CAPE COD FIVE CENTS SAVINGS BANK Form 13F-HR Filed 2022-11-14

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	REG SHS	67812M207	9	15,000	SH		SOLE		15,000	0	0
GLENCORE PLC	REG SHS	G39420107	200	37,000	SH		SOLE		37,000	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	4,708	16,958	SH		SOLE		16,958	0	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	37	135	SH		OTR		135	0	0
MEDTRONIC PLC	SHS	G5960L103	223	2,488	SH		SOLE		2,488	0	0
AT&T INC	COM	00206R102	761	36,330	SH		SOLE		36,330	0	0
AT&T INC	COM	00206R102	64	3,057	SH		OTR		3,057	0	0
ABBOTT LABS	COM	002824100	2,495	22,962	SH		SOLE		22,962	0	0
ABBOTT LABS	COM	002824100	288	2,647	SH		OTR		2,647	0	0
ABBVIE INC	COM	00287Y109	2,456	16,037	SH		SOLE		16,037	0	0
ABBVIE INC	COM	00287Y109	401	2,615	SH		OTR		2,615	0	0
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	1,819	104,941	SH		SOLE		104,941	0	0
ABRDN GOLD ETF TRUST	PHYSCL GOLD SHS	00326A104	32	1,844	SH		OTR		1,844	0	0
ABRDN PRECIOUS METALS BASKET	PHYSCL PRECS MET	003263100	26,379	309,143	SH		SOLE		309,143	0	0
ABRDN PRECIOUS METALS BASKET	PHYSCL PRECS MET	003263100	42	496	SH		OTR		496	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	5,003	64,256	SH		SOLE		64,256	0	0
ACTIVISION BLIZZARD INC	COM	00507V109	16	203	SH		OTR		203	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	8,848	24,171	SH		SOLE		24,171	0	0
ADOBE SYSTEMS INCORPORATED	COM	00724F101	53	145	SH		OTR		145	0	0
ALLSTATE CORP	COM	020002101	436	3,443	SH		SOLE		3,443	0	0
ALPHABET INC	CAP STK CL C	02079K107	13,063	5,972	SH		SOLE		5,972	0	0
ALPHABET INC	CAP STK CL C	02079K107	319	146	SH		OTR		146	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,456	668	SH		SOLE		668	0	0
ALTRIA GROUP INC	COM	02209S103	208	4,971	SH		SOLE		4,971	0	0
ALTRIA GROUP INC	COM	02209S103	31	750	SH		OTR		750	0	0
AMAZON COM INC	COM	023135106	1,546	14,560	SH		SOLE		14,560	0	0
AMERICAN EXPRESS CO	COM	025816109	1,599	11,535	SH		SOLE		11,535	0	0
AMERICAN EXPRESS CO	COM	025816109	83	600	SH		OTR		600	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	3,567	13,955	SH		SOLE		13,955	0	0
AMERICAN TOWER CORP NEW	COM	03027X100	8	30	SH		OTR		30	0	0
AMERIPRISE FINL INC	COM	03076C106	270	1,137	SH		SOLE		1,137	0	0
AMGEN INC	COM	031162100	8,618	35,421	SH		SOLE		35,421	0	0
AMGEN INC	COM	031162100	112	460	SH		OTR		460	0	0
AMPHENOL CORP NEW	CL A	032095101	2,970	46,140	SH		SOLE		46,140	0	0
AMPHENOL CORP NEW	CL A	032095101	4	60	SH		OTR		60	0	0
APPLE INC	COM	037833100	25,704	188,005	SH		SOLE		188,005	0	0
APPLE INC	COM	037833100	460	3,366	SH		OTR		3,366	0	0
APPLIED MATLS INC	COM	038222105	279	3,063	SH		SOLE		3,063	0	0
APPLIED MATLS INC	COM	038222105	14	150	SH		OTR		150	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	6,971	33,190	SH		SOLE		33,190	0	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	586	2,790	SH		OTR		2,790	0	0
BP PLC	SPONSORED ADR	055622104	426	15,025	SH		SOLE		15,025	0	0
BRP GROUP INC	COM CL A	05589G102	242	10,000	SH		SOLE		10,000	0	0
