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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: 03-31-2025
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: ASHLEY HARDWRICK
Title: VP TRUST OPERATIONS
Phone: 501-978-2260
Signature, Place, and Date of Signing:
/s/ASHLEY HARDWRICK LITTLE ROCK,  AR 05-13-2025
[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: 259
Form 13F Information Table Value Total: 240,369,018
(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   215,931 692 SH   SOLE   692 0 0
MEDTRONIC PLC SHS G5960L103   511,033 5,687 SH   SOLE   5,687 0 0
MEDTRONIC PLC SHS G5960L103   793,014 8,825 SH   OTR   8,620 0 205
TRANE TECHNOLOGIES PLC SHS G8994E103   2,592,936 7,696 SH   SOLE   7,696 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   179,915 534 SH   OTR   400 134 0
NXP SEMICONDUCTORS N V COM N6596X109   1,833,128 9,645 SH   SOLE   9,645 0 0
NXP SEMICONDUCTORS N V COM N6596X109   204,314 1,075 SH   OTR   861 134 80
AFLAC INC COM 001055102   2,501,775 22,500 SH   OTR   22,500 0 0
AT&T INC COM 00206R102   434,380 15,360 SH   SOLE   14,670 690 0
AT&T INC COM 00206R102   23,019 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   788,471 5,944 SH   SOLE   5,594 350 0
ABBOTT LABS COM 002824100   1,347,724 10,160 SH   OTR   10,160 0 0
ABBVIE INC COM 00287Y109   3,009,126 14,362 SH   SOLE   14,262 100 0
ABBVIE INC COM 00287Y109   2,651,475 12,655 SH   OTR   12,655 0 0
ALLSTATE CORP COM 020002101   231,297 1,117 SH   SOLE   1,117 0 0
ALLSTATE CORP COM 020002101   1,051,294 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   334,019 2,138 SH   SOLE   2,138 0 0
ALPHABET INC CAP STK CL A 02079K305   2,099,238 13,575 SH   SOLE   13,424 151 0
ALPHABET INC CAP STK CL A 02079K305   568,147 3,674 SH   OTR   3,200 0 474
ALTRIA GROUP INC COM 02209S103   267,569 4,458 SH   SOLE   3,738 720 0
ALTRIA GROUP INC COM 02209S103   120,040 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   611,305 3,213 SH   SOLE   3,072 141 0
AMAZON COM INC COM 023135106   57,078 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO I NC COM 025537101   375,451 3,436 SH   SOLE   3,436 0 0
AMERICAN ELEC PWR CO I NC COM 025537101   253,506 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   2,307,103 8,575 SH   SOLE   8,575 0 0
AMERICAN EXPRESS CO COM 025816109   104,660 389 SH   OTR   234 155 0
AMERIPRISE FINL INC COM 03076C106   2,490,745 5,145 SH   SOLE   5,145 0 0
AMERIPRISE FINL INC COM 03076C106   121,511 251 SH   OTR   140 111 0
AMGEN INC COM 031162100   3,443,562 11,053 SH   SOLE   11,003 50 0
AMGEN INC COM 031162100   395,356 1,269 SH   OTR   1,101 93 75
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   80,506 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   215,181 4,044 SH   OTR   0 0 4,044
APPLE INC COM 037833100   11,849,746 53,346 SH   SOLE   52,726 620 0
APPLE INC COM 037833100   1,783,037 8,027 SH   OTR   6,560 461 1,006
APPLIED MATLS INC COM 038222105   2,878,455 19,835 SH   SOLE   19,835 0 0
APPLIED MATLS INC COM 038222105   448,420 3,090 SH   OTR   3,090 0 0
ARES CAPITAL CORP COM 04010L103   269,532 12,163 SH   SOLE   12,163 0 0
ARES CAPITAL CORP COM 04010L103   642,640 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM SHS 040413205   2,829,182 36,515 SH   SOLE   36,515 0 0
