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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: 09-30-2024
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 11-14-2024
[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: 270
Form 13F Information Table Value Total: 242,063,980
(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   1,300,452 3,679 SH   SOLE   3,679 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   193,707 548 SH   OTR   469 79 0
MEDTRONIC PLC SHS G5960L103   582,584 6,471 SH   SOLE   6,471 0 0
MEDTRONIC PLC SHS G5960L103   794,514 8,825 SH   OTR   8,620 0 205
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103   321,470 2,935 SH   SOLE   2,935 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   2,266,295 5,830 SH   SOLE   5,830 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   225,463 580 SH   OTR   446 134 0
NXP SEMICONDUCTORS N V COM N6596X109   1,917,679 7,990 SH   SOLE   7,990 0 0
NXP SEMICONDUCTORS N V COM N6596X109   269,051 1,121 SH   OTR   907 134 80
AFLAC INC COM 001055102   2,571,400 23,000 SH   OTR   23,000 0 0
AT&T INC COM 00206R102   414,216 18,828 SH   SOLE   18,138 690 0
AT&T INC COM 00206R102   17,908 814 SH   OTR   814 0 0
ABBOTT LABS COM 002824100   814,031 7,140 SH   SOLE   6,790 350 0
ABBOTT LABS COM 002824100   1,158,341 10,160 SH   OTR   10,160 0 0
ABBVIE INC COM 00287Y109   3,101,620 15,706 SH   SOLE   15,606 100 0
ABBVIE INC COM 00287Y109   2,499,109 12,655 SH   OTR   12,655 0 0
ADOBE INC COM 00724F101   256,301 495 SH   SOLE   495 0 0
ADOBE INC COM 00724F101   77,667 150 SH   OTR   0 0 150
ALLSTATE CORP COM 020002101   215,632 1,137 SH   SOLE   1,137 0 0
ALLSTATE CORP COM 020002101   962,853 5,077 SH   OTR   5,077 0 0
ALPHABET INC CAP STK CL C 02079K107   452,081 2,704 SH   SOLE   2,704 0 0
ALPHABET INC CAP STK CL A 02079K305   2,578,304 15,546 SH   SOLE   15,395 151 0
ALPHABET INC CAP STK CL A 02079K305   530,720 3,200 SH   OTR   3,200 0 0
ALTRIA GROUP INC COM 02209S103   278,116 5,449 SH   SOLE   4,729 720 0
ALTRIA GROUP INC COM 02209S103   102,080 2,000 SH   OTR   0 0 2,000
AMAZON COM INC COM 023135106   736,562 3,953 SH   SOLE   3,812 141 0
AMAZON COM INC COM 023135106   55,899 300 SH   OTR   0 300 0
AMERICAN ELEC PWR CO INC COM 025537101   368,128 3,588 SH   SOLE   3,588 0 0
AMERICAN ELEC PWR CO INC COM 025537101   238,032 2,320 SH   OTR   1,350 970 0
AMERICAN EXPRESS CO COM 025816109   1,687,406 6,222 SH   SOLE   6,222 0 0
AMERICAN EXPRESS CO COM 025816109   119,328 440 SH   OTR   285 155 0
AMERIPRISE FINL INC COM 03076C106   1,767,425 3,762 SH   SOLE   3,762 0 0
AMERIPRISE FINL INC COM 03076C106   133,426 284 SH   OTR   173 111 0
AMGEN INC COM 031162100   3,399,959 10,552 SH   SOLE   10,502 50 0
AMGEN INC COM 031162100   418,228 1,298 SH   OTR   1,112 111 75
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   79,084 1,513 SH   SOLE   0 0 1,513
