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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: 09-30-2025
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: SHEILA MAYDEN
Title: MANAGING DIRECTOR CORPORATE TRUST
Phone: 501-978-2218
Signature, Place, and Date of Signing:
/s/SHEILA MAYDEN LITTLE ROCK,  AR 11-13-2025
[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: 262
Form 13F Information Table Value Total: 282,696,765
(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
MEDTRONIC PLC SHS G5960L103   392,960 4,126 SH   SOLE   4,126 0 0
MEDTRONIC PLC SHS G5960L103   881,446 9,255 SH   OTR   8,620 0 635
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   593,218 2,513 SH   SOLE   2,513 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   3,859,246 9,146 SH   SOLE   9,010 134 2
TRANE TECHNOLOGIES PLC SHS G8994E103   79,328 188 SH   OTR   188 0 0
AFLAC INC COM 001055102   2,513,250 22,500 SH   OTR   22,500 0 0
AT&T INC COM 00206R102   406,994 14,412 SH   SOLE   13,727 685 0
AT&T INC COM 00206R102   22,987 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   807,122 6,026 SH   SOLE   5,541 350 135
ABBOTT LABS COM 002824100   1,339,400 10,000 SH   OTR   10,000 0 0
ABBVIE INC COM 00287Y109   3,100,552 13,391 SH   SOLE   13,291 100 0
ABBVIE INC COM 00287Y109   2,930,138 12,655 SH   OTR   12,655 0 0
ALLSTATE CORP COM 020002101   239,764 1,117 SH   SOLE   1,117 0 0
ALLSTATE CORP COM 020002101   1,089,778 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   407,215 1,672 SH   SOLE   1,672 0 0
ALPHABET INC CAP STK CL A 02079K305   3,148,145 12,950 SH   SOLE   12,803 147 0
ALPHABET INC CAP STK CL A 02079K305   896,552 3,688 SH   OTR   3,200 0 488
ALTRIA GROUP INC COM 02209S103   294,495 4,458 SH   SOLE   3,738 720 0
ALTRIA GROUP INC COM 02209S103   132,120 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   618,967 2,819 SH   SOLE   2,682 137 0
AMAZON COM INC COM 023135106   65,871 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   386,325 3,434 SH   SOLE   3,434 0 0
AMERICAN ELEC PWR CO INC COM 025537101   261,000 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   3,329,904 10,025 SH   SOLE   9,869 153 3
AMERICAN EXPRESS CO COM 025816109   63,110 190 SH   OTR   190 0 0
AMERIPRISE FINL INC COM 03076C106   2,999,572 6,106 SH   SOLE   6,001 103 2
AMERIPRISE FINL INC COM 03076C106   31,931 65 SH   OTR   65 0 0
AMGEN INC COM 031162100   3,386,964 12,002 SH   SOLE   11,857 143 2
AMGEN INC COM 031162100   240,152 851 SH   OTR   776 0 75
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   86,393 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   229,203 4,014 SH   OTR   0 0 4,014
APPLE INC COM 037833100   13,883,191 54,523 SH   SOLE   53,337 1,028 158
APPLE INC COM 037833100   1,675,974 6,582 SH   OTR   5,564 0 1,018
APPLIED MATLS INC COM 038222105   3,862,420 18,865 SH   SOLE   18,865 0 0
APPLIED MATLS INC COM 038222105   573,272 2,800 SH   OTR   2,800 0 0
ARES CAPITAL CORP COM 04010L103   248,308 12,166 SH   SOLE   12,166 0 0
ARES CAPITAL CORP COM 04010L103   591,890 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM SHS 040413205   5,619,597 38,567 SH   SOLE   37,657 900 10
