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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
Estimated average burden
hours per response: 23.8
Report for the Calendar Year or Quarter Ended: 12-31-2024
Check here if Amendment checkbox unchecked Amendment Number:
This Amendment (Check only one.): checkbox unchecked is a restatement.
checkbox unchecked 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
CRD Number (if applicable):
SEC File Number (if applicable):

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 02-04-2025
[Signature] [City, State] [Date]
Report Type (Check only one.):
checkbox checked 13F HOLDINGS REPORT. (Check here if all holdings of this reporting manager are reported in this report.)
checkbox unchecked 13F NOTICE. (Check here if no holdings reported are in this report, and all holdings are reported by other reporting manager(s).)
checkbox unchecked 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: 266
Form 13F Information Table Value Total: 241,123,163
(round to nearest dollar)
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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   270,878 770 SH   SOLE   770 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   21,107 60 SH   OTR   60 0 0
MEDTRONIC PLC SHS G5960L103   494,776 6,194 SH   SOLE   6,194 0 0
MEDTRONIC PLC SHS G5960L103   704,941 8,825 SH   OTR   8,620 0 205
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   240,287 2,784 SH   SOLE   2,784 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   2,340,940 6,338 SH   SOLE   6,338 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   203,142 550 SH   OTR   416 134 0
NXP SEMICONDUCTORS N V COM N6596X109   1,753,214 8,435 SH   SOLE   8,435 0 0
NXP SEMICONDUCTORS N V COM N6596X109   226,556 1,090 SH   OTR   876 134 80
AFLAC INC COM 001055102   2,327,400 22,500 SH   OTR   22,500 0 0
AT&T INC COM 00206R102   424,751 18,654 SH   SOLE   17,964 690 0
AT&T INC COM 00206R102   18,534 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   732,387 6,475 SH   SOLE   6,125 350 0
ABBOTT LABS COM 002824100   1,149,197 10,160 SH   OTR   10,160 0 0
ABBVIE INC COM 00287Y109   2,618,587 14,736 SH   SOLE   14,636 100 0
ABBVIE INC COM 00287Y109   2,248,793 12,655 SH   OTR   12,655 0 0
ADOBE INC COM 00724F101   181,429 408 SH   SOLE   408 0 0
ADOBE INC COM 00724F101   72,038 162 SH   OTR   0 0 162
ALLSTATE CORP COM 020002101   213,996 1,110 SH   SOLE   1,110 0 0
ALLSTATE CORP COM 020002101   978,794 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   432,679 2,272 SH   SOLE   2,272 0 0
ALPHABET INC CAP STK CL A 02079K305   2,622,751 13,855 SH   SOLE   13,704 151 0
ALPHABET INC CAP STK CL A 02079K305   681,290 3,599 SH   OTR   3,200 0 399
ALTRIA GROUP INC COM 02209S103   259,567 4,964 SH   SOLE   4,244 720 0
ALTRIA GROUP INC COM 02209S103   104,580 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   783,880 3,573 SH   SOLE   3,432 141 0
AMAZON COM INC COM 023135106   65,817 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   306,019 3,318 SH   SOLE   3,318 0 0
AMERICAN ELEC PWR CO INC COM 025537101   213,973 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   2,088,511 7,037 SH   SOLE   7,037 0 0
AMERICAN EXPRESS CO COM 025816109   120,496 406 SH   OTR   251 155 0
AMERIPRISE FINL INC COM 03076C106   2,251,646 4,229 SH   SOLE   4,229 0 0
AMERIPRISE FINL INC COM 03076C106   139,496 262 SH   OTR   151 111 0