AMPLIFY ETF TR AMPLIFY DGTL PAY 032108656   215,875 4,130 SH   OTR   0 0 4,130
APPLE INC COM 037833100   12,581,068 53,996 SH   SOLE   53,388 608 0
APPLE INC COM 037833100   1,920,852 8,244 SH   OTR   6,722 516 1,006
APPLIED MATLS INC COM 038222105   4,430,754 21,929 SH   SOLE   21,929 0 0
APPLIED MATLS INC COM 038222105   624,334 3,090 SH   OTR   3,090 0 0
ARES CAPITAL CORP COM 04010L103   254,693 12,163 SH   SOLE   12,163 0 0
ARES CAPITAL CORP COM 04010L103   607,260 29,000 SH   OTR   0 0 29,000
ARISTA NETWORKS INC COM 040413106   3,110,477 8,104 SH   SOLE   8,104 0 0
ARISTA NETWORKS INC COM 040413106   224,918 586 SH   OTR   361 225 0
AUTOMATIC DATA PROCESSING IN COM 053015103   116,226 420 SH   SOLE   420 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   1,934,342 6,990 SH   OTR   6,990 0 0
AVALONBAY CMNTYS INC COM 053484101   1,553,774 6,898 SH   SOLE   6,898 0 0
AVALONBAY CMNTYS INC COM 053484101   191,237 849 SH   OTR   744 105 0
BANK AMERICA CORP COM 060505104   2,115,539 53,315 SH   SOLE   52,532 0 783
BANK AMERICA CORP COM 060505104   597,977 15,070 SH   OTR   10,071 508 4,491
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   101,717 221 SH   SOLE   221 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   171,676 373 SH   OTR   103 0 270
BLACKROCK INC COM 09247X101   1,333,112 1,404 SH   SOLE   1,401 3 0
BLACKROCK INC COM 09247X101   103,496 109 SH   OTR   39 60 10
BLACKSTONE INC COM 09260D107   1,813,977 11,846 SH   SOLE   11,846 0 0
BLACKSTONE INC COM 09260D107   128,935 842 SH   OTR   514 328 0
BONDBLOXX ETF TRUST BLOOMBERG SIX MN 09789C788   328,162 6,506 SH   SOLE   6,506 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   869,463 5,342 SH   SOLE   5,342 0 0
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   222,492 1,367 SH   OTR   297 1,070 0
BRISTOL-MYERS SQUIBB CO COM 110122108   407,349 7,873 SH   SOLE   7,373 500 0
BRISTOL-MYERS SQUIBB CO COM 110122108   87,958 1,700 SH   OTR   400 1,300 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103   860,120 4,000 SH   OTR   4,000 0 0
BROADCOM INC COM 11135F101   1,211,467 7,023 SH   SOLE   7,023 0 0
BROADCOM INC COM 11135F101   210,450 1,220 SH   OTR   0 1,050 170
CAPITAL ONE FINL CORP COM 14040H105   752,243 5,024 SH   SOLE   5,024 0 0
CAPITAL ONE FINL CORP COM 14040H105   18,716 125 SH   OTR   125 0 0
CHEVRON CORP NEW COM 166764100   1,593,903 10,823 SH   SOLE   10,646 177 0
CHEVRON CORP NEW COM 166764100   283,200 1,923 SH   OTR   1,923 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   2,885,379 50,076 SH   SOLE   49,826 250 0
CHIPOTLE MEXICAN GRILL INC COM 169656105   305,386 5,300 SH   OTR   4,250 1,050 0
CISCO SYS INC COM 17275R102   1,485,795 27,918 SH   SOLE   27,718 200 0
CISCO SYS INC COM 17275R102   200,160 3,761 SH   OTR   3,761 0 0
COCA COLA CO COM 191216100   524,793 7,303 SH   SOLE   7,271 32 0
COCA COLA CO COM 191216100   590,617 8,219 SH   OTR   7,856 363 0
COLGATE PALMOLIVE CO COM 194162103   220,388 2,123 SH   SOLE   1,783 340 0
COMCAST CORP NEW CL A 20030N101   225,683 5,403 SH   SOLE   5,343 60 0
COMCAST CORP NEW CL A 20030N101   177,898 4,259 SH   OTR   400 1,000 2,859
CONOCOPHILLIPS COM 20825C104   484,393 4,601 SH   SOLE   4,417 184 0
CONOCOPHILLIPS COM 20825C104   184,240 1,750 SH   OTR   1,750 0 0
CONSOLIDATED EDISON INC COM 209115104   177,541 1,705 SH   SOLE   1,705 0 0
CONSOLIDATED EDISON INC COM 209115104   62,478 600 SH   OTR   0 600 0
COSTCO WHSL CORP NEW COM 22160K105   2,820,020 3,181 SH   SOLE   3,163 18 0
COSTCO WHSL CORP NEW COM 22160K105   284,572 321 SH   OTR   270 51 0
CROWN CASTLE INC COM 22822V101   87,311 736 SH   SOLE   710 26 0
CROWN CASTLE INC COM 22822V101   293,609 2,475 SH   OTR   0 0 2,475
DEERE & CO COM 244199105   408,148 978 SH   SOLE   978 0 0
DICKS SPORTING GOODS INC COM 253393102   1,366,985 6,550 SH   SOLE   6,550 0 0
DICKS SPORTING GOODS INC COM 253393102   148,803 713 SH   OTR   613 100 0
DIGITAL RLTY TR INC COM 253868103   280,936 1,736 SH   SOLE   1,736 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   840,191 7,287 SH   SOLE   7,287 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   608,322 5,276 SH   OTR   3,246 235 1,795
DUPONT DE NEMOURS INC COM 26614N102   1,885,122 21,155 SH   SOLE   21,155 0 0
DUPONT DE NEMOURS INC COM 26614N102   114,417 1,284 SH   OTR   881 403 0
EASTMAN CHEM CO COM 277432100   241,923 2,161 SH   SOLE   2,161 0 0
EASTMAN CHEM CO COM 277432100   151,132 1,350 SH   OTR   0 1,350 0
EMERSON ELEC CO COM 291011104   296,283 2,709 SH   SOLE   2,416 0 293
EMERSON ELEC CO COM 291011104   191,397 1,750 SH   OTR   0 1,690 60
ENTERGY CORP NEW COM 29364G103   442,867 3,365 SH   SOLE   3,365 0 0
ENTERGY CORP NEW COM 29364G103   78,966 600 SH   OTR   0 600 0
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   235,185 4,121 SH   SOLE   643 0 3,478
EXCHANGE TRADED CONCEPTS TRU ROBO GLB ETF 301505707   1,173,758 20,567 SH   OTR   14,315 0 6,252
EXXON MOBIL CORP COM 30231G102   1,910,686 16,300 SH   SOLE   15,923 162 215
EXXON MOBIL CORP COM 30231G102   543,900 4,640 SH   OTR   4,303 337 0
META PLATFORMS INC CL A 30303M102   2,332,693 4,075 SH   SOLE   4,039 36 0
META PLATFORMS INC CL A 30303M102   338,884 592 SH   OTR   165 85 342
FIDELITY NATL INFORMATION SV COM 31620M106   1,535,472 18,334 SH   SOLE   18,301 33 0
FIDELITY NATL INFORMATION SV COM 31620M106   99,327 1,186 SH   OTR   746 440 0
FORTINET INC COM 34959E109   3,262,683 42,072 SH   SOLE   42,072 0 0
FORTINET INC COM 34959E109   601,400 7,755 SH   OTR   7,690 65 0
GENUINE PARTS CO COM 372460105   334,533 2,395 SH   SOLE   2,380 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   162,891 329 SH   SOLE   314 15 0
GOLDMAN SACHS GROUP INC COM 38141G104   181,210 366 SH   OTR   0 0 366
HP INC COM 40434L105   249,583 6,958 SH   SOLE   6,958 0 0
HOME DEPOT INC COM 437076102   1,921,053 4,741 SH   SOLE   4,574 52 115
HOME DEPOT INC COM 437076102   177,072 437 SH   OTR   437 0 0
HONEYWELL INTL INC COM 438516106   450,214 2,178 SH   SOLE   2,103 75 0
HONEYWELL INTL INC COM 438516106   287,947 1,393 SH   OTR   874 0 519
HOST HOTELS & RESORTS INC COM 44107P104   197,120 11,200 SH   OTR   0 0 11,200
ILLINOIS TOOL WKS INC COM 452308109   611,409 2,333 SH   SOLE   2,333 0 0
ILLINOIS TOOL WKS INC COM 452308109   40,620 155 SH   OTR   0 155 0
INTEL CORP COM 458140100   54,708 2,332 SH   SOLE   2,332 0 0
INTEL CORP COM 458140100   190,026 8,100 SH   OTR   8,100 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   993,533 4,494 SH   SOLE   4,494 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   22,992 104 SH   OTR   104 0 0
INVESCO SR INCOME TR COM 46131H107   0 0 SH   SOLE   0 0 0
INVESCO SR INCOME TR COM 46131H107   188,786 46,385 SH   OTR   0 0 46,385
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   251,394 7,800 SH   OTR   0 0 7,800
ISHARES GOLD TR ISHARES NEW 464285204   293,627 5,908 SH   SOLE   1,083 0 4,825
ISHARES GOLD TR ISHARES NEW 464285204   1,533,841 30,862 SH   OTR   0 0 30,862
ISHARES TR CORE S&P500 ETF 464287200   1,193,440 2,069 SH   SOLE   2,069 0 0
ISHARES TR CORE S&P500 ETF 464287200   899,839 1,560 SH   OTR   0 1,400 160
ISHARES TR CORE US AGGBD ET 464287226   37,469 370 SH   SOLE   370 0 0
ISHARES TR CORE US AGGBD ET 464287226   208,109 2,055 SH   OTR   0 85 1,970
ISHARES TR S&P 500 GRWT ETF 464287309   332,348 3,471 SH   SOLE   3,471 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   101,112 1,056 SH   OTR   1,056 0 0
ISHARES TR S&P 500 VAL ETF 464287408   434,957 2,206 SH   SOLE   2,206 0 0
ISHARES TR S&P 500 VAL ETF 464287408   95,035 482 SH   OTR   482 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,563,379 18,694 SH   SOLE   18,544 0 150
ISHARES TR MSCI EAFE ETF 464287465   558,732 6,681 SH   OTR   4,571 150 1,960
ISHARES TR CORE S&P MCP ETF 464287507   265,919 4,267 SH   SOLE   4,267 0 0
ISHARES TR CORE S&P MCP ETF 464287507   83,820 1,345 SH   OTR   0 0 1,345
ISHARES TR RUS 2000 GRW ETF 464287648   275,480 970 SH   SOLE   970 0 0
ISHARES TR CORE S&P US VLU 464287663   275,488 2,885 SH   SOLE   0 0 2,885
ISHARES TR CORE S&P US GWT 464287671   225,038 1,706 SH   SOLE   0 0 1,706
ISHARES TR CORE S&P SCP ETF 464287804   1,010,417 8,639 SH   SOLE   8,639 0 0
ISHARES TR CORE S&P SCP ETF 464287804   132,164 1,130 SH   OTR   760 275 95
ISHARES TR NATIONAL MUN ETF 464288414   293,952 2,706 SH   SOLE   196 0 2,510
ISHARES TR NATIONAL MUN ETF 464288414   57,899 533 SH   OTR   172 0 361
ISHARES TR US TREAS BD ETF 46429B267   389,715 16,619 SH   SOLE   16,038 0 581
ISHARES TR CORE MSCI EAFE 46432F842   266,072 3,409 SH   SOLE   3,409 0 0
JPMORGAN CHASE & CO. COM 46625H100   3,673,813 17,423 SH   SOLE   17,104 319 0
JPMORGAN CHASE & CO. COM 46625H100   824,884 3,912 SH   OTR   3,174 678 60
JACOBS SOLUTIONS INC COM 46982L108   1,666,357 12,730 SH   SOLE   12,730 0 0
JACOBS SOLUTIONS INC COM 46982L108   212,843 1,626 SH   OTR   1,423 203 0
JOHNSON & JOHNSON COM 478160104   1,219,015 7,522 SH   SOLE   7,262 260 0
JOHNSON & JOHNSON COM 478160104   241,469 1,490 SH   OTR   1,490 0 0
KLA CORP COM NEW 482480100   377,912 488 SH   SOLE   488 0 0
KLA CORP COM NEW 482480100   23,232 30 SH   OTR   0 0 30
KROGER CO COM 501044101   1,377,377 24,038 SH   SOLE   24,038 0 0
KROGER CO COM 501044101   98,613 1,721 SH   OTR   1,189 532 0
ELI LILLY & CO COM 532457108   8,229,496 9,289 SH   SOLE   9,249 40 0
ELI LILLY & CO COM 532457108   1,779,853 2,009 SH   OTR   1,920 89 0
LOCKHEED MARTIN CORP COM 539830109   2,053,559 3,513 SH   SOLE   3,513 0 0
LOCKHEED MARTIN CORP COM 539830109   441,342 755 SH   OTR   405 350 0
LOWES COS INC COM 548661107   898,138 3,316 SH   SOLE   3,316 0 0
LOWES COS INC COM 548661107   541,700 2,000 SH   OTR   650 0 1,350
LULULEMON ATHLETICA INC COM 550021109   923,404 3,403 SH   SOLE   3,403 0 0
LULULEMON ATHLETICA INC COM 550021109   167,694 618 SH   OTR   384 57 177
MARRIOTT INTL INC NEW CL A 571903202   1,607,696 6,467 SH   SOLE   6,467 0 0
MARRIOTT INTL INC NEW CL A 571903202   110,129 443 SH   OTR   320 123 0
MASTERCARD INCORPORATED CL A 57636Q104   4,209,151 8,524 SH   SOLE   8,496 28 0
MASTERCARD INCORPORATED CL A 57636Q104   474,541 961 SH   OTR   883 78 0
MCDONALDS CORP COM 580135101   1,231,133 4,043 SH   SOLE   3,748 198 97
MCDONALDS CORP COM 580135101   60,902 200 SH   OTR   200 0 0
MCKESSON CORP COM 58155Q103   1,954,442 3,953 SH   SOLE   3,953 0 0
MCKESSON CORP COM 58155Q103   198,756 402 SH   OTR   314 88 0
MERCK & CO INC COM 58933Y105   3,758,949 33,101 SH   SOLE   32,118 733 250
MERCK & CO INC COM 58933Y105   1,252,112 11,026 SH   OTR   10,618 213 195
MICROSOFT CORP COM 594918104   8,287,578 19,260 SH   SOLE   18,912 348 0
MICROSOFT CORP COM 594918104   3,725,967 8,659 SH   OTR   7,961 418 280
MICROCHIP TECHNOLOGY INC. COM 595017104   82,778 1,031 SH   SOLE   1,031 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   122,040 1,520 SH   OTR   1,520 0 0
NETFLIX INC COM 64110L106   1,924,249 2,713 SH   SOLE   2,692 21 0
NETFLIX INC COM 64110L106   153,911 217 SH   OTR   144 73 0
NEXTERA ENERGY INC COM 65339F101   928,900 10,989 SH   SOLE   10,167 822 0
NEXTERA ENERGY INC COM 65339F101   103,126 1,220 SH   OTR   420 800 0
NIKE INC CL B 654106103   129,064 1,460 SH   SOLE   1,460 0 0
NIKE INC CL B 654106103   144,976 1,640 SH   OTR   1,640 0 0
NOVO-NORDISK A S ADR 670100205   2,404,856 20,197 SH   SOLE   20,197 0 0
NOVO-NORDISK A S ADR 670100205   206,229 1,732 SH   OTR   1,370 362 0
NUCOR CORP COM 670346105   989,537 6,582 SH   SOLE   6,582 0 0
NUCOR CORP COM 670346105   341,873 2,274 SH   OTR   2,274 0 0
NVIDIA CORPORATION COM 67066G104   6,848,851 56,397 SH   SOLE   55,867 530 0
NVIDIA CORPORATION COM 67066G104   902,177 7,429 SH   OTR   3,745 3,684 0
1WS CREDIT INCOME FUND INSTL CL 68249P102   160,618 8,335 SH   SOLE   0 0 8,335
1WS CREDIT INCOME FUND INSTL CL 68249P102   155,029 8,045 SH   OTR   0 0 8,045
ORACLE CORP COM 68389X105   431,793 2,534 SH   SOLE   2,534 0 0
PAYCHEX INC COM 704326107   311,320 2,320 SH   SOLE   2,320 0 0
PEPSICO INC COM 713448108   1,855,755 10,913 SH   SOLE   10,418 345 150
PEPSICO INC COM 713448108   1,730,768 10,178 SH   OTR   9,078 1,030 70
PFIZER INC COM 717081103   330,784 11,430 SH   SOLE   10,589 493 348
PFIZER INC COM 717081103   393,612 13,601 SH   OTR   13,601 0 0
PHILLIPS 66 COM 718546104   872,039 6,634 SH   SOLE   6,634 0 0
PHILLIPS 66 COM 718546104   223,465 1,700 SH   OTR   1,700 0 0
PROCTER AND GAMBLE CO COM 742718109   2,495,465 14,408 SH   SOLE   13,734 420 254
PROCTER AND GAMBLE CO COM 742718109   1,845,446 10,655 SH   OTR   10,355 300 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   1,116,463 12,515 SH   SOLE   12,515 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   280,119 3,140 SH   OTR   1,690 1,450 0
PUBLIC STORAGE OPER CO COM 74460D109   147,367 405 SH   SOLE   405 0 0
PUBLIC STORAGE OPER CO COM 74460D109   329,302 905 SH   OTR   0 0 905
QUALCOMM INC COM 747525103   408,120 2,400 SH   SOLE   2,337 63 0
QUALCOMM INC COM 747525103   5,951 35 SH   OTR   0 0 35
QUANTA SVCS INC COM 74762E102   2,722,705 9,132 SH   SOLE   9,132 0 0
QUANTA SVCS INC COM 74762E102   225,103 755 SH   OTR   612 143 0
SHELL PLC SPON ADS 780259305   948,295 14,379 SH   SOLE   14,379 0 0
SHELL PLC SPON ADS 780259305   44,846 680 SH   OTR   680 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,102,830 3,665 SH   SOLE   3,665 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   918,016 1,600 SH   OTR   0 1,600 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   274,130 9,430 SH   SOLE   8,951 0 479
SPDR SER TR S&P DIVID ETF 78464A763   284,790 2,005 SH   SOLE   2,005 0 0
SPDR SER TR S&P DIVID ETF 78464A763   1,420,400 10,000 SH   OTR   0 10,000 0
SPDR SER TR S&P BIOTECH 78464A870   75,088 760 SH   SOLE   0 0 760
SPDR SER TR S&P BIOTECH 78464A870   341,452 3,456 SH   OTR   0 0 3,456
SALESFORCE INC COM 79466L302   991,103 3,621 SH   SOLE   3,585 36 0
SALESFORCE INC COM 79466L302   258,655 945 SH   OTR   945 0 0
SANOFI SPONSORED ADR 80105N105   207,698 3,604 SH   SOLE   3,604 0 0
SERVICENOW INC COM 81762P102   203,920 228 SH   SOLE   228 0 0
SOUTHERN CO COM 842587107   1,749,762 19,403 SH   SOLE   19,403 0 0
SOUTHERN CO COM 842587107   1,006,498 11,161 SH   OTR   10,461 700 0
STARBUCKS CORP COM 855244109   410,627 4,212 SH   SOLE   4,189 23 0
STARWOOD PPTY TR INC COM 85571B105   124,318 6,100 SH   SOLE   6,100 0 0
STARWOOD PPTY TR INC COM 85571B105   460,588 22,600 SH   OTR   0 0 22,600
TJX COS INC NEW COM 872540109   2,434,841 20,715 SH   SOLE   20,187 528 0
TJX COS INC NEW COM 872540109   327,936 2,790 SH   OTR   2,790 0 0
T-MOBILE US INC COM 872590104   2,829,401 13,711 SH   SOLE   13,654 57 0
T-MOBILE US INC COM 872590104   254,029 1,231 SH   OTR   1,015 216 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   2,932,070 16,883 SH   SOLE   16,883 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   320,942 1,848 SH   OTR   1,416 432 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,722,717 2,785 SH   SOLE   2,770 15 0
TOLL BROTRS INC COM 889478103   1,898,373 12,288 SH   SOLE   12,288 0 0
TOLL BROTRS INC COM 889478103   239,922 1,553 SH   OTR   1,339 214 0
TRUIST FINL CORP COM 89832Q109   768,277 17,963 SH   SOLE   17,963 0 0
TRUIST FINL CORP COM 89832Q109   501,692 11,730 SH   OTR   6,550 0 5,180
UNION PAC CORP COM 907818108   2,515,328 10,205 SH   SOLE   10,191 14 0
UNION PAC CORP COM 907818108   223,310 906 SH   OTR   601 305 0
UNITED PARCEL SERVICE INC CL B 911312106   500,913 3,674 SH   SOLE   3,674 0 0
UNITED PARCEL SERVICE INC CL B 911312106   40,902 300 SH   OTR   300 0 0
UNITED RENTALS INC COM 911363109   205,671 254 SH   SOLE   254 0 0
UNITEDHEALTH GROUP INC COM 91324P102   475,344 813 SH   SOLE   807 6 0
UNITEDHEALTH GROUP INC COM 91324P102   23,387 40 SH   OTR   40 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   325,902 4,339 SH   OTR   0 0 4,339
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   115,337 2,184 SH   SOLE   159 0 2,025
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   209,021 3,958 SH   OTR   0 0 3,958
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   257,682 2,010 SH   OTR   0 0 2,010
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   321,778 3,303 SH   SOLE   2,281 0 1,022
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   814,918 8,365 SH   OTR   0 723 7,642
VANGUARD INDEX FDS LARGE CAP ETF 922908637   256,444 974 SH   SOLE   589 0 385
VANGUARD INDEX FDS LARGE CAP ETF 922908637   560,544 2,129 SH   OTR   135 0 1,994
VERIZON COMMUNICATIONS INC COM 92343V104   842,691 18,764 SH   SOLE   18,300 464 0
VERIZON COMMUNICATIONS INC COM 92343V104   646,569 14,397 SH   OTR   14,397 0 0
VISA INC COM CL A 92826C839   170,469 620 SH   SOLE   620 0 0
VISA INC COM CL A 92826C839   139,124 506 SH   OTR   0 0 506
WALMART INC COM 931142103   1,607,409 19,906 SH   SOLE   19,729 177 0
WALMART INC COM 931142103   186,936 2,315 SH   OTR   900 1,200 215
WASTE MGMT INC DEL COM 94106L109   600,586 2,893 SH   SOLE   2,875 18 0
WASTE MGMT INC DEL COM 94106L109   294,792 1,420 SH   OTR   1,420 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281   531,361 9,895 SH   OTR   0 0 9,895
ZOETIS INC CL A 98978V103   343,282 1,757 SH   SOLE   1,757 0 0
ZOETIS INC CL A 98978V103   29,697 152 SH   OTR   152 0 0