE		192,086	0	0
ISHARES TR	CORE S&P500 ETF	464287200	442	927	SH		OTR		927	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	510	10,444	SH		SOLE		10,444	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	7	139	SH		OTR		139	0	0
ISHARES TR	MSCI EAFE ETF	464287465	3,374	42,884	SH		SOLE		42,884	0	0
ISHARES TR	MSCI EAFE ETF	464287465	139	1,767	SH		OTR		1,767	0	0
ISHARES TR	RUS MID CAP ETF	464287499	558	6,721	SH		SOLE		6,721	0	0
ISHARES TR	RUS MID CAP ETF	464287499	69	836	SH		OTR		836	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	64,582	228,140	SH		SOLE		228,140	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	319	1,126	SH		OTR		1,126	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	1,301	16,678	SH		SOLE		16,678	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	169	2,170	SH		OTR		2,170	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	226	740	SH		SOLE		740	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	7,301	32,822	SH		SOLE		32,822	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	81	365	SH		OTR		365	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	21,215	185,265	SH		SOLE		185,265	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	146	1,275	SH		OTR		1,275	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	3,411	31,277	SH		SOLE		31,277	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	266	8,547	SH		SOLE		8,547	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,805	20,746	SH		SOLE		20,746	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	36	410	SH		OTR		410	0	0
ISHARES TR	USD INV GRDE ETF	464288620	1,092	18,272	SH		SOLE		18,272	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	904	15,254	SH		SOLE		15,254	0	0
ISHARES TR	MSCI USA ESG SLC	464288802	287	2,699	SH		SOLE		2,699	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	21,021	414,374	SH		SOLE		414,374	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	65	1,288	SH		OTR		1,288	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	48,284	646,887	SH		SOLE		646,887	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	336	4,504	SH		OTR		4,504	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	18,964	316,810	SH		SOLE		316,810	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	84	1,400	SH		OTR		1,400	0	0
ISHARES TR	BROAD USD HIGH	46435U853	22,783	553,128	SH		SOLE		553,128	0	0
ISHARES TR	BROAD USD HIGH	46435U853	31	755	SH		OTR		755	0	0
JPMORGAN CHASE & CO	COM	46625H100	12,437	78,539	SH		SOLE		78,539	0	0
JPMORGAN CHASE & CO	COM	46625H100	556	3,513	SH		OTR		3,513	0	0
JOHNSON & JOHNSON	COM	478160104	14,011	81,901	SH		SOLE		81,901	0	0
JOHNSON & JOHNSON	COM	478160104	929	5,430	SH		OTR		5,430	0	0
LILLY ELI & CO	COM	532457108	641	2,321	SH		SOLE		2,321	0	0
LILLY ELI & CO	COM	532457108	221	800	SH		OTR		800	0	0
LOWES COS INC	COM	548661107	808	3,127	SH		SOLE		3,127	0	0
MARSH & MCLENNAN COS INC	COM	571748102	6,025	34,664	SH		SOLE		34,664	0	0
MARSH & MCLENNAN COS INC	COM	571748102	4	24	SH		OTR		24	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	3,199	8,904	SH		SOLE		8,904	0	0
MCCORMICK & CO INC	COM NON VTG	579780206	361	3,732	SH		SOLE		3,732	0	0
MCDONALDS CORP	COM	580135101	10,114	37,729	SH		SOLE		37,729	0	0
MCDONALDS CORP	COM	580135101	431	1,607	SH		OTR		1,607	0	0
MERCK & CO INC	COM	58933Y105	1,569	20,472	SH		SOLE		20,472	0	0
MERCK & CO INC	COM	58933Y105	33	425	SH		OTR		425	0	0
