CAPE COD FIVE CENTS SAVINGS BANK Form 13F-HR Filed 2022-05-10

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	67812M207	9	15,000	SH		SOLE		15,000	0	0
GLENCORE PLC	MPL	G39420107	243	37,000	SH		SOLE		37,000	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	5,877	17,426	SH		SOLE		17,426	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	25	75	SH		OTR		75	0	0
MEDTRONIC PLC	SHS	G5960L103	276	2,488	SH		SOLE		2,488	0	0
AT&T INC	COM	00206R102	927	39,220	SH		SOLE		39,220	0	0
AT&T INC	COM	00206R102	72	3,057	SH		OTR		3,057	0	0
ABBOTT LABS	COM	002824100	2,764	23,356	SH		SOLE		23,356	0	0
ABBOTT LABS	COM	002824100	302	2,548	SH		OTR		2,548	0	0
ABBVIE INC	COM	00287Y109	2,614	16,122	SH		SOLE		16,122	0	0
ABBVIE INC	COM	00287Y109	427	2,632	SH		OTR		2,632	0	0
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	1,609	86,620	SH		SOLE		86,620	0	0
ABRDN PRECIOUS METALS BASKET	PHYSCL PRECS MET	003263100	28,675	298,454	SH		OTR		298,454	0	0
ABRDN PRECIOUS METALS BASKET	PHYSCL PRECS MET	003263100	46	478	SH		OTR		478	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	4,950	61,790	SH		SOLE		61,790	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	16	203	SH		OTR		203	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	10,328	22,667	SH		SOLE		22,667	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	64	140	SH		OTR		140	0	0
ALLSTATE CORP	COM	020002101	474	3,425	SH		SOLE		3,425	0	0
ALPHABET INC	CAP STK CL C	02079K107	16,381	5,865	SH		SOLE		5,865	0	0
ALPHABET INC	CAP STK CL C	02079K107	383	137	SH		OTR		137	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,794	645	SH		SOLE		645	0	0
ALTRIA GROUP INC	COM	02209S103	280	5,368	SH		SOLE		5,368	0	0
ALTRIA GROUP INC	COM	02209S103	39	750	SH		OTR		750	0	0
AMAZON COM INC	COM	023135106	2,533	777	SH		SOLE		777	0	0
AMERICAN EXPRESS CO	COM	025816109	2,178	11,646	SH		SOLE		11,646	0	0
AMERICAN EXPRESS CO	COM	025816109	112	600	SH		OTR		600	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	3,432	13,661	SH		SOLE		13,661	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	6	25	SH		OTR		25	0	0
AMERIPRISE FINL INC	COM	03076C106	342	1,137	SH		SOLE		1,137	0	0
AMGEN INC	COM	031162100	8,809	36,428	SH		SOLE		36,428	0	0
AMGEN INC	COM	031162100	111	460	SH		OTR		460	0	0
AMPHENOL CORP NEW	CL A	032095101	3,108	41,248	SH		SOLE		41,248	0	0
AMPHENOL CORP NEW	CL A	032095101	4	50	SH		OTR		50	0	0
APPLE INC	COM	037833100	32,864	188,214	SH		SOLE		188,214	0	0
APPLE INC	COM	037833100	560	3,208	SH		OTR		3,208	0	0
APPLIED MATLS INC	COM	038222105	397	3,009	SH		SOLE		3,009	0	0
APPLIED MATLS INC	COM	038222105	20	150	SH		OTR		150	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	7,653	33,633	SH		SOLE		33,633	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	634	2,785	SH		OTR		2,785	0	0
BP PLC	SPONSORED ADR	055622104	456	15,525	SH		SOLE		15,525	0	0
BK OF AMERICA CORP	COM	060505104	353	8,558	SH		SOLE		8,558	0	0
BAXTER INTL INC	COM	071813109	221	2,852	SH		SOLE		2,852	0	0
