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:12-31-2019
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:17901 CHENAL PARKWAY
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:JENNIFER JUNKER
Title:MANAGING DIRECTOR OF TRUST AND WEALTH MANAGEMENT
Phone:501-906-2528
Signature, Place, and Date of Signing:
/s/ JENNIFER JUNKERLITTLE ROCKAR02-06-2020
[Signature][City, State][Date]
Report Type (Check only one.):
X13F 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:241
Form 13F Information Table Value Total:253,057
(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 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ALLERGAN PLCSHSG0177J1083992,087SH SOLE 2,08700
ALLERGAN PLCSHSG0177J10848250SH OTR 25000
ACCENTURE PLC IRELANDSHS CLASS AG1151C1013071,456SH SOLE 1,45600
ACCENTURE PLC IRELANDSHS CLASS AG1151C101190900SH OTR 4000500
INGERSOLL-RAND PLCSHSG477911015303,987SH SOLE 3,98700
INGERSOLL-RAND PLCSHSG4779110126198SH OTR 19800
MEDTRONIC PLCSHSG5960L1032,26920,003SH SOLE 19,983020
MEDTRONIC PLCSHSG5960L1031,0379,140SH OTR 9,100400
AFLAC INCCOM0010551021,67231,600SH OTR 31,60000
AT&T INCCOM00206R1024,993127,756SH SOLE 127,053500203
AT&T INCCOM00206R1022,50864,184SH OTR 57,5546,6300
ABBOTT LABSCOM0028241001,03711,944SH SOLE 11,904040
ABBOTT LABSCOM0028241001,04712,050SH OTR 11,6504000
ABBVIE INCCOM00287Y1092,04423,081SH SOLE 23,08100
ABBVIE INCCOM00287Y1091,29214,593SH OTR 14,4931000
AIR PRODS & CHEMS INCCOM0091581062711,153SH SOLE 1,15300
ALLSTATE CORPCOM0200021011871,661SH SOLE 1,66100
ALLSTATE CORPCOM0200021016185,492SH OTR 5,49200
ALPHABET INCCAP STK CL C02079K107414310SH SOLE 31000
ALPHABET INCCAP STK CL A02079K3051,9571,461SH SOLE 1,46100
ALPHABET INCCAP STK CL A02079K305242181SH OTR 17920
ALTRIA GROUP INCCOM02209S1031,82836,632SH SOLE 36,602030
ALTRIA GROUP INCCOM02209S1032444,885SH OTR 2,1257602,000
AMERICAN ELEC PWR CO INCCOM0255371015085,379SH SOLE 5,37900
AMERICAN ELEC PWR CO INCCOM0255371012082,200SH OTR 1,5007000
AMGEN INCCOM0311621003,36413,953SH SOLE 13,943010
AMGEN INCCOM0311621005262,180SH OTR 2,110700
APPLE INCCOM0378331009,28531,620SH SOLE 31,4609070
APPLE INCCOM0378331001,2584,285SH OTR 3,390215680
APPLIED MATLS INCCOM0382221052,63543,169SH SOLE 43,079090
APPLIED MATLS INCCOM0382221052333,825SH OTR 3,82500
ARES CAP CORPCOM04010L10324513,125SH SOLE 13,12500
ARES CAP CORPCOM04010L10354129,000SH OTR 0029,000
ASHMORE FDSEMKT SHDR INST04482069412113,553SH SOLE 1,103012,450
ASHMORE FDSEMKT SHDR INST044820694212,344SH OTR 06481,696
AUTOMATIC DATA PROCESSING INCOM05301510383488SH SOLE 48800
AUTOMATIC DATA PROCESSING INCOM0530151031,5389,020SH OTR 9,02000
BANK AMER CORPCOM0605051043,36895,624SH SOLE 95,5241000
BANK AMER CORPCOM06050510492526,255SH OTR 22,3805253,350
BANK OZKCOM06417N10345,9421,506,047SH SOLE 1,506,04700