MICROSOFT CORP	COM	594918104	30,805	91,593	SH		SOLE		91,593	0	0
MICROSOFT CORP	COM	594918104	1,484	4,411	SH		OTR		4,411	0	0
MONDELEZ INTL INC	CL A	609207105	295	4,444	SH		SOLE		4,444	0	0
MONDELEZ INTL INC	CL A	609207105	7	100	SH		OTR		100	0	0
MONSTER BEVERAGE CORP NEW	COM	61174X109	4,423	46,052	SH		SOLE		46,052	0	0
MORGAN STANLEY	COM NEW	617446448	555	5,652	SH		SOLE		5,652	0	0
NEXTERA ENERGY INC	COM	65339F101	9,974	106,833	SH		SOLE		106,833	0	0
NEXTERA ENERGY INC	COM	65339F101	340	3,640	SH		OTR		3,640	0	0
NIKE INC	CL B	654106103	5,691	34,146	SH		SOLE		34,146	0	0
NIKE INC	CL B	654106103	67	400	SH		OTR		400	0	0
1NOKIA CORP	SPONSORED ADR	654902204	62	10,000	SH		SOLE		10,000	0	0
NORFOLK SOUTHN CORP	COM	655844108	5,214	17,515	SH		SOLE		17,515	0	0
NORFOLK SOUTHN CORP	COM	655844108	96	322	SH		OTR		322	0	0
NORTHERN TR CORP	COM	665859104	1,535	12,837	SH		SOLE		12,837	0	0
NORTHERN TR CORP	COM	665859104	72	600	SH		OTR		600	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	575	6,575	SH		SOLE		6,575	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	24	275	SH		OTR		275	0	0
NUCOR CORP	COM	670346105	871	7,629	SH		SOLE		7,629	0	0
NVIDIA CORPORATION	COM	67066G104	6,197	21,069	SH		SOLE		21,069	0	0
NVIDIA CORPORATION	COM	67066G104	12	40	SH		OTR		40	0	0
ORACLE CORP	COM	68389X105	386	4,423	SH		SOLE		4,423	0	0
OTIS WORLDWIDE CORP	COM	68902V107	404	4,640	SH		SOLE		4,640	0	0
OTIS WORLDWIDE CORP	COM	68902V107	4	50	SH		OTR		50	0	0
PNC FINL SVCS GROUP INC	COM	693475105	231	1,152	SH		SOLE		1,152	0	0
PPG INDS INC	COM	693506107	338	1,962	SH		SOLE		1,962	0	0
PACKAGING CORP AMER	COM	695156109	2,713	19,923	SH		SOLE		19,923	0	0
PACKAGING CORP AMER	COM	695156109	7	54	SH		OTR		54	0	0
PAYCHEX INC	COM	704326107	214	1,566	SH		SOLE		1,566	0	0
PAYPAL HLDGS INC	COM	70450Y103	508	2,695	SH		SOLE		2,695	0	0
PEPSICO INC	COM	713448108	10,160	58,486	SH		SOLE		58,486	0	0
PEPSICO INC	COM	713448108	490	2,821	SH		OTR		2,821	0	0
PFIZER INC	COM	717081103	2,046	34,656	SH		SOLE		34,656	0	0
PFIZER INC	COM	717081103	89	1,500	SH		OTR		1,500	0	0
PHILIP MORRIS INTL INC	COM	718172109	312	3,280	SH		SOLE		3,280	0	0
PHILIP MORRIS INTL INC	COM	718172109	71	750	SH		OTR		750	0	0
PHILLIPS 66	COM	718546104	362	4,992	SH		SOLE		4,992	0	0
PRICE T ROWE GROUP INC	COM	74144T108	5,226	26,578	SH		SOLE		26,578	0	0
PRICE T ROWE GROUP INC	COM	74144T108	76	384	SH		OTR		384	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,865	35,857	SH		SOLE		35,857	0	0
PROCTER AND GAMBLE CO	COM	742718109	854	5,223	SH		OTR		5,223	0	0
PROLOGIS INC.	COM	74340W103	1,694	10,063	SH		SOLE		10,063	0	0
PUBLIC STORAGE	COM	74460D109	3,865	10,318	SH		SOLE		10,318	0	0
PUBLIC STORAGE	COM	74460D109	13	35	SH		OTR		35	0	0
QUALCOMM INC	COM	747525103	7,238	39,579	SH		SOLE		39,579	0	0
QUALCOMM INC	COM	747525103	27	150	SH		OTR		150	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	421	2,435	SH		SOLE		2,435	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	22	125	SH		OTR		125	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	4,929	57,270	SH		SOLE		57,270	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	46	538	SH		OTR		538	0	0
RESMED INC	COM	761152107	7,107	27,286	SH		SOLE		27,286	0	0
RESMED INC	COM	761152107	52	200	SH		OTR		200	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	329	7,578	SH		SOLE		7,578	0	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	17	400	SH		OTR		400	0	0