BECTON DICKINSON & CO	COM	075887109	202	758	SH		SOLE		758	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	3,445	9,762	SH		SOLE		9,762	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	41	116	SH		OTR		116	0	0
BOEING CO	COM	097023105	1,244	6,497	SH		SOLE		6,497	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	891	12,203	SH		SOLE		12,203	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	66	900	SH		OTR		900	0	0
BROADCOM INC	COM	11135F101	251	399	SH		SOLE		399	0	0
CIGNA CORP NEW	COM	125523100	282	1,176	SH		SOLE		1,176	0	0
CARMAX INC	COM	143130102	338	3,500	SH		SOLE		3,500	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	399	8,696	SH		SOLE		8,696	0	0
1CARRIER GLOBAL CORPORATION	COM	14448C104	5	100	SH		OTR		100	0	0
CATERPILLAR INC	COM	149123101	167	748	SH		SOLE		748	0	0
CATERPILLAR INC	COM	149123101	496	2,225	SH		OTR		2,225	0	0
CHEMED CORP NEW	COM	16359R103	3,335	6,583	SH		SOLE		6,583	0	0
CHEMED CORP NEW	COM	16359R103	3	5	SH		OTR		5	0	0
CHEVRON CORP NEW	COM	166764100	7,134	43,810	SH		SOLE		43,810	0	0
CHEVRON CORP NEW	COM	166764100	261	1,602	SH		OTR		1,602	0	0
CHURCH & DWIGHT CO INC	COM	171340102	8,711	87,652	SH		SOLE		87,652	0	0
CHURCH & DWIGHT CO INC	COM	171340102	10	100	SH		OTR		100	0	0
CISCO SYS INC	COM	17275R102	1,086	19,480	SH		SOLE		19,480	0	0
CISCO SYS INC	COM	17275R102	39	700	SH		OTR		700	0	0
COCA COLA CO	COM	191216100	674	10,874	SH		SOLE		10,874	0	0
COCA COLA CO	COM	191216100	126	2,025	SH		OTR		2,025	0	0
COLGATE PALMOLIVE CO	COM	194162103	767	10,112	SH		SOLE		10,112	0	0
COMCAST CORP NEW	CL A	20030N101	5,805	123,987	SH		SOLE		123,987	0	0
COMCAST CORP NEW	CL A	20030N101	19	399	SH		OTR		399	0	0
CONOCOPHILLIPS	COM	20825C104	734	7,337	SH		SOLE		7,337	0	0
COSTCO WHSL CORP NEW	COM	22160K105	6,757	11,734	SH		SOLE		11,734	0	0
COSTCO WHSL CORP NEW	COM	22160K105	107	185	SH		OTR		185	0	0
DBX ETF TR	XTRACK USD HIGH	233051432	9,117	241,708	SH		SOLE		241,708	0	0
DANAHER CORPORATION	COM	235851102	467	1,591	SH		SOLE		1,591	0	0
DEERE & CO	COM	244199105	674	1,623	SH		SOLE		1,623	0	0
DISNEY WALT CO	COM	254687106	2,261	16,485	SH		SOLE		16,485	0	0
DISNEY WALT CO	COM	254687106	344	2,507	SH		OTR		2,507	0	0
DISCOVERY INC	COM SER A	25470F104	2,335	93,705	SH		SOLE		93,705	0	0
DISCOVERY INC	COM SER A	25470F104	1	50	SH		OTR		50	0	0
DOMINION ENERGY INC	COM	25746U109	253	2,976	SH		SOLE		2,976	0	0
DOVER CORP	COM	260003108	486	3,100	SH		SOLE		3,100	0	0
DOW INC	COM	260557103	169	2,646	SH		SOLE		2,646	0	0
DOW INC	COM	260557103	41	650	SH		OTR		650	0	0
EBAY INC.	COM	278642103	243	4,250	SH		SOLE		4,250	0	0
ECOLAB INC	COM	278865100	4,506	25,520	SH		SOLE		25,520	0	0
ECOLAB INC	COM	278865100	9	50	SH		OTR		50	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E112	347	2,950	SH		SOLE		2,950	0	0
EMERSON ELEC CO	COM	291011104	314	3,204	SH		SOLE		3,204	0	0
EMERSON ELEC CO	COM	291011104	172	1,750	SH		OTR		1,750	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	224	8,670	SH		SOLE		8,670	0	0
ESSENTIAL UTILS INC	COM	29670G102	243	4,750	SH		SOLE		4,750	0	0
EVERSOURCE ENERGY	COM	30040W108	707	8,013	SH		SOLE		8,013	0	0