BK OF AMERICA CORP	COM	060505104	261	8,397	SH		SOLE		8,397	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,561	9,379	SH		SOLE		9,379	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	29	106	SH		OTR		106	0	0
BOEING CO	COM	097023105	888	6,497	SH		SOLE		6,497	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,060	13,760	SH		SOLE		13,760	0	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	69	900	SH		OTR		900	0	0
BROADCOM INC	COM	11135F101	220	453	SH		SOLE		453	0	0
CIGNA CORP NEW	COM	125523100	302	1,146	SH		SOLE		1,146	0	0
CARMAX INC	COM	143130102	317	3,500	SH		SOLE		3,500	0	0
CARRIER GLOBAL CORPORATION	COM	14448C104	331	9,296	SH		SOLE		9,296	0	0
1CARRIER GLOBAL CORPORATION	COM	14448C104	4	100	SH		OTR		100	0	0
CATERPILLAR INC	COM	149123101	105	590	SH		SOLE		590	0	0
CATERPILLAR INC	COM	149123101	398	2,225	SH		OTR		2,225	0	0
CHEMED CORP NEW	COM	16359R103	3,047	6,491	SH		SOLE		6,491	0	0
CHEMED CORP NEW	COM	16359R103	14	29	SH		OTR		29	0	0
CHEVRON CORP NEW	COM	166764100	5,924	40,914	SH		SOLE		40,914	0	0
CHEVRON CORP NEW	COM	166764100	238	1,641	SH		OTR		1,641	0	0
CHURCH & DWIGHT CO INC	COM	171340102	5,584	60,262	SH		SOLE		60,262	0	0
CHURCH & DWIGHT CO INC	COM	171340102	20	220	SH		OTR		220	0	0
CISCO SYS INC	COM	17275R102	806	18,910	SH		SOLE		18,910	0	0
CISCO SYS INC	COM	17275R102	30	700	SH		OTR		700	0	0
CLOROX CO DEL	COM	189054109	2,166	15,362	SH		SOLE		15,362	0	0
COCA COLA CO	COM	191216100	672	10,684	SH		SOLE		10,684	0	0
COCA COLA CO	COM	191216100	127	2,025	SH		OTR		2,025	0	0
COLGATE PALMOLIVE CO	COM	194162103	744	9,280	SH		SOLE		9,280	0	0
COMCAST CORP NEW	CL A	20030N101	4,517	115,122	SH		SOLE		115,122	0	0
COMCAST CORP NEW	CL A	20030N101	16	399	SH		OTR		399	0	0
CONOCOPHILLIPS	COM	20825C104	702	7,812	SH		SOLE		7,812	0	0
COSTCO WHSL CORP NEW	COM	22160K105	5,405	11,277	SH		SOLE		11,277	0	0
COSTCO WHSL CORP NEW	COM	22160K105	99	206	SH		OTR		206	0	0
DBX ETF TR	XTRACK USD HIGH	233051432	1,668	49,448	SH		SOLE		49,448	0	0
DANAHER CORPORATION	COM	235851102	393	1,550	SH		SOLE		1,550	0	0
DEERE & CO	COM	244199105	499	1,665	SH		SOLE		1,665	0	0
DISNEY WALT CO	COM	254687106	1,551	16,427	SH		SOLE		16,427	0	0
DISNEY WALT CO	COM	254687106	237	2,507	SH		OTR		2,507	0	0
DOMINION ENERGY INC	COM	25746U109	305	3,823	SH		SOLE		3,823	0	0
DOVER CORP	COM	260003108	376	3,100	SH		SOLE		3,100	0	0
ECOLAB INC	COM	278865100	3,880	25,235	SH		SOLE		25,235	0	0
ECOLAB INC	COM	278865100	15	98	SH		OTR		98	0	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	281	2,950	SH		SOLE		2,950	0	0
EMERSON ELEC CO	COM	291011104	256	3,222	SH		SOLE		3,222	0	0
EMERSON ELEC CO	COM	291011104	139	1,750	SH		OTR		1,750	0	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	211	8,670	SH		SOLE		8,670	0	0
ESSENTIAL UTILS INC	COM	29670G102	218	4,750	SH		SOLE		4,750	0	0
EVERSOURCE ENERGY	COM	30040W108	814	9,636	SH		SOLE		9,636	0	0
EXXON MOBIL CORP	COM	30231G102	9,488	110,784	SH		SOLE		110,784	0	0
EXXON MOBIL CORP	COM	30231G102	442	5,165	SH		OTR		5,165	0	0
META PLATFORMS INC	CL A	30303M102	213	1,324	SH		SOLE		1,324	0	0
FISERV INC	COM	337738108	2,873	32,289	SH		SOLE		32,289	0	0
