Before there was banking, there was trust services. Discussed by Homer and then Aristotle, the concept has its roots in both Roman and Islamic law. However, it was English law in the 12th century that had to perfect the structure for noble landowners to pass their estate on to the next generation. As anyone that has seen Game of Thrones will attest, that can get messy. By the turn of the century, chances were that if you were not a savings bank, you were a “Bank & Trust.” These days, about 1 in 6 community banks have trust departments.