EXXON MOBIL CORP	COM	30231G102	9,149	110,781	SH		SOLE		110,781	0	0
EXXON MOBIL CORP	COM	30231G102	420	5,090	SH		OTR		5,090	0	0
META PLATFORMS INC	CL A	30303M102	251	1,131	SH		SOLE		1,131	0	0
FISERV INC	COM	337738108	3,018	29,764	SH		SOLE		29,764	0	0
FISERV INC	COM	337738108	4	40	SH		OTR		40	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	823	8,998	SH		SOLE		8,998	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	5	60	SH		OTR		60	0	0
GENERAL MLS INC	COM	370334104	465	6,866	SH		SOLE		6,866	0	0
HALLIBURTON CO	COM	406216101	246	6,500	SH		SOLE		6,500	0	0
HERSHEY CO	COM	427866108	3,449	15,922	SH		SOLE		15,922	0	0
HOME DEPOT INC	COM	437076102	10,530	35,179	SH		SOLE		35,179	0	0
HOME DEPOT INC	COM	437076102	781	2,609	SH		OTR		2,609	0	0
HONEYWELL INTL INC	COM	438516106	915	4,701	SH		SOLE		4,701	0	0
HORMEL FOODS CORP	COM	440452100	258	5,000	SH		SOLE		5,000	0	0
IDEXX LABS INC	COM	45168D104	2,222	4,061	SH		SOLE		4,061	0	0
IDEXX LABS INC	COM	45168D104	10	19	SH		OTR		19	0	0
ILLINOIS TOOL WKS INC	COM	452308109	4,918	23,488	SH		SOLE		23,488	0	0
ILLINOIS TOOL WKS INC	COM	452308109	90	429	SH		OTR		429	0	0
INTEL CORP	COM	458140100	2,880	58,121	SH		SOLE		58,121	0	0
INTEL CORP	COM	458140100	359	7,243	SH		OTR		7,243	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	473	3,637	SH		SOLE		3,637	0	0
1INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	2,405	18,310	SH		SOLE		18,310	0	0
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	42	321	SH		OTR		321	0	0
INVESCO QQQ TR	UNIT SER 1	46090E112	658	1,815	SH		SOLE		1,815	0	0
INTUIT	COM	461202103	1,627	3,383	SH		SOLE		3,383	0	0
INTUIT	COM	461202103	21	43	SH		OTR		43	0	0
ISHARES GOLD TR	ISHARES NEW	464285204	539	14,638	SH		SOLE		14,638	0	0
ISHARES TR	CORE S&P500 ETF	464287200	86,107	189,792	SH		SOLE		189,792	0	0
ISHARES TR	CORE S&P500 ETF	464287200	383	845	SH		OTR		845	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	457	10,121	SH		SOLE		10,121	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	6	139	SH		OTR		139	0	0
ISHARES TR	MSCI EAFE ETF	464287465	3,071	41,719	SH		SOLE		41,719	0	0
ISHARES TR	MSCI EAFE ETF	464287465	130	1,767	SH		OTR		1,767	0	0
ISHARES TR	RUS MID CAP ETF	464287499	545	6,981	SH		SOLE		6,981	0	0
ISHARES TR	RUS MID CAP ETF	464287499	65	836	SH		OTR		836	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	61,199	228,064	SH		SOLE		228,064	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	299	1,116	SH		OTR		1,116	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	1,158	15,226	SH		SOLE		15,226	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	165	2,170	SH		OTR		2,170	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	205	740	SH		SOLE		740	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	6,597	32,137	SH		SOLE		32,137	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	75	365	SH		OTR		365	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	20,121	186,514	SH		SOLE		186,514	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	135	1,256	SH		OTR		1,256	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	9,252	94,636	SH		SOLE		94,636	0	0
