Kentucky Bancshares is a bank holding company operating through its subsidiary, Kentucky Bank. Kentucky Bank is a locally owned and publicly traded financial institution. The Bank is engaged in general full-service commercial and consumer banking. A significant part of Kentucky Bank’s operating activities includes originating loans. Kentucky Bank makes commercial, agricultural, and real estate loans to its commercial customers, with emphasis on small-to-medium-sized industrial, service, and agricultural businesses. It also makes residential mortgage, installment, and other loans to its individual and other non-commercial customers.