Advantage Trust Company

What Advantage Trust Company does

Advantage Trust Company (ATC) is a Kansas State Chartered Trust Company founded in 1997 by Mark Miller and Julie Sager Miller and headquartered in Salina, Kansas, with a secondary office in Abilene. It operates as a wholly owned subsidiary of First Bank Kansas and is examined by both the FDIC and the Kansas State Bank Commissioner, providing institutional regulatory backing uncommon at its scale. The firm serves individual clients and families across central Kansas through four integrated service lines: Trust & Fiduciary Services (acting as trustee for revocable, irrevocable, special needs, and charitable trusts as well as estates and conservatorships); Investments & Wealth Management (managed and self-directed custodial accounts); Retirement Accounts & Planning (self-directed IRAs with rollover support and retirement planning); and Farm & Real Estate Management (lease negotiation, government farm program enrollment, marketing, inspections, and financial recordkeeping for agricultural and real property).

The underlying technology stack consists of a standard trust administration platform paired with a Client Portal for online statement enrollment, document retrieval, and account access, complemented by the TRUSTtrak mobile application available on iOS and Android (an InfoVisa-provided product). The technology is positioned primarily as a digital convenience layer for existing clients rather than a differentiator; the firm's stated value proposition rests on relationship-based service delivery through two physical locations in Salina and Abilene. Cross-entity operational ties with parent First Bank Kansas are visible in the leadership pipeline, with several officers and staff having previously worked at the parent bank.

Revenue is generated through recurring fee-for-service arrangements across all four service lines, with trust, investment management, custodial, and retirement account fees scaled to assets under management and service complexity (pricing is not publicly disclosed). Farm and real estate management operates on a professional-services billing model. ATC reports $1 billion in managed assets across 1,100 accounts supported by a 14-person team, an AUM density of approximately $71 million per professional that is consistent with high-touch fiduciary engagements. The firm maintains no disclosed external funding and is privately held, with founders transitioned to board roles and operational leadership held by a CEO/Chairman and President tenure dating to 1998 and 2005 respectively.

Name

Advantage Trust Company

Legal name

Advantage Trust Company

Website

https://advantagetrustco.com

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

1–10 employees

Short description

Advantage Trust Company is a Kansas State Chartered Trust Company and First Bank Kansas subsidiary that provides trust administration, investment management, retirement planning, and farm/real estate management services to individual and family clients across central Kansas, managing $1 billion in assets across 1,100 accounts via two offices in Salina and Abilene.

Ownership category

akta.pro rank

Product category

Trust & Fiduciary Services

NAICS

Trust, Fiduciary, and Custody Activities (523991), Trusts, Estates, and Agency Accounts (52592)

SIC

Real Estate Agents & Managers (For Others) (6531), Real Estate Investment Trusts (6798)

akta.pro primary industry

Personal & Family Trust Services (FSAAANAA)

akta.pro secondary industries

Trust & Fiduciary Advisory for HNW/UHNW (Trust Structuring & Trustee Oversight) (FSAAABAF), Special Needs & Supplemental Needs Trust Services (FSAAANAJ), Trust & Estate Tax Planning & Compliance (FSAEAKAE)

Keywords

• Trust administration services
• Fiduciary wealth management
• Investment management services
• Retirement account administration
• Estate planning services

Headquarters

HQ city

Salina

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Trust & Fiduciary Services Fees: Fees for acting as trustee for revocable trusts, irrevocable trusts, special needs trusts, charitable trusts, estates, and conservatorships
2. Investment Management Fees: Fees for managed account services where ATC acts as agent providing investment advice and handling security transactions, asset safekeeping, and financial records
3. Custodial Services: Fees for self-directed account custody services including asset safekeeping and financial record-keeping
4. Retirement Account Services: Fees for IRA administration including self-directed IRAs, rollovers, and retirement planning services
5. Farm & Real Estate Management: Professional management services for farmland and real estate including lease negotiations, government farm program enrollment, commodity marketing strategies, inspections, and financial record keeping

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels1 record

Core offering

Advantage Trust Company acts as a trustee and fiduciary for individuals and families, administering revocable trusts, irrevocable trusts, special needs trusts, charitable trusts, estates, and conservatorships. It also provides managed and self-directed investment accounts, self-directed IRA administration and retirement planning, and professional farm and real estate management (including lease negotiations, government farm program enrollment, commodity marketing, and inspections). Services are delivered through a relationship-based model at two Kansas offices with online portal and mobile app access for existing clients.

Product overview

Advantage Trust Company is a Kansas-based trust and financial services firm offering a unified suite of services through four core product lines: Trust & Fiduciary Services (acting as trustee for revocable trusts, irrevocable trusts, special needs trusts, charitable trusts, estates, and conservatorships), Investments & Wealth Management (managed and self-directed accounts), Retirement Accounts & Planning (self-directed IRAs and retirement planning), and Farm & Real Estate Management. The firm complements these services with digital access via a Client Portal and TRUSTtrak mobile application for account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Trust & Fiduciary Services Comprehensive fiduciary services acting as trustee for revocable trusts, irrevocable trusts, special needs trusts, charitable trusts, estates, and conservatorships. Manages assets according to client instructions for individuals and families.
• Investments & Wealth Management Investment management services offering managed accounts with full-service investment advice and portfolio management, plus self-directed accounts where the firm acts as custodian only. Includes asset safekeeping, security transactions, and financial record-keeping.
• Retirement Accounts & Planning Retirement services including self-directed IRAs with rollover and transfer assistance, plus retirement planning services tailored to individual client goals and circumstances.
• Farm & Real Estate Management Professional management services for farmland and real estate assets, including lease negotiations, government farm program enrollment, marketing strategies, property inspections, and financial record keeping for agricultural property owners.
• Client Portal Online client portal providing account access, document retrieval, statement enrollment, and password management for clients with investment, custodial, and retirement accounts.
• TRUSTtrak Mobile Application Mobile application available on iOS and Android for viewing client accounts, requiring desktop registration and a mobile registration key for secure access.

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Commerce Trust Company: Commerce Trust Company is the trust and wealth management subsidiary of Commerce Bancshares, offering trust administration, investment management, and retirement services through bank-affiliated channels in the Midwest — directly analogous to ATC's model inside First Bank Kansas.
• Argent Trust Company: Argent Trust Company operates as a chartered trust and fiduciary services firm serving individuals, families, and institutions across the South and Midwest, with comparable trust administration, investment management, and estate services offerings.
• Country Trust Bank: Country Trust Bank is a Midwest-based state-chartered trust company offering personal trust, estate, and investment services to individuals and families — closely comparable in service mix, regulatory structure, and community-bank-affiliated model.
• Heartland Trust Company: Heartland Trust Company is a Kansas-based independent trust company offering personal trust, estate, and investment management services in the same regional Midwest geography — a direct geographic peer to ATC.
• National Advisors Trust Company (NATC): NATC is a chartered trust company that provides custody, trust administration, and fiduciary services to RIAs and their clients — comparable in trust services and state-chartered structure, although operating at greater scale and as a B2B/RIA-aligned provider.

Broad incumbents

• UMB Financial (UMB Wealth Management): UMB's Wealth Management division offers trust, investment, retirement, and farm/ranch management services through a regional Midwest bank-affiliated platform — a broader, multi-state incumbent in the same product categories and geographies as ATC.
• BOK Financial Wealth Management: BOK Financial offers comprehensive trust, estate, and investment management services through its bank-affiliated wealth division across multiple states — a larger incumbent offering overlapping services to similar HNW and family clients.
• Fidelity Wealth Services: Fidelity provides a broad suite of trust, investment management, retirement, and custodial services to individuals and families nationally — operates at vastly larger scale in overlapping product categories but lacks ATC's localized agricultural real estate specialization.
• Edward Jones: Edward Jones is a national financial services firm offering investment advisory, retirement, and limited trust services to individuals — a broad incumbent with overlap in fiduciary-related services but not a chartered trust company and lacking farm/real estate management depth.
• U.S. Bancorp Wealth Management: U.S. Bank's Wealth Management group offers personal trust, estate, investment management, and retirement services through a national bank-affiliated platform — a much larger incumbent with overlapping services for HNW individuals and families.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/advantage-trust-company

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Advantage Trust Company