AMGEN INC COM 031162100   2,742,454 10,522 SH   SOLE   10,472 50 0
AMGEN INC COM 031162100   333,358 1,279 SH   OTR   1,093 111 75
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   87,723 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   234,471 4,044 SH   OTR   0 0 4,044
APPLE INC COM 037833100   13,233,444 52,845 SH   SOLE   52,225 620 0
APPLE INC COM 037833100   2,049,437 8,184 SH   OTR   6,663 515 1,006
APPLIED MATLS INC COM 038222105   3,434,745 21,120 SH   SOLE   21,120 0 0
APPLIED MATLS INC COM 038222105   502,526 3,090 SH   OTR   3,090 0 0
ARES CAPITAL CORP COM 04010L103   266,248 12,163 SH   SOLE   12,163 0 0
ARES CAPITAL CORP COM 04010L103   634,810 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM SHS 040413205   3,638,316 32,917 SH   SOLE   32,917 0 0
ARISTA NETWORKS INC COM SHS 040413205   239,186 2,164 SH   OTR   1,264 900 0
AUTOMATIC DATA PROCESSING IN COM 053015103   115,628 395 SH   SOLE   395 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,046,182 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,569,265 7,134 SH   SOLE   7,134 0 0
AVALONBAY CMNTYS INC COM 053484101   182,135 828 SH   OTR   723 105 0
BANK AMERICA CORP COM 060505104   2,262,370 51,476 SH   SOLE   50,693 0 783
BANK AMERICA CORP COM 060505104   654,019 14,881 SH   OTR   10,071 508 4,302
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   100,174 221 SH   SOLE   221 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   157,288 347 SH   OTR   77 0 270
BLACKSTONE INC COM 09260D107   2,281,978 13,235 SH   SOLE   13,235 0 0
BLACKSTONE INC COM 09260D107   133,453 774 SH   OTR   446 328 0
BLACKROCK INC COM 09290D101   1,249,609 1,219 SH   SOLE   1,219 0 0
BLACKROCK INC COM 09290D101   103,536 101 SH   OTR   41 50 10
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   326,471 6,506 SH   SOLE   6,506 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   673,744 5,235 SH   SOLE   5,235 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   175,932 1,367 SH   OTR   297 1,070 0
BRISTOL-MYERS SQUIBB CO COM 110122108   386,700 6,837 SH   SOLE   6,337 500 0
BRISTOL-MYERS SQUIBB CO COM 110122108   96,152 1,700 SH   OTR   400 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   904,360 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   1,641,890 7,082 SH   SOLE   7,082 0 0
BROADCOM INC COM 11135F101   282,844 1,220 SH   OTR   0 1,050 170
CAPITAL ONE FINL CORP COM 14040H105   890,708 4,995 SH   SOLE   4,995 0 0
CAPITAL ONE FINL CORP COM 14040H105   22,290 125 SH   OTR   125 0 0
CHEVRON CORP NEW COM 166764100   1,498,949 10,349 SH   SOLE   10,172 177 0
CHEVRON CORP NEW COM 166764100   278,527 1,923 SH   OTR   1,923 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   3,244,682 53,809 SH   SOLE   53,514 295 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   307,530 5,100 SH   OTR   4,050 1,050 0
CISCO SYS INC COM 17275R102   1,559,860 26,349 SH   SOLE   26,149 200 0
CISCO SYS INC COM 17275R102   222,651 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   408,176 6,556 SH   SOLE   6,524 32 0
COCA COLA CO COM 191216100   507,045 8,144 SH   OTR   7,781 363 0
COLGATE PALMOLIVE CO COM 194162103   206,365 2,270 SH   SOLE   1,930 340 0
COMCAST CORP NEW CL A 20030N101   193,354 5,152 SH   SOLE   5,092 60 0
COMCAST CORP NEW CL A 20030N101   160,853 4,286 SH   OTR   400 1,000 2,886
CONOCOPHILLIPS COM 20825C104   450,033 4,538 SH   SOLE   4,354 184 0
