Trust/Wealth Client Log In

401 k Client Log In

KS Trust

Our mission is to protect, manage, and grow your wealth. And we take that very seriously.


Our team is committed to maintaining a clear focus on building and preserving client’s wealth and enhancing their quality of life, both now and in the future. Working in a fiduciary capacity, the KS Trust team provides a single point of contact for a full array of investment services.



Roger K. ThomasRoger K. Thomas, Chief Wealth Officer

Roger K. Thomas, Senior Wealth Consultant has eighteen years of banking experience, with fourteen of those years in wealth management, serving as a fiduciary. Roger holds an AIF certification (Accredited Investment Fiduciary certification from fi360/Cannon Financial Institute). His background includes investment management, personal tax, tax planning and estate planning as well as administration of employee benefit accounts (specifically 401k plans). He has served as a Relationship Manager and Employee Benefits Officer.

Roger's educational background includes a degree in Trust and Investment Management with a minor in Financial Planning and a Master in Business Administration degree from Campbell University. He holds a North Carolina Life and Health Insurance License.

Jim WattsJim L. Watts, Senior VP, Senior Portfolio Manager

Jim L. Watts has twenty-four years of fiduciary experience. He has served as Senior Investment Strategist and Relationship Officer. His experience includes an extensive background in investment management, personal trust, tax planning and estate settlement.

After graduating from Campbell University with a Trust and Investment Management degree with a minor in Financial Planning, he received a Graduate Trust Degree from Northwestern University. Jim holds a CTFA certification (Certified Trust and Financial Advisor) as well as a CISP certification (Certified IRA Services Professional) and served as former Chairman for the ABA IRA Steering Committee, Washington, D.C.

Jim WattsShannon Austin, VP, Wealth Consultant

Shannon Austin has been in the wealth management industry for 7 years and is a graduate of Campbell University with a Bachelor of Business Administration in Trust and Wealth Management and a minor in Financial Planning. She is responsible for growing the wealth and 401k business, while providing comprehensive financial planning to individuals, families and businesses within key markets. 




Heidi WatkinsHeidi K. Watkins, Trust Administrator

 Heidi K. Watkins, Trust Administrator, has been with KS Bank since 2006.  Her experience includes operations, finance, and trust administration.  Heidi is a graduate of Southeastern Trust School, Campbell University.  She oversees the trust administrative duties for KS Trust.

Investments managed by KS Bank's Trust department are not deposits; not insured by the FDIC or any other government agency; not guaranteed by KS Bank; and subject to risk and may lose value.