BANK OZKCOM06417N1039,232302,633SH OTR 112,907189,7260
BECTON DICKINSON & COCOM075887109203746SH SOLE 74600
BOEING COCOM0970231059422,891SH SOLE 2,89100
BOEING COCOM097023105121370SH OTR 37000
BOOKING HLDGS INCCOM09857L108871424SH SOLE 42400
BOOKING HLDGS INCCOM09857L1082110SH OTR 1000
BOOZ ALLEN HAMILTON HLDG CORCL A0995021061,36819,226SH SOLE 19,22600
BOOZ ALLEN HAMILTON HLDG CORCL A0995021061361,910SH OTR 1,840700
BRISTOL MYERS SQUIBB COCOM1101221083,17849,515SH SOLE 49,3600155
BRISTOL MYERS SQUIBB COCOM1101221082964,610SH OTR 4,0505600
BROADRIDGE FINL SOLUTIONS INCOM11133T1034944,000SH OTR 4,00000
BROADCOM INCCOM11135F101246780SH SOLE 78000
CVS HEALTH CORPCOM1266501001,68122,632SH SOLE 22,577055
CVS HEALTH CORPCOM1266501001141,540SH OTR 1,500400
CAMDEN PPTY TRSH BEN INT1331311023393,191SH SOLE 3,19100
CAPITAL ONE FINL CORPCOM14040H1051,36513,260SH SOLE 13,235025
CAPITAL ONE FINL CORPCOM14040H10548465SH OTR 430350
CHEVRON CORP NEWCOM1667641003,38928,119SH SOLE 28,089030
CHEVRON CORP NEWCOM1667641003933,257SH OTR 3,1021550
CISCO SYS INCCOM17275R1023,44271,776SH SOLE 71,5810195
CISCO SYS INCCOM17275R1024559,485SH OTR 7,6602751,550
COCA COLA COCOM19121610097517,621SH SOLE 17,551070
COCA COLA COCOM1912161004758,578SH OTR 8,1784000
COLGATE PALMOLIVE COCOM1941621034987,231SH SOLE 7,23100
COLGATE PALMOLIVE COCOM19416210323340SH OTR 03400
COMCAST CORP NEWCL A20030N1011,77539,477SH SOLE 39,3676050
COMCAST CORP NEWCL A20030N1012315,129SH OTR 3,255801,794
COMMERCE BANCSHARES INCCOM2005251031,25418,456SH SOLE 18,45600
CONOCOPHILLIPSCOM20825C10493814,417SH SOLE 14,41700
CONOCOPHILLIPSCOM20825C1042053,150SH OTR 2,9751750
CONSOLIDATED EDISON INCCOM2091151043844,250SH SOLE 4,25000
CONSOLIDATED EDISON INCCOM20911510454600SH OTR 06000
CROWN CASTLE INTL CORP NEWCOM22822V101104735SH SOLE 73500
CROWN CASTLE INTL CORP NEWCOM22822V1013092,175SH OTR 002,175
DANAHER CORPORATIONCOM2358511021,0797,028SH SOLE 7,02800
DANAHER CORPORATIONCOM23585110272472SH OTR 18520267
DARDEN RESTAURANTS INCCOM2371941052872,630SH SOLE 2,63000
DISNEY WALT COCOM DISNEY2546871067555,222SH SOLE 5,22200
DISNEY WALT COCOM DISNEY254687106116800SH OTR 80000
DUKE ENERGY CORP NEWCOM NEW26441C2041,11512,220SH SOLE 12,22000
DUKE ENERGY CORP NEWCOM NEW26441C2046346,949SH OTR 5,32401,625
EASTMAN CHEMICAL COCOM2774321006037,608SH SOLE 7,60800
EASTMAN CHEMICAL COCOM27743210051647SH OTR 64700
EMERSON ELEC COCOM2910111041872,446SH SOLE 2,44600
EMERSON ELEC COCOM29101110417225SH OTR 22500
ENTERGY CORP NEWCOM29364G1035574,653SH SOLE 4,65300
ENTERGY CORP NEWCOM29364G10336300SH OTR 03000
EXCHANGE TRADED CONCEPTS TRROBO GLB ETF3015057071593,777SH SOLE 41703,360
EXCHANGE TRADED CONCEPTS TRROBO GLB ETF30150570775217,915SH OTR 11,73506,180
EXXON MOBIL CORPCOM30231G1023,23146,300SH SOLE 46,215085
