Founded in 1867, Farmers Deposit Bank is a wholly owned subsidiary of Premier Financial Bancorp. Farmers Deposit Bank engages in generating deposits and originating loans for farmers, ranchers, rural homeowners and agricultural business owners. It offers a variety of deposit accounts, such as checking, savings, money market, Christmas Club savings and business checking accounts. The bank provides a wide range of personal, agriculture and commercial loans. Additionally, it offers equipment leasing, tax services, recordkeeping, and other products and services designed to meet customers' personal and agricultural needs. The bank offers Internet banking that includes account information, bill payments, fund transfers, e-statements and payment stopping services. Farmers Deposit Bank has locations in Eminence and Smithfield, Ky.