ISHARES TR	INTL SEL DIV ETF	464288448	271	8,547	SH		SOLE		8,547	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	1,414	17,178	SH		SOLE		17,178	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	34	410	SH		OTR		410	0	0
ISHARES TR	USD INV GRDE ETF	464288620	11,915	216,470	SH		SOLE		216,470	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	747	13,622	SH		SOLE		13,622	0	0
ISHARES TR	MSCI USA ESG SLC	464288802	254	2,620	SH		SOLE		2,620	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	20,648	408,716	SH		SOLE		408,716	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	79	1,565	SH		OTR		1,565	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	43,640	627,824	SH		SOLE		627,824	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	317	4,559	SH		OTR		4,559	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	16,828	302,933	SH		SOLE		302,933	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	85	1,522	SH		OTR		1,522	0	0
ISHARES TR	BROAD USD HIGH	46435U853	12,733	327,673	SH		SOLE		327,673	0	0
ISHARES TR	BROAD USD HIGH	46435U853	48	1,230	SH		OTR		1,230	0	0
JPMORGAN CHASE & CO	COM	46625H100	10,758	78,920	SH		SOLE		78,920	0	0
JPMORGAN CHASE & CO	COM	46625H100	479	3,513	SH		OTR		3,513	0	0
JOHNSON & JOHNSON	COM	478160104	14,517	81,911	SH		SOLE		81,911	0	0
JOHNSON & JOHNSON	COM	478160104	958	5,405	SH		OTR		5,405	0	0
KIMBERLY-CLARK CORP	COM	494368103	143	1,163	SH		SOLE		1,163	0	0
KIMBERLY-CLARK CORP	COM	494368103	92	750	SH		OTR		750	0	0
LILLY ELI & CO	COM	532457108	640	2,236	SH		SOLE		2,236	0	0
LILLY ELI & CO	COM	532457108	229	800	SH		OTR		800	0	0
LOWES COS INC	COM	548661107	514	2,541	SH		SOLE		2,541	0	0
MARSH & MCLENNAN COS INC	COM	571748102	5,971	35,035	SH		SOLE		35,035	0	0
MARSH & MCLENNAN COS INC	COM	571748102	4	24	SH		OTR		24	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	3,056	8,552	SH		SOLE		8,552	0	0
MCCORMICK & CO INC	COM NON VTG	579780206	343	3,439	SH		SOLE		3,439	0	0
MCDONALDS CORP	COM	580135101	9,246	37,390	SH		SOLE		37,390	0	0
MCDONALDS CORP	COM	580135101	397	1,607	SH		OTR		1,607	0	0
MERCK & CO INC	COM	58933Y105	1,658	20,208	SH		SOLE		20,208	0	0
MERCK & CO INC	COM	58933Y105	33	400	SH		OTR		400	0	0
MICROSOFT CORP	COM	594918104	26,780	86,862	SH		SOLE		86,862	0	0
MICROSOFT CORP	COM	594918104	1,345	4,361	SH		OTR		4,361	0	0
MONDELEZ INTL INC	CL A	609207105	261	4,164	SH		SOLE		4,164	0	0
MONDELEZ INTL INC	CL A	609207105	6	100	SH		OTR		100	0	0
MONSTER BEVERAGE CORP NEW	COM	61174X109	3,726	46,636	SH		SOLE		46,636	0	0
1MORGAN STANLEY	COM NEW	617446448	492	5,635	SH		SOLE		5,635	0	0
NEXTERA ENERGY INC	COM	65339F101	9,053	106,875	SH		SOLE		106,875	0	0
NEXTERA ENERGY INC	COM	65339F101	308	3,640	SH		OTR		3,640	0	0
NIKE INC	CL B	654106103	4,546	33,787	SH		SOLE		33,787	0	0
NIKE INC	CL B	654106103	54	400	SH		OTR		400	0	0
NOKIA CORP	SPONSORED ADR	654902204	55	10,000	SH		SOLE		10,000	0	0
NORFOLK SOUTHN CORP	COM	655844108	4,741	16,621	SH		SOLE		16,621	0	0
NORFOLK SOUTHN CORP	COM	655844108	92	322	SH		OTR		322	0	0