EXXON MOBIL CORPCOM30231G10298314,092SH OTR 13,8822100
FEDEX CORPCOM31428X1064172,755SH SOLE 2,75500
FIFTH THIRD BANCORPCOM31677310063120,518SH SOLE 20,51800
FORTINET INCCOM34959E1091,46813,752SH SOLE 13,75200
FORTINET INCCOM34959E1091601,500SH OTR 1,470300
GENERAL ELECTRIC COCOM36960410311810,550SH SOLE 10,55000
GENERAL ELECTRIC COCOM3696041036515SH OTR 51500
GOLDMAN SACHS GROUP INCCOM38141G1045442,366SH SOLE 2,36105
GOLDMAN SACHS GROUP INCCOM38141G104105457SH OTR 17515267
HOME DEPOT INCCOM4370761021,6777,677SH SOLE 7,6472010
HOME DEPOT INCCOM437076102128584SH OTR 58400
HONEYWELL INTL INCCOM4385161061,7409,828SH SOLE 9,7337520
HONEYWELL INTL INCCOM4385161062361,335SH OTR 1,320150
HOST HOTELS & RESORTS INCCOM44107P104713,820SH SOLE 3,82000
HOST HOTELS & RESORTS INCCOM44107P1041679,000SH OTR 009,000
HUNT J B TRANS SVCS INCCOM4456581071791,530SH SOLE 1,53000
HUNT J B TRANS SVCS INCCOM4456581071231,050SH OTR 1,05000
ILLINOIS TOOL WKS INCCOM4523081097464,153SH SOLE 4,15300
ILLINOIS TOOL WKS INCCOM45230810926145SH OTR 14500
INTEL CORPCOM4581401003,38256,503SH SOLE 55,90055053
INTEL CORPCOM4581401001,22720,495SH OTR 17,2655002,730
INTERNATIONAL BUSINESS MACHSCOM4592001015474,083SH SOLE 4,08300
INTERNATIONAL BUSINESS MACHSCOM45920010150370SH OTR 37000
INVENTRUST PPTYS CORPCOM46124J1024915,597SH SOLE 15,59700
INVESCO SR INCOME TRCOM46131H10716338,000SH SOLE 38,00000
INVESCO SR INCOME TRCOM46131H10722352,000SH OTR 0052,000
INVESCO EXCHANGE TRADED FD TS&P500 EQL HLT46137V3322331,050SH OTR 001,050
INVESCO EXCHNG TRADED FD TRCHINA TECHNLGY46138E8001212,310SH SOLE 2502,285
INVESCO EXCHNG TRADED FD TRCHINA TECHNLGY46138E8002885,475SH OTR 005,475
ISHARES GOLD TRUSTISHARES46428510535824,656SH SOLE 12,510012,146
ISHARES GOLD TRUSTISHARES46428510537025,500SH OTR 3,075022,425
ISHARES TRCORE S&P500 ETF4642872007442,303SH SOLE 2,30300
ISHARES TRCORE S&P500 ETF4642872001960SH OTR 6000
ISHARES TRMSCI EAFE ETF4642874652,39034,421SH SOLE 33,9960425
ISHARES TRMSCI EAFE ETF4642874654516,500SH OTR 6,2800220
ISHARES TRCORE S&P MCP ETF4642875073021,468SH SOLE 1,2380230
ISHARES TRCORE S&P MCP ETF46428750760290SH OTR 1650125
ISHARES TRRUS 2000 GRW ETF4642876483251,518SH SOLE 1,51800
ISHARES TRCORE S&P SCP ETF4642878041,23014,673SH SOLE 13,9320741
ISHARES TRCORE S&P SCP ETF4642878043954,715SH OTR 1,7803502,585
ISHARES TRNATIONAL MUN ETF4642884141561,373SH SOLE 20001,173
ISHARES TRNATIONAL MUN ETF46428841470615SH OTR 3450270
ISHARES TRCRE U S REIT ETF4642885211,45526,650SH SOLE 26,65000
ISHARES TRCRE U S REIT ETF46428852149900SH OTR 90000
JPMORGAN CHASE & COCOM46625H1003,29623,647SH SOLE 23,597050
JPMORGAN CHASE & COCOM46625H1005153,691SH OTR 3,4522390
JOHNSON & JOHNSONCOM4781601041,73511,897SH SOLE 11,89700
JOHNSON & JOHNSONCOM4781601044923,373SH OTR 3,0483250
KIMBERLY CLARK CORPCOM4943681033852,800SH SOLE 2,80000
KIMBERLY CLARK CORPCOM4943681031381,000SH OTR 1,00000
L3HARRIS TECHNOLOGIES INCCOM5024311092181,100SH SOLE 1,10000
LABORATORY CORP AMER HLDGSCOM NEW50540R4095263,110SH SOLE 3,11000
LABORATORY CORP AMER HLDGSCOM NEW50540R40920120SH OTR 12000
LILLY ELI & COCOM5324571081,48911,331SH SOLE 11,33100
LILLY ELI & COCOM5324571084093,112SH OTR 3,11200
LINCOLN NATL CORP INDCOM5341871091,38523,479SH SOLE 23,47900
LINCOLN NATL CORP INDCOM53418710924400SH OTR 40000
LOCKHEED MARTIN CORPCOM5398301091,3093,361SH SOLE 3,36100
LOCKHEED MARTIN CORPCOM539830109255654SH OTR 65400
LOWES COS INCCOM5486611074884,078SH SOLE 4,07800
LOWES COS INCCOM5486611073292,750SH OTR 1,40001,350
MANAGED PORTFOLIO SERTORTOISE DIGIT56167N548702,192SH SOLE 64501,547
MANAGED PORTFOLIO SERTORTOISE DIGIT56167N54838812,214SH OTR 0012,214
MASTERCARD INCCL A57636Q1042,9119,748SH SOLE 9,738010
MASTERCARD INCCL A57636Q104279935SH OTR 920150
MCDONALDS CORPCOM5801351016993,536SH SOLE 3,53600
MCDONALDS CORPCOM580135101118596SH OTR 4061900
MERCK & CO INCCOM58933Y1054,39048,268SH SOLE 48,178090
MERCK & CO INCCOM58933Y1051,16512,807SH OTR 12,1276800
MICROSOFT CORPCOM5949181045,09932,336SH SOLE 32,2613540
MICROSOFT CORPCOM5949181041,85011,730SH OTR 10,0304051,295
MICROCHIP TECHNOLOGY INCCOM5950171042692,571SH SOLE 2,57100
MICROCHIP TECHNOLOGY INCCOM5950171041051,000SH OTR 1,00000
MONDELEZ INTL INCCL A6092071052444,430SH SOLE 4,43000
NEXTERA ENERGY INCCOM65339F1011,4766,095SH SOLE 6,081140
NEXTERA ENERGY INCCOM65339F101173714SH OTR 3503640
NIKE INCCL B6541061034724,660SH SOLE 4,66000
NIKE INCCL B6541061031811,790SH OTR 1,79000
NUCOR CORPCOM67034610587815,603SH SOLE 15,60300
NUCOR CORPCOM6703461052474,385SH OTR 4,38500
ORACLE CORPCOM68389X10571613,513SH SOLE 13,51300
ORACLE CORPCOM68389X105711,335SH OTR 1,33500
PPL CORPCOM69351T1062286,346SH SOLE 6,34600
PPL CORPCOM69351T106812,265SH OTR 4651,8000
PAYCHEX INCCOM7043261073263,834SH SOLE 3,83400
PEPSICO INCCOM7134481082,60219,039SH SOLE 19,014025
PEPSICO INCCOM7134481081,65412,103SH OTR 11,6734300
PFIZER INCCOM7170811032,36260,293SH SOLE 60,1330160
PFIZER INCCOM71708110374919,113SH OTR 18,0781,0350
PHILLIPS 66COM7185461047126,395SH SOLE 6,375020
PHILLIPS 66COM71854610473655SH OTR 65500
PROCTER & GAMBLE COCOM7427181091,92215,392SH SOLE 15,342050
PROCTER & GAMBLE COCOM7427181091,70113,617SH OTR 13,3622550
PUBLIC STORAGECOM74460D10992430SH SOLE 43000
PUBLIC STORAGECOM74460D109193905SH OTR 00905
ROYAL BK CDA MONTREAL QUECOM7800871023374,254SH SOLE 4,25400
SPDR S&P 500 ETF TRTR UNIT78462F1031,6165,021SH SOLE 5,02100
SPDR S&P 500 ETF TRTR UNIT78462F1035151,600SH OTR 01,6000
SPDR SERIES TRUSTS&P DIVID ETF78464A7636686,214SH SOLE 6,21400
SPDR SERIES TRUSTS&P DIVID ETF78464A7631,07610,000SH OTR 010,0000