FISERV INC	COM	337738108	4	45	SH		OTR		45	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	541	8,490	SH		SOLE		8,490	0	0
GENERAL ELECTRIC CO	COM NEW	369604301	4	60	SH		OTR		60	0	0
GENERAL MLS INC	COM	370334104	511	6,770	SH		SOLE		6,770	0	0
GENERAL MLS INC	COM	370334104	7	99	SH		OTR		99	0	0
HERSHEY CO	COM	427866108	3,311	15,390	SH		SOLE		15,390	0	0
HOME DEPOT INC	COM	437076102	10,050	36,641	SH		SOLE		36,641	0	0
HOME DEPOT INC	COM	437076102	728	2,654	SH		OTR		2,654	0	0
HONEYWELL INTL INC	COM	438516106	832	4,788	SH		SOLE		4,788	0	0
HORMEL FOODS CORP	COM	440452100	237	5,000	SH		SOLE		5,000	0	0
IDEXX LABS INC	COM	45168D104	2,005	5,718	SH		SOLE		5,718	0	0
IDEXX LABS INC	COM	45168D104	7	19	SH		OTR		19	0	0
ILLINOIS TOOL WKS INC	COM	452308109	4,146	22,750	SH		SOLE		22,750	0	0
ILLINOIS TOOL WKS INC	COM	452308109	89	489	SH		OTR		489	0	0
INTEL CORP	COM	458140100	2,175	58,135	SH		SOLE		58,135	0	0
INTEL CORP	COM	458140100	261	6,968	SH		OTR		6,968	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	492	3,487	SH		SOLE		3,487	0	0
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	2,285	19,182	SH		SOLE		19,182	0	0
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	38	321	SH		OTR		321	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	644	2,298	SH		SOLE		2,298	0	0
INTUIT	COM	461202103	1,166	3,025	SH		SOLE		3,025	0	0
1INTUIT	COM	461202103	17	43	SH		OTR		43	0	0
ISHARES GOLD TR	ISHARES NEW	464285204	507	14,781	SH		SOLE		14,781	0	0
ISHARES TR	TIPS BD ETF	464287176	3,945	34,632	SH		SOLE		34,632	0	0
ISHARES TR	TIPS BD ETF	464287176	14	122	SH		OTR		122	0	0
ISHARES TR	CORE S&P500 ETF	464287200	73,587	194,085	SH		SOLE		194,085	0	0
ISHARES TR	CORE S&P500 ETF	464287200	320	845	SH		OTR		845	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	444	11,070	SH		SOLE		11,070	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	6	139	SH		OTR		139	0	0
ISHARES TR	MSCI EAFE ETF	464287465	2,607	41,719	SH		SOLE		41,719	0	0
ISHARES TR	MSCI EAFE ETF	464287465	110	1,767	SH		OTR		1,767	0	0
ISHARES TR	RUS MID CAP ETF	464287499	510	7,892	SH		SOLE		7,892	0	0
ISHARES TR	RUS MID CAP ETF	464287499	54	836	SH		OTR		836	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	52,258	230,994	SH		SOLE		230,994	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	312	1,377	SH		OTR		1,377	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	846	13,201	SH		SOLE		13,201	0	0
ISHARES TR	GLOBAL 100 ETF	464287572	139	2,170	SH		OTR		2,170	0	0
ISHARES TR	RUS 1000 GRW ETF	464287614	210	959	SH		SOLE		959	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	5,337	31,511	SH		SOLE		31,511	0	0
ISHARES TR	RUSSELL 2000 ETF	464287655	79	467	SH		OTR		467	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	17,915	193,864	SH		SOLE		193,864	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	116	1,256	SH		OTR		1,256	0	0
ISHARES TR	SHRT NAT MUN ETF	464288158	1,215	11,609	SH		SOLE		11,609	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	2,046	23,980	SH		SOLE		23,980	0	0
ISHARES TR	JPMORGAN USD EMG	464288281	30	351	SH		OTR		351	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	723	9,820	SH		SOLE		9,820	0	0
