President's Corner

Lloyd C. Hillard, Jr.

President and CEO




We are starting a new chapter in the long history of our Company. On February 21, 2017, Citizens Bank of Northern Kentucky; First Citizens Bank; and United Bank & Trust Co will merge into our oldest charter (1850) of Farmers Bank & Capital Trust Co. The new Bank will be named United Bank & Capital Trust Company.

This important step will help us honor our past as we build for the future.

Consolidation was an essential step for us to be more relevant in this new and challenging environment. We will be stronger as one Bank to meet the demands of our growing markets. We believe that operating as one Bank will offer enhanced opportunities to better serve our communities and provide more value to our customers. In addition, employees will have better career opportunities. By taking this step, we will become more efficient and competitive, increase shareholder value, and streamline our regulatory reporting.

Simply stated, we will be BETTER. UNITED.