S&P GLOBAL INC	COM	78409V104	7,547	15,992	SH		SOLE		15,992	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,695	5,674	SH		SOLE		5,674	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	258	2,000	SH		SOLE		2,000	0	0
SPDR SER TR	S&P BK ETF	78464A797	2,604	47,736	SH		SOLE		47,736	0	0
SPDR SER TR	S&P BK ETF	78464A797	59	1,084	SH		OTR		1,084	0	0
SPDR SER TR	S&P 600 SML CAP	78464A813	447	4,496	SH		SOLE		4,496	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	4,164	8,044	SH		SOLE		8,044	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	16	30	SH		OTR		30	0	0
SPDR SER TR	PORTFOLIO SH TSR	78468R101	52,136	1,713,303	SH		SOLE		1,713,303	0	0
SPDR SER TR	PORTFOLIO SH TSR	78468R101	156	5,114	SH		OTR		5,114	0	0
SPDR SER TR	BLOOMBERG HIGH Y	78468R622	1,476	13,591	SH		SOLE		13,591	0	0
SPDR SER TR	BLOOMBERG HIGH Y	78468R622	19	175	SH		OTR		175	0	0
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	222	4,504	SH		SOLE		4,504	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	22,041	350,477	SH		SOLE		350,477	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	39	617	SH		OTR		617	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	2,210	39,823	SH		SOLE		39,823	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	13	236	SH		OTR		236	0	0
1SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	615	5,816	SH		SOLE		5,816	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	1,203	6,919	SH		SOLE		6,919	0	0
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	2,966	38,181	SH		SOLE		38,181	0	0
SOUTHERN CO	COM	842587107	584	8,513	SH		SOLE		8,513	0	0
STARBUCKS CORP	COM	855244109	6,087	52,037	SH		SOLE		52,037	0	0
STARBUCKS CORP	COM	855244109	19	164	SH		OTR		164	0	0
STATE STR CORP	COM	857477103	411	4,414	SH		SOLE		4,414	0	0
STRYKER CORPORATION	COM	863667101	9,860	36,871	SH		SOLE		36,871	0	0
STRYKER CORPORATION	COM	863667101	44	165	SH		OTR		165	0	0
TJX COS INC NEW	COM	872540109	5,995	78,966	SH		SOLE		78,966	0	0
TJX COS INC NEW	COM	872540109	4	55	SH		OTR		55	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	4,424	36,769	SH		SOLE		36,769	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	37	306	SH		OTR		306	0	0
TARGET CORP	COM	87612E106	2,446	10,570	SH		SOLE		10,570	0	0
TEXAS INSTRS INC	COM	882508104	1,988	10,547	SH		SOLE		10,547	0	0
TEXAS INSTRS INC	COM	882508104	28	150	SH		OTR		150	0	0
TEXTRON INC	COM	883203101	2,343	30,355	SH		SOLE		30,355	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	546	819	SH		SOLE		819	0	0
3M CO	COM	88579Y101	8,119	45,706	SH		SOLE		45,706	0	0
3M CO	COM	88579Y101	299	1,684	SH		OTR		1,684	0	0
TORO CO	COM	891092108	6,480	64,862	SH		SOLE		64,862	0	0
TORO CO	COM	891092108	31	315	SH		OTR		315	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	725	9,455	SH		SOLE		9,455	0	0
TRACTOR SUPPLY CO	COM	892356106	5,194	21,768	SH		SOLE		21,768	0	0
TRACTOR SUPPLY CO	COM	892356106	10	44	SH		OTR		44	0	0
TRAVELERS COMPANIES INC	COM	89417E109	207	1,321	SH		SOLE		1,321	0	0
TRAVELERS COMPANIES INC	COM	89417E109	6	40	SH		OTR		40	0	0
TRUIST FINL CORP	COM	89832Q109	4,766	81,401	SH		SOLE		81,401	0	0
TRUIST FINL CORP	COM	89832Q109	16	274	SH		OTR		274	0	0
US BANCORP DEL	COM NEW	902973304	7,671	136,574	SH		SOLE		136,574	0	0
US BANCORP DEL	COM NEW	902973304	50	899	SH		OTR		899	0	0
UNILEVER PLC	SPON ADR NEW	904767704	320	5,956	SH		SOLE		5,956	0	0
UNION PAC CORP	COM	907818108	6,670	26,476	SH		SOLE		26,476	0	0
