PERSONAL BANKING

Trust & Investments

Trust & Investment Solutions

We take pride in our high level of personalized service and our commitment in helping you reach your goals. Successful investing comes from disciplined investing.

The best way to learn how best to serve you is to simply talk to you. First, we start by sitting down and having a discussion about your objectives. After we provide your customized portfolio, we’ll consistently monitor it against your targets.

We use the following strategies during your portfolio construction to maximize the return while limiting the risks taken. Our approach to investing primarily uses index-based exchange traded funds supplemented with actively managed funds

Asset Allocation – a time-tested method of bringing and keeping your portfolio in balance with set criteria.

Diversification – the process of investing in multiple assets to reduce the risk taken by holding too much of one’s assets in too few assets.

Rebalancing – the process of selling or buying assets that either rise or decline over time in order to keep the portfolio at a predetermined target mix.

Sector Neutral – staying fully invested neutralizes timing risks that are taken by moving in and out of the markets. Missing just a few of the best days can significantly impact returns.

Partner With Us
We are unmatched in our integrity, service, and knowledge. Partnering with us means you’ll receive our commitment in helping you reach your financial goals.

To contact the Trust and Investment Services Department, call (309) 743-7856.

Products offered by Trust & Investment Services are not FDIC insured, not a deposit, not guaranteed by the bank or other obligation of the bank, not insured by any federal government agency, may go down in value, and subject to investment risks, including possible loss of principal amount invested.

more information iconEstates and Probate
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We know that peace of mind is the most important service we can provide. Trusting someone with your estate can be difficult. At TBK Bank, our goal is to make sure we alleviate your worries, while ensuring your estate will be managed and settled per your instruction.

As Executor, we work with your legal advisor to administer your estate. When creating your estate plan, you’ll make the selection of a fiduciary; whomever you appoint will be responsible for following your estate’s directions.

An effective fiduciary should have several qualities to help achieve the execution of your plans:

Knowledge of fiduciary and tax law – Your fiduciary should have the ability to properly interpret and follow the terms of your will or trust, be consistent with applicable laws and tax matters.

Objectivity – The fiduciary protects the interests of all beneficiaries and must not favor one over another. Showing independent discretion will ensure your plan is run smoothly.

Perpetuity of existence – In many cases, estate plans can take years or even decades to complete. You want a fiduciary to act as long as needed.

Experience – Skilled fiduciaries can see potential situations and issues before they arise. Proactive planning is better than reactively responding.

Availability – Your fiduciary should be convenient and timely and accurately perform tasks and duties as dictated by the governing instrument.

Flexibility – Having the capacity to adjust and tailor service to meet specific requirements or situations means you are secure in the knowledge your wishes will be taken care of.

Value – More than the execution of the estate, providing management of the relationship while maintaining quality service means you are getting the most for your fees paid.

Investment management expertise – Knowing how to keep assets properly diversified and allocated will allow the portfolio to provide income and growth for your beneficiaries.

Safekeeping – Estates are complex. The ability to gather and properly oversee different types of assets is important.

Accounting capabilities – Your fiduciary should possess the ability to both properly record, as well as reconcile transactions.

To contact the Trust and Investment Services Department, call (309) 743-7856.

Products offered by Trust & Investment Services are not FDIC insured, not a deposit, not guaranteed by the bank or other obligation of the bank, not insured by any federal government agency, may go down in value, and subject to investment risks, including possible loss of principal amount invested.

more information iconManaged Trusts
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With a variety of investment choices, a tailored investment plan is the key to a successful strategy. Fully optimize your earning potential and meet your investment goals with TBK Bank.

Our services include:

  • Investment management, review and supervision
  • Custody and safekeeping of all assets
  • Income collection
  • Distribution of income and principal as directed
  • Periodic customer accounting of transactions and assets
  • Preparation of tax summary for use in preparing tax returns
  • Payment of bills
  • Consulting with principals, grantors, or other beneficiaries

To contact the Trust and Investment Services Department, call (309) 743-7856.

Products offered by Trust & Investment Services are not FDIC insured, not a deposit, not guaranteed by the bank or other obligation of the bank, not insured by any federal government agency, may go down in value, and subject to investment risks, including possible loss of principal amount invested.

more information iconCustody & Escrow Services
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Our unique combination of size, experience, professionalism, reliability, and local connection allow us to safeguard and manage your accounts in an effective and unflinching manner.

TBK Bank can act as custodian of your assets as well as provide record keeping and management, including income and expenses. Our statements are supplied on a timely basis and we supply the necessary tax information as needed.

As escrow agent, we hold assets as an independent third party on behalf of others who are exchanging money due to services provided or sale of business.

To contact the Trust and Investment Services Department, call (309) 743-7856.

more information iconConservatorships & Guardianships
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When you are no longer able to manage your assets, we can gladly help protect your best interests. We work with the courts to ensure you and your assets are safeguarded.

Working with TBK Bank, you’ll receive:

  • Investment management, review, and supervision
  • Custody and safekeeping of all assets
  • Supervision of income collection
  • Distribution of income and principal as directed
  • Periodic customer account of transactions and assets
  • Development of tax summary for preparing tax returns.
  • Payment of bills
  • Consulting coordination with principals, grantor, and other beneficiaries

To contact the Trust and Investment Services Department, call (309) 743-7856.

Products offered by Trust & Investment Services are not FDIC insured, not a deposit, not guaranteed by the bank or other obligation of the bank, not insured by any federal government agency, may go down in value, and subject to investment risks, including possible loss of principal amount invested.

more information icon401k
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TBK Bank is proud to offer the most cost-effective, flexible, full service 401(k) plans to businesses. Our expertise and resources provide your employees with a tremendous benefit, while retaining the old-fashioned neighborhood service.

  • Plan design and document support
    • Prototype plan documents
    • Summary Plan Descriptions (SPD) > IRS filings 5500 & 5300
    • Plan restatement services
    • Document review
    • Plan design consulting
  • Installation and plan conversion services
    • Dedicated New Client Implementation team
    • Conversions with no market downtime
    • Customized enrollment kits
    • Set up of contribution submission calendar
    • Web census upload and payroll submission via the web
    • Comprehensive online plan administrator’s guide
  • Investments
    • Collective trust index funds
    • Actively-managed funds
    • Investment Select List
    • Self-directed brokerage accounts
    • Company stock (traded daily)
    • Bank CD fund
  • Account Management Services
    • Dedicated relationship manager
    • Dedicated Client Service team
  • Plan education and communication
    • Onsite enrollment kits
    • Customized enrollment kits
    • Tele-conferencing and web conferencing
  • Trust & Recordkeeping Services
    • Daily valuation
    • Client Services and Participant Services Representatives
    • Foreign language support
    • Investment guidance via MasteryPoint Guidance Plus®
  • Self-directed brokerage accounts through Charles Schwab
    • Online participant account statements
    • Monthly plan sponsor reports
    • Transaction processing (contributions, transfers, loans, distributions)
    • Qualified Domestic Relations Orders (QDROs)
    • Required minimum distribution notifications
    • Plan year-end summary reports
    • Trust statements
    • Summary annual reports
    • SASE 16 audit report
    • ADP/ACP testing
    • Top-heavy testing
    • 402(g) annual deferral limit testing
    • Forfeiture allocations
  • Website and voice response unit
    • With 24/7 account management and transaction capabilities
    • Interactive account management tools
    • Online loan and distribution requests
    • Online library with plan administrator’s guide
    • Daily fund performance

To contact the Trust and Investment Services Department, call (309) 743-7856.

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