ARISTA NETWORKS INC COM SHS 040413205   100,831 692 SH   OTR   692 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   95,094 324 SH   SOLE   324 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   2,051,565 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,097,785 5,683 SH   SOLE   5,683 0 0
AVALONBAY CMNTYS INC COM 053484101   96,391 499 SH   OTR   499 0 0
BANK AMERICA CORP COM 060505104   2,525,330 48,950 SH   SOLE   47,959 308 683
BANK AMERICA CORP COM 060505104   751,821 14,573 SH   OTR   10,071 200 4,302
BANK OZK LITTLE ROCK ARK COM 06417N103   232,315 4,557 SH   SOLE   4,557 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   83,454 166 SH   SOLE   166 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   165,401 329 SH   OTR   77 0 252
BLACKSTONE INC COM 09260D107   3,216,422 18,826 SH   SOLE   18,523 297 6
BLACKSTONE INC COM 09260D107   40,149 235 SH   OTR   235 0 0
BLACKROCK INC COM 09290D101   1,364,067 1,170 SH   SOLE   1,170 0 0
BLACKROCK INC COM 09290D101   106,094 91 SH   OTR   31 50 10
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   309,629 6,141 SH   SOLE   6,141 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   486,556 4,868 SH   SOLE   4,798 70 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   129,635 1,297 SH   OTR   297 1,000 0
BRISTOL-MYERS SQUIBB CO COM 110122108   254,003 5,632 SH   SOLE   5,132 500 0
BRISTOL-MYERS SQUIBB CO COM 110122108   128,084 2,840 SH   OTR   400 1,300 1,140
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   952,680 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   2,111,094 6,399 SH   SOLE   6,129 0 270
BROADCOM INC COM 11135F101   402,490 1,220 SH   OTR   0 1,050 170
CSX CORP COM 126408103   3,325,831 93,659 SH   SOLE   93,639 0 20
CSX CORP COM 126408103   2,947 83 SH   OTR   83 0 0
CAPITAL ONE FINL CORP COM 14040H105   1,041,004 4,897 SH   SOLE   4,897 0 0
CHEVRON CORP NEW COM 166764100   1,536,128 9,892 SH   SOLE   9,716 176 0
CHEVRON CORP NEW COM 166764100   364,776 2,349 SH   OTR   1,848 0 501
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,919,694 74,501 SH   SOLE   73,248 1,235 18
CHIPOTLE MEXICAN GRILL INC COM 169656105   106,283 2,712 SH   OTR   2,712 0 0
CISCO SYS INC COM 17275R102   1,677,726 24,521 SH   SOLE   24,104 200 217
CISCO SYS INC COM 17275R102   257,327 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   353,949 5,337 SH   SOLE   5,306 31 0
COCA COLA CO COM 191216100   501,445 7,561 SH   OTR   7,561 0 0
COMCAST CORP NEW CL A 20030N101   160,713 5,115 SH   SOLE   5,057 58 0
COMCAST CORP NEW CL A 20030N101   124,266 3,955 SH   OTR   0 1,000 2,955
CONOCOPHILLIPS COM 20825C104   391,886 4,143 SH   SOLE   3,821 184 138
CONOCOPHILLIPS COM 20825C104   169,505 1,792 SH   OTR   1,792 0 0
CONSOLIDATED EDISON INC COM 209115104   323,272 3,216 SH   SOLE   3,216 0 0
CONSOLIDATED EDISON INC COM 209115104   60,312 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   3,868,207 4,179 SH   SOLE   4,108 70 1
COSTCO WHSL CORP NEW COM 22160K105   164,762 178 SH   OTR   178 0 0
CROWN CASTLE INC COM 22822V101   68,507 710 SH   SOLE   685 25 0
CROWN CASTLE INC COM 22822V101   238,812 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   380,440 832 SH   SOLE   832 0 0
DICKS SPORTING GOODS INC COM 253393102   2,531,085 11,390 SH   SOLE   11,286 100 4