CONOCOPHILLIPS COM 20825C104   173,547 1,750 SH   OTR   1,750 0 0
CONSOLIDATED EDISON INC COM 209115104   152,137 1,705 SH   SOLE   1,705 0 0
CONSOLIDATED EDISON INC COM 209115104   53,538 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   3,057,592 3,337 SH   SOLE   3,317 20 0
COSTCO WHSL CORP NEW COM 22160K105   284,043 310 SH   OTR   259 51 0
CROWN CASTLE INC COM 22822V101   64,530 711 SH   SOLE   685 26 0
CROWN CASTLE INC COM 22822V101   224,631 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   405,480 957 SH   SOLE   957 0 0
DICKS SPORTING GOODS INC COM 253393102   1,730,945 7,564 SH   SOLE   7,564 0 0
DICKS SPORTING GOODS INC COM 253393102   158,357 692 SH   OTR   592 100 0
DIGITAL RLTY TR INC COM 253868103   209,604 1,182 SH   SOLE   1,182 0 0
DILLARDS INC CL A 254067101   2,050,333 4,749 SH   SOLE   0 0 4,749
DUKE ENERGY CORP NEW COM NEW 26441C204   707,205 6,564 SH   SOLE   6,564 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   568,436 5,276 SH   OTR   3,246 235 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,723,250 22,600 SH   SOLE   22,600 0 0
DUPONT DE NEMOURS INC COM 26614N102   91,500 1,200 SH   OTR   797 403 0
EASTMAN CHEM CO COM 277432100   197,342 2,161 SH   SOLE   2,161 0 0
EASTMAN CHEM CO COM 277432100   123,282 1,350 SH   OTR   0 1,350 0
EMERSON ELEC CO COM 291011104   317,136 2,559 SH   SOLE   2,266 0 293
EMERSON ELEC CO COM 291011104   216,877 1,750 SH   OTR   0 1,690 60
ENTERGY CORP NEW COM 29364G103   510,268 6,730 SH   SOLE   6,730 0 0
ENTERGY CORP NEW COM 29364G103   90,984 1,200 SH   OTR   0 1,200 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   231,847 4,121 SH   SOLE   643 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,134,314 20,162 SH   OTR   13,910 0 6,252
EXXON MOBIL CORP COM 30231G102   1,681,534 15,632 SH   SOLE   15,255 162 215
EXXON MOBIL CORP COM 30231G102   499,124 4,640 SH   OTR   4,303 337 0
META PLATFORMS INC CL A 30303M102   2,535,843 4,331 SH   SOLE   4,292 39 0
META PLATFORMS INC CL A 30303M102   323,201 552 SH   OTR   146 85 321
FIDELITY NATL INFORMATION SV COM 31620M106   1,601,426 19,827 SH   SOLE   19,794 33 0
FIDELITY NATL INFORMATION SV COM 31620M106   88,604 1,097 SH   OTR   657 440 0
FORTINET INC COM 34959E109   3,935,658 41,656 SH   SOLE   41,656 0 0
FORTINET INC COM 34959E109   726,456 7,689 SH   OTR   7,625 64 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   1,550,700 19,835 SH   SOLE   19,835 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   149,245 1,909 SH   OTR   1,411 498 0
GENUINE PARTS CO COM 372460105   260,608 2,232 SH   SOLE   2,217 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   179,230 313 SH   SOLE   298 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   182,093 318 SH   OTR   0 0 318
HP INC COM 40434L105   216,304 6,629 SH   SOLE   6,629 0 0
HOME DEPOT INC COM 437076102   1,774,183 4,561 SH   SOLE   4,394 52 115
HOME DEPOT INC COM 437076102   169,988 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   466,462 2,065 SH   SOLE   1,990 75 0
HONEYWELL INTL INC COM 438516106   320,763 1,420 SH   OTR   874 0 546
HOST HOTELS & RESORTS INC COM 44107P104   196,224 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   566,453 2,234 SH   SOLE   2,234 0 0
ILLINOIS TOOL WKS INC COM 452308109   39,301 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   43,869 2,188 SH   SOLE   2,188 0 0