ISHARES TR	IBOXX HI YD ETF	464288513	21	285	SH		OTR		285	0	0
ISHARES TR	USD INV GRDE ETF	464288620	2,986	58,574	SH		SOLE		58,574	0	0
ISHARES TR	USD INV GRDE ETF	464288620	32	628	SH		OTR		628	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	3,207	62,809	SH		SOLE		62,809	0	0
ISHARES TR	ISHS 5-10YR INVT	464288638	82	1,613	SH		OTR		1,613	0	0
ISHARES TR	MSCI USA ESG SLC	464288802	289	3,583	SH		SOLE		3,583	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	20,039	401,425	SH		SOLE		401,425	0	0
ISHARES TR	FLTG RATE NT ETF	46429B655	99	1,976	SH		OTR		1,976	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	40,435	687,081	SH		SOLE		687,081	0	0
ISHARES TR	CORE MSCI EAFE	46432F842	320	5,438	SH		OTR		5,438	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	16,931	345,105	SH		SOLE		345,105	0	0
ISHARES INC	CORE MSCI EMKT	46434G103	91	1,849	SH		OTR		1,849	0	0
ISHARES TR	BROAD USD HIGH	46435U853	16,066	464,067	SH		SOLE		464,067	0	0
ISHARES TR	BROAD USD HIGH	46435U853	83	2,391	SH		OTR		2,391	0	0
JPMORGAN CHASE & CO	COM	46625H100	9,324	82,797	SH		SOLE		82,797	0	0
JPMORGAN CHASE & CO	COM	46625H100	406	3,606	SH		OTR		3,606	0	0
JOHNSON & JOHNSON	COM	478160104	14,168	79,817	SH		SOLE		79,817	0	0
JOHNSON & JOHNSON	COM	478160104	973	5,480	SH		OTR		5,480	0	0
KIMBERLY-CLARK CORP	COM	494368103	154	1,137	SH		SOLE		1,137	0	0
KIMBERLY-CLARK CORP	COM	494368103	101	750	SH		OTR		750	0	0
LILLY ELI & CO	COM	532457108	697	2,151	SH		SOLE		2,151	0	0
LILLY ELI & CO	COM	532457108	259	800	SH		OTR		800	0	0
LOWES COS INC	COM	548661107	441	2,524	SH		SOLE		2,524	0	0
M & T BK CORP	COM	55261F104	256	1,606	SH		SOLE		1,606	0	0
MSCI INC	COM	55354G100	2,731	6,626	SH		SOLE		6,626	0	0
MARSH & MCLENNAN COS INC	COM	571748102	5,469	35,230	SH		SOLE		35,230	0	0
MARSH & MCLENNAN COS INC	COM	571748102	4	24	SH		OTR		24	0	0
MASTERCARD INCORPORATED	CL A	57636Q104	2,618	8,297	SH		SOLE		8,297	0	0
MCCORMICK & CO INC	COM NON VTG	579780206	268	3,217	SH		SOLE		3,217	0	0
MCDONALDS CORP	COM	580135101	9,281	37,592	SH		SOLE		37,592	0	0
MCDONALDS CORP	COM	580135101	397	1,607	SH		OTR		1,607	0	0
MERCK & CO INC	COM	58933Y105	1,830	20,069	SH		SOLE		20,069	0	0
MERCK & CO INC	COM	58933Y105	36	400	SH		OTR		400	0	0
MICROSOFT CORP	COM	594918104	22,261	86,677	SH		SOLE		86,677	0	0
MICROSOFT CORP	COM	594918104	1,143	4,451	SH		OTR		4,451	0	0
1MONDELEZ INTL INC	CL A	609207105	260	4,188	SH		SOLE		4,188	0	0
MONDELEZ INTL INC	CL A	609207105	6	100	SH		OTR		100	0	0
MONSTER BEVERAGE CORP NEW	COM	61174X109	4,366	47,102	SH		SOLE		47,102	0	0
MORGAN STANLEY	COM NEW	617446448	428	5,625	SH		SOLE		5,625	0	0
NEXTERA ENERGY INC	COM	65339F101	8,414	108,620	SH		SOLE		108,620	0	0
NEXTERA ENERGY INC	COM	65339F101	284	3,665	SH		OTR		3,665	0	0
NIKE INC	CL B	654106103	3,409	33,356	SH		SOLE		33,356	0	0
NIKE INC	CL B	654106103	49	484	SH		OTR		484	0	0
NOKIA CORP	SPONSORED ADR	654902204	46	10,000	SH		SOLE		10,000	0	0
NORFOLK SOUTHN CORP	COM	655844108	3,740	16,454	SH		SOLE		16,454	0	0
NORFOLK SOUTHN CORP	COM	655844108	73	322	SH		OTR		322	0	0