DICKS SPORTING GOODS INC COM 253393102   104,887 472 SH   OTR   472 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   781,481 6,315 SH   SOLE   6,315 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   623,823 5,041 SH   OTR   3,246 0 1,795
DUPONT DE NEMOURS INC COM 26614N102   2,245,000 28,819 SH   SOLE   28,432 380 7
DUPONT DE NEMOURS INC COM 26614N102   42,221 542 SH   OTR   542 0 0
EMERSON ELEC CO COM 291011104   324,408 2,473 SH   SOLE   2,195 0 278
EMERSON ELEC CO COM 291011104   229,565 1,750 SH   OTR   0 1,690 60
ENTERGY CORP NEW COM 29364G103   593,620 6,370 SH   SOLE   6,370 0 0
ENTERGY CORP NEW COM 29364G103   111,828 1,200 SH   OTR   0 1,200 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   250,242 3,817 SH   SOLE   339 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,320,509 20,142 SH   OTR   13,890 0 6,252
EXXON MOBIL CORP COM 30231G102   1,835,344 16,278 SH   SOLE   15,905 158 215
EXXON MOBIL CORP COM 30231G102   394,963 3,503 SH   OTR   3,503 0 0
META PLATFORMS INC CL A 30303M102   4,094,902 5,576 SH   SOLE   5,452 123 1
META PLATFORMS INC CL A 30303M102   311,377 424 SH   OTR   121 0 303
FIDELITY NATL INFORMATION SV COM 31620M106   1,830,692 27,763 SH   SOLE   27,301 455 7
FIDELITY NATL INFORMATION SV COM 31620M106   29,079 441 SH   OTR   441 0 0
FORTINET INC COM 34959E109   3,237,416 38,504 SH   SOLE   38,504 0 0
FORTINET INC COM 34959E109   580,152 6,900 SH   OTR   6,900 0 0
GENUINE PARTS CO COM 372460105   288,981 2,085 SH   SOLE   2,070 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   249,257 313 SH   SOLE   298 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   205,458 258 SH   OTR   0 0 258
HOME DEPOT INC COM 437076102   1,751,231 4,322 SH   SOLE   4,182 51 89
HOME DEPOT INC COM 437076102   177,068 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   369,848 1,757 SH   SOLE   1,682 75 0
HONEYWELL INTL INC COM 438516106   251,547 1,195 SH   OTR   874 0 321
HOST HOTELS & RESORTS INC COM 44107P104   190,624 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   530,385 2,034 SH   SOLE   2,034 0 0
ILLINOIS TOOL WKS INC COM 452308109   40,417 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   67,200 2,003 SH   SOLE   2,003 0 0
INTEL CORP COM 458140100   271,755 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,269,670 11,588 SH   SOLE   11,452 133 3
INTERNATIONAL BUSINESS MACHS COM 459200101   92,266 327 SH   OTR   327 0 0
INVESCO SR INCOME TR COM 46131H107   160,492 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   229,242 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   364,286 5,006 SH   SOLE   464 0 4,542
ISHARES GOLD TR ISHARES NEW 464285204   2,080,494 28,590 SH   OTR   0 0 28,590
ISHARES TR CORE S&P500 ETF 464287200   2,363,967 3,532 SH   SOLE   2,132 1,400 0
ISHARES TR CORE US AGGBD ET 464287226   6,716 67 SH   SOLE   67 0 0
ISHARES TR CORE US AGGBD ET 464287226   243,607 2,430 SH   OTR   0 85 2,345
ISHARES TR S&P 500 GRWT ETF 464287309   389,080 3,223 SH   SOLE   3,223 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   127,480 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   327,111 1,584 SH   SOLE   1,584 0 0
ISHARES TR S&P 500 VAL ETF 464287408   99,537 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,693,451 18,137 SH   SOLE   17,987 0 150
ISHARES TR MSCI EAFE ETF 464287465   294,115 3,150 SH   OTR   1,190 0 1,960
ISHARES TR CORE S&P MCP ETF 464287507   232,717 3,566 SH   SOLE   3,566 0 0
ISHARES TR CORE S&P MCP ETF 464287507   87,774 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   310,438 970 SH   SOLE   970 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   289,868 1,198 SH   SOLE   1,198 0 0
ISHARES TR CORE S&P US VLU 464287663   290,754 2,909 SH   SOLE   0 0 2,909
ISHARES TR CORE S&P US GWT 464287671   276,262 1,679 SH   SOLE   0 0 1,679
ISHARES TR CORE S&P SCP ETF 464287804   698,720 5,880 SH   SOLE   5,880 0 0
ISHARES TR CORE S&P SCP ETF 464287804   70,703 595 SH   OTR   500 0 95
ISHARES TR NATIONAL MUN ETF 464288414   251,742 2,364 SH   SOLE   59 0 2,305
ISHARES TR NATIONAL MUN ETF 464288414   29,710 279 SH   OTR   50 0 229
ISHARES TR CORE MSCI EAFE 46432F842   247,960 2,840 SH   SOLE   2,840 0 0
JPMORGAN CHASE & CO. COM 46625H100   4,683,504 14,848 SH   SOLE   14,454 394 0
JPMORGAN CHASE & CO. COM 46625H100   1,214,090 3,849 SH   OTR   3,189 600 60
JACOBS SOLUTIONS INC COM 46982L108   2,562,606 17,100 SH   SOLE   16,904 193 3
JACOBS SOLUTIONS INC COM 46982L108   129,179 862 SH   OTR   862 0 0
JOHNSON & JOHNSON COM 478160104   1,265,120 6,823 SH   SOLE   6,492 260 71
JOHNSON & JOHNSON COM 478160104   257,733 1,390 SH   OTR   1,390 0 0
KLA CORP COM NEW 482480100   524,199 486 SH   SOLE   486 0 0
KLA CORP COM NEW 482480100   32,358 30 SH   OTR   0 0 30
KIMCO RLTY CORP COM 49446R109   1,089,615 49,868 SH   SOLE   49,840 0 28
KIMCO RLTY CORP COM 49446R109   3,758 172 SH   OTR   172 0 0
KROGER CO COM 501044101   2,508,528 37,213 SH   SOLE   36,715 489 9
KROGER CO COM 501044101   44,760 664 SH   OTR   664 0 0
ELI LILLY & CO COM 532457108   8,175,545 10,715 SH   SOLE   10,582 132 1
ELI LILLY & CO COM 532457108   1,207,829 1,583 SH   OTR   1,583 0 0
LOCKHEED MARTIN CORP COM 539830109   1,619,437 3,244 SH   SOLE   3,244 0 0
LOCKHEED MARTIN CORP COM 539830109   349,946 701 SH   OTR   351 350 0
LOWES COS INC COM 548661107   755,437 3,006 SH   SOLE   3,006 0 0
LOWES COS INC COM 548661107   502,620 2,000 SH   OTR   650 0 1,350
LULULEMON ATHLETICA INC COM 550021109   483,791 2,719 SH   SOLE   2,662 57 0
LULULEMON ATHLETICA INC COM 550021109   46,617 262 SH   OTR   262 0 0
MARRIOTT INTL INC NEW CL A 571903202   732,878 2,814 SH   SOLE   2,691 123 0
MARRIOTT INTL INC NEW CL A 571903202   51,046 196 SH   OTR   196 0 0
MARVELL TECHNOLOGY INC COM 573874104   2,548,582 30,315 SH   SOLE   30,306 0 9
MARVELL TECHNOLOGY INC COM 573874104   35,645 424 SH   OTR   424 0 0
MASTERCARD INCORPORATED CL A 57636Q104   5,394,025 9,483 SH   SOLE   9,387 95 1
MASTERCARD INCORPORATED CL A 57636Q104   426,607 750 SH   OTR   750 0 0
MCDONALDS CORP COM 580135101   1,099,777 3,619 SH   SOLE   3,253 198 168
MCDONALDS CORP COM 580135101   60,778 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   217,856 282 SH   SOLE   282 0 0
MERCK & CO INC COM 58933Y105   1,287,989 15,346 SH   SOLE   15,096 0 250
MERCK & CO INC COM 58933Y105   839,719 10,005 SH   OTR   10,005 0 0
MICROSOFT CORP COM 594918104   10,675,985 20,612 SH   SOLE   20,156 454 2
MICROSOFT CORP COM 594918104   3,985,107 7,694 SH   OTR   7,254 280 160