ARISTA NETWORKS INC COM SHS 040413205   158,911 2,051 SH   OTR   1,151 900 0
AUTOMATIC DATA PROCESS ING IN COM 053015103   120,378 394 SH   SOLE   394 0 0
AUTOMATIC DATA PROCESS ING IN COM 053015103   2,135,654 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,701,078 7,926 SH   SOLE   7,926 0 0
AVALONBAY CMNTYS INC COM 053484101   175,344 817 SH   OTR   712 105 0
BANK AMERICA CORP COM 060505104   2,086,625 50,003 SH   SOLE   49,320 0 683
BANK AMERICA CORP COM 060505104   620,984 14,881 SH   OTR   10,071 508 4,302
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   117,700 221 SH   SOLE   221 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   180,012 338 SH   OTR   77 0 261
BLACKSTONE INC COM 09260D107   2,247,522 16,079 SH   SOLE   16,079 0 0
BLACKSTONE INC COM 09260D107   103,157 738 SH   OTR   410 328 0
BLACKROCK INC COM 09290D101   1,076,147 1,137 SH   SOLE   1,137 0 0
BLACKROCK INC COM 09290D101   95,594 101 SH   OTR   41 50 10
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   307,467 6,106 SH   SOLE   6,106 0 0
BOOZ ALLEN HAMILTON HL DG COR CL A 099502106   524,364 5,014 SH   SOLE   5,014 0 0
BOOZ ALLEN HAMILTON HL DG COR CL A 099502106   142,960 1,367 SH   OTR   297 1,070 0
BRISTOL-MYERS SQUIBB C O COM 110122108   373,258 6,120 SH   SOLE   5,620 500 0
BRISTOL-MYERS SQUIBB C O COM 110122108   103,683 1,700 SH   OTR   400 1,300 0
BROADRIDGE FINL SOLUTI ONS IN COM 11133T103   969,840 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   1,104,870 6,599 SH   SOLE   6,599 0 0
BROADCOM INC COM 11135F101   204,264 1,220 SH   OTR   0 1,050 170
CAPITAL ONE FINL CORP COM 14040H105   845,937 4,718 SH   SOLE   4,718 0 0
CAPITAL ONE FINL CORP COM 14040H105   22,412 125 SH   OTR   125 0 0
CHEVRON CORP NEW COM 166764100   1,707,696 10,208 SH   SOLE   10,031 177 0
CHEVRON CORP NEW COM 166764100   321,698 1,923 SH   OTR   1,923 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   3,202,745 63,787 SH   SOLE   63,492 295 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   250,949 4,998 SH   OTR   3,948 1,050 0
CISCO SYS INC COM 17275R102   1,536,949 24,906 SH   SOLE   24,706 200 0
CISCO SYS INC COM 17275R102   232,091 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   434,160 6,062 SH   SOLE   6,030 32 0
COCA COLA CO COM 191216100   567,516 7,924 SH   OTR   7,561 363 0
COLGATE PALMOLIVE CO COM 194162103   210,918 2,251 SH   SOLE   1,911 340 0
COMCAST CORP NEW CL A 20030N101   189,998 5,149 SH   SOLE   5,089 60 0
COMCAST CORP NEW CL A 20030N101   163,024 4,418 SH   OTR   400 1,000 3,018
CONOCOPHILLIPS COM 20825C104   422,495 4,023 SH   SOLE   3,839 184 0
CONOCOPHILLIPS COM 20825C104   188,195 1,792 SH   OTR   1,792 0 0
CONSOLIDATED EDISON IN C COM 209115104   355,657 3,216 SH   SOLE   3,216 0 0
CONSOLIDATED EDISON IN C COM 209115104   66,354 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   3,553,295 3,757 SH   SOLE   3,737 20 0
COSTCO WHSL CORP NEW COM 22160K105   288,462 305 SH   OTR   254 51 0
CROWN CASTLE INC COM 22822V101   74,107 711 SH   SOLE   685 26 0
CROWN CASTLE INC COM 22822V101   257,969 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   388,621 828 SH   SOLE   828 0 0