NORTHERN TR CORP	COM	665859104	1,202	12,458	SH		SOLE		12,458	0	0
NORTHERN TR CORP	COM	665859104	63	649	SH		OTR		649	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	443	5,245	SH		SOLE		5,245	0	0
NOVARTIS AG	SPONSORED ADR	66987V109	23	275	SH		OTR		275	0	0
NUCOR CORP	COM	670346105	962	9,214	SH		SOLE		9,214	0	0
NVIDIA CORPORATION	COM	67066G104	3,908	25,779	SH		SOLE		25,779	0	0
NVIDIA CORPORATION	COM	67066G104	7	45	SH		OTR		45	0	0
ORACLE CORP	COM	68389X105	295	4,220	SH		SOLE		4,220	0	0
OTIS WORLDWIDE CORP	COM	68902V107	294	4,166	SH		SOLE		4,166	0	0
OTIS WORLDWIDE CORP	COM	68902V107	4	50	SH		OTR		50	0	0
PNC FINL SVCS GROUP INC	COM	693475105	487	3,088	SH		SOLE		3,088	0	0
PPG INDS INC	COM	693506107	214	1,875	SH		SOLE		1,875	0	0
PACKAGING CORP AMER	COM	695156109	2,581	18,772	SH		SOLE		18,772	0	0
PACKAGING CORP AMER	COM	695156109	7	54	SH		OTR		54	0	0
PEPSICO INC	COM	713448108	9,531	57,189	SH		SOLE		57,189	0	0
PEPSICO INC	COM	713448108	470	2,821	SH		OTR		2,821	0	0
PFIZER INC	COM	717081103	1,629	31,075	SH		SOLE		31,075	0	0
PFIZER INC	COM	717081103	77	1,475	SH		OTR		1,475	0	0
PHILIP MORRIS INTL INC	COM	718172109	319	3,231	SH		SOLE		3,231	0	0
PHILIP MORRIS INTL INC	COM	718172109	74	750	SH		OTR		750	0	0
PHILLIPS 66	COM	718546104	351	4,282	SH		SOLE		4,282	0	0
PLYMOUTH INDL REIT INC	COM	729640102	1,235	70,426	SH		SOLE		70,426	0	0
PRICE T ROWE GROUP INC	COM	74144T108	4,439	39,070	SH		SOLE		39,070	0	0
PRICE T ROWE GROUP INC	COM	74144T108	44	384	SH		OTR		384	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,756	33,076	SH		SOLE		33,076	0	0
PROCTER AND GAMBLE CO	COM	742718109	750	5,218	SH		OTR		5,218	0	0
PROLOGIS INC.	COM	74340W103	991	8,424	SH		SOLE		8,424	0	0
PROLOGIS INC.	COM	74340W103	12	99	SH		OTR		99	0	0
PUBLIC STORAGE	COM	74460D109	3,170	10,137	SH		SOLE		10,137	0	0
PUBLIC STORAGE	COM	74460D109	13	40	SH		OTR		40	0	0
QUALCOMM INC	COM	747525103	5,447	42,644	SH		SOLE		42,644	0	0
QUALCOMM INC	COM	747525103	20	155	SH		OTR		155	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	321	2,415	SH		SOLE		2,415	0	0
QUEST DIAGNOSTICS INC	COM	74834L100	17	125	SH		OTR		125	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	5,621	58,481	SH		SOLE		58,481	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	52	538	SH		OTR		538	0	0
RESMED INC	COM	761152107	5,823	27,779	SH		SOLE		27,779	0	0
RESMED INC	COM	761152107	37	175	SH		OTR		175	0	0
SHELL PLC	SPON ADS	780259305	394	7,538	SH		SOLE		7,538	0	0
SHELL PLC	SPON ADS	780259305	18	350	SH		OTR		350	0	0
S&P GLOBAL INC	COM	78409V104	5,039	14,950	SH		SOLE		14,950	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,748	7,284	SH		SOLE		7,284	0	0
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	4,953	96,395	SH		SOLE		96,395	0	0
SPDR SER TR	S&P DIVID ETF	78464A763	237	2,000	SH		SOLE		2,000	0	0
SPDR SER TR	S&P BK ETF	78464A797	1,919	43,738	SH		SOLE		43,738	0	0
SPDR SER TR	S&P BK ETF	78464A797	48	1,084	SH		OTR		1,084	0	0
SPDR SER TR	S&P 600 SML CAP	78464A813	358	4,468	SH		SOLE		4,468	0	0
SPDR SER TR	PORTFOLIO S&P400	78464A847	472	11,903	SH		SOLE		11,903	0	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	4,399	10,639	SH		SOLE		10,639	0	0
1SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	12	30	SH		OTR		30	0	0
SPDR SER TR	PORTFOLIO SH TSR	78468R101	40,282	1,367,810	SH		SOLE		367,810	0	0
SPDR SER TR	PORTFOLIO SH TSR	78468R101	218	7,393	SH		OTR		7,393	0	0
SPDR SER TR	BLOOMBERG HIGH Y	78468R622	533	5,879	SH		SOLE		5,879	0	0
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	213	4,504	SH		SOLE		4,504	0	0
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	1,100	22,360	SH		SOLE		22,360	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	16,331	292,663	SH		SOLE		292,663	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	59	1,066	SH		OTR		1,066	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	2,654	37,113	SH		SOLE		37,113	0	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	17	236	SH		OTR		236	0	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	497	5,686	SH		SOLE		5,686	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	634	4,991	SH		SOLE		4,991	0	0
SOUTHERN CO	COM	842587107	576	8,071	SH		SOLE		8,071	0	0
SOUTHERN CO	COM	842587107	11	150	SH		OTR		150	0	0
STARBUCKS CORP	COM	855244109	5,619	73,559	SH		SOLE		73,559	0	0
STARBUCKS CORP	COM	855244109	13	164	SH		OTR		164	0	0
STATE STR CORP	COM	857477103	274	4,444	SH		SOLE		4,444	0	0
STRYKER CORPORATION	COM	863667101	7,490	37,652	SH		SOLE		37,652	0	0
STRYKER CORPORATION	COM	863667101	39	194	SH		OTR		194	0	0
SYSCO CORP	COM	871829107	350	4,133	SH		SOLE		4,133	0	0
TJX COS INC NEW	COM	872540109	4,922	88,133	SH		SOLE		88,133	0	0
TJX COS INC NEW	COM	872540109	10	179	SH		OTR		179	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	2,766	33,836	SH		SOLE		33,836	0	0
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	36	445	SH		OTR		445	0	0
TARGET CORP	COM	87612E106	1,497	10,597	SH		SOLE		10,597	0	0
TEXAS INSTRS INC	COM	882508104	1,603	10,432	SH		SOLE		10,432	0	0
TEXAS INSTRS INC	COM	882508104	23	150	SH		OTR		150	0	0
TEXTRON INC	COM	883203101	1,856	30,385	SH		SOLE		30,385	0	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	591	1,087	SH		SOLE		1,087	0	0
3M CO	COM	88579Y101	6,166	47,648	SH		SOLE		47,648	0	0
3M CO	COM	88579Y101	221	1,708	SH		OTR		1,708	0	0
TORO CO	COM	891092108	5,152	67,971	SH		SOLE		67,971	0	0
TORO CO	COM	891092108	37	492	SH		OTR		492	0	0
TORONTO DOMINION BK ONT	COM NEW	891160509	578	8,819	SH		SOLE		8,819	0	0
TRACTOR SUPPLY CO	COM	892356106	4,338	22,376	SH		SOLE		22,376	0	0
TRACTOR SUPPLY CO	COM	892356106	23	119	SH		OTR		119	0	0
TRAVELERS COMPANIES INC	COM	89417E109	200	1,183	SH		SOLE		1,183	0	0
TRAVELERS COMPANIES INC	COM	89417E109	7	40	SH		OTR		40	0	0
TRUIST FINL CORP	COM	89832Q109	1,462	30,814	SH		SOLE		30,814	0	0
TRUIST FINL CORP	COM	89832Q109	23	484	SH		OTR		484	0	0
US BANCORP DEL	COM NEW	902973304	6,756	146,796	SH		SOLE		146,796	0	0
US BANCORP DEL	COM NEW	902973304	50	1,097	SH		OTR		1,097	0	0
UNION PAC CORP	COM	907818108	5,013	23,504	SH		SOLE		23,504	0	0
UNION PAC CORP	COM	907818108	481	2,255	SH		OTR		2,255	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	7,817	15,219	SH		SOLE		15,219	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	76	147	SH		OTR		147	0	0
