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Mission Statement

Citizens First is the provider of quality financial services to people, businesses and organizations while developing lasting partnerships with each of our customers through responsive, flexible and distinguished personal service.

Core Values:  Integrity – Efficiency – Consistency – Stability



Our History

Citizens First Corporation (Company) was incorporated in 1975 for the purpose of conducting business as an investment club. Through the completion of a public offering of its common stock in February 1999, the Company became a registered bank holding company and, in turn, capitalized Citizens First Bank, Inc. (Bank), a de novo commercial bank chartered under the banking laws of the State of Kentucky. The Bank began operations in February 1999 and is the Company’s only operating subsidiary. Along with its headquarters in Bowling Green, the Bank currently operates eight branches in the