View:
Download DOC
Download PDF
Download XLS
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: 06-30-2024
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 07-29-2024
[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: 269
Form 13F Information Table Value Total: 231,010,393
(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   1,531,006 5,046 SH   SOLE   5,046 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   166,268 548 SH   OTR   469 79 0
MEDTRONIC PLC SHS G5960L103   514,684 6,539 SH   SOLE   6,539 0 0
MEDTRONIC PLC SHS G5960L103   694,615 8,825 SH   OTR   8,620 0 205
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   286,264 2,772 SH   SOLE   2,772 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   1,940,358 5,899 SH   SOLE   5,899 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   190,779 580 SH   OTR   446 134 0
NXP SEMICONDUCTORS N V COM N6596X109   2,169,134 8,061 SH   SOLE   8,061 0 0
NXP SEMICONDUCTORS N V COM N6596X109   301,649 1,121 SH   OTR   907 134 80
AFLAC INC COM 001055102   2,098,785 23,500 SH   OTR   23,500 0 0
AT&T INC COM 00206R102   371,116 19,420 SH   SOLE   18,730 690 0
AT&T INC COM 00206R102   15,555 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   735,371 7,077 SH   SOLE   6,727 350 0
ABBOTT LABS COM 002824100   1,055,725 10,160 SH   OTR   10,160 0 0
ABBVIE INC COM 00287Y109   2,753,410 16,053 SH   SOLE   15,953 100 0
ABBVIE INC COM 00287Y109   2,170,585 12,655 SH   OTR   12,655 0 0
ADOBE INC COM 00724F101   275,547 496 SH   SOLE   496 0 0
ADOBE INC COM 00724F101   76,664 138 SH   OTR   0 0 138
ALLSTATE CORP COM 020002101   181,533 1,137 SH   SOLE   1,137 0 0
ALLSTATE CORP COM 020002101   810,593 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   495,967 2,704 SH   SOLE   2,704 0 0
ALPHABET INC CAP STK CL A 02079K305   2,865,765 15,733 SH   SOLE   15,582 151 0
ALPHABET INC CAP STK CL A 02079K305   582,880 3,200 SH   OTR   3,200 0 0
ALTRIA GROUP INC COM 02209S103   262,595 5,765 SH   SOLE   5,045 720 0
ALTRIA GROUP INC COM 02209S103   91,100 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   874,263 4,524 SH   SOLE   4,383 141 0
AMAZON COM INC COM 023135106   57,975 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   306,826 3,497 SH   SOLE   3,497 0 0
AMERICAN ELEC PWR CO INC COM 025537101   203,556 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   1,452,744 6,274 SH   SOLE   6,274 0 0
AMERICAN EXPRESS CO COM 025816109   101,882 440 SH   OTR   285 155 0
AMERIPRISE FINL INC COM 03076C106   1,627,593 3,810 SH   SOLE   3,810 0 0
AMERIPRISE FINL INC COM 03076C106   121,321 284 SH   OTR   173 111 0
AMGEN INC COM 031162100   3,332,591 10,666 SH   SOLE   10,616 50 0
AMGEN INC COM 031162100   405,560 1,298 SH   OTR   1,112 111 75
AMPLIFY ETF TR AMPLIFY MOBILE P 032108656   70,778 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY MOBILE P 032108656   193,201 4,130 SH   OTR   0 0 4,130
APPLE INC COM 037833100   11,692,779 55,516 SH   SOLE   54,908 608 0
APPLE INC COM 037833100   1,740,142 8,262 SH   OTR   6,722 516 1,024
APPLIED MATLS INC COM 038222105   5,363,580 22,728 SH   SOLE   22,728 0 0
APPLIED MATLS INC COM 038222105   729,209 3,090 SH   OTR   3,090 0 0
ARES CAPITAL CORP COM 04010L103   253,476 12,163 SH   SOLE   12,163 0 0
