Farmers Capital has found some green in the Bluegrass State. Its five bank subsidiaries -- Citizens Bank of Northern Kentucky, Farmers Bank & Capital Trust, First Citizens Bank, LNB, and United Bank -- operate more than 35 branches in northern and central Kentucky. Serving individuals and local businesses, they offer standard retail services such as checking and savings accounts, CDs, and trust activities. Residential mortgages and commercial real estate loans together account for around 80% of the company's loan portfolio. Nonbank subsidiaries of Farmers Capital provide leasing, insurance, and data processing services.