Title Sponsor

Hilliard Lyons

Participating Companies

Citizens First Corporation

Citizens First Corporation operates as a holding company for Citizens First Bank, Inc., which provides various banking and financial services primarily to individual and corporate customers in Barren, Hart, Simpson, and Warren counties, Kentucky. The company’s deposit portfolio primarily includes checking accounts, regular savings accounts, NOW accounts, money market accounts, sweep accounts, IRA accounts, certificate of deposit accounts, and safety deposit boxes. It makes commercial loans principally to small and medium-sized businesses; originates and maintains commercial real estate loans; and offers residential mortgage loans to borrowers for purchasing and refinancing one to four family properties.

Citizens First also offers personal loans and lines of credit to consumers for various purposes, such as purchase of automobiles, boats, and other recreational vehicles, as well as the making of home improvements and personal investments. In addition, the company provides debit and credit card services through third parties, and offers electronic banking services including online banking and mobile banking. We are currently operating 9 branch locations and 12 automated teller machines.

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Citizens First Corporation News

Presenter - M. Todd Kanipe - President and Chief Executive Officer

Mr. Kanipe was appointed President and Chief Executive Officer of the Company and the Bank in June 2009. Mr. Kanipe has over 20 years of banking experience, having joined the Company in 1999 as Vice President and Trust Relationship Manager.  In 2004, he was named Executive Vice President, Credit Administration of the Company and the Bank.  Mr. Kanipe also served as Executive Vice President, Finance from January 2008 to September 2008.  Prior to joining the Company, he was a senior relationship manager with Trans Financial Bank.  Mr. Kanipe is a graduate of Western Kentucky University where he earned a Bachelor of Science degree in Finance.  He is a graduate of the Cannon Personal Trust School and the Kentucky Schools of Banking and Commercial Lending

Presenter - Steve Marcum - Executive Vice President & Chief Financial Officer

Mr. Marcum, a CPA, has been the Executive Vice President and Chief Financial Officer of the Company and the Bank since August 2009 and also served in those positions from October 2005 through January 2008.  From January 2008 to August 2009, Mr. Marcum was a bank examiner with the Federal Deposit Insurance Corporation and a senior manager with Holland CPAs (now Carr, Riggs & Ingram), a regional public accounting firm.  He was previously employed by two area community banks.  Mr. Marcum received his Master of Business Administration at Western Kentucky University and completed the Graduate School of Banking at the University of Wisconsin-Madison. 


Todd Kanipe

Steve Marcum

IR Contact:
Todd Kanipe


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