Citizens First Corporation operates as a holding company for Citizens First Bank, banking and financial services provider. The Bank is primarily engaged in the business of accepting demand, savings and time deposits insured by the Federal Deposit Insurance Corporation and providing commercial, consumer and mortgage loans to the general public. The Bank also provides debit cards, credit cards, safekeeping and safe deposit boxes, automated clearing house and other direct deposit services, savings bond redemptions, cashier's checks, travelers' checks and letters of credit.