The First National Bank & Trust Co. is now Brooks Bank. New name, same people, same community banking you trust. Learn More

Investment Management with a Fiduciary Standard

Brooks Bank's trust professionals manage investment portfolios with one obligation: your best interest. Personalized strategies for Oklahoma individuals and families.

Investment Management

Your Goals, Our Expertise

Brooks Bank's investment management services are built on a fiduciary foundation. That means every recommendation we make is in your best interest, not ours. Our trust professionals take the time to understand your financial goals, risk tolerance, and time horizon, then build and manage a portfolio designed to help you get there. Whether you are building wealth, generating retirement income, or preserving assets for the next generation, we provide the ongoing oversight and adjustment your portfolio needs.

Our Investment Approach

Brooks Bank's investment philosophy is built on academic research, low-cost funds, and disciplined portfolio management.

Investment Philosophy

A disciplined approach to investing based on asset class allocation, not market timing or stock picking.

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Investment Philosophy

Brooks Bank has adopted an investment philosophy based on asset class investing, recognizing that investment returns are determined principally by asset allocation
We do not accept fees from fund companies or brokerage firms, so the investment vehicles we provide are unbiased and free of conflicts
We partner with Rogers Wealth Group and Dimensional Fund Advisors to implement strategies using low-cost institutional asset class funds

Understanding Asset Class Investing

We believe passively-managed asset class funds are the most consistent, cost-effective, and prudent method to invest.

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Understanding Asset Class Investing

The investment world can be divided into active and passive management
Active managers try to pick winning stocks; passive strategies capture the returns of entire asset classes at lower cost
Brooks Bank uses passively-managed asset class funds because academic research consistently shows they outperform most actively-managed alternatives over time

Asset Classes and Portfolio Performance

Selecting the right combination of asset classes is the most important determinant of your portfolio's long-term performance.

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Asset Classes and Portfolio Performance

Financial research shows that asset allocation explains approximately 95% of the variation between portfolio returns
Three primary factors influence returns: the percentage invested in stocks overall, the percentage in large vs. small company stocks, and the percentage in growth vs. value stocks
We use this research to build portfolios tailored to your circumstances

Advantages of Asset Class Investment Strategies

Lower costs, broader diversification, and returns backed by decades of academic research rather than market speculation.

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Advantages of Asset Class Investment Strategies

Asset class investing offers several advantages over traditional active management: lower fund expenses because passively-managed funds cost less to operate, broader diversification across entire markets rather than individual stock picks, consistent exposure to proven risk factors that drive long-term returns, and reduced reliance on any single manager's ability to outperform

Implementing Asset Class Investment Strategies

Your portfolio is implemented using low-cost institutional funds and maintained through disciplined rebalancing.

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Implementing Asset Class Investment Strategies

Brooks Bank implements your investment strategy using low-cost institutional asset class funds usually available only to large institutional investors
Once your asset allocation is established, it is maintained through periodic rebalancing and amended as your objectives or circumstances change
We partner with Rogers Wealth Group and Dimensional Fund Advisors to access these institutional-quality funds

Investments and insurance offered through the Trust Department of Brooks Bank are not insured by the FDIC, are not deposits or other obligations of, and are not guaranteed by, any bank or any bank affiliate. Investments are subject to risks, including possible loss of principal amount invested.

Trusted Stories ‍in Motion

Tim Osborn

Osborn Farms

A True Believer in Brooks Bank

"They will work with you if you fall on hard times. If you're honest, any way they can, they will help you get through that rough spot. So I am a true believer in Brooks Bank. Your money's safe there."

Heather Hill

Hill’s Land & Construction

It's All About Families and Community

"If you include my grandpa, it's probably over 50 years that we've banked at that same location. I've used them my entire life. It's not about just banking when it's Brooks Bank. It's truly about families and community."

Blake Elliott

Standley Systems

They Changed the Trajectory of Our Company

"Brooks Bank helped finance a big opportunity that we had which really took us from servicing and operating in just a small portion of Oklahoma to being able to cover all 77 counties and do it at a scale where it worked really well for us. And that changed the whole trajectory of our company."

Faqs

Frequently Asked Questions

How does your firm manage market volatility and portfolio risk?

We use diversification across asset classes, ongoing monitoring, and periodic rebalancing to manage risk. Our investment philosophy is rooted in the principle that asset allocation, not market timing, is the primary driver of long-term returns. We communicate proactively with clients during periods of significant market movement.

What types of alternative and traditional assets can you manage?

Brooks Bank can manage a range of assets including stocks, bonds, mutual funds, CDs, real estate held in trust, and mineral interests. Our oil and gas management team provides specialized oversight for Oklahoma mineral, royalty, and working interests. We use institutional asset class funds from Dimensional Fund Advisors and other providers.

What does it mean to have a fiduciary investment manager?

A fiduciary is legally obligated to act in your best interest, not their own. This is a higher standard than the suitability standard used by many financial advisors. When Brooks Bank manages your investments, every decision is made with your goals and well-being as the priority.

What is the fee structure for professional Investment Management services?

Fees are typically based on a percentage of assets under management and vary based on account size and complexity. Our trust team will provide a clear and transparent fee schedule during your initial consultation. Call 405-825-6300 to discuss.

Do you offer specialized investment strategies for Oklahoma retirees?

Yes. Our trust professionals work with retirees to build income-generating portfolios that balance growth with preservation of capital. We also help manage required minimum distributions, tax-efficient withdrawal strategies, and legacy planning.

How do you tailor investment portfolios specifically for Oklahoma clients?

We start by understanding your specific financial situation, goals, risk tolerance, and time horizon. From there, our trust professionals build a diversified portfolio using institutional asset class funds and provide ongoing management, monitoring, and adjustment as your needs and market conditions change.

Get in touch today!

Have questions or need assistance? Our team is here to help. Whether you’re looking for more information about our services, need support with your account, or want to explore how we can work together, feel free to reach out. Contact us anytime and we’ll get back to you as quickly as possible.

*Do not provide confidential personal or account information when completing this form.

info@Brooks.Bank

(405) 224-2200