NORTHERN TR CORP	COM	665859104	1,474	12,658	SH		SOLE		12,658	0	0
NORTHERN TR CORP	COM	665859104	64	550	SH		OTR		550	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	532	6,065	SH		SOLE		6,065	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	24	275	SH		OTR		275	0	0
NUCOR CORP	COM	670346105	1,370	9,214	SH		SOLE		9,214	0	0
NVIDIA CORPORATION	COM	67066G104	5,985	21,935	SH		SOLE		21,935	0	0
NVIDIA CORPORATION	COM	67066G104	11	40	SH		OTR		40	0	0
ORACLE CORP	COM	68389X105	363	4,383	SH		SOLE		4,383	0	0
OTIS WORLDWIDE CORP	COM	68902V107	303	3,936	SH		SOLE		3,936	0	0
OTIS WORLDWIDE CORP	COM	68902V107	4	50	SH		OTR		50	0	0
PNC FINL SVCS GROUP INC	COM	693475105	208	1,130	SH		SOLE		1,130	0	0
PPG INDS INC	COM	693506107	256	1,952	SH		SOLE		1,952	0	0
PACKAGING CORP AMER	COM	695156109	3,014	19,308	SH		SOLE		19,308	0	0
PACKAGING CORP AMER	COM	695156109	8	54	SH		OTR		54	0	0
PAYCHEX INC	COM	704326107	203	1,491	SH		SOLE		1,491	0	0
PAYPAL HLDGS INC	COM	70450Y103	299	2,584	SH		SOLE		2,584	0	0
PEPSICO INC	COM	713448108	9,671	57,776	SH		SOLE		57,776	0	0
PEPSICO INC	COM	713448108	472	2,821	SH		OTR		2,821	0	0
PFIZER INC	COM	717081103	1,655	31,968	SH		SOLE		31,968	0	0
PFIZER INC	COM	717081103	76	1,475	SH		OTR		1,475	0	0
PHILIP MORRIS INTL INC	COM	718172109	301	3,202	SH		SOLE		3,202	0	0
PHILIP MORRIS INTL INC	COM	718172109	70	750	SH		OTR		750	0	0
PHILLIPS 66	COM	718546104	354	4,092	SH		SOLE		4,092	0	0
PLYMOUTH INDL REIT INC	COM	729640102	1,909	70,426	SH		SOLE		70,426	0	0
PRICE T ROWE GROUP INC	COM	74144T108	4,977	32,919	SH		SOLE		32,919	0	0
PRICE T ROWE GROUP INC	COM	74144T108	58	384	SH		OTR		384	0	0
PROCTER AND GAMBLE CO	COM	742718109	5,225	34,196	SH		SOLE		34,196	0	0
PROCTER AND GAMBLE CO	COM	742718109	790	5,168	SH		OTR		5,168	0	0
PROLOGIS INC.	COM	74340W103	1,430	8,858	SH		SOLE		8,858	0	0
PUBLIC STORAGE	COM	74460D109	3,865	9,903	SH		SOLE		9,903	0	0
PUBLIC STORAGE	COM	74460D109	14	35	SH		OTR		35	0	0
QUALCOMM INC	COM	747525103	5,844	38,244	SH		SOLE		38,244	0	0
QUALCOMM INC	COM	747525103	23	150	SH		OTR		150	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	333	2,435	SH		SOLE		2,435	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	17	125	SH		OTR		125	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	5,632	56,848	SH		SOLE		56,848	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	53	538	SH		OTR		538	0	0
RESMED INC	COM	761152107	6,585	27,153	SH		SOLE		27,153	0	0
RESMED INC	COM	761152107	42	175	SH		OTR		175	0	0
SHELL PLC	SPON ADS	780259305	513	9,338	SH		SOLE		9,338	0	0
SHELL PLC	SPON ADS	780259305	19	350	SH		OTR		350	0	0
S&P GLOBAL INC	COM	78409V104	6,347	15,474	SH		SOLE		15,474	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,956	6,546	SH		SOLE		6,546	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	256	2,000	SH		SOLE		2,000	0	0
SPDR SER TR	S&P BK ETF	78464A797	2,492	47,610	SH		SOLE		47,610	0	0
SPDR SER TR	S&P BK ETF	78464A797	57	1,084	SH		OTR		1,084	0	0
SPDR SER TR	S&P 600 SML CAP	78464A813	419	4,478	SH		SOLE		4,478	0	0