SALESFORCE COM INCCOM79466L3021,1637,150SH SOLE 7,15000
SALESFORCE COM INCCOM79466L302161990SH OTR 970200
SCHLUMBERGER LTDCOM8068571082967,359SH SOLE 7,35900
SCHLUMBERGER LTDCOM806857108661,653SH OTR 8550798
SONOCO PRODS COCOM835495102991,600SH SOLE 1,60000
SONOCO PRODS COCOM8354951023555,758SH OTR 5,75800
SOUTHERN COCOM8425871074156,510SH SOLE 6,3950115
SOUTHERN COCOM84258710775511,858SH OTR 10,8581,0000
STARBUCKS CORPCOM8552441091,97722,488SH SOLE 22,453035
STARBUCKS CORPCOM8552441092703,070SH OTR 3,025450
STARWOOD PPTY TR INCCOM85571B1051726,900SH SOLE 6,90000
STARWOOD PPTY TR INCCOM85571B10549720,000SH OTR 0020,000
TJX COS INC NEWCOM8725401092,51541,186SH SOLE 41,136050
TJX COS INC NEWCOM8725401092203,600SH OTR 3,1204800
TARGET CORPCOM87612EAP12662,075SH SOLE 2,07500
TARGET CORPCOM87612EAP113105SH OTR 10500
TEXTRON INCCOM8832031014079,119SH SOLE 9,11900
THERMO FISHER SCIENTIFIC INCCOM8835561022,2636,966SH SOLE 6,956010
THERMO FISHER SCIENTIFIC INCCOM8835561021650SH OTR 35150
3M COCOM88579Y1012,89416,403SH SOLE 16,40300
3M COCOM88579Y101156886SH OTR 88600
TRUIST FINL CORPCOM89832Q1091,71230,401SH SOLE 30,40100
TRUIST FINL CORPCOM89832Q1091,43725,515SH OTR 20,1102255,180
US BANCORP DELCOM NEW9029733044,04868,279SH SOLE 68,229050
UNION PACIFIC CORPCOM9078181081,7559,706SH SOLE 9,689017
UNION PACIFIC CORPCOM9078181082021,115SH OTR 1,095200
UNITED PARCEL SERVICE INCCL B9113121064443,791SH SOLE 3,79100
UNITED PARCEL SERVICE INCCL B91131210664550SH OTR 55000
UNITED TECHNOLOGIES CORPCOM9130171099106,075SH SOLE 6,07500
UNITED TECHNOLOGIES CORPCOM91301710973485SH OTR 48500
UNITEDHEALTH GROUP INCCOM91324P1023751,275SH SOLE 1,27500
UNITEDHEALTH GROUP INCCOM91324P10243145SH OTR 14500
VANECK VECTORS ETF TRUSTFALLEN ANGEL HG92189F4372247,490SH SOLE 1,35006,140
VANECK VECTORS ETF TRUSTFALLEN ANGEL HG92189F4372819,400SH OTR 009,400
VANGUARD GROUPDIV APP ETF9219088442171,737SH SOLE 1,73700
VANGUARD WHITEHALL FDS INCHIGH DIV YLD92194640614150SH SOLE 00150
VANGUARD WHITEHALL FDS INCHIGH DIV YLD9219464062152,295SH OTR 002,295
VANGUARD INDEX FDSLARGE CAP ETF922908637140945SH SOLE 6100335
VANGUARD INDEX FDSLARGE CAP ETF9229086374503,045SH OTR 56502,480
VERIZON COMMUNICATIONS INCCOM92343V1043,85362,748SH SOLE 62,6480100
VERIZON COMMUNICATIONS INCCOM92343V1041,05117,125SH OTR 16,6504750
VISA INCCOM CL A92826C8392701,437SH SOLE 1,43700
VISA INCCOM CL A92826C83939207SH OTR 00207
WALMART INCCOM9311421031,61413,578SH SOLE 13,528050
WALMART INCCOM93114210349410SH OTR 41000
WALGREENS BOOTS ALLIANCE INCCOM9314271082985,049SH SOLE 5,04900
WALGREENS BOOTS ALLIANCE INCCOM9314271087125SH OTR 12500
WASTE MGMT INC DELCOM94106L1094103,600SH SOLE 3,60000
WASTE MGMT INC DELCOM94106L1092582,260SH OTR 2,26000
WELLS FARGO CO NEWCOM9497461015059,390SH SOLE 9,39000
WELLS FARGO CO NEWCOM94974610149910SH OTR 91000