DICKS SPORTING GOODS I NC COM 253393102   1,909,781 9,475 SH   SOLE   9,475 0 0
DICKS SPORTING GOODS I NC COM 253393102   139,076 690 SH   OTR   590 100 0
DUKE ENERGY CORP NEW COM NEW 26441C204   790,121 6,478 SH   SOLE   6,478 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   643,513 5,276 SH   OTR   3,246 235 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,937,572 25,945 SH   SOLE   25,945 0 0
DUPONT DE NEMOURS INC COM 26614N102   86,479 1,158 SH   OTR   755 403 0
EASTMAN CHEM CO COM 277432100   190,405 2,161 SH   SOLE   2,161 0 0
EASTMAN CHEM CO COM 277432100   118,948 1,350 SH   OTR   0 1,350 0
EMERSON ELEC CO COM 291011104   280,568 2,559 SH   SOLE   2,266 0 293
EMERSON ELEC CO COM 291011104   191,870 1,750 SH   OTR   0 1,690 60
ENTERGY CORP NEW COM 29364G103   575,347 6,730 SH   SOLE   6,730 0 0
ENTERGY CORP NEW COM 29364G103   102,588 1,200 SH   OTR   0 1,200 0
EXCHANGE TRADED CONCEP TS TRU ROBO GLB ETF 301505707   212,231 4,121 SH   SOLE   643 0 3,478
EXCHANGE TRADED CONCEP TS TRU ROBO GLB ETF 301505707   1,038,343 20,162 SH   OTR   13,910 0 6,252
EXXON MOBIL CORP COM 30231G102   1,812,731 15,242 SH   SOLE   14,865 162 215
EXXON MOBIL CORP COM 30231G102   551,835 4,640 SH   OTR   4,303 337 0
META PLATFORMS INC CL A 30303M102   2,859,898 4,962 SH   SOLE   4,923 39 0
META PLATFORMS INC CL A 30303M102   302,589 525 SH   OTR   137 85 303
FIDELITY NATL INFORMAT ION SV COM 31620M106   1,798,294 24,080 SH   SOLE   24,047 33 0
FIDELITY NATL INFORMAT ION SV COM 31620M106   78,936 1,057 SH   OTR   617 440 0
FORTINET INC COM 34959E109   3,868,689 40,190 SH   SOLE   40,190 0 0
FORTINET INC COM 34959E109   733,982 7,625 SH   OTR   7,625 0 0
GE HEALTHCARE TECHNOLO GIES I COMMON STOCK 36266G107   1,989,662 24,652 SH   SOLE   24,652 0 0
GE HEALTHCARE TECHNOLO GIES I COMMON STOCK 36266G107   170,701 2,115 SH   OTR   1,617 498 0
GENUINE PARTS CO COM 372460105   230,416 1,934 SH   SOLE   1,919 15 0
GOLDMAN SACHS GROUP IN C COM 38141G104   170,988 313 SH   SOLE   298 15 0
GOLDMAN SACHS GROUP IN C COM 38141G104   173,720 318 SH   OTR   0 0 318
HOME DEPOT INC COM 437076102   1,643,707 4,485 SH   SOLE   4,333 52 100
HOME DEPOT INC COM 437076102   160,156 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   425,405 2,009 SH   SOLE   1,934 75 0
HONEYWELL INTL INC COM 438516106   298,779 1,411 SH   OTR   874 0 537
HOST HOTELS & RESORTS INC COM 44107P104   159,152 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   508,916 2,052 SH   SOLE   2,052 0 0
ILLINOIS TOOL WKS INC COM 452308109   38,441 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   47,463 2,090 SH   SOLE   2,090 0 0
INTEL CORP COM 458140100   183,951 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   2,470,188 9,934 SH   SOLE   9,934 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   154,666 622 SH   OTR   489 133 0
INVESCO SR INCOME TR COM 46131H107   173,943 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADE D FD T S&P500 EQL HLT 46137V332   232,050 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   343,618 5,828 SH   SOLE   1,083 0 4,745
ISHARES GOLD TR ISHARES NEW 464285204   1,723,872 29,238 SH   OTR   0 0 29,238
ISHARES TR CORE S&P500 ETF 464287200   1,139,533 2,028 SH   SOLE   2,028 0 0