UNION PAC CORP	COM	907818108	568	2,255	SH		OTR		2,255	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	192	898	SH		SOLE		898	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	19	90	SH		OTR		90	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	8,090	16,112	SH		SOLE		16,112	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	65	129	SH		OTR		129	0	0
V F CORP	COM	918204108	890	12,152	SH		SOLE		12,152	0	0
V F CORP	COM	918204108	29	400	SH		OTR		400	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,585	9,228	SH		SOLE		9,228	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	315	3,901	SH		SOLE		3,901	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	11,985	234,731	SH		SOLE		234,731	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	30	594	SH		OTR		594	0	0
VANGUARD WHITEHALL FDS	EMERG MKT BD ETF	921946885	20,162	259,621	SH		SOLE		259,621	0	0
VANGUARD WHITEHALL FDS	EMERG MKT BD ETF	921946885	70	898	SH		OTR		898	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	406	5,229	SH		SOLE		5,229	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	207	452	SH		SOLE		452	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,138	63,450	SH		SOLE		63,450	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	53	1,075	SH		OTR		1,075	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	315	3,880	SH		SOLE		3,880	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	50,577	545,246	SH		SOLE		545,246	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	273	2,946	SH		OTR		2,946	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,645	3,767	SH		SOLE		3,767	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	206	1,777	SH		SOLE		1,777	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	49	422	SH		OTR		422	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	243	758	SH		SOLE		758	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	356	2,417	SH		SOLE		2,417	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	400	1,655	SH		SOLE		1,655	0	0
VERISIGN INC	COM	92334E102	1,943	7,656	SH		SOLE		7,656	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	5,488	105,629	SH		SOLE		105,629	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	108	2,073	SH		OTR		2,073	0	0
VISA INC	COM CL A	92826C839	9,316	42,990	SH		SOLE		42,990	0	0
VISA INC	COM CL A	92826C839	65	300	SH		OTR		300	0	0
WEC ENERGY GROUP INC	COM	92939U106	3,716	38,281	SH		SOLE		38,281	0	0
WEC ENERGY GROUP INC	COM	92939U106	49	500	SH		OTR		500	0	0
WALGREENS BOOTS ALLIANCE INC	COM	931427108	261	4,999	SH		SOLE		4,999	0	0
WELLS FARGO CO NEW	COM	949746101	211	4,395	SH		SOLE		4,395	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	278	2,185	SH		SOLE		2,185	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	13	100	SH		OTR		100	0	0

Check here if Amendment:	☐ Amendment Number:
This Amendment (Check only one.):	☐ is a restatement. ☐ adds new holdings entries.

Name:	CAPE COD FIVE CENTS SAVINGS BANK
Address:	P O BOX 20
	20 WEST RD
	ORLEANS, MA 02653
Form 13F File Number:	028-11577

Name:	Joseph King
Title:	Vice President
Phone:	17747229053

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	303
Form 13F Information table Value Total:	1043823 (thousands)

Institutional Investment Manager Filing this Report:

Signature, Place, and Date of Signing:

Report Type (Check only one.):

Form 13F Summary Page

Report Summary:

List of Other Included Managers: