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SEC FORM 13F-HR

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 COVER PAGE
OMB APPROVAL
OMB Number: 3235-0006
Expires: Oct 31, 2018
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 09-30-2023
Check here if Amendment    Amendment Number:
This Amendment (Check only one.):    is a restatement.
   adds new holdings entries.
Institutional Investment Manager Filing this Report:
Name: BANK OZK
Address: 18000 CANTRELL ROAD
LITTLE ROCK, AR  72223
Form 13F File Number: 028-15250

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

Person Signing this Report on Behalf of Reporting Manager:
Name: SHEILA MAYDEN
Title: EVP CORPORATE TRUST MANAGER
Phone: 501-978-2218
Signature, Place, and Date of Signing:
/s/ SHEILA MAYDEN LITTLE ROCK,  AR 11-13-2023
[Signature] [City, State] [Date]
Report Type (Check only one.):
X 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
   13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
   13F COMBINATION REPORT. (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)
Form 13F Summary Page
Report Summary:
Number of Other Included Managers: 0
Form 13F Information Table Entry Total: 255
Form 13F Information Table Value Total: 182,227,268
(thousands)
List of Other Included Managers:
Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.
[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]
NONE
SEC FORM 13-F Information Table

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
Expires: Oct 31, 2018
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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,314,123 4,279 SH   SOLE   4,279 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 167,374 545 SH   OTR   466 79 0
INVESCO LTD SHS G491BT108 585,969 40,356 SH   SOLE   40,356 0 0
INVESCO LTD SHS G491BT108 41,091 2,830 SH   OTR   1,985 845 0
MEDTRONIC PLC SHS G5960L103 1,263,868 16,129 SH   SOLE   16,129 0 0
MEDTRONIC PLC SHS G5960L103 786,499 10,037 SH   OTR   9,562 270 205
NXP SEMICONDUCTORS N V COM N6596X109 1,433,226 7,169 SH   SOLE   7,169 0 0
NXP SEMICONDUCTORS N V COM N6596X109 219,112 1,096 SH   OTR   897 149 50
AFLAC INC COM 001055102 1,941,775 25,300 SH   OTR   25,300 0 0
AT&T INC COM 00206R102 418,337 27,852 SH   SOLE   27,230 522 100
AT&T INC COM 00206R102 253,297 16,864 SH   OTR   8,864 8,000 0
ABBOTT LABS COM 002824100 709,910 7,330 SH   SOLE   6,980 350 0
ABBOTT LABS COM 002824100 988,838 10,210 SH   OTR   10,210 0 0
ABBVIE INC COM 00287Y109 2,442,049 16,383 SH   SOLE   16,283 100 0
ABBVIE INC COM 00287Y109 1,931,072 12,955 SH   OTR   12,955 0 0
ADOBE INC COM 00724F101 226,905 445 SH   SOLE   445 0 0
ADOBE INC COM 00724F101 44,361 87 SH   OTR   0 0 87
ALLSTATE CORP COM 020002101 143,050 1,284 SH   SOLE   1,284 0 0
ALLSTATE CORP COM 020002101 565,628 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107 365,092 2,769 SH   SOLE   2,769 0 0
ALPHABET INC CAP STK CL A 02079K305 2,441,324 18,656 SH   SOLE   18,656 0 0
ALPHABET INC CAP STK CL A 02079K305 425,425 3,251 SH   OTR   3,251 0 0
ALTRIA GROUP INC COM 02209S103 292,247 6,950 SH   SOLE   6,230 720 0
ALTRIA GROUP INC COM 02209S103 84,100 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106 695,346 5,470 SH   SOLE   5,470 0 0
AMAZON COM INC COM 023135106 38,136 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101 263,044 3,497 SH   SOLE   3,497 0 0
AMERICAN ELEC PWR CO INC COM 025537101 174,510 2,320 SH   OTR   1,350 970 0
AMERIPRISE FINL INC COM 03076C106 946,181 2,870 SH   SOLE   2,870 0 0
AMERIPRISE FINL INC COM 03076C106 95,277 289 SH   OTR   178 111 0
AMGEN INC COM 031162100 2,699,156 10,043 SH   SOLE   9,993 50 0
AMGEN INC COM 031162100 373,038 1,388 SH   OTR   1,275 113 0
APPLE INC COM 037833100 9,886,863 57,747 SH   SOLE   57,284 413 50
APPLE INC COM 037833100 1,513,325 8,839 SH   OTR   7,023 579 1,237
APPLIED MATLS INC COM 038222105 3,473,295 25,087 SH   SOLE   25,087 0 0
APPLIED MATLS INC COM 038222105 432,656 3,125 SH   OTR   3,125 0 0
ARES CAPITAL CORP COM 04010L103 233,640 12,000 SH   SOLE   12,000 0 0
ARES CAPITAL CORP COM 04010L103 564,630 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM 040413106 1,284,934 6,986 SH   SOLE   6,986 0 0
ARISTA NETWORKS INC COM 040413106 93,068 506 SH   OTR   298 208 0
AUTOMATIC DATA PROCESSING IN COM 053015103 93,585 389 SH   SOLE   389 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,681,654 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101 1,068,909 6,224 SH   SOLE   6,224 0 0
AVALONBAY CMNTYS INC COM 053484101 144,948 844 SH   OTR   739 105 0
BANK AMERICA CORP COM 060505104 1,954,932 71,400 SH   SOLE   70,567 50 783
BANK AMERICA CORP COM 060505104 406,894 14,861 SH   OTR   10,071 608 4,182
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 79,518 227 SH   SOLE   227 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 138,018 394 SH   OTR   103 0 291
BLACKROCK INC COM 09247X101 1,022,100 1,581 SH   SOLE   1,581 0 0
BLACKROCK INC COM 09247X101 82,750 128 SH   OTR   43 60 25
BLACKSTONE INC COM 09260D107 928,046 8,662 SH   SOLE   8,662 0 0
BLACKSTONE INC COM 09260D107 87,104 813 SH   OTR   485 328 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 889,239 8,138 SH   SOLE   8,138 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106 198,871 1,820 SH   OTR   750 1,070 0
BRISTOL-MYERS SQUIBB CO COM 110122108 782,727 13,486 SH   SOLE   12,936 500 50
BRISTOL-MYERS SQUIBB CO COM 110122108 157,288 2,710 SH   OTR   1,410 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 716,200 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101 531,571 640 SH   SOLE   640 0 0
BROADCOM INC COM 11135F101 103,822 125 SH   OTR   0 105 20
CVS HEALTH CORP COM 126650100 460,393 6,594 SH   SOLE   6,594 0 0
CVS HEALTH CORP COM 126650100 27,229 390 SH   OTR   390 0 0
CAPITAL ONE FINL CORP COM 14040H105 681,388 7,021 SH   SOLE   7,021 0 0
CAPITAL ONE FINL CORP COM 14040H105 31,541 325 SH   OTR   325 0 0
CHEVRON CORP NEW COM 166764100 2,018,887 11,973 SH   SOLE   11,848 125 0
CHEVRON CORP NEW COM 166764100 336,059 1,993 SH   OTR   1,993 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 1,597,355 872 SH   SOLE   872 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 172,192 94 SH   OTR   73 21 0
CISCO SYS INC COM 17275R102 1,828,377 34,010 SH   SOLE   33,710 200 100
CISCO SYS INC COM 17275R102 215,631 4,011 SH   OTR   3,861 150 0
CITIGROUP INC COM NEW 172967424 385,429 9,371 SH   SOLE   9,371 0 0
CITIGROUP INC COM NEW 172967424 30,600 744 SH   OTR   369 375 0
COCA COLA CO COM 191216100 1,167,015 20,847 SH   SOLE   20,397 400 50
COCA COLA CO COM 191216100 458,812 8,196 SH   OTR   7,833 363 0
COMCAST CORP NEW CL A 20030N101 450,006 10,149 SH   SOLE   10,149 0 0
COMCAST CORP NEW CL A 20030N101 166,629 3,758 SH   OTR   400 1,000 2,358
CONOCOPHILLIPS COM 20825C104 567,133 4,734 SH   SOLE   4,559 175 0
CONOCOPHILLIPS COM 20825C104 209,650 1,750 SH   OTR   1,750 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,522,002 2,694 SH   SOLE   2,694 0 0
COSTCO WHSL CORP NEW COM 22160K105 183,047 324 SH   OTR   273 51 0
CROWN CASTLE INC COM 22822V101 65,433 711 SH   SOLE   711 0 0
CROWN CASTLE INC COM 22822V101 227,774 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105 323,414 857 SH   SOLE   857 0 0
DOLLAR GEN CORP NEW COM 256677105 611,841 5,783 SH   SOLE   5,783 0 0
DOLLAR GEN CORP NEW COM 256677105 64,326 608 SH   OTR   507 101 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,467,763 16,630 SH   SOLE   16,630 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 484,282 5,487 SH   OTR   3,457 235 1,795
DUPONT DE NEMOURS INC COM 26614N102 1,289,810 17,292 SH   SOLE   17,292 0 0
DUPONT DE NEMOURS INC COM 26614N102 95,997 1,287 SH   OTR   884 403 0
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 64,866 1,659 SH   SOLE   86 0 1,573
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 161,483 4,130 SH   OTR   0 0 4,130
EASTMAN CHEM CO COM 277432100 194,715 2,538 SH   SOLE   2,538 0 0
EASTMAN CHEM CO COM 277432100 103,572 1,350 SH   OTR   0 1,350 0
ELECTRONIC ARTS INC COM 285512109 938,758 7,797 SH   SOLE   7,797 0 0
ELECTRONIC ARTS INC COM 285512109 61,283 509 SH   OTR   334 175 0
EMERSON ELEC CO COM 291011104 371,794 3,850 SH   SOLE   3,557 0 293
EMERSON ELEC CO COM 291011104 163,203 1,690 SH   OTR   0 1,690 0
ENTERGY CORP NEW COM 29364G103 315,702 3,413 SH   SOLE   3,413 0 0
ENTERGY CORP NEW COM 29364G103 55,500 600 SH   OTR   0 600 0
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 268,972 5,341 SH   SOLE   643 0 4,698
EXCHANGE TRADED CONCEPTS TR ROBO GLB ETF 301505707 1,035,754 20,567 SH   OTR   14,315 0 6,252
EXXON MOBIL CORP COM 30231G102 2,078,931 17,681 SH   SOLE   15,860 0 1,821
EXXON MOBIL CORP COM 30231G102 505,946 4,303 SH   OTR   4,303 0 0
META PLATFORMS INC CL A 30303M102 90,663 302 SH   SOLE   302 0 0
META PLATFORMS INC CL A 30303M102 117,081 390 SH   OTR   0 0 390
FEDEX CORP COM 31428X106 484,803 1,830 SH   SOLE   1,830 0 0
FORTINET INC COM 34959E109 2,713,656 46,245 SH   SOLE   46,245 0 0
FORTINET INC COM 34959E109 466,506 7,950 SH   OTR   7,825 125 0
GENUINE PARTS CO COM 372460105 302,331 2,094 SH   SOLE   2,094 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 95,453 295 SH   SOLE   295 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 136,870 423 SH   OTR   0 0 423
HOME DEPOT INC COM 437076102 1,468,195 4,859 SH   SOLE   4,714 20 125
HOME DEPOT INC COM 437076102 133,554 442 SH   OTR   442 0 0
HONEYWELL INTL INC COM 438516106 1,823,014 9,868 SH   SOLE   9,793 75 0
HONEYWELL INTL INC COM 438516106 382,781 2,072 SH   OTR   1,479 143 450
HOST HOTELS & RESORTS INC COM 44107P104 179,984 11,200 SH   OTR   0 0 11,200
HUNT J B TRANS SVCS INC COM 445658107 212,839 1,129 SH   SOLE   1,129 0 0
HUNT J B TRANS SVCS INC COM 445658107 113,112 600 SH   OTR   600 0 0
ILLINOIS TOOL WKS INC COM 452308109 651,086 2,827 SH   SOLE   2,827 0 0
ILLINOIS TOOL WKS INC COM 452308109 35,698 155 SH   OTR   0 155 0
INTEL CORP COM 458140100 293,856 8,266 SH   SOLE   8,266 0 0
INTEL CORP COM 458140100 293,287 8,250 SH   OTR   8,250 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 153,723 2,255 SH   SOLE   2,255 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 52,013 763 SH   OTR   0 763 0
INVESCO SR INCOME TR COM 46131H107 150,947 38,507 SH   SOLE   38,507 0 0
INVESCO SR INCOME TR COM 46131H107 181,829 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332 244,134 8,910 SH   OTR   0 0 8,910
IQVIA HLDGS INC COM 46266C105 244,757 1,244 SH   SOLE   1,244 0 0
IQVIA HLDGS INC COM 46266C105 3,935 20 SH   OTR   20 0 0
ISHARES GOLD TR ISHARES NEW 464285204 301,123 8,606 SH   SOLE   1,219 0 7,387
ISHARES GOLD TR ISHARES NEW 464285204 1,088,923 31,121 SH   OTR   0 0 31,121
ISHARES TR CORE S&P500 ETF 464287200 424,276 988 SH   SOLE   988 0 0
ISHARES TR CORE S&P500 ETF 464287200 676,352 1,575 SH   OTR   0 1,400 175
ISHARES TR S&P 500 GRWT ETF 464287309 159,350 2,329 SH   SOLE   2,329 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 90,382 1,321 SH   OTR   1,321 0 0
ISHARES TR S&P 500 VAL ETF 464287408 156,609 1,018 SH   SOLE   1,018 0 0
ISHARES TR S&P 500 VAL ETF 464287408 92,611 602 SH   OTR   602 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,342,768 19,483 SH   SOLE   19,032 0 451
ISHARES TR MSCI EAFE ETF 464287465 458,386 6,651 SH   OTR   4,571 150 1,930
ISHARES TR CORE S&P MCP ETF 464287507 229,402 920 SH   SOLE   920 0 0
ISHARES TR CORE S&P MCP ETF 464287507 68,321 274 SH   OTR   0 0 274
ISHARES TR RUS 2000 GRW ETF 464287648 215,184 960 SH   SOLE   960 0 0
ISHARES TR CORE S&P US VLU 464287663 215,427 2,887 SH   SOLE   0 0 2,887
ISHARES TR CORE S&P SCP ETF 464287804 863,968 9,159 SH   SOLE   9,159 0 0
ISHARES TR CORE S&P SCP ETF 464287804 106,592 1,130 SH   OTR   760 275 95
ISHARES TR CORE MSCI EAFE 46432F842 226,898 3,526 SH   SOLE   2,391 0 1,135
JPMORGAN CHASE & CO COM 46625H100 2,685,190 18,516 SH   SOLE   18,227 239 50
JPMORGAN CHASE & CO COM 46625H100 576,019 3,972 SH   OTR   3,199 678 95
JACOBS SOLUTIONS INC COM 46982L108 1,574,391 11,534 SH   SOLE   11,534 0 0
JACOBS SOLUTIONS INC COM 46982L108 221,266 1,621 SH   OTR   1,418 203 0
JOHNSON & JOHNSON COM 478160104 1,180,585 7,580 SH   SOLE   7,320 260 0
JOHNSON & JOHNSON COM 478160104 245,150 1,574 SH   OTR   1,574 0 0
ELI LILLY & CO COM 532457108 5,354,648 9,969 SH   SOLE   9,969 0 0
ELI LILLY & CO COM 532457108 1,226,267 2,283 SH   OTR   2,179 104 0
LOCKHEED MARTIN CORP COM 539830109 1,623,571 3,970 SH   SOLE   3,970 0 0
LOCKHEED MARTIN CORP COM 539830109 335,347 820 SH   OTR   470 350 0
LOWES COS INC COM 548661107 692,730 3,333 SH   SOLE   3,333 0 0
LOWES COS INC COM 548661107 448,934 2,160 SH   OTR   800 0 1,360
LULULEMON ATHLETICA INC COM 550021109 1,133,693 2,940 SH   SOLE   2,940 0 0
LULULEMON ATHLETICA INC COM 550021109 219,026 568 SH   OTR   379 57 132
MARRIOTT INTL INC NEW CL A 571903202 990,072 5,037 SH   SOLE   5,037 0 0
MARRIOTT INTL INC NEW CL A 571903202 70,171 357 SH   OTR   234 123 0
MASTERCARD INCORPORATED CL A 57636Q104 3,347,023 8,454 SH   SOLE   8,454 0 0
