About Us

Our History

Every community needs a locally owned Bank. We recognized this need in the Woodford County community and opened Citizens Commerce in 1996. We expanded into Franklin County in 2007, Jessamine County in 2009 and Fayette County in 2018. As we have grown, we always remember one of our greatest strengths is our ability to do business with people we know and to make decisions locally.

We believe in giving back to the communities we serve through sponsorships and volunteer work. We support the Woodford Educational Endowment Foundation, Woodford County Theatre, Bowl for Kids’ Sake, Relay for Life and other charitable organizations, as well as local sports programs. In addition, our officers volunteer for a wide variety of community organizations.

Dedication to service extends to the relationships we have with our customers. We’re constantly looking for ways to make banking more convenient for you, such as our new mobile banking product. Our commitment to service and responsibility has translated to success. We now have five locations and over 16,000 customers, but our vision of serving the community has not changed. We hope you will let us show you how that vision makes banking with Citizens Commerce a rewarding experience.


Citizens Commerce is always looking for ways to be involved in and support local charities and events. If you would like the bank to consider your request, please complete and submit the Community Investment Donation Request Form to the bank.

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