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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: 12-31-2025
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 02-17-2026
[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: 267
Form 13F Information Table Value Total: 283,263,555
(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   463,297 4,823 SH   SOLE   4,823 0 0
MEDTRONIC PLC SHS G5960L103   889,035 9,255 SH   OTR   8,620 0 635
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   782,658 2,842 SH   SOLE   2,842 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   3,613,722 9,285 SH   SOLE   9,146 134 5
TRANE TECHNOLOGIES PLC SHS G8994E103   40,866 105 SH   OTR   105 0 0
AFLAC INC COM 001055102   14,004 127 SH   SOLE   127 0 0
AFLAC INC COM 001055102   2,481,075 22,500 SH   OTR   22,500 0 0
AT&T INC COM 00206R102   354,864 14,286 SH   SOLE   13,601 685 0
AT&T INC COM 00206R102   20,219 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   791,832 6,320 SH   SOLE   5,835 350 135
ABBOTT LABS COM 002824100   1,252,900 10,000 SH   OTR   10,000 0 0
ABBVIE INC COM 00287Y109   2,990,020 13,086 SH   SOLE   12,986 100 0
ABBVIE INC COM 00287Y109   2,891,540 12,655 SH   OTR   12,655 0 0
ALLSTATE CORP COM 020002101   215,851 1,037 SH   SOLE   1,037 0 0
ALLSTATE CORP COM 020002101   1,056,777 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   524,673 1,672 SH   SOLE   1,672 0 0
ALPHABET INC CAP STK CL A 02079K305   3,980,108 12,716 SH   SOLE   12,569 147 0
ALPHABET INC CAP STK CL A 02079K305   1,138,694 3,638 SH   OTR   3,200 0 438
ALTRIA GROUP INC COM 02209S103   321,742 5,580 SH   SOLE   4,860 720 0
ALTRIA GROUP INC COM 02209S103   115,320 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   625,291 2,709 SH   SOLE   2,572 137 0
AMAZON COM INC COM 023135106   69,246 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   409,004 3,547 SH   SOLE   3,547 0 0
AMERICAN ELEC PWR CO INC COM 025537101   267,519 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   3,726,876 10,074 SH   SOLE   9,915 153 6
AMERICAN EXPRESS CO COM 025816109   38,474 104 SH   OTR   104 0 0
AMERIPRISE FINL INC COM 03076C106   3,021,475 6,162 SH   SOLE   6,056 103 3
AMERIPRISE FINL INC COM 03076C106   26,968 55 SH   OTR   55 0 0
AMGEN INC COM 031162100   3,949,322 12,066 SH   SOLE   11,919 143 4
AMGEN INC COM 031162100   242,864 742 SH   OTR   667 0 75
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   78,733 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   208,879 4,014 SH   OTR   0 0 4,014
APPLE INC COM 037833100   14,709,257 54,106 SH   SOLE   52,915 1,028 163
APPLE INC COM 037833100   1,671,667 6,149 SH   OTR   5,131 0 1,018
APPLIED MATLS INC COM 038222105   4,758,169 18,515 SH   SOLE   18,515 0 0
APPLIED MATLS INC COM 038222105   719,572 2,800 SH   OTR   2,800 0 0
ARES CAPITAL CORP COM 04010L103   246,118 12,166 SH   SOLE   12,166 0 0
ARES CAPITAL CORP COM 04010L103   586,670 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM SHS 040413205   4,690,218 35,795 SH   SOLE   35,028 747 20
ARISTA NETWORKS INC COM SHS 040413205   75,211 574 SH   OTR   574 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   2,216,983 24,116 SH   SOLE   24,104 0 12
