Farmers Capital Bank Corporation is a bank holding company. The Company provides a range of banking and bank-related services to customers throughout Central and Northern Kentucky. Its bank subsidiaries include Farmers Bank & Capital Trust Company (Farmers Bank), United Bank & Trust Company (United Bank), First Citizens Bank (First Citizens) and Citizens Bank of Northern Kentucky, Inc. (Citizens Northern). The Company also holds interest in various subsidiaries, such as FCB Services, Inc., a data processing subsidiary, and FFKT Insurance Services, Inc., a captive property and casualty insurance company. Its primary deposit products are checking, savings and term certificate accounts. Its primary lending products are residential mortgage, commercial lending and consumer installment loans. The Company also offers other services, including cash management services, issuing letters of credit, safe deposit box rental and funds transfer services.