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Trust & Estate Services

Wealth Management Services to Meet Your Personal Needs

CNB Bank & Trust, N.A. has been in the forefront of regional trust services since 1922. A service that once was used by a wealthy few, trust services have now become an important part of financial planning for all individuals and families. The protection and management of assets can ensure the security and comfort of your retirement years and the well-being of your family.

  • Darlene Ward


    Senior Vice President & Senior Trust Officer

    P: 618-433-5112
    C: 618-520-9091

  • Mary Fergurson


    Vice President & Trust Portfolio Manager

    P: 217-408-0281

  • Terry Daniels


    Assistant Vice President & Director of Investments

    P: 618-433-5115
    C: 618-610-6075

  • Matthew Slightom

    Farm Manager & Portfolio Manager

    P: 217-854-4215
    C: 217-710-8339

  • Victor Henson


    Trust Officer

    P: 217-854-4202
    C: 217-602-8778

Wealth Management Services

  • Trust Administration
  • Estate Administration & Guardianship
  • Investment Management
  • Farm Management

Trust Administration

A trust is a legal arrangement in which an individual (the grantor) gives fiduciary control of property to a person or institution (the trustee) for the benefit of beneficiaries. Trusts can provide protection of an individual’s assets during their lifetime or in the event of a disability, and can be structured to ensure the support and security of a decedent’s family, usually with significant tax savings. The Trust Department administers the assets according to the instructions in the written trust document.

Estate Administration & Guardianship

Estate Administration, or probate, is the process by which the estate (property) of a deceased person (decedent) is distributed to heirs at law in an intestate (without a will) death or to designated beneficiaries in a testate (with a will) death. The probate process is governed by the probate laws of the state in which the decedent maintained legal residence at the time of the death and/or by the probate laws of the state in which property was left at the time of death.

Certain individuals are not legally able to handle their own affairs because of age or incapacity. Upon a petition of an interested person, Courts may appoint an individual or financial institution as guardian or conservator to handle the affairs of a minor or an incapacitated individual. The Trust Department, as guardian of the estate, performs the following duties:

  • Safeguard assets
  • Inventory assets for review by the Court
  • Manage and invest assets
  • Pay ongoing debts and obligations
  • Prepare and file state and federal tax returns
  • Prepare and file annual and final financial accountings for review by the Court
  • Consult with personal care providers

Market Update & Outlook Newsletter

Stay informed and up-to-date about the market and timely investing topics with the Market Update & Outlook. The newsletter is courtesy of CNB's Wealth Management Group.

Farm Management Services Division

Our Farm Management Services Division provides service to absentee landowners and tenants alike. Acting as an agent, our Farm Managers can provide a landowner with expertise in marketing, land management, financial statements and analysis, feasibility studies, research, and rural appraisals. Tenants can be served through consultation, volume discounts, and the additional leasing of farmland.

View Our Farm Management page

For more information on our Trust Services, please contact a member of our Trust Department.

Trust and Wealth Management Services: not a deposit, not FDIC insured, not insured by any Federal Government agency, not guaranteed by the bank, may go down in value.

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