GoldStar Trust Co.
GoldStar Trust Company, founded in 1989 and based in Canyon, Texas, is a state-chartered trust company and division of Centennial Bank (Home BancShares, Inc.) that provides self-directed IRA custodial services for alternative assets including precious metals, real estate, REITs, church bonds, and private securities to individual investors and financial professionals nationwide.
- Company typePrivate
- Founded1989
- HeadquartersCanyon, United States
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What GoldStar Trust Co. does
GoldStar Trust Company, founded in 1989, is a state-chartered trust company and self-directed IRA custodian operating as a division of Centennial Bank, which is itself a subsidiary of the publicly traded Home BancShares, Inc. (NASDAQ: HOMB). The company's institutional root traces to Happy State Bank, established in 1908 in Texas, providing a regulatory charter, fiduciary infrastructure, and balance-sheet backing exceeding $22.99 billion in parent assets. GoldStar is headquartered in Canyon, Texas (with the corporate office at 701 S. Taylor, Suite 260, Amarillo) and employs 101–250 people. It operates under Texas Department of Banking oversight and is a member of the Retirement Industry Trust Association (RITA).
The firm's core product is custodial administration of self-directed IRAs — Traditional, Roth, SEP, and SIMPLE — that hold alternative assets traditional custodians will not accept, including precious metals (gold, silver, platinum, palladium), real estate held directly or through LLC/LP entities, publicly traded and non-traded REITs, privately offered securities and closely held stock, church bond programs, and crowdfunding investments under Reg CF / Reg D / Reg A+. Supporting an Auto Rollover IRA service for plan sponsors managing missing 401(k) participants, and escrow, paying-agent, trustee, and disbursing-agent services for bond issuances, structured settlements, and secondary-market annuities. The underlying technology stack is a web-based account portal (top-10 holdings, transaction history, electronic statements with two-factor email confirmation), DocuSign-based electronic account opening, and the proprietary Altmetrics electronic document management platform with e-signature and PDF download. Precious-metals custody relies on a network of four IRS-approved depositories located in Delaware, Texas, and Nevada, providing commingled and segregated storage.
GoldStar monetizes primarily through recurring fee streams: annual maintenance fees (billed on the account opening anniversary and not prorated), annual depository storage fees based on calendar-year market value, a $25 per-trade fee for stock/mutual-fund transactions (plus brokerage at cost), nominal annual administrative deductions on Auto Rollover IRAs, professional-service fees for disbursing-agent work, and a $25 annual fee for paper statements. Customer acquisition is split between direct individual investors (via phone and online self-enrollment) and financial-professional referral channels (CPAs, financial advisors, broker-dealers, plan sponsors). The firm explicitly does not provide investment advice, tax counsel, or dealer services — investors retain full control of investment selection, while GoldStar performs the regulatory custody, valuation, and reporting functions.
GoldStar Trust Co. firmographics
Firmographics- Name
- GoldStar Trust Co.
- Legal name
- GoldStar Trust Company
- Website
- https://goldstartrust.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- GoldStar Trust Company, founded in 1989 and based in Canyon, Texas, is a state-chartered trust company and division of Centennial Bank (Home BancShares, Inc.) that provides self-directed IRA custodial services for alternative assets including precious metals, real estate, REITs, church bonds, and private securities to individual investors and financial professionals nationwide.
- Ownership category
- akta.pro rank
GoldStar Trust Co. industry classification
Industry- Product category
- Self-Directed IRA Custodial Services
- NAICS
- Trusts, Estates, and Agency Accounts (52592), Funds, Trusts, and Other Financial Vehicles (525)
- SIC
- Finance Services (6199), Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Directed Trust & Trust Advisory Services (FSAAANAK)
Keywords
Where GoldStar Trust Co. is headquartered
LocationHeadquarters
- HQ city
- Canyon
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
GoldStar Trust Co. business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Annual Account Maintenance Fees: Annual maintenance fees billed on account opening anniversary date for IRA accounts. Fees vary based on asset types held in the account. Fees are not prorated.
- Transaction Fees: $25 transaction fee per stock/mutual fund trade executed through the company's omnibus account, plus brokerage fees at cost.
- Precious Metals Storage Fees: Annual depository storage fees for precious metals held in IRAs, assessed based on calendar year and market value of account. Full annual charge due for each full or fractional calendar year.
- Automatic Rollover IRA Fees: Nominal annual administrative fee deducted automatically from IRA balances for searching for missing participants and maintaining records for DOL compliance.
- Disbursing Agent Services: Fees for payment processing services for structured settlements, secondary market annuities, and structured cash flows. Competitive fees with no hidden charges.
- Paper Statement Fee: $25 annual fee for paper statements, $10 reprint fee per request for those who do not elect electronic delivery.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Annual Paper Statement Fee - $25/year |
| Transaction based/ take rate | Pay-as-you-go | Stock/Mutual Fund Trading - $25 per trade + brokerage fees |
| Subscription | Annual | Precious Metals IRA - Annual maintenance and storage fees |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
GoldStar Trust Co. product offering
Product offeringCore offering
GoldStar Trust Company provides custodial and administrative services for self-directed IRAs (Traditional, Roth, SEP, and SIMPLE), enabling individual investors to hold alternative assets such as precious metals, real estate, REITs, church bonds, crowdfunding, and privately offered investments. The firm also serves as trustee, registrar, paying agent, and escrow agent for church bond issuances and structured settlement disbursements, operating as a trust division of Centennial Bank backed by Home BancShares, Inc.
Product overview
GoldStar Trust Company offers a unified self-directed IRA custodial platform with multiple investment vehicle types. The core offering is the Self-Directed IRA, available as Traditional, Roth, SEP, or SIMPLE accounts, which allows investors to choose and manage their own retirement investments. The platform specializes in alternative assets including Precious Metals IRAs (gold, silver, platinum, palladium stored at approved depositories), Real Estate IRAs (direct property or LLC/LP structures), REITs, Church Bonds, Crowdfunding investments, and Privately Offered Investments (closely held stocks, LLCs). Supporting services include Auto Rollover IRAs for lost 401(k) participants, Escrow and Paying Agent Services for church finance and structured settlements, and the Altmetrics electronic document platform for account management. All services are provided without investment advice, tax counsel, or affiliation with dealers.
Differentiator
Problem solved
Functional benefit
Products and services
- Self-Directed IRAs (Traditional, Roth, SEP, SIMPLE) A self-directed IRA allows account owners to choose and manage their own retirement investment options across a wide range of alternative assets, offering tax-deferred or tax-free growth depending on account type.
- Precious Metals IRA
Quantifiable outcome
- Funds typically transferred within 1 week of receiving complete paperwork
- +1 more outcomes
Companies that use GoldStar Trust Co.
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles4 records
GoldStar Trust Co. technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
GoldStar Trust Co. partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core.
- RITA (Retirement Industry Trust Association)coreGoldStar Trust Company is a proud member of RITA, the Retirement Industry Trust Association, an organization dedicated to helping Americans reach their retirement goals through self-directed retirement plans.
- Delaware Depository (Depository Trust Company of Delaware, LLC)corePrimary depository for GoldStar Trust precious metals IRAs located in Wilmington, Delaware. Provides commingled storage for all metal types and segregated storage for gold, platinum, palladium, and 1000 oz. silver bars.
- IDS (International Depository Services Group)coreDepository partner with locations in New Castle, Delaware and Dallas, Texas. Provides commingled and segregated storage for gold, silver, platinum, and palladium.
- TPMD of Texas (Texas Precious Metals Depository)coreTexas-based depository located in Shiner, Texas. Provides segregated storage for gold, silver, platinum, and palladium for GoldStar Trust clients.
- AMGL of Nevada (A-M Global Logistics, LLC)coreNevada-based depository located in Las Vegas. Provides commingled and segregated storage for gold, silver, platinum, and palladium.
- Broker-Dealers for Church BondscoreGoldStar works with a number of broker-dealers on church bond issues throughout the country, serving as trustee, registrar, and paying agent on bond programs.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
GoldStar Trust Co. competitors and assessment
Company assessmentDirect peers
- IRA Financial Group: IRA Financial Group provides self-directed IRA and Checkbook IRA solutions that allow investors to use an LLC structure to hold alternative investments. It targets the same self-directed investor base as GoldStar, particularly for real estate and private equity.
- Equity Trust Company: Equity Trust is one of the largest self-directed IRA custodians in the U.S., offering IRAs holding alternative assets including real estate, precious metals, private equity, and notes. It is the closest direct competitor to GoldStar in the self-directed IRA custodial space.
- Kingdom Trust: Kingdom Trust is a South Dakota-chartered custodian specializing in self-directed IRAs for alternative investments, including private equity, real estate, cryptocurrency, and notes. It competes head-to-head with GoldStar for self-directed IRA assets across similar asset classes.
- uDirect IRA: uDirect IRA is a self-directed IRA custodian providing Traditional, Roth, SEP, SIMPLE, and HSA accounts that hold alternative investments. It competes directly with GoldStar in the self-directed custodial space for real estate, private notes, and precious metals.
- Strata Trust Company: Strata Trust Company is a self-directed IRA custodian focused on alternative investments, including real estate, precious metals, private notes, and oil/gas. It is a direct competitor to GoldStar in the alternative-asset IRA custodial niche.
- New Direction IRA: New Direction IRA is a self-directed IRA administrator/custodian offering Traditional, Roth, SEP, and SIMPLE IRAs holding alternative assets. It directly overlaps with GoldStar's core IRA product set and target investor profile.
Emerging players
- Rocket Dollar: Rocket Dollar is a fintech self-directed IRA platform that enables investors to use an LLC/checkbook structure to invest in alternatives. It targets the same self-directed investor segment as GoldStar with a digital-first approach.
- Alto (Alto IRA): Alto is a venture-backed fintech offering a modern self-directed IRA platform with low fees and digital onboarding, including crypto IRAs. It is an emerging competitor to GoldStar focused on technology and user experience, particularly among younger investors.
Broad incumbents
- Fidelity Investments: Fidelity is one of the largest U.S. IRA custodians, offering a broad suite of self-directed brokerage IRAs. While it is not specialized in alternative assets, it competes for the same retirement-investor wallet and has been expanding alternative-asset offerings.
- First Trust (First Trust Portfolios / IRA Services): First Trust is a large financial-services firm offering a wide range of investment products and custodial services. While it operates in a broader set of asset classes than GoldStar, it is a broad incumbent in the IRA services ecosystem with overlapping capabilities.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
GoldStar Trust Co. social profiles
Digital presenceGoldStar Trust Co. financial estimates
Financial estimateRevenue estimate
Valuation estimate
GoldStar Trust Co. leadership team
Management profileNumber of profiles
Profiles1 record
GoldStar Trust Co. funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
GoldStar Trust Co. M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about GoldStar Trust Co.
What does GoldStar Trust Co. do?
GoldStar Trust Company provides custodial and administrative services for self-directed IRAs (Traditional, Roth, SEP, and SIMPLE), enabling individual investors to hold alternative assets such as precious metals, real estate, REITs, church bonds, crowdfunding, and privately offered investments. The firm also serves as trustee, registrar, paying agent, and escrow agent for church bond issuances and structured settlement disbursements, operating as a trust division of Centennial Bank backed by Home BancShares, Inc.
Is GoldStar Trust Co. a public or private company?
GoldStar Trust Co. is a private company. It is classified as corporate owned and is currently operating.
When was GoldStar Trust Co. founded?
GoldStar Trust Co. was founded in 1989. It employs 101 to 250 people.
Where is GoldStar Trust Co. based?
GoldStar Trust Co. is headquartered in Canyon, United States, in the North America region.
How does GoldStar Trust Co. make money?
Six revenue lines are on record. Annual Account Maintenance Fees are the primary driver. The others are transaction Fees, precious Metals Storage Fees, automatic Rollover IRA Fees, disbursing Agent Services and paper Statement Fee.
Who are GoldStar Trust Co.'s main competitors?
Direct peers on record are IRA Financial Group, Equity Trust Company, Kingdom Trust, uDirect IRA, Strata Trust Company and New Direction IRA. Emerging players are Rocket Dollar and Alto (Alto IRA). Broad incumbents are Fidelity Investments and First Trust (First Trust Portfolios / IRA Services).
Does GoldStar Trust Co. have an API?
No public API is recorded for GoldStar Trust Co..
What industry is GoldStar Trust Co. in?
GoldStar Trust Co.'s product category is Self-Directed IRA Custodial Services. Its primary akta.pro industry code is FSAAANAK, Directed Trust & Trust Advisory Services. Its NAICS code is 52592 and its SIC code is 6199.