INTEL CORP COM 458140100   162,405 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   1,748,527 7,954 SH   SOLE   7,954 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   119,587 544 SH   OTR   411 133 0
INVESCO SR INCOME TR COM 46131H107   183,220 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   228,540 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   293,495 5,928 SH   SOLE   1,083 0 4,845
ISHARES GOLD TR ISHARES NEW 464285204   1,478,665 29,866 SH   OTR   0 0 29,866
ISHARES TR CORE S&P TTL STK 464287150   278,976 2,169 SH   SOLE   2,169 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,254,477 2,131 SH   SOLE   2,131 0 0
ISHARES TR CORE S&P500 ETF 464287200   918,340 1,560 SH   OTR   0 1,400 160
ISHARES TR CORE US AGGBD ET 464287226   109,109 1,126 SH   SOLE   1,126 0 0
ISHARES TR CORE US AGGBD ET 464287226   199,129 2,055 SH   OTR   0 85 1,970
ISHARES TR S&P 500 GRWT ETF 464287309   333,830 3,288 SH   SOLE   3,288 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   107,215 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   367,825 1,927 SH   SOLE   1,927 0 0
ISHARES TR S&P 500 VAL ETF 464287408   92,004 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,346,462 17,808 SH   SOLE   17,658 0 150
ISHARES TR MSCI EAFE ETF 464287465   493,808 6,531 SH   OTR   4,571 0 1,960
ISHARES TR CORE S&P MCP ETF 464287507   263,259 4,225 SH   SOLE   4,225 0 0
ISHARES TR CORE S&P MCP ETF 464287507   83,806 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   279,185 970 SH   SOLE   970 0 0
ISHARES TR CORE S&P US VLU 464287663   264,622 2,858 SH   SOLE   0 0 2,858
ISHARES TR CORE S&P US GWT 464287671   224,074 1,608 SH   SOLE   0 0 1,608
ISHARES TR CORE S&P SCP ETF 464287804   1,040,321 9,029 SH   SOLE   9,029 0 0
ISHARES TR CORE S&P SCP ETF 464287804   100,241 870 SH   OTR   500 275 95
ISHARES TR NATIONAL MUN ETF 464288414   331,370 3,110 SH   SOLE   196 0 2,914
ISHARES TR NATIONAL MUN ETF 464288414   38,784 364 SH   OTR   50 0 314
ISHARES TR CORE MSCI EAFE 46432F842   227,355 3,235 SH   SOLE   3,235 0 0
JPMORGAN CHASE & CO. COM 46625H100   3,809,711 15,893 SH   SOLE   15,574 319 0
JPMORGAN CHASE & CO. COM 46625H100   937,745 3,912 SH   OTR   3,174 678 60
JACOBS SOLUTIONS INC COM 46982L108   1,785,029 13,359 SH   SOLE   13,359 0 0
JACOBS SOLUTIONS INC COM 46982L108   211,520 1,583 SH   OTR   1,380 203 0
JOHNSON & JOHNSON COM 478160104   1,024,343 7,083 SH   SOLE   6,823 260 0
JOHNSON & JOHNSON COM 478160104   215,483 1,490 SH   OTR   1,490 0 0
KLA CORP COM NEW 482480100   312,539 496 SH   SOLE   496 0 0
KLA CORP COM NEW 482480100   18,903 30 SH   OTR   0 0 30
KROGER CO COM 501044101   1,582,500 25,879 SH   SOLE   25,879 0 0
KROGER CO COM 501044101   99,246 1,623 SH   OTR   1,091 532 0
ELI LILLY & CO COM 532457108   7,302,348 9,459 SH   SOLE   9,415 44 0
ELI LILLY & CO COM 532457108   1,490,732 1,931 SH   OTR   1,842 89 0
LOCKHEED MARTIN CORP COM 539830109   1,664,830 3,426 SH   SOLE   3,426 0 0
LOCKHEED MARTIN CORP COM 539830109   366,884 755 SH   OTR   405 350 0
LOWES COS INC COM 548661107   810,738 3,285 SH   SOLE   3,285 0 0
LOWES COS INC COM 548661107   493,600 2,000 SH   OTR   650 0 1,350
LULULEMON ATHLETICA INC COM 550021109   1,639,009 4,286 SH   SOLE   4,286 0 0
LULULEMON ATHLETICA INC COM 550021109   223,327 584 SH   OTR   371 57 156
MARRIOTT INTL INC NEW CL A 571903202   1,900,976 6,815 SH   SOLE   6,815 0 0
