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First National Bank
P.O. Box 540
623 Elm St.
Graham, TX 76450
T: (940) 549-2040
F: (940) 549-4574
Email the Bank
Lobby Hours
M-F: 9 a.m. to 5 p.m.
Motor Bank Hours
M-F: 9 a.m. to 6 p.m.
Bryson Branch
300 Dempsey
Bryson, Texas 76427
T: (940) 392-2511
F: (940) 392-2234
Lobby Hours
M-F: 9 a.m. to 3 p.m.
F: 4 p.m. to 6 p.m.
First Call
(855) 482-6897


Trust Services

First National Bank in Graham's Trust Department was established in 1989. It is a full service Trust Department offering trust administration, estate settlement, escrow services, retirement plan administration, cash management services, and financial planning consultations.

What is a Trust?

A trust is a legal arrangement in which a person (grantor) places property with another person (trustee) to be managed for the benefit of one or more individuals (beneficiaries). A trust is created via a trust document which may describe how the assets are to be managed and how or when distributions are to be made.

Why do people establish a Trust?

Trusts are often thought of as an estate tax saving tool for only the very wealthy. Nothing could be farther from the truth. Trusts have many uses. Trusts are established as a matter of convenience for financial record keeping or for assistance in making investment decisions. Trusts can help to ensure that separate property retains its separate character. Trusts may be used to protect assets from a beneficiary that does not handle money well, or to shift income from a person with high income to lower income dependents, thus reducing income taxes. Trusts can provide asset protection and continuity of management in the event of incapacity. Trusts can also be used to avoid the costs and delays of probate. And yes, trusts can reduce or possibly even eliminate the federal estate tax burden.

The selection of an executor or trustee is a very important decision that will affect how your assets are managed for many years to come. When making your choice, consider the advantages that a corporate trustee such as First National Bank in Graham can offer:

  • Unlimited life
  • Trust administration is our full-time job
  • Specialized accounting systems
  • Investment expertise and low cost investment channels
  • Impartiality with respect to beneficiaries - preserves family harmony
  • Subject to annual audits and regulatory oversight
  • Substantial financial resources

Some of the products offered by the FNB Graham Trust Department include:

  • Revocable Living Trust
  • Credit Shelter Trust
  • QTIP Trust
  • Irrevocable Life Insurance Trust (ILIT)
  • Charitable Trust
  • Estate Settlement Services
  • Escrow Services
  • Cash Management or "Sweep" Accounts
  • Self-Directed IRA's
  • Employee Benefit Accounts
  • L.A. Long Student Loans
  • Financial Planning

For additional information and fees, please contact the Trust Department at FNB Graham.

Trust Services Login

Please click the link below to login to our online Trust Services system.
Trust Services Login
Certain Trust investments/products are not insured by the FDIC, are not a deposit, and may lose value

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