First Farmers Bank & Trust Company was chartered as Farmers Bank of Owenton in 1884 and the latter was also incorporated in First Farmers Bank. The bank offers a wide range of services, such as checking and savings accounts, certificates of deposit, individual retirement accounts, money market checking and direct deposit. In addition, First Farmers Bank provides a variety of investment products, such as wealth management, annuity, bonds, mutual funds, stocks, life insurance and long term care insurance. It also caters to the customers with a host of loan programs and mortgages. The bank is a member of FDIC and is an Equal Housing Lender.