MARRIOTT INTL INC NEW CL A 571903202   116,596 418 SH   OTR   295 123 0
MASTERCARD INCORPORATED CL A 57636Q104   4,542,719 8,627 SH   SOLE   8,596 31 0
MASTERCARD INCORPORATED CL A 57636Q104   498,661 947 SH   OTR   870 77 0
MCDONALDS CORP COM 580135101   1,082,739 3,735 SH   SOLE   3,440 198 97
MCDONALDS CORP COM 580135101   57,978 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   365,312 641 SH   SOLE   641 0 0
MCKESSON CORP COM 58155Q103   29,635 52 SH   OTR   52 0 0
MERCK & CO INC COM 58933Y105   3,589,437 36,082 SH   SOLE   35,090 742 250
MERCK & CO INC COM 58933Y105   1,096,866 11,026 SH   OTR   10,618 213 195
MICROSOFT CORP COM 594918104   7,994,169 18,966 SH   SOLE   18,613 353 0
MICROSOFT CORP COM 594918104   3,639,231 8,634 SH   OTR   7,937 417 280
MORGAN STANLEY COM NEW 617446448   218,249 1,736 SH   SOLE   1,736 0 0
NETFLIX INC COM 64110L106   2,666,829 2,992 SH   SOLE   2,968 24 0
NETFLIX INC COM 64110L106   180,046 202 SH   OTR   129 73 0
NEXTERA ENERGY INC COM 65339F101   756,616 10,554 SH   SOLE   9,732 822 0
NEXTERA ENERGY INC COM 65339F101   87,461 1,220 SH   OTR   420 800 0
NOVO-NORDISK A S ADR 670100205   1,708,185 19,858 SH   SOLE   19,858 0 0
NOVO-NORDISK A S ADR 670100205   142,363 1,655 SH   OTR   1,293 362 0
NUCOR CORP COM 670346105   768,185 6,582 SH   SOLE   6,582 0 0
NUCOR CORP COM 670346105   265,398 2,274 SH   OTR   2,274 0 0
NVIDIA CORPORATION COM 67066G104   6,527,299 48,606 SH   SOLE   48,155 451 0
NVIDIA CORPORATION COM 67066G104   863,350 6,429 SH   OTR   2,972 3,457 0
1WS CREDIT INCOME FUND INSTL CL 68249P102   180,761 9,365 SH   SOLE   0 0 9,365
1WS CREDIT INCOME FUND INSTL CL 68249P102   156,051 8,085 SH   OTR   0 0 8,085
ORACLE CORP COM 68389X105   353,110 2,119 SH   SOLE   2,119 0 0
PAYCHEX INC COM 704326107   325,170 2,319 SH   SOLE   2,319 0 0
PEPSICO INC COM 713448108   1,571,996 10,338 SH   SOLE   9,843 345 150
PEPSICO INC COM 713448108   1,547,666 10,178 SH   OTR   9,078 1,030 70
PFIZER INC COM 717081103   287,134 10,823 SH   SOLE   9,982 493 348
PFIZER INC COM 717081103   360,834 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   1,047,358 9,193 SH   SOLE   9,193 0 0
PHILLIPS 66 COM 718546104   189,351 1,662 SH   OTR   1,662 0 0
PROCTER AND GAMBLE CO COM 742718109   2,461,102 14,680 SH   SOLE   14,006 420 254
PROCTER AND GAMBLE CO COM 742718109   1,786,143 10,654 SH   OTR   10,354 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,011,514 11,972 SH   SOLE   11,972 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   265,298 3,140 SH   OTR   1,690 1,450 0
PUBLIC STORAGE OPER CO COM 74460D109   121,273 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   270,993 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   348,563 2,269 SH   SOLE   2,206 63 0
QUALCOMM INC COM 747525103   5,376 35 SH   OTR   0 0 35
QUANTA SVCS INC COM 74762E102   2,969,921 9,397 SH   SOLE   9,397 0 0
QUANTA SVCS INC COM 74762E102   229,136 725 SH   OTR   582 143 0
SHELL PLC SPON ADS 780259305   1,046,129 16,698 SH   SOLE   16,698 0 0
SHELL PLC SPON ADS 780259305   36,524 583 SH   OTR   583 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,056,554 3,509 SH   SOLE   3,509 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   937,728 1,600 SH   OTR   0 1,600 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   793,845 30,311 SH   SOLE   30,311 0 0
