Trust Services

Kevin Kloentrup
VP, Trust Division Manager

Tammy Adkins
VP, Trust Officer

Citizens Bank of Northern Kentucky’s mission is to develop long-term relationships by providing outstanding, personalized trust and investment services to all of our clients. With our wide spectrum of products and services to choose from, you’re sure to find the investment that best fits your needs. Our Investment and administrative staff will lend their expertise to your plans for your future.


  • Equity Investments
  • Fixed Income
  • Individual Stocks
  • Mutual Funds
  • Exchange Traded Funds
  • Bonds (Corporate, Government Agencies, Municipals, US Treasuries)
  • Certificates of Deposit
  • Real Estate Investment Trust
  • Privately Held Investments (acting as Custodian only)


  • Estate Planning
  • Financial Planning
  • Investment Management
  • Trust Administration
  • Estate Settlement
  • Self-Directed Accounts
  • Corporate Custody


Note: Investments that are not bank deposits such as stocks, bonds, mutual funds, money market funds, annuities, and treasury securities, etc. are not FDIC insured, not guaranteed by the financial institution, and are subject to risk and may lose value.