V F CORP	COM	918204108	467	10,584	SH		SOLE		10,584	0	0
V F CORP	COM	918204108	22	508	SH		OTR		508	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	1,363	9,503	SH		SOLE		9,503	0	0
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	26,113	336,286	SH		SOLE		336,286	0	0
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	92	1,180	SH		OTR		1,180	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	232	3,021	SH		SOLE		3,021	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	9,855	241,554	SH		SOLE		241,554	0	0
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	24	594	SH		OTR		594	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	15,856	258,664	SH		SOLE		258,664	0	0
VANGUARD WHITEHALL FDS	EM MK GOV BD ETF	921946885	67	1,095	SH		OTR		1,095	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	439	4,409	SH		SOLE		4,409	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	2,723	65,367	SH		SOLE		65,367	0	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	45	1,075	SH		OTR		1,075	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	296	3,880	SH		SOLE		3,880	0	0
1VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	27,421	342,678	SH		SOLE		342,678	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	175	2,183	SH		OTR		2,183	0	0
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	4,137	82,880	SH		SOLE		82,880	0	0
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	1,483	4,276	SH		SOLE		4,276	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	228	1,025	SH		SOLE		1,025	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	347	2,632	SH		SOLE		2,632	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	269	1,427	SH		SOLE		1,427	0	0
VERISIGN INC	COM	92343E102	1,929	11,530	SH		SOLE		11,530	0	0
VERISIGN INC	COM	92343E102	1	5	SH		OTR		5	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	5,999	118,202	SH		SOLE		118,202	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	111	2,196	SH		OTR		2,196	0	0
VISA INC	COM CL A	92826C839	8,693	44,152	SH		SOLE		44,152	0	0
VISA INC	COM CL A	92826C839	60	305	SH		OTR		305	0	0
WEC ENERGY GROUP INC	COM	92939U106	3,619	35,961	SH		SOLE		35,961	0	0
WEC ENERGY GROUP INC	COM	92939U106	52	520	SH		OTR		520	0	0
WALMART INC	COM	931142103	217	1,781	SH		SOLE		1,781	0	0
WALGREENS BOOTS ALLIANCE INC	COM	931427108	237	6,264	SH		SOLE		6,264	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	1,745	130,045	SH		SOLE		130,045	0	0
WARNER BROS DISCOVERY INC	COM SER A	934423104	11	788	SH		OTR		788	0	0
WELLS FARGO CO NEW	COM	949746101	214	5,473	SH		SOLE		5,473	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	209	1,986	SH		SOLE		1,986	0	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	11	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
Phone:	17747229053

Number of Other Included Managers:	0
Form 13F Information table Entry Total:	315
Form 13F Information table Value Total:	890436 (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: