TI-TRUST, Inc. is a Leading Provider of ESOP Fiduciary Services

TI-TRUST is a nationally recognized provider of ESOP trustee services. We are headquartered in Quincy, Illinois, with offices throughout the United States. TI-TRUST served as trustee for its first ESOP in 1989. Today, we represent over 100,000 plan participants in nearly 200 employee-owned companies nationwide.

These clients are all served by our Fiduciary Team, which oversees the decision-making on behalf of the plans and the plan participants we serve.

We are foremost dedicated to acting with procedural prudence, with a duty of loyalty to the ESOP, plan participants and beneficiaries, and for their exclusive benefit.

What is an ESOP?

An Employee Stock Ownership Plan (“ESOP”) is an employee benefit plan that gives workers ownership interest in the company in the form of shares of stock.

Why Choose an Institutional Trustee?

The choice of a trustee is an important component of the operational compliance of a plan. There are many choices; it is very important to select someone who can fulfill that role seamlessly. TI-TRUST is an institutional trustee, meaning its processes and decision-making are subject to regular review by a financial regulator. This perennial review hones our fiduciary skills, provides the highest quality of service, and holds us accountable.

Our Services

TI-TRUST helps ensure that the plan operates in accordance with the plan provisions and applicable federal regulations.

Services include:

  • Establishing the value of company stock held in the plan
  • Selecting, engaging, and monitoring plan advisors
  • Voting company stock owned by the plan
  • Monitoring plan compliance with applicable laws and regulations
  • Evaluating and executing ESOP purchase and sale transactions
  • Administering ESOP loans, employee contributions, and plan assets
  • Completing participant distributions and tax reporting for retirees and terminated employees

To meet our clients’ needs, we serve in three different capacities, including:

  • Directed Trustee – The plan sponsor directs TI-TRUST on certain fiduciary matters.
  • Discretionary Trustee – TI-TRUST acts in its discretion on all fiduciary matters.
  • Custodian – TI-TRUST holds the trust assets and makes distributions as directed by the plan sponsor.


Our Mission is to provide the highest level of care in managing legacies for those we serve.

We aim to be a leading provider of fiduciary services for our clients through superior, innovative, and efficient delivery of services made possible by a dedicated team of individuals committed to excellence.

We believe People Matter, Integrity Matters, Community Matters, and Excellence Matters.

Members of our team are very active in several associations dedicated to Employee Ownership.

Client Testimonial

Please note: On June 21st, 2019 First Bankers Trust Services, Inc. changed its name to TI-Trust, Inc.

Our Team

TI-TRUST is dedicated to providing the highest quality fiduciary services in the country. Our dedicated and nationally regarded team of professionals focuses on our ESOP clients' specialized and unique fiduciary and administrative needs. With deep competencies in the legal, regulatory, and financial requirements governing ESOPs, we are uniquely positioned to provide customized fiduciary and administrative solutions for ESOP plan sponsors, participants, and beneficiaries.