MASTERCARD INCORPORATED CL A 57636Q104 376,114 950 SH   OTR   870 80 0
MCDONALDS CORP COM 580135101 1,008,711 3,829 SH   SOLE   3,542 190 97
MCDONALDS CORP COM 580135101 52,688 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103 1,511,103 3,475 SH   SOLE   3,475 0 0
MCKESSON CORP COM 58155Q103 175,244 403 SH   OTR   315 88 0
MERCK & CO INC COM 58933Y105 3,214,099 31,220 SH   SOLE   30,190 630 400
MERCK & CO INC COM 58933Y105 1,111,962 10,801 SH   OTR   10,556 0 245
MICROSOFT CORP COM 594918104 6,376,887 20,196 SH   SOLE   19,996 200 0
MICROSOFT CORP COM 594918104 3,009,097 9,530 SH   OTR   8,600 440 490
MICROCHIP TECHNOLOGY INC. COM 595017104 180,685 2,315 SH   SOLE   2,315 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 138,070 1,769 SH   OTR   1,769 0 0
NETFLIX INC COM 64110L106 722,348 1,913 SH   SOLE   1,913 0 0
NETFLIX INC COM 64110L106 67,212 178 SH   OTR   105 73 0
NEXTERA ENERGY INC COM 65339F101 671,839 11,727 SH   SOLE   11,015 712 0
NEXTERA ENERGY INC COM 65339F101 77,341 1,350 SH   OTR   550 800 0
NIKE INC CL B 654106103 1,052,202 11,004 SH   SOLE   11,004 0 0
NIKE INC CL B 654106103 235,129 2,459 SH   OTR   2,248 211 0
GEN DIGITAL INC COM 668771108 598,061 33,827 SH   SOLE   33,827 0 0
GEN DIGITAL INC COM 668771108 68,580 3,879 SH   OTR   3,293 586 0
NUCOR CORP COM 670346105 952,953 6,095 SH   SOLE   6,095 0 0
NUCOR CORP COM 670346105 381,650 2,441 SH   OTR   2,441 0 0
NVIDIA CORPORATION COM 67066G104 3,098,433 7,123 SH   SOLE   7,123 0 0
NVIDIA CORPORATION COM 67066G104 409,760 942 SH   OTR   485 457 0
ORACLE CORP COM 68389X105 230,270 2,174 SH   SOLE   2,174 0 0
PAYCHEX INC COM 704326107 252,572 2,190 SH   SOLE   2,190 0 0
PEPSICO INC COM 713448108 2,078,012 12,264 SH   SOLE   11,769 345 150
PEPSICO INC COM 713448108 1,757,431 10,372 SH   OTR   9,297 1,030 45
PFIZER INC COM 717081103 639,418 19,277 SH   SOLE   18,386 493 398
PFIZER INC COM 717081103 550,356 16,592 SH   OTR   16,592 0 0
PHILLIPS 66 COM 718546104 193,681 1,612 SH   SOLE   1,612 0 0
PHILLIPS 66 COM 718546104 156,195 1,300 SH   OTR   1,300 0 0
PIONEER NAT RES CO COM 723787107 935,416 4,075 SH   SOLE   4,075 0 0
PIONEER NAT RES CO COM 723787107 81,490 355 SH   OTR   210 145 0
PROCTER AND GAMBLE CO COM 742718109 1,327,763 9,103 SH   SOLE   8,544 255 304
PROCTER AND GAMBLE CO COM 742718109 1,595,708 10,940 SH   OTR   10,580 300 60
PRUDENTIAL FINL INC COM 744320102 565,544 5,960 SH   SOLE   5,960 0 0
PRUDENTIAL FINL INC COM 744320102 54,182 571 SH   OTR   424 147 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 898,495 15,788 SH   SOLE   15,788 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 198,672 3,491 SH   OTR   2,041 1,450 0
PUBLIC STORAGE COM 74460D109 106,725 405 SH   SOLE   405 0 0
PUBLIC STORAGE COM 74460D109 238,485 905 SH   OTR   0 0 905
QUANTA SVCS INC COM 74762E102 1,493,566 7,984 SH   SOLE   7,984 0 0
QUANTA SVCS INC COM 74762E102 141,611 757 SH   OTR   614 143 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,977,095 4,625 SH   SOLE   4,625 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 683,968 1,600 SH   OTR   0 1,600 0
SPDR SER TR S&P DIVID ETF 78464A763 407,595 3,544 SH   SOLE   3,544 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,150,100 10,000 SH   OTR   0 10,000 0
SPDR SER TR S&P BIOTECH 78464A870 42,935 588 SH   SOLE   60 0 528
SPDR SER TR S&P BIOTECH 78464A870 428,189 5,864 SH   OTR   0 0 5,864
SALESFORCE INC COM 79466L302 795,505 3,923 SH   SOLE   3,923 0 0
SALESFORCE INC COM 79466L302 191,627 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107 283,150 4,375 SH   SOLE   4,275 0 100
SOUTHERN CO COM 842587107 692,504 10,700 SH   OTR   10,000 700 0
STARBUCKS CORP COM 855244109 453,338 4,967 SH   SOLE   4,967 0 0
STARWOOD PPTY TR INC COM 85571B105 118,035 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105 437,310 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109 2,377,984 26,755 SH   SOLE   26,355 400 0
TJX COS INC NEW COM 872540109 322,634 3,630 SH   OTR   3,530 0 100
T-MOBILE US INC COM 872590104 1,563,098 11,161 SH   SOLE   11,161 0 0
T-MOBILE US INC COM 872590104 150,833 1,077 SH   OTR   861 216 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,119,967 12,888 SH   SOLE   12,888 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 128,525 1,479 SH   OTR   1,047 432 0
TARGET CORP COM 87612EAP1 189,627 1,715 SH   SOLE   1,715 0 0
TARGET CORP COM 87612EAP1 41,021 371 SH   OTR   30 341 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,745,274 3,448 SH   SOLE   3,448 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 7,592 15 SH   OTR   0 0 15
TOLL BROTRS INC COM 889478103 721,701 9,758 SH   SOLE   9,758 0 0
TOLL BROTRS INC COM 889478103 108,425 1,466 SH   OTR   1,252 214 0
TRUIST FINL CORP COM 89832Q109 533,490 18,647 SH   SOLE   18,647 0 0
TRUIST FINL CORP COM 89832Q109 419,994 14,680 SH   OTR   9,500 0 5,180
UNION PAC CORP COM 907818108 1,965,436 9,652 SH   SOLE   9,652 0 0
UNION PAC CORP COM 907818108 202,000 992 SH   OTR   684 308 0
UNITED PARCEL SERVICE INC CL B 911312106 255,159 1,637 SH   SOLE   1,637 0 0
UNITED PARCEL SERVICE INC CL B 911312106 46,761 300 SH   OTR   300 0 0
UNITEDHEALTH GROUP INC COM 91324P102 373,100 740 SH   SOLE   740 0 0
UNITEDHEALTH GROUP INC COM 91324P102 20,167 40 SH   OTR   40 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 209,918 1,351 SH   SOLE   1,351 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 207,673 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 541,876 7,162 SH   SOLE   4,307 0 2,855
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 856,622 11,322 SH   OTR   0 723 10,599
VANGUARD INDEX FDS LARGE CAP ETF 922908637 194,711 995 SH   SOLE   600 0 395
VANGUARD INDEX FDS LARGE CAP ETF 922908637 485,506 2,481 SH   OTR   167 0 2,314
VERIZON COMMUNICATIONS INC COM 92343V104 779,654 24,056 SH   SOLE   23,230 400 426
VERIZON COMMUNICATIONS INC COM 92343V104 495,775 15,297 SH   OTR   15,297 0 0
VISA INC COM CL A 92826C839 90,393 393 SH   SOLE   393 0 0
VISA INC COM CL A 92826C839 120,985 526 SH   OTR   0 0 526
WALMART INC COM 931142103 1,110,234 6,942 SH   SOLE   6,892 0 50
WALMART INC COM 931142103 125,545 785 SH   OTR   300 400 85
WASTE MGMT INC DEL COM 94106L109 365,856 2,400 SH   SOLE   2,400 0 0
WASTE MGMT INC DEL COM 94106L109 222,562 1,460 SH   OTR   1,460 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 472,314 10,210 SH   OTR   0 0 10,210
ZOETIS INC CL A 98978V103 870,421 5,003 SH   SOLE   5,003 0 0
ZOETIS INC CL A 98978V103 90,121 518 SH   OTR   371 147 0