ASTRAZENECA PLC SPONSORED ADR 046353108   19,856 216 SH   OTR   216 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   83,342 324 SH   SOLE   324 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,798,037 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   897,121 4,948 SH   SOLE   4,948 0 0
AVALONBAY CMNTYS INC COM 053484101   63,821 352 SH   OTR   352 0 0
BANK AMERICA CORP COM 060505104   2,452,615 44,593 SH   SOLE   43,677 308 608
BANK AMERICA CORP COM 060505104   703,780 12,796 SH   OTR   9,296 200 3,300
BARON ETF TR FINANCIALS ETF 06829D404   119,556 4,802 SH   SOLE   0 0 4,802
BARON ETF TR FINANCIALS ETF 06829D404   438,862 17,627 SH   OTR   0 0 17,627
BARRICK MNG CORP COM SHS 06849F108   680,555 15,627 SH   SOLE   15,627 0 0
BARRICK MNG CORP COM SHS 06849F108   11,061 254 SH   OTR   254 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   118,625 236 SH   SOLE   236 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   87,963 175 SH   OTR   0 0 175
BLACKSTONE INC COM 09260D107   2,945,923 19,112 SH   SOLE   18,802 297 13
BLACKSTONE INC COM 09260D107   31,136 202 SH   OTR   202 0 0
BLACKROCK INC COM 09290D101   1,261,930 1,179 SH   SOLE   1,179 0 0
BLACKROCK INC COM 09290D101   97,400 91 SH   OTR   31 50 10
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   267,732 5,328 SH   SOLE   5,328 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   391,683 4,643 SH   SOLE   4,573 70 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   109,414 1,297 SH   OTR   297 1,000 0
BRISTOL-MYERS SQUIBB CO COM 110122108   298,611 5,536 SH   SOLE   5,036 500 0
BRISTOL-MYERS SQUIBB CO COM 110122108   153,189 2,840 SH   OTR   400 1,300 1,140
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   892,680 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   2,306,410 6,664 SH   SOLE   6,394 0 270
BROADCOM INC COM 11135F101   422,242 1,220 SH   OTR   0 1,050 170
CSX CORP COM 126408103   3,461,766 95,497 SH   SOLE   95,455 0 42
CSX CORP COM 126408103   3,008 83 SH   OTR   83 0 0
CAPITAL ONE FINL CORP COM 14040H105   1,229,492 5,073 SH   SOLE   5,073 0 0
CHEVRON CORP NEW COM 166764100   1,471,975 9,658 SH   SOLE   9,482 176 0
CHEVRON CORP NEW COM 166764100   344,294 2,259 SH   OTR   1,758 0 501
CHIPOTLE MEXICAN GRILL INC COM 169656105   1,576,718 42,614 SH   SOLE   42,596 0 18
CISCO SYS INC COM 17275R102   1,912,500 24,828 SH   SOLE   24,411 200 217
CISCO SYS INC COM 17275R102   289,709 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   328,786 4,703 SH   SOLE   4,672 31 0
COCA COLA CO COM 191216100   518,592 7,418 SH   OTR   7,418 0 0
COMCAST CORP NEW CL A 20030N101   192,850 6,452 SH   SOLE   6,394 58 0
COMCAST CORP NEW CL A 20030N101   83,901 2,807 SH   OTR   0 1,000 1,807
CONOCOPHILLIPS COM 20825C104   419,185 4,478 SH   SOLE   4,156 184 138
CONOCOPHILLIPS COM 20825C104   167,749 1,792 SH   OTR   1,792 0 0
CONSOLIDATED EDISON INC COM 209115104   319,413 3,216 SH   SOLE   3,216 0 0
CONSOLIDATED EDISON INC COM 209115104   59,592 600 SH   OTR   0 600 0
COSTCO WHOLESALE CORPORATION COM 22160K105   3,573,536 4,144 SH   SOLE   4,072 70 2
COSTCO WHOLESALE CORPORATION COM 22160K105   113,828 132 SH   OTR   132 0 0
CROWN CASTLE INC COM 22822V101   63,097 710 SH   SOLE   685 25 0
CROWN CASTLE INC COM 22822V101   219,953 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   434,842 934 SH   SOLE   934 0 0
DICKS SPORTING GOODS INC COM 253393102   2,296,452 11,600 SH   SOLE   11,492 100 8
DICKS SPORTING GOODS INC COM 253393102   75,624 382 SH   OTR   382 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   716,973 6,117 SH   SOLE   6,117 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   590,855 5,041 SH   OTR   3,246 0 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,149,679 28,599 SH   SOLE   28,205 380 14
DUPONT DE NEMOURS INC COM 26614N102   12,220 304 SH   OTR   304 0 0
EMERSON ELEC CO COM 291011104   325,429 2,452 SH   SOLE   2,195 0 257
EMERSON ELEC CO COM 291011104   232,260 1,750 SH   OTR   0 1,690 60
ENTERGY CORP NEW COM 29364G103   588,779 6,370 SH   SOLE   6,370 0 0
ENTERGY CORP NEW COM 29364G103   110,916 1,200 SH   OTR   0 1,200 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   264,556 3,817 SH   SOLE   339 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,396,042 20,142 SH   OTR   13,890 0 6,252
EXXON MOBIL CORP COM 30231G102   1,913,526 15,901 SH   SOLE   15,528 158 215
EXXON MOBIL CORP COM 30231G102   403,379 3,352 SH   OTR   3,352 0 0
META PLATFORMS INC CL A 30303M102   3,654,258 5,536 SH   SOLE   5,410 123 3
META PLATFORMS INC CL A 30303M102   256,775 389 SH   OTR   86 0 303
FIDELITY NATL INFORMATION SV COM 31620M106   1,913,715 28,795 SH   SOLE   28,325 455 15
FIDELITY NATL INFORMATION SV COM 31620M106   26,650 401 SH   OTR   401 0 0
FORTINET INC COM 34959E109   2,854,313 35,944 SH   SOLE   35,944 0 0
FORTINET INC COM 34959E109   547,929 6,900 SH   OTR   6,900 0 0
GENUINE PARTS CO COM 372460105   262,642 2,136 SH   SOLE   2,121 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   275,127 313 SH   SOLE   298 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   226,782 258 SH   OTR   0 0 258
HOME DEPOT INC COM 437076102   1,387,411 4,032 SH   SOLE   3,892 51 89
HOME DEPOT INC COM 437076102   150,371 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   327,165 1,677 SH   SOLE   1,602 75 0
HONEYWELL INTL INC COM 438516106   231,181 1,185 SH   OTR   874 0 311
HOST HOTELS & RESORTS INC COM 44107P104   198,576 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   506,146 2,055 SH   SOLE   2,055 0 0
ILLINOIS TOOL WKS INC COM 452308109   38,176 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   71,512 1,938 SH   SOLE   1,938 0 0
INTEL CORP COM 458140100   298,890 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   3,472,766 11,724 SH   SOLE   11,585 133 6
INTERNATIONAL BUSINESS MACHS COM 459200101   69,609 235 SH   OTR   235 0 0
INVESCO SR INCOME TR COM 46131H107   151,678 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   248,430 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   385,232 4,746 SH   SOLE   404 0 4,342
ISHARES GOLD TR ISHARES NEW 464285204   2,300,763 28,345 SH   OTR   0 0 28,345
ISHARES TR CORE S&P500 ETF 464287200   2,451,400 3,579 SH   SOLE   2,179 1,400 0
ISHARES TR CORE US AGGBD ET 464287226   6,691 67 SH   SOLE   67 0 0
ISHARES TR CORE US AGGBD ET 464287226   242,708 2,430 SH   OTR   0 85 2,345
ISHARES TR S&P 500 GRWT ETF 464287309   397,266 3,223 SH   SOLE   3,223 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   130,162 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   317,256 1,496 SH   SOLE   1,496 0 0
ISHARES TR S&P 500 VAL ETF 464287408   102,217 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,720,569 17,917 SH   SOLE   17,767 0 150
ISHARES TR MSCI EAFE ETF 464287465   302,494 3,150 SH   OTR   1,190 0 1,960
ISHARES TR CORE S&P MCP ETF 464287507   235,356 3,566 SH   SOLE   3,566 0 0
ISHARES TR CORE S&P MCP ETF 464287507   88,770 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   313,319 970 SH   SOLE   970 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   282,099 1,146 SH   SOLE   1,146 0 0
ISHARES TR CORE S&P US VLU 464287663   313,669 3,059 SH   SOLE   0 0 3,059
ISHARES TR CORE S&P US GWT 464287671   256,444 1,527 SH   SOLE   0 0 1,527
ISHARES TR CORE S&P SCP ETF 464287804   706,658 5,880 SH   SOLE   5,880 0 0
ISHARES TR CORE S&P SCP ETF 464287804   71,507 595 SH   OTR   500 0 95
ISHARES TR NATIONAL MUN ETF 464288414   280,628 2,620 SH   SOLE   59 0 2,561
ISHARES TR NATIONAL MUN ETF 464288414   29,883 279 SH   OTR   50 0 229
ISHARES TR CORE MSCI EAFE 46432F842   254,066 2,840 SH   SOLE   2,840 0 0
JPMORGAN CHASE & CO. COM 46625H100   4,479,824 13,903 SH   SOLE   13,509 394 0
JPMORGAN CHASE & CO. COM 46625H100   1,179,325 3,660 SH   OTR   3,000 600 60
JACOBS SOLUTIONS INC COM 46982L108   2,248,640 16,976 SH   SOLE   16,777 193 6
JACOBS SOLUTIONS INC COM 46982L108   82,522 623 SH   OTR   623 0 0
JOHNSON & JOHNSON COM 478160104   1,437,888 6,948 SH   SOLE   6,617 260 71
JOHNSON & JOHNSON COM 478160104   287,660 1,390 SH   OTR   1,390 0 0
KLA CORP COM NEW 482480100   673,154 554 SH   SOLE   554 0 0
KLA CORP COM NEW 482480100   36,452 30 SH   OTR   0 0 30
KIMCO REALTY CORP COM 49446R109   1,169,295 57,686 SH   SOLE   57,629 0 57
KIMCO REALTY CORP COM 49446R109   3,486 172 SH   OTR   172 0 0
KROGER CO COM 501044101   2,361,494 37,796 SH   SOLE   37,288 489 19
KROGER CO COM 501044101   21,930 351 SH   OTR   351 0 0
ELI LILLY & CO COM 532457108   11,218,584 10,439 SH   SOLE   10,304 132 3
ELI LILLY & CO COM 532457108   1,523,896 1,418 SH   OTR   1,418 0 0
LOCKHEED MARTIN CORP COM 539830109   1,487,285 3,075 SH   SOLE   3,075 0 0
LOCKHEED MARTIN CORP COM 539830109   326,960 676 SH   OTR   326 350 0
LOWES COS INC COM 548661107   761,342 3,157 SH   SOLE   3,157 0 0
LOWES COS INC COM 548661107   446,146 1,850 SH   OTR   500 0 1,350
MARRIOTT INTL INC NEW CL A 571903202   757,295 2,441 SH   SOLE   2,318 123 0
MARRIOTT INTL INC NEW CL A 571903202   21,406 69 SH   OTR   69 0 0
MARVELL TECHNOLOGY INC COM 573874104   2,677,379 31,506 SH   SOLE   31,485 0 21
MARVELL TECHNOLOGY INC COM 573874104   33,482 394 SH   OTR   394 0 0
MASTERCARD INCORPORATED CL A 57636Q104   5,177,881 9,070 SH   SOLE   8,973 95 2
MASTERCARD INCORPORATED CL A 57636Q104   338,531 593 SH   OTR   593 0 0
MCDONALDS CORP COM 580135101   1,123,190 3,675 SH   SOLE   3,309 198 168
MCDONALDS CORP COM 580135101   61,126 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   231,321 282 SH   SOLE   282 0 0
MERCK & CO INC COM 58933Y105   1,588,478 15,091 SH   SOLE   14,841 0 250
MERCK & CO INC COM 58933Y105   1,032,495 9,809 SH   OTR   9,809 0 0
MICROSOFT CORP COM 594918104   9,686,908 20,030 SH   SOLE   19,572 454 4
MICROSOFT CORP COM 594918104   3,354,871 6,937 SH   OTR   6,497 280 160
MORGAN STANLEY COM NEW 617446448   313,340 1,765 SH   SOLE   1,765 0 0
NETFLIX INC. COM 64110L106   3,531,470 37,665 SH   SOLE   36,685 960 20
NETFLIX INC. COM 64110L106   45,004 480 SH   OTR   480 0 0
NEXTERA ENERGY INC COM 65339F101   620,243 7,726 SH   SOLE   6,907 819 0
NEXTERA ENERGY INC COM 65339F101   70,646 880 SH   OTR   80 800 0
NUCOR CORP COM 670346105   1,258,556 7,716 SH   SOLE   7,716 0 0
NUCOR CORP COM 670346105   199,646 1,224 SH   OTR   1,224 0 0
NVIDIA CORPORATION COM 67066G104   10,819,984 58,016 SH   SOLE   56,647 1,346 23
NVIDIA CORPORATION COM 67066G104   643,611 3,451 SH   OTR   901 2,550 0
OREILLY AUTOMOTIVE INC COM 67103H107   1,826,297 20,023 SH   SOLE   20,011 0 12
OREILLY AUTOMOTIVE INC COM 67103H107   43,324 475 SH   OTR   475 0 0
WS CREDIT INCOME FUND INSTL CL 68249P102   187,445 9,778 SH   SOLE   0 0 9,778
WS CREDIT INCOME FUND INSTL CL 68249P102   155,000 8,085 SH   OTR   0 0 8,085
ORACLE CORP COM 68389X105   2,893,828 14,847 SH   SOLE   14,837 0 10
ORACLE CORP COM 68389X105   8,381 43 SH   OTR   43 0 0
PAYCHEX INC COM 704326107   271,924 2,424 SH   SOLE   2,424 0 0
PEPSICO INC COM 713448108   1,343,490 9,361 SH   SOLE   8,800 345 216
PEPSICO INC COM 713448108   1,399,894 9,754 SH   OTR   8,684 1,000 70
PFIZER INC COM 717081103   154,031 6,186 SH   SOLE   5,345 493 348
PFIZER INC COM 717081103   338,664 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   1,985,280 15,385 SH   SOLE   15,375 0 10
PHILLIPS 66 COM 718546104   189,301 1,467 SH   OTR   1,467 0 0
PROCTER & GAMBLE CO COM 742718109   2,707,985 18,896 SH   SOLE   18,160 420 316
PROCTER & GAMBLE CO COM 742718109   1,487,557 10,380 SH   OTR   10,080 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   950,752 11,840 SH   SOLE   11,790 50 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   201,954 2,515 SH   OTR   1,115 1,400 0
PUBLIC STORAGE OPER CO COM 74460D109   105,097 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   234,847 905 SH   OTR   0 0 905
QNITY ELECTRONICS INC COMMON STOCK 74743L100   601,371 7,365 SH   SOLE   7,361 0 3
QNITY ELECTRONICS INC COMMON STOCK 74743L100   559 6 SH   OTR   6 0 0
QUALCOMM INC COM 747525103   385,033 2,251 SH   SOLE   2,190 61 0
QUALCOMM INC COM 747525103   5,986 35 SH   OTR   0 0 35
QUANTA SVCS INC COM 74762E102   4,979,463 11,798 SH   SOLE   11,654 139 5
QUANTA SVCS INC COM 74762E102   56,556 134 SH   OTR   134 0 0
QUEST DIAGNOSTICS INC COM 74834L100   2,455,796 14,152 SH   SOLE   13,982 164 6
QUEST DIAGNOSTICS INC COM 74834L100   35,747 206 SH   OTR   206 0 0
RTX CORPORATION COM 75513E101   211,460 1,153 SH   SOLE   1,153 0 0
RESTAURANT BRANDS INTL INC COM 76131D103   1,100,618 16,131 SH   SOLE   16,121 0 10
RESTAURANT BRANDS INTL INC COM 76131D103   77,986 1,143 SH   OTR   1,143 0 0
ROYAL BK CDA COM 780087102   287,957 1,689 SH   SOLE   1,689 0 0
SHELL PLC SPON ADS 780259305   1,895,710 25,799 SH   SOLE   25,783 0 16
SHELL PLC SPON ADS 780259305   17,047 232 SH   OTR   232 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   2,279,658 3,343 SH   SOLE   3,343 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103   1,091,072 1,600 SH   OTR   0 1,600 0
SPDR SERIES TRUST STATE STREET SPD 78464A664   1,449,311 54,753 SH   SOLE   54,753 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A763   209,018 1,502 SH   SOLE   1,502 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A763   1,391,600 10,000 SH   OTR   0 10,000 0
SPDR SERIES TRUST STATE STREET SPD 78464A870   69,256 568 SH   SOLE   0 0 568
SPDR SERIES TRUST STATE STREET SPD 78464A870   415,049 3,404 SH   OTR   0 0 3,404
SALESFORCE INC COM 79466L302   766,914 2,895 SH   SOLE   2,860 35 0
SALESFORCE INC COM 79466L302   250,339 945 SH   OTR   945 0 0
SANOFI SA SPONSORED ADR 80105N105   207,844 4,289 SH   SOLE   4,289 0 0
SOUTHERN CO COM 842587107   2,526,968 28,979 SH   SOLE   28,823 0 156
SOUTHERN CO COM 842587107   948,736 10,880 SH   OTR   10,180 700 0
STARBUCKS CORP COM 855244109   337,176 4,004 SH   SOLE   4,004 0 0
STARWOOD PPTY TR INC COM 85571B105   109,861 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   407,026 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,934,872 19,106 SH   SOLE   18,582 524 0
TJX COS INC NEW COM 872540109   428,571 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   3,619,797 17,828 SH   SOLE   17,551 269 8
T-MOBILE US INC COM 872590104   110,047 542 SH   OTR   542 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   7,043,866 23,179 SH   SOLE   22,814 358 7
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   136,446 449 SH   OTR   449 0 0
TESLA INC COM 88160R101   255,440 568 SH   SOLE   568 0 0
TEXAS INSTRS INC COM 882508104   2,087,952 12,035 SH   SOLE   12,029 0 6
TEXAS INSTRS INC COM 882508104   77,897 449 SH   OTR   449 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,373,296 2,370 SH   SOLE   2,355 15 0
TOLL BROTHERS INC COM 889478103   2,286,705 16,911 SH   SOLE   16,701 202 8
TOLL BROTHERS INC COM 889478103   95,735 708 SH   OTR   708 0 0
TORTOISE CAPITAL SERIES TRUS ENERGY FD 890930209   610,272 67,508 SH   OTR   0 67,508 0
TRUIST FINL CORP COM 89832Q109   786,917 15,991 SH   SOLE   15,991 0 0
TRUIST FINL CORP COM 89832Q109   254,907 5,180 SH   OTR   0 0 5,180
UNION PAC CORP COM 907818108   555,630 2,402 SH   SOLE   2,402 0 0
UNION PAC CORP COM 907818108   95,997 415 SH   OTR   250 165 0
UNITEDHEALTH GROUP INC COM 91324P102   225,135 682 SH   SOLE   676 6 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   255,171 3,445 SH   SOLE   0 0 3,445
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   379,380 6,073 SH   SOLE   948 0 5,125
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   288,475 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   157,538 1,780 SH   SOLE   770 0 1,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   745,793 8,428 SH   OTR   0 723 7,705
VANGUARD INDEX FDS LARGE CAP ETF 922908637   194,231 617 SH   SOLE   270 0 347
VANGUARD INDEX FDS LARGE CAP ETF 922908637   481,644 1,530 SH   OTR   92 0 1,438
VERIZON COMMUNICATIONS INC COM 92343V104   695,668 17,080 SH   SOLE   16,337 462 281
VERIZON COMMUNICATIONS INC COM 92343V104   590,707 14,503 SH   OTR   14,503 0 0
VISA INC COM CL A 92826C839   105,213 300 SH   SOLE   300 0 0
VISA INC COM CL A 92826C839   170,094 485 SH   OTR   12 0 473
WALMART INC COM 931142103   1,994,127 17,899 SH   SOLE   17,191 588 120
WALMART INC COM 931142103   257,914 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   548,835 2,498 SH   SOLE   2,481 17 0
WASTE MGMT INC DEL COM 94106L109   311,988 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   566,389 9,895 SH   OTR   0 0 9,895