The Bank of Kentucky Financial Corporation operates as the holding company for The Bank of Kentucky that provides various financial products and solutions. It accepts various deposit products that include regular passbook savings accounts, negotiable order of withdrawal accounts, money market deposit accounts, term certificate accounts, and individual retirement accounts. The company’s loan portfolio comprises commercial loans; residential and nonresidential real estate loans; commercial real estate loans; construction and land development loans; and consumer loans, including automobile loans, recreational vehicle loans, personal loans, real estate loans, and home equity lines of credit. It also provides checking, lockbox, and other treasury management services; electronic banking products, such as Internet banking and debit cards; and offers administration of personal trusts and estates, as well as the management of investment accounts for individuals. As of April 19, 2012, the company operated 33 branch locations and 56 ATMs in the northern Kentucky market. The Bank of Kentucky Financial Corporation was founded in 1990 and is headquartered in Crestview Hills, Kentucky.