Farmers Capital Bank Corporation, a bank holding company, provides banking and bank-related services to individual, business, agriculture, government, and educational customers. Its primary deposit products include checking, savings, and term certificate accounts, as well as time and demand deposits; and lending products comprise residential mortgage, commercial lending, and consumer installment loans. The company also offers other services, such as cash management, letters of credit issuing, safe deposit box rental, and funds transfer services; and other financial instruments, such as deposit accounts in other financial institutions and federal funds sold. In addition, it acts as an agent in providing credit card loans; trustee of personal trusts; executor of estates; trustee for employee benefit trusts; registrar, transfer agent, and paying agent for bond issues; and a commercial leasing company. Further, the company offers insurance products; data processing services for unaffiliated entities; and bill payment services under the FirstNet name. Additionally, it manages and liquidates real estate properties. As of May 5, 2015, the company operated 36 banking locations in 23 communities in Central and Northern Kentucky. Farmers Capital Bank Corporation was founded in 1850 and is headquartered in Frankfort, Kentucky.