ISHARES TR CORE S&P500 ETF 464287200   828,802 1,475 SH   OTR   0 1,400 75
ISHARES TR CORE US AGGBD ET 464287226   6,627 67 SH   SOLE   67 0 0
ISHARES TR CORE US AGGBD ET 464287226   212,678 2,150 SH   OTR   0 85 2,065
ISHARES TR S&P 500 GRWT EFT 464287309   326,483 3,517 SH   SOLE   3,517 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   98,028 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   401,170 2,105 SH   SOLE   2,105 0 0
ISHARES TR S&P 500 VAL ETF 464287408   91,859 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,326,477 16,230 SH   SOLE   16,080 0 150
ISHARES TR MSCI EAFE ETF 464287465   533,778 6,531 SH   OTR   4,571 0 1,960
ISHARES TR CORE S&P MCP ETF 464287507   229,723 3,937 SH   SOLE   3,937 0 0
ISHARES TR CORE S&P MCP ETF 464287507   78,480 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   247,864 970 SH   SOLE   970 0 0
ISHARES TR CORE S&P US VLU 464287663   268,471 2,909 SH   SOLE   0 0 2,909
ISHARES TR CORE S&P US GWT 464287671   213,367 1,679 SH   SOLE   0 0 1,679
ISHARES TR CORE S&P SCP ETF 464287804   812,299 7,768 SH   SOLE   7,768 0 0
ISHARES TR CORE S&P SCP ETF 464287804   62,219 595 SH   OTR   500 0 95
ISHARES TR NATIONAL MUN ETF 464288414   258,433 2,451 SH   SOLE   146 0 2,305
ISHARES TR NATIONAL MUN ETF 464288414   30,472 289 SH   OTR   50 0 239
JPMORGAN CHASE & CO. COM 46625H100   3,792,092 15,459 SH   SOLE   15,140 319 0
JPMORGAN CHASE & CO. COM 46625H100   963,293 3,927 SH   OTR   3,189 678 60
JACOBS SOLUTIONS INC COM 46982L108   1,829,186 15,131 SH   SOLE   15,131 0 0
JACOBS SOLUTIONS INC COM 46982L108   188,830 1,562 SH   OTR   1,359 203 0
JOHNSON & JOHNSON COM 478160104   1,138,159 6,863 SH   SOLE   6,603 260 0
JOHNSON & JOHNSON COM 478160104   247,101 1,490 SH   OTR   1,490 0 0
KLA CORP COM NEW 482480100   288,235 424 SH   SOLE   424 0 0
KLA CORP COM NEW 482480100   20,394 30 SH   OTR   0 0 30
KROGER CO COM 501044101   2,114,364 31,236 SH   SOLE   31,236 0 0
KROGER CO COM 501044101   129,761 1,917 SH   OTR   1,385 532 0
ELI LILLY & CO COM 532457108   8,274,792 10,019 SH   SOLE   9,975 44 0
ELI LILLY & CO COM 532457108   1,588,224 1,923 SH   OTR   1,834 89 0
LOCKHEED MARTIN CORP COM 539830109   1,483,077 3,320 SH   SOLE   3,320 0 0
LOCKHEED MARTIN CORP COM 539830109   337,266 755 SH   OTR   405 350 0
LOWES COS INC COM 548661107   701,555 3,008 SH   SOLE   3,008 0 0
LOWES COS INC COM 548661107   466,460 2,000 SH   OTR   650 0 1,350
LULULEMON ATHLETICA IN C COM 550021109   1,533,052 5,416 SH   SOLE   5,416 0 0
LULULEMON ATHLETICA IN C COM 550021109   165,590 585 SH   OTR   372 57 156
MARRIOTT INTL INC NEW CL A 571903202   808,212 3,393 SH   SOLE   3,393 0 0
MARRIOTT INTL INC NEW CL A 571903202   75,985 319 SH   OTR   196 123 0
MASTERCARD INCORPORATE D CL A 57636Q104   4,986,795 9,098 SH   SOLE   9,067 31 0
MASTERCARD INCORPORATE D CL A 57636Q104   515,780 941 SH   OTR   876 65 0
MCDONALDS CORP COM 580135101   1,105,165 3,538 SH   SOLE   3,243 198 97
MCDONALDS CORP COM 580135101   62,474 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   240,257 357 SH   SOLE   357 0 0
MERCK & CO INC COM 58933Y105   1,518,200 16,914 SH   SOLE   16,664 0 250
MERCK & CO INC COM 58933Y105   991,040 11,041 SH   OTR   10,633 213 195
MICROSOFT CORP COM 594918104   7,408,697 19,736 SH   SOLE   19,383 353 0
MICROSOFT CORP COM 594918104   3,236,612 8,622 SH   OTR   7,947 395 280
MORGAN STANLEY COM NEW 617446448   202,539 1,736 SH   SOLE   1,736 0 0
NETFLIX INC COM 64110L106   3,358,973 3,602 SH   SOLE   3,578 24 0
NETFLIX INC COM 64110L106   180,910 194 SH   OTR   121 73 0
NEXTERA ENERGY INC COM 65339F101   711,168 10,032 SH   SOLE   9,210 822 0
NEXTERA ENERGY INC COM 65339F101   86,485 1,220 SH   OTR   420 800 0
NOVO-NORDISK A S ADR 670100205   351,088 5,056 SH   SOLE   5,056 0 0
NOVO-NORDISK A S ADR 670100205   8,749 126 SH   OTR   126 0 0
NUCOR CORP COM 670346105   787,264 6,542 SH   SOLE   6,542 0 0
NUCOR CORP COM 670346105   273,653 2,274 SH   OTR   2,274 0 0
NVIDIA CORPORATION COM 67066G104   5,735,903 52,924 SH   SOLE   52,473 451 0
NVIDIA CORPORATION COM 67066G104   683,335 6,305 SH   OTR   2,848 3,457 0
1WS CREDIT INCOME FUND INSTL CL 68249P102   182,342 9,467 SH   SOLE   0 0 9,467
1WS CREDIT INCOME FUND INSTL CL 68249P102   155,728 8,085 SH   OTR   0 0 8,085
ORACLE CORP COM 68389X105   1,426,201 10,201 SH   SOLE   10,201 0 0
ORACLE CORP COM 68389X105   21,251 152 SH   OTR   152 0 0
PAYCHEX INC COM 704326107   301,617 1,955 SH   SOLE   1,955 0 0
PEPSICO INC COM 713448108   1,506,747 10,049 SH   SOLE   9,554 345 150
PEPSICO INC COM 713448108   1,521,591 10,148 SH   OTR   9,078 1,000 70
PFIZER INC COM 717081103   194,535 7,677 SH   SOLE   6,836 493 348
PFIZER INC COM 717081103   344,649 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   1,497,441 12,127 SH   SOLE   12,127 0 0
PHILLIPS 66 COM 718546104   204,112 1,653 SH   OTR   1,653 0 0
PROCTER AND GAMBLE CO COM 742718109   2,748,874 16,130 SH   SOLE   15,456 420 254
PROCTER AND GAMBLE CO COM 742718109   1,840,876 10,802 SH   OTR   10,502 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   955,338 11,608 SH   SOLE   11,608 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   258,422 3,140 SH   OTR   1,690 1,450 0
PUBLIC STORAGE OPER CO COM 74460D109   121,212 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   270,857 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   280,338 1,825 SH   SOLE   1,762 63 0
QUALCOMM INC COM 747525103   5,376 35 SH   OTR   0 0 35
QUANTA SVCS INC COM 74762E102   2,677,023 10,532 SH   SOLE   10,532 0 0
QUANTA SVCS INC COM 74762E102   180,213 709 SH   OTR   566 143 0
QUEST DIAGNOSTICS INC COM 74834L100   1,885,226 11,142 SH   SOLE   11,142 0 0
QUEST DIAGNOSTICS INC COM 74834L100   184,258 1,089 SH   OTR   825 264 0
SHELL PLC SPON ADS 780259305   1,553,829 21,204 SH   SOLE   21,204 0 0
SHELL PLC SPON ADS 780259305   38,984 532 SH   OTR   532 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,966,255 3,515 SH   SOLE   3,515 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   895,024 1,600 SH   OTR   0 1,600 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   1,301,692 47,751 SH   SOLE   47,751 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   203,791 1,502 SH   SOLE   1,502 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   1,356,800 10,000 SH   OTR   0 10,000 0
SPDR SERIES TRUST S&P BIOTECH 78464A870   46,064 568 SH   SOLE   0 0 568