1MORGAN STANLEY COM NEW 617446448   280,564 1,765 SH   SOLE   1,765 0 0
NETFLIX INC COM 64110L106   4,781,292 3,988 SH   SOLE   3,891 96 1
NETFLIX INC COM 64110L106   97,112 81 SH   OTR   81 0 0
NEXTERA ENERGY INC COM 65339F101   648,006 8,584 SH   SOLE   7,765 819 0
NEXTERA ENERGY INC COM 65339F101   92,097 1,220 SH   OTR   420 800 0
NIKE INC CL B 654106103   149,082 2,138 SH   SOLE   2,138 0 0
NIKE INC CL B 654106103   96,924 1,390 SH   OTR   1,390 0 0
NUCOR CORP COM 670346105   1,028,184 7,592 SH   SOLE   7,592 0 0
NUCOR CORP COM 670346105   165,766 1,224 SH   OTR   1,224 0 0
NVIDIA CORPORATION COM 67066G104   10,736,559 57,544 SH   SOLE   56,187 1,346 11
NVIDIA CORPORATION COM 67066G104   760,686 4,077 SH   OTR   1,527 2,550 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,175,668 10,905 SH   SOLE   10,899 0 6
1WS CREDIT INCOME FUND INSTL CL 68249P102   186,835 9,655 SH   SOLE   0 0 9,655
1WS CREDIT INCOME FUND INSTL CL 68249P102   156,455 8,085 SH   OTR   0 0 8,085
ORACLE CORP COM 68389X105   3,897,142 13,857 SH   SOLE   13,852 0 5
ORACLE CORP COM 68389X105   12,093 43 SH   OTR   43 0 0
PAYCHEX INC COM 704326107   274,815 2,168 SH   SOLE   2,168 0 0
PEPSICO INC COM 713448108   1,358,335 9,672 SH   SOLE   9,111 345 216
PEPSICO INC COM 713448108   1,383,895 9,854 SH   OTR   8,784 1,000 70
PFIZER INC COM 717081103   140,827 5,527 SH   SOLE   4,686 493 348
PFIZER INC COM 717081103   346,553 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   2,029,690 14,922 SH   SOLE   14,917 0 5
PHILLIPS 66 COM 718546104   212,463 1,562 SH   OTR   1,562 0 0
PROCTER AND GAMBLE CO COM 742718109   2,850,975 18,555 SH   SOLE   17,822 420 313
PROCTER AND GAMBLE CO COM 742718109   1,594,887 10,380 SH   OTR   10,080 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,003,356 12,022 SH   SOLE   11,972 50 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   209,901 2,515 SH   OTR   1,115 1,400 0
PUBLIC STORAGE OPER CO COM 74460D109   116,984 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   261,409 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   336,546 2,023 SH   SOLE   1,962 61 0
QUALCOMM INC COM 747525103   5,822 35 SH   OTR   0 0 35
QUANTA SVCS INC COM 74762E102   4,894,714 11,811 SH   SOLE   11,670 139 2
QUANTA SVCS INC COM 74762E102   101,947 246 SH   OTR   246 0 0
QUEST DIAGNOSTICS INC COM 74834L100   2,676,886 14,046 SH   SOLE   13,879 164 3
QUEST DIAGNOSTICS INC COM 74834L100   73,373 385 SH   OTR   385 0 0
ROYAL BK CDA COM 780087102   202,270 1,373 SH   SOLE   1,373 0 0
SHELL PLC SPON ADS 780259305   1,806,490 25,255 SH   SOLE   25,247 0 8
SHELL PLC SPON ADS 780259305   19,956 279 SH   OTR   279 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,221,044 3,334 SH   SOLE   3,334 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,065,888 1,600 SH   OTR   0 1,600 0
SPDR SERIES TRUST PORTFOLIO LN TSR 78464A664   1,498,042 55,586 SH   SOLE   55,586 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   210,355 1,502 SH   SOLE   1,502 0 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763   1,400,500 10,000 SH   OTR   0 10,000 0
SPDR SERIES TRUST S&P BIOTECH 78464A870   56,913 568 SH   SOLE   0 0 568
SPDR SERIES TRUST S&P BIOTECH 78464A870   341,080 3,404 SH   OTR   0 0 3,404