SPDR SER TR	PORTFOLIO S&P400	78464A847	1,275	27,046	SH		SOLE		27,046	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	3,909	7,970	SH		SOLE		7,970	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	15	30	SH		OTR		30	0	0
SPDR SER TR	PORTFOLIO SH TSR	78468R101	51,204	1,726,945	SH		SOLE		1,726,945	0	0
SPDR SER TR	PORTFOLIO SH TSR	78468R101	152	5,114	SH		OTR		5,114	0	0
1SPDR SER TR	BLOOMBERG HIGH Y	78468R622	1,287	12,560	SH		SOLE		12,560	0	0
SPDR SER TR	BLOOMBERG HIGH Y	78468R622	18	175	SH		OTR		175	0	0
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	213	4,504	SH		SOLE		4,504	0	0
SPDR SER TR	PORTFOLIO S&P600	78468R853	412	9,792	SH		SOLE		9,792	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	21,712	357,630	SH		SOLE		357,630	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	51	843	SH		OTR		843	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	249	1,346	SH		SOLE		1,346	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	2,902	37,970	SH		SOLE		37,970	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	18	236	SH		OTR		236	0	0
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	222	5,784	SH		SOLE		5,784	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	931	9,039	SH		SOLE		9,039	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	947	5,956	SH		SOLE		5,956	0	0
SOUTHERN CO	COM	842587107	610	8,415	SH		SOLE		8,415	0	0
STARBUCKS CORP	COM	855244109	5,581	61,351	SH		SOLE		61,351	0	0
STARBUCKS CORP	COM	855244109	15	164	SH		OTR		164	0	0
STATE STR CORP	COM	857477103	384	4,407	SH		SOLE		4,407	0	0
STRYKER CORPORATION	COM	863667101	9,900	37,030	SH		SOLE		37,030	0	0
STRYKER CORPORATION	COM	863667101	37	140	SH		OTR		140	0	0
SYSCO CORP	COM	871829107	327	4,000	SH		SOLE		4,000	0	0
TJX COS INC NEW	COM	872540109	4,761	78,592	SH		SOLE		78,592	0	0
TJX COS INC NEW	COM	872540109	3	55	SH		OTR		55	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	3,691	35,403	SH		SOLE		35,403	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	27	256	SH		OTR		256	0	0
TARGET CORP	COM	87612E106	2,245	10,581	SH		SOLE		10,581	0	0
TEXAS INSTRS INC	COM	882508104	1,932	10,532	SH		SOLE		10,532	0	0
TEXAS INSTRS INC	COM	882508104	28	150	SH		OTR		150	0	0
TEXTRON INC	COM	883203101	2,257	30,350	SH		SOLE		30,350	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	461	780	SH		SOLE		780	0	0
3M CO	COM	88579Y101	6,660	44,733	SH		SOLE		44,733	0	0
3M CO	COM	88579Y101	251	1,684	SH		OTR		1,684	0	0
TORO CO	COM	891092108	5,512	64,475	SH		SOLE		64,475	0	0
TORO CO	COM	891092108	27	315	SH		OTR		315	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	748	9,419	SH		SOLE		9,419	0	0
TRACTOR SUPPLY CO	COM	892356106	5,089	21,807	SH		SOLE		21,807	0	0
TRACTOR SUPPLY CO	COM	892356106	10	44	SH		OTR		44	0	0
TRAVELERS COMPANIES INC	COM	89417E109	228	1,248	SH		SOLE		1,248	0	0
TRAVELERS COMPANIES INC	COM	89417E109	7	40	SH		OTR		40	0	0
TRUIST FINL CORP	COM	89832Q109	4,621	81,491	SH		SOLE		81,491	0	0
TRUIST FINL CORP	COM	89832Q109	16	274	SH		OTR		274	0	0
US BANCORP DEL	COM NEW	902973304	7,315	137,620	SH		SOLE		137,620	0	0