SPDR SER TR S&P DIVID ETF 78464A763   219,153 1,659 SH   SOLE   1,659 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,321,000 10,000 SH   OTR   0 10,000 0
SPDR SER TR S&P BIOTECH 78464A870   51,154 568 SH   SOLE   0 0 568
SPDR SER TR S&P BIOTECH 78464A870   306,564 3,404 SH   OTR   0 0 3,404
SALESFORCE INC COM 79466L302   1,146,751 3,430 SH   SOLE   3,394 36 0
SALESFORCE INC COM 79466L302   315,941 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107   1,783,545 21,666 SH   SOLE   21,666 0 0
SOUTHERN CO COM 842587107   912,928 11,090 SH   OTR   10,390 700 0
STARBUCKS CORP COM 855244109   362,718 3,975 SH   SOLE   3,975 0 0
STARWOOD PPTY TR INC COM 85571B105   115,595 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   428,270 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,417,408 20,010 SH   SOLE   19,482 528 0
TJX COS INC NEW COM 872540109   337,059 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   3,156,659 14,301 SH   SOLE   14,235 66 0
T-MOBILE US INC COM 872590104   261,344 1,184 SH   OTR   968 216 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   3,701,357 18,742 SH   SOLE   18,742 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   346,397 1,754 SH   OTR   1,322 432 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,329,707 2,556 SH   SOLE   2,541 15 0
TOLL BROTRS INC COM 889478103   1,647,174 13,078 SH   SOLE   13,078 0 0
TOLL BROTRS INC COM 889478103   189,932 1,508 SH   OTR   1,294 214 0
TRUIST FINL CORP COM 89832Q109   570,967 13,162 SH   SOLE   13,162 0 0
TRUIST FINL CORP COM 89832Q109   508,847 11,730 SH   OTR   6,550 0 5,180
UNION PAC CORP COM 907818108   2,400,805 10,528 SH   SOLE   10,514 14 0
UNION PAC CORP COM 907818108   200,903 881 SH   OTR   577 304 0
UNITED PARCEL SERVICE INC CL B 911312106   205,164 1,627 SH   SOLE   1,627 0 0
UNITED PARCEL SERVICE INC CL B 911312106   37,830 300 SH   OTR   300 0 0
UNITEDHEALTH GROUP INC COM 91324P102   350,055 692 SH   SOLE   686 6 0
UNITEDHEALTH GROUP INC COM 91324P102   20,234 40 SH   OTR   40 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   237,950 3,309 SH   OTR   0 0 3,309
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   191,232 3,999 SH   SOLE   1,934 0 2,065
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   145,085 3,034 SH   OTR   0 0 3,034
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   256,455 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   275,969 3,098 SH   SOLE   2,076 0 1,022
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   731,614 8,213 SH   OTR   0 723 7,490
VANGUARD INDEX FDS LARGE CAP ETF 922908637   251,360 932 SH   SOLE   585 0 347
VANGUARD INDEX FDS LARGE CAP ETF 922908637   543,445 2,015 SH   OTR   135 0 1,880
VERIZON COMMUNICATIONS INC COM 92343V104   702,464 17,566 SH   SOLE   17,102 464 0
VERIZON COMMUNICATIONS INC COM 92343V104   575,736 14,397 SH   OTR   14,397 0 0
VISA INC COM CL A 92826C839   143,798 455 SH   SOLE   455 0 0
VISA INC COM CL A 92826C839   156,123 494 SH   OTR   0 0 494
WALMART INC COM 931142103   2,489,865 27,558 SH   SOLE   20,755 605 6,198
WALMART INC COM 931142103   209,160 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   538,173 2,667 SH   SOLE   2,649 18 0
WASTE MGMT INC DEL COM 94106L109   286,541 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   484,063 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   255,474 1,568 SH   SOLE   1,568 0 0
ZOETIS INC CL A 98978V103   19,877 122 SH   OTR   122 0 0