ARES CAPITAL CORP COM 04010L103   604,360 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM 040413106   2,872,534 8,196 SH   SOLE   8,196 0 0
ARISTA NETWORKS INC COM 040413106   205,381 586 SH   OTR   361 225 0
ASHLAND INC COM 044186104   200,980 2,127 SH   SOLE   2,127 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   85,451 358 SH   SOLE   358 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,668,443 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,432,092 6,922 SH   SOLE   6,922 0 0
AVALONBAY CMNTYS INC COM 053484101   175,649 849 SH   OTR   744 105 0
BANK AMERICA CORP COM 060505104   2,080,050 52,302 SH   SOLE   51,519 0 783
BANK AMERICA CORP COM 060505104   608,640 15,304 SH   OTR   10,071 508 4,725
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   89,902 221 SH   SOLE   221 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   160,279 394 SH   OTR   103 0 291
BLACKROCK INC COM 09247X101   1,062,094 1,349 SH   SOLE   1,346 3 0
BLACKROCK INC COM 09247X101   85,817 109 SH   OTR   39 60 10
BLACKSTONE INC COM 09260D107   1,483,866 11,986 SH   SOLE   11,986 0 0
BLACKSTONE INC COM 09260D107   104,239 842 SH   OTR   514 328 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   355,328 7,067 SH   SOLE   7,067 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   826,750 5,372 SH   SOLE   5,372 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   226,233 1,470 SH   OTR   400 1,070 0
BRISTOL-MYERS SQUIBB CO COM 110122108   354,209 8,529 SH   SOLE   8,029 500 0
BRISTOL-MYERS SQUIBB CO COM 110122108   103,825 2,500 SH   OTR   1,200 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   788,000 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   1,080,521 673 SH   SOLE   673 0 0
BROADCOM INC COM 11135F101   195,874 122 SH   OTR   0 105 17
CAPITAL ONE FINL CORP COM 14040H105   698,341 5,044 SH   SOLE   5,044 0 0
CAPITAL ONE FINL CORP COM 14040H105   17,306 125 SH   OTR   125 0 0
CHEVRON CORP NEW COM 166764100   1,722,497 11,012 SH   SOLE   10,835 177 0
CHEVRON CORP NEW COM 166764100   300,795 1,923 SH   OTR   1,923 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   3,170,152 50,601 SH   SOLE   50,351 250 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   332,045 5,300 SH   OTR   4,250 1,050 0
CISCO SYS INC COM 17275R102   1,323,771 27,863 SH   SOLE   27,663 200 0
CISCO SYS INC COM 17275R102   178,685 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   1,406,855 22,103 SH   SOLE   21,671 432 0
COCA COLA CO COM 191216100   523,139 8,219 SH   OTR   7,856 363 0
COLGATE PALMOLIVE CO COM 194162103   211,838 2,183 SH   SOLE   1,843 340 0
COMCAST CORP NEW CL A 20030N101   229,203 5,853 SH   SOLE   5,793 60 0
COMCAST CORP NEW CL A 20030N101   162,200 4,142 SH   OTR   400 1,000 2,742
CONOCOPHILLIPS COM 20825C104   514,824 4,501 SH   SOLE   4,317 184 0
CONOCOPHILLIPS COM 20825C104   200,165 1,750 SH   OTR   1,750 0 0
CONSOLIDATED EDISON INC COM 209115104   152,461 1,705 SH   SOLE   1,705 0 0
CONSOLIDATED EDISON INC COM 209115104   53,652 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   2,729,317 3,211 SH   SOLE   3,193 18 0
COSTCO WHSL CORP NEW COM 22160K105   272,846 321 SH   OTR   270 51 0
CROWN CASTLE INC COM 22822V101   69,464 711 SH   SOLE   685 26 0
CROWN CASTLE INC COM 22822V101   241,807 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   340,376 911 SH   SOLE   911 0 0
DICKS SPORTING GOODS INC COM 253393102   1,182,104 5,502 SH   SOLE   5,502 0 0
DICKS SPORTING GOODS INC COM 253393102   99,045 461 SH   OTR   361 100 0
DIGITAL RLTY TR INC COM 253868103   258,789 1,702 SH   SOLE   1,702 0 0
DOLLAR GEN CORP NEW COM 256677105   943,857 7,138 SH   SOLE   7,138 0 0
DOLLAR GEN CORP NEW COM 256677105   105,519 798 SH   OTR   557 241 0
DUKE ENERGY CORP NEW COM NEW 26441C204   725,464 7,238 SH   SOLE   7,238 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   528,813 5,276 SH   OTR   3,246 235 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,728,925 21,480 SH   SOLE   21,480 0 0
DUPONT DE NEMOURS INC COM 26614N102   103,349 1,284 SH   OTR   881 403 0
EASTMAN CHEM CO COM 277432100   211,713 2,161 SH   SOLE   2,161 0 0
EASTMAN CHEM CO COM 277432100   132,259 1,350 SH   OTR   0 1,350 0
ELECTRONIC ARTS INC COM 285512109   1,238,643 8,890 SH   SOLE   8,890 0 0
ELECTRONIC ARTS INC COM 285512109   77,467 556 SH   OTR   381 175 0
EMERSON ELEC CO COM 291011104   298,423 2,709 SH   SOLE   2,416 0 293
EMERSON ELEC CO COM 291011104   186,170 1,690 SH   OTR   0 1,690 0
ENTERGY CORP NEW COM 29364G103   360,055 3,365 SH   SOLE   3,365 0 0
ENTERGY CORP NEW COM 29364G103   64,200 600 SH   OTR   0 600 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   227,067 4,121 SH   SOLE   643 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,133,241 20,567 SH   OTR   14,315 0 6,252
EXXON MOBIL CORP COM 30231G102   1,869,318 16,238 SH   SOLE   15,861 162 215
EXXON MOBIL CORP COM 30231G102   534,156 4,640 SH   OTR   4,303 337 0
META PLATFORMS INC CL A 30303M102   185,048 367 SH   SOLE   331 36 0
META PLATFORMS INC CL A 30303M102   186,057 369 SH   OTR   0 0 369
FEDEX CORP COM 31428X106   548,707 1,830 SH   SOLE   1,830 0 0
FIDELITY NATL INFORMATION SV COM 31620M106   1,402,449 18,610 SH   SOLE   18,577 33 0
FIDELITY NATL INFORMATION SV COM 31620M106   89,376 1,186 SH   OTR   746 440 0
FORTINET INC COM 34959E109   2,545,262 42,231 SH   SOLE   42,231 0 0
FORTINET INC COM 34959E109   467,393 7,755 SH   OTR   7,690 65 0
GENUINE PARTS CO COM 372460105   300,292 2,171 SH   SOLE   2,156 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   148,813 329 SH   SOLE   314 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   173,690 384 SH   OTR   0 0 384
HP INC COM 40434L105   224,233 6,403 SH   SOLE   6,403 0 0
HOME DEPOT INC COM 437076102   1,594,519 4,632 SH   SOLE   4,455 52 125
HOME DEPOT INC COM 437076102   150,432 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   487,938 2,285 SH   SOLE   2,200 85 0
HONEYWELL INTL INC COM 438516106   293,617 1,375 SH   OTR   874 0 501
HOST HOTELS & RESORTS INC COM 44107P104   201,376 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   523,918 2,211 SH   SOLE   2,211 0 0
ILLINOIS TOOL WKS INC COM 452308109   36,728 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   186,377 6,018 SH   SOLE   6,018 0 0
INTEL CORP COM 458140100   250,857 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   212,728 1,230 SH   SOLE   1,230 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   17,986 104 SH   OTR   104 0 0
INVESCO SR INCOME TR COM 46131H107   165,965 38,507 SH   SOLE   38,507 0 0
INVESCO SR INCOME TR COM 46131H107   199,919 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   234,234 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   259,538 5,908 SH   SOLE   1,083 0 4,825
ISHARES GOLD TR ISHARES NEW 464285204   1,360,468 30,969 SH   OTR   0 0 30,969
ISHARES TR CORE S&P500 ETF 464287200   754,082 1,378 SH   SOLE   1,378 0 0
ISHARES TR CORE S&P500 ETF 464287200   856,414 1,565 SH   OTR   0 1,400 165
ISHARES TR CORE US AGGBD ET 464287226   44,943 463 SH   SOLE   463 0 0
ISHARES TR CORE US AGGBD ET 464287226   192,198 1,980 SH   OTR   0 85 1,895
ISHARES TR S&P 500 GRWT ETF 464287309   312,507 3,377 SH   SOLE   3,377 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   97,722 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   393,505 2,162 SH   SOLE   2,162 0 0
ISHARES TR S&P 500 VAL ETF 464287408   87,728 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,468,609 18,749 SH   SOLE   18,598 0 151
ISHARES TR MSCI EAFE ETF 464287465   523,322 6,681 SH   OTR   4,571 150 1,960
ISHARES TR CORE S&P MCP ETF 464287507   223,780 3,824 SH   SOLE   3,824 0 0
ISHARES TR CORE S&P MCP ETF 464287507   78,709 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   252,028 960 SH   SOLE   960 0 0
ISHARES TR CORE S&P US VLU 464287663   254,255 2,885 SH   SOLE   0 0 2,885
ISHARES TR CORE S&P US GWT 464287671   217,480 1,706 SH   SOLE   0 0 1,706
ISHARES TR CORE S&P SCP ETF 464287804   900,423 8,442 SH   SOLE   8,442 0 0
ISHARES TR CORE S&P SCP ETF 464287804   120,525 1,130 SH   OTR   760 275 95
ISHARES TR NATIONAL MUN ETF 464288414   288,324 2,706 SH   SOLE   196 0 2,510
ISHARES TR NATIONAL MUN ETF 464288414   56,791 533 SH   OTR   172 0 361
JPMORGAN CHASE & CO. COM 46625H100   3,589,103 17,745 SH   SOLE   17,426 319 0
JPMORGAN CHASE & CO. COM 46625H100   791,241 3,912 SH   OTR   3,174 678 60
JACOBS SOLUTIONS INC COM 46982L108   1,804,773 12,918 SH   SOLE   12,918 0 0
JACOBS SOLUTIONS INC COM 46982L108   227,168 1,626 SH   OTR   1,423 203 0
JOHNSON & JOHNSON COM 478160104   1,101,461 7,536 SH   SOLE   7,257 279 0
JOHNSON & JOHNSON COM 478160104   217,778 1,490 SH   OTR   1,490 0 0
KLA CORP COM NEW 482480100   361,959 439 SH   SOLE   439 0 0
KLA CORP COM NEW 482480100   24,735 30 SH   OTR   0 0 30
KROGER CO COM 501044101   395,295 7,917 SH   SOLE   7,917 0 0
ELI LILLY & CO COM 532457108   8,703,417 9,613 SH   SOLE   9,580 33 0
ELI LILLY & CO COM 532457108   1,818,908 2,009 SH   OTR   1,920 89 0
LOCKHEED MARTIN CORP COM 539830109   1,611,495 3,450 SH   SOLE   3,450 0 0
LOCKHEED MARTIN CORP COM 539830109   352,660 755 SH   OTR   405 350 0
LOWES COS INC COM 548661107   738,981 3,352 SH   SOLE   3,352 0 0
LOWES COS INC COM 548661107   440,920 2,000 SH   OTR   650 0 1,350
LULULEMON ATHLETICA INC COM 550021109   1,048,437 3,510 SH   SOLE   3,510 0 0
LULULEMON ATHLETICA INC COM 550021109   177,427 594 SH   OTR   384 57 153
MARRIOTT INTL INC NEW CL A 571903202   1,557,482 6,442 SH   SOLE   6,442 0 0
MARRIOTT INTL INC NEW CL A 571903202   107,104 443 SH   OTR   320 123 0
MASTERCARD INCORPORATED CL A 57636Q104   3,788,240 8,587 SH   SOLE   8,559 28 0
MASTERCARD INCORPORATED CL A 57636Q104   423,954 961 SH   OTR   883 78 0
MCDONALDS CORP COM 580135101   1,016,301 3,988 SH   SOLE   3,693 198 97
MCDONALDS CORP COM 580135101   50,968 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   2,308,710 3,953 SH   SOLE   3,953 0 0
MCKESSON CORP COM 58155Q103   234,784 402 SH   OTR   314 88 0
MERCK & CO INC COM 58933Y105   4,110,779 33,205 SH   SOLE   32,191 764 250
MERCK & CO INC COM 58933Y105   1,365,018 11,026 SH   OTR   10,618 213 195
MICROSOFT CORP COM 594918104   9,124,037 20,414 SH   SOLE   20,076 338 0
MICROSOFT CORP COM 594918104   3,923,774 8,779 SH   OTR   7,961 418 400
MICROCHIP TECHNOLOGY INC. COM 595017104   94,336 1,031 SH   SOLE   1,031 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   139,080 1,520 SH   OTR   1,520 0 0
NETFLIX INC COM 64110L106   1,832,974 2,716 SH   SOLE   2,695 21 0
NETFLIX INC COM 64110L106   146,448 217 SH   OTR   144 73 0
NEXTERA ENERGY INC COM 65339F101   686,078 9,689 SH   SOLE   8,867 822 0
NEXTERA ENERGY INC COM 65339F101   86,388 1,220 SH   OTR   420 800 0
NIKE INC CL B 654106103   264,774 3,513 SH   SOLE   3,513 0 0
NIKE INC CL B 654106103   123,606 1,640 SH   OTR   1,640 0 0
NOVO-NORDISK A S ADR 670100205   2,885,917 20,218 SH   SOLE   20,218 0 0
NOVO-NORDISK A S ADR 670100205   247,225 1,732 SH   OTR   1,370 362 0
NUCOR CORP COM 670346105   1,040,482 6,582 SH   SOLE   6,582 0 0
NUCOR CORP COM 670346105   359,473 2,274 SH   OTR   2,274 0 0
NVIDIA CORPORATION COM 67066G104   7,931,268 64,200 SH   SOLE   63,670 530 0
NVIDIA CORPORATION COM 67066G104   960,647 7,776 SH   OTR   3,966 3,810 0
WS CREDIT INCOME FUND INSTL CL 68249P102   158,242 8,237 SH   SOLE   0 0 8,237
WS CREDIT INCOME FUND INSTL CL 68249P102   154,546 8,045 SH   OTR   0 0 8,045
ORACLE CORP COM 68389X105   292,707 2,073 SH   SOLE   2,073 0 0
PAYCHEX INC COM 704326107   255,615 2,156 SH   SOLE   2,156 0 0
PEPSICO INC COM 713448108   1,796,747 10,894 SH   SOLE   10,399 345 150
PEPSICO INC COM 713448108   1,678,657 10,178 SH   OTR   9,078 1,030 70
PFIZER INC COM 717081103   374,512 13,385 SH   SOLE   12,544 493 348
PFIZER INC COM 717081103   380,555 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   872,571 6,181 SH   SOLE   6,181 0 0
PHILLIPS 66 COM 718546104   239,989 1,700 SH   OTR   1,700 0 0
PROCTER AND GAMBLE CO COM 742718109   1,369,165 8,302 SH   SOLE   7,793 255 254
PROCTER AND GAMBLE CO COM 742718109   1,757,222 10,655 SH   OTR   10,355 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   938,201 12,730 SH   SOLE   12,730 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   231,418 3,140 SH   OTR   1,690 1,450 0
PUBLIC STORAGE OPER CO COM 74460D109   116,498 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   260,323 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   458,313 2,301 SH   SOLE   2,238 63 0
QUANTA SVCS INC COM 74762E102   2,332,800 9,181 SH   SOLE   9,181 0 0
QUANTA SVCS INC COM 74762E102   191,837 755 SH   OTR   612 143 0
SHELL PLC SPON ADS 780259305   1,041,268 14,426 SH   SOLE   14,426 0 0
SHELL PLC SPON ADS 780259305   49,082 680 SH   OTR   680 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,007,627 3,689 SH   SOLE   3,689 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   870,752 1,600 SH   OTR   0 1,600 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   256,684 9,430 SH   SOLE   8,951 0 479
SPDR SER TR S&P DIVID ETF 78464A763   267,968 2,107 SH   SOLE   2,107 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,271,800 10,000 SH   OTR   0 10,000 0
SPDR SER TR S&P BIOTECH 78464A870   70,459 760 SH   SOLE   0 0 760
SPDR SER TR S&P BIOTECH 78464A870   315,584 3,404 SH   OTR   0 0 3,404
SALESFORCE INC COM 79466L302   968,238 3,766 SH   SOLE   3,730 36 0
SALESFORCE INC COM 79466L302   242,959 945 SH   OTR   945 0 0
SOUTHERN CO COM 842587107   1,464,211 18,876 SH   SOLE   18,876 0 0
SOUTHERN CO COM 842587107   865,758 11,161 SH   OTR   10,461 700 0
STARBUCKS CORP COM 855244109   336,156 4,318 SH   SOLE   4,295 23 0
STARWOOD PPTY TR INC COM 85571B105   115,534 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   428,044 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,333,019 21,190 SH   SOLE   20,662 528 0
TJX COS INC NEW COM 872540109   307,179 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   2,391,114 13,572 SH   SOLE   13,515 57 0
T-MOBILE US INC COM 872590104   216,877 1,231 SH   OTR   1,015 216 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,983,622 17,166 SH   SOLE   17,166 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   321,200 1,848 SH   OTR   1,416 432 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,597,617 2,889 SH   SOLE   2,874 15 0
TOLL BROTRS INC COM 889478103   1,427,195 12,391 SH   SOLE   12,391 0 0
TOLL BROTRS INC COM 889478103   178,874 1,553 SH   OTR   1,339 214 0
TRUIST FINL CORP COM 89832Q109   676,844 17,422 SH   SOLE   17,422 0 0
TRUIST FINL CORP COM 89832Q109   455,710 11,730 SH   OTR   6,550 0 5,180
UNION PAC CORP COM 907818108   2,328,441 10,291 SH   SOLE   10,277 14 0
UNION PAC CORP COM 907818108   204,991 906 SH   OTR   601 305 0
UNITED PARCEL SERVICE INC CL B 911312106   494,439 3,613 SH   SOLE   3,613 0 0
UNITED PARCEL SERVICE INC CL B 911312106   41,055 300 SH   OTR   300 0 0
UNITEDHEALTH GROUP INC COM 91324P102   404,861 795 SH   SOLE   789 6 0
UNITEDHEALTH GROUP INC COM 91324P102   20,370 40 SH   OTR   40 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   278,185 3,861 SH   OTR   0 0 3,861
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   100,075 2,025 SH   SOLE   0 0 2,025
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   196,246 3,971 SH   OTR   0 0 3,971
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   238,386 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   318,958 3,808 SH   SOLE   2,786 0 1,022
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   700,652 8,365 SH   OTR   0 723 7,642
VANGUARD INDEX FDS LARGE CAP ETF 922908637   246,624 988 SH   SOLE   603 0 385
VANGUARD INDEX FDS LARGE CAP ETF 922908637   536,433 2,149 SH   OTR   135 0 2,014
VERIZON COMMUNICATIONS INC COM 92343V104   785,333 19,043 SH   SOLE   18,579 464 0
VERIZON COMMUNICATIONS INC COM 92343V104   593,732 14,397 SH   OTR   14,397 0 0
VISA INC COM CL A 92826C839   129,660 494 SH   SOLE   494 0 0
VISA INC COM CL A 92826C839   125,723 479 SH   OTR   0 0 479
WALMART INC COM 931142103   1,359,887 20,084 SH   SOLE   19,907 177 0
WALMART INC COM 931142103   156,748 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   582,418 2,730 SH   SOLE   2,712 18 0
WASTE MGMT INC DEL COM 94106L109   302,942 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   508,998 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   344,466 1,987 SH   SOLE   1,987 0 0
ZOETIS INC CL A 98978V103   26,350 152 SH   OTR   152 0 0