Farmers Capital Bank Corporation operates as the bank holding company for United Bank & Capital Trust Company that provides banking and bank-related services to individual, business, agriculture, government, and educational customers. The company's 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. It also provides other services, such as cash management services, letters of credit, safe deposit box rental, and funds transfer services; and other financial instruments comprising deposit accounts in other financial institutions and federal funds sold. In addition, the company acts as an agent in providing credit card loans; trustee of personal trusts; executor of estates; trustee for employee benefit trusts; and registrar, transfer agent, and paying agent for bond issues. Further, it is involved in real estate management and liquidation for various properties; and provision of insurance agency services comprising title insurance coverage, as well as trust services. As of January 22, 2018, the company operated 34 banking locations in 21 communities throughout Central and Northern Kentucky. Farmers Capital Bank Corporation was founded in 1850 and is headquartered in Frankfort, Kentucky.