US BANCORP DEL	COM NEW	902973304	48	899	SH		OTR		899	0	0
UNION PAC CORP	COM	907818108	6,504	23,805	SH		SOLE		23,805	0	0
UNION PAC CORP	COM	907818108	616	2,255	SH		OTR		2,255	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	196	912	SH		SOLE		912	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	19	90	SH		OTR		90	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	8,076	15,836	SH		SOLE		15,836	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	58	114	SH		OTR		114	0	0
V F CORP	COM	918204108	624	10,982	SH		SOLE		10,982	0	0
V F CORP	COM	918204108	23	400	SH		OTR		400	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,574	9,704	SH		SOLE		9,704	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	258	3,310	SH		SOLE		3,310	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	13,637	283,928	SH		SOLE		283,928	0	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	29	594	SH		OTR		594	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	12,664	181,270	SH		SOLE		181,270	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	81	1,163	SH		OTR		1,163	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	519	4,847	SH		SOLE		4,847	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	4,223	91,551	SH		SOLE		91,551	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	50	1,075	SH		OTR		1,075	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	303	3,880	SH		SOLE		3,880	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	36,066	419,173	SH		SOLE		419,173	0	0
1VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	273	3,171	SH		OTR		3,171	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,887	4,544	SH		SOLE		4,544	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	206	1,902	SH		SOLE		1,902	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	41	375	SH		OTR		375	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	218	758	SH		SOLE		758	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	373	2,522	SH		SOLE		2,522	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	369	1,621	SH		SOLE		1,621	0	0
VERISIGN INC	COM	92334E102	1,949	8,762	SH		SOLE		8,762	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	5,898	115,791	SH		SOLE		115,791	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	106	2,073	SH		OTR		2,073	0	0
VISA INC	COM CL A	92826C839	9,472	42,710	SH		SOLE		42,710	0	0
VISA INC	COM CL A	92826C839	67	300	SH		OTR		300	0	0
WEC ENERGY GROUP INC	COM	92939U106	3,711	37,184	SH		SOLE		37,184	0	0
WEC ENERGY GROUP INC	COM	92939U106	50	500	SH		OTR		500	0	0
WALGREENS BOOTS ALLIANCE INC	COM	931427108	278	6,199	SH		SOLE		6,199	0	0
WELLS FARGO CO NEW	COM	949746101	261	5,395	SH		SOLE		5,395	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	255	1,991	SH		SOLE		1,991	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 R King
Title:	Vice President Compliance
Phone:	17747229053

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	311
Form 13F Information table Value Total:	990542 (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: