Citizens First Corporation serves as a bank holding company for Citizens First Bank, Inc. (the Bank). The Bank is a state-chartered bank whose principal business is the provision of financial services to individual and corporate customers in Warren, Simpson, Barren and Hart counties in Kentucky. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial and consumer loans. Substantially all loans are secured by specific items of collateral, including business assets, consumer assets, and commercial and residential real estate. The Company operates from a 11 office network in Warren, Simpson, Barren and Hart Counties, Kentucky.