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. The Company's bank subsidiaries include Farmers Bank & Capital Trust Company, United Bank & Trust Company, First Citizens Bank and Citizens Bank of Northern Kentucky, Inc. The Company also owns FCB Services, Inc., a data processing subsidiary, and FFKT Insurance Services, Inc., a captive property and casualty insurance company. The Company's 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.