SALESFORCE INC COM 79466L302   689,196 2,908 SH   SOLE   2,873 35 0
SALESFORCE INC COM 79466L302   223,965 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107   2,671,187 28,186 SH   SOLE   28,037 0 149
SOUTHERN CO COM 842587107   1,034,888 10,920 SH   OTR   10,220 700 0
STARBUCKS CORP COM 855244109   338,738 4,004 SH   SOLE   4,004 0 0
STARWOOD PPTY TR INC COM 85571B105   118,157 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   437,762 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,792,801 19,322 SH   SOLE   18,798 524 0
TJX COS INC NEW COM 872540109   403,266 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   4,313,388 18,019 SH   SOLE   17,746 269 4
T-MOBILE US INC COM 872590104   162,299 678 SH   OTR   678 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   6,418,084 22,980 SH   SOLE   22,622 358 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   201,647 722 SH   OTR   722 0 0
TESLA INC COM 88160R101   252,600 568 SH   SOLE   568 0 0
TEXAS INSTRS INC COM 882508104   2,176,098 11,844 SH   SOLE   11,841 0 3
1TEXAS INSTRS INC COM 882508104   84,332 459 SH   OTR   459 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,155,317 2,382 SH   SOLE   2,367 15 0
TOLL BROTHERS INC COM 889478103   2,338,433 16,928 SH   SOLE   16,722 202 4
TOLL BROTHERS INC COM 889478103   121,425 879 SH   OTR   879 0 0
TORTOISE CAPITAL SERIES TRUS ENERGY FD 890930209   612,297 67,508 SH   OTR   0 67,508 0
TRUIST FINL CORP COM 89832Q109   683,971 14,960 SH   SOLE   14,960 0 0
TRUIST FINL CORP COM 89832Q109   236,829 5,180 SH   OTR   0 0 5,180
UNION PAC CORP COM 907818108   611,252 2,586 SH   SOLE   2,586 0 0
UNION PAC CORP COM 907818108   138,512 586 SH   OTR   421 165 0
UNITEDHEALTH GROUP INC COM 91324P102   235,494 682 SH   SOLE   676 6 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   256,204 3,445 SH   OTR   0 0 3,445
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKTT 921943858   199,174 3,324 SH   SOLE   948 0 2,376
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKTT 921943858   166,397 2,777 SH   OTR   0 0 2,777
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   283,309 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   158,950 1,738 SH   SOLE   770 0 968
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   759,060 8,303 SH   OTR   0 723 7,580
VANGUARD INDEX FDS LARGE CAP ETF 922908637   189,949 617 SH   SOLE   270 0 347
VANGUARD INDEX FDS LARGE CAP ETF 922908637   471,025 1,530 SH   OTR   92 0 1,438
VERIZON COMMUNICATIONS INC COM 92343V104   707,199 16,091 SH   SOLE   15,348 462 281
VERIZON COMMUNICATIONS INC COM 92343V104   637,406 14,503 SH   OTR   14,503 0 0
VISA INC COM CL A 92826C839   127,334 373 SH   SOLE   373 0 0
VISA INC COM CL A 92826C839   165,569 485 SH   OTR   12 0 473
WALMART INC COM 931142103   1,952,368 18,944 SH   SOLE   18,236 588 120
WALMART INC COM 931142103   238,583 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   571,728 2,589 SH   SOLE   2,572 17 0
WASTE MGMT INC DEL COM 94106L109   313,578 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   565,004 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   2,268,252 15,502 SH   SOLE   15,498 0 4
ZOETIS INC CL A 98978V103   18,728 128 SH   OTR   128 0 0