SPDR SERIES TRUST S&P BIOTECH 78464A870   276,064 3,404 SH   OTR   0 0 3,404
SALESFORCE INC COM 79466L302   897,127 3,343 SH   SOLE   3,307 36 0
SALESFORCE INC COM 79466L302   253,600 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107   2,302,795 25,044 SH   SOLE   25,044 0 0
SOUTHERN CO COM 842587107   1,021,196 11,106 SH   OTR   10,406 700 0
STARBUCKS CORP COM 855244109   389,907 3,975 SH   SOLE   3,975 0 0
STARWOOD PPTY TR INC COM 85571B105   120,597 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   446,802 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,383,626 19,570 SH   SOLE   19,042 528 0
TJX COS INC NEW COM 872540109   339,822 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   4,279,095 16,044 SH   SOLE   15,978 66 0
T-MOBILE US INC COM 872590104   309,917 1,162 SH   OTR   946 216 0
TAIWAN SEMICONDUCTOR M FG LTD SPONSORED ADS 874039100   3,747,782 22,577 SH   SOLE   22,577 0 0
TAIWAN SEMICONDUCTOR M FG LTD SPONSORED ADS 874039100   283,196 1,706 SH   OTR   1,274 432 0
THERMO FISHER SCIENTIF IC INC COM 883556102   1,239,024 2,490 SH   SOLE   2,475 15 0
TOLL BROTRS INC COM 889478103   1,563,999 14,812 SH   SOLE   14,812 0 0
TOLL BROTRS INC COM 889478103   157,012 1,487 SH   OTR   1,273 214 0
TRUIST FINL CORP COM 89832Q109   532,604 12,943 SH   SOLE   12,943 0 0
TRUIST FINL CORP COM 89832Q109   482,689 11,730 SH   OTR   6,550 0 5,180
UNION PAC CORP COM 907818108   2,675,890 11,327 SH   SOLE   11,313 14 0
UNION PAC CORP COM 907818108   205,292 869 SH   OTR   587 282 0
UNITED PARCEL SERVICE INC CL B 911312106   167,954 1,527 SH   SOLE   1,527 0 0
UNITED PARCEL SERVICE INC CL B 911312106   32,997 300 SH   OTR   300 0 0
UNITEDHEALTH GROUP INC COM 91324P102   380,242 726 SH   SOLE   720 6 0
UNITEDHEALTH GROUP INC COM 91324P102   20,950 40 SH   OTR   40 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   253,035 3,445 SH   OTR   0 0 3,445
VANGUARD TAX-MANAGED F DS VAN FTSE DEV MKT 921943858   120,772 2,376 SH   SOLE   0 0 2,376
VANGUARD TAX-MANAGED F DS VAN FTSE DEV MKT 921943858   150,253 2,956 SH   OTR   0 0 2,956
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   259,209 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   168,223 1,858 SH   SOLE   836 0 1,022
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   743,605 8,213 SH   OTR   0 723 7,490
VANGUARD INDEX FDS LARGE CAP ETF 922908637   239,551 932 SH   SOLE   585 0 347
VANGUARD INDEX FDS LARGE CAP ETF 922908637   481,417 1,873 SH   OTR   135 0 1,738
VERIZON COMMUNICATIONS INC COM 92343V104   729,388 16,080 SH   SOLE   15,616 464 0
VERIZON COMMUNICATIONS INC COM 92343V104   657,856 14,503 SH   OTR   14,503 0 0
VISA INC COM CL A 92826C839   150,347 429 SH   SOLE   429 0 0
VISA INC COM CL A 92826C839   173,127 494 SH   OTR   12 0 482
WALMART INC COM 931142103   1,724,371 19,642 SH   SOLE   19,037 605 0
WALMART INC COM 931142103   203,233 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   610,260 2,636 SH   SOLE   2,618 18 0
WASTE MGMT INC DEL COM 94106L109   328,744 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   478,027 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   2,216,518 13,462 SH   SOLE   13,462 0 0
ZOETIS INC CL A 98978V103   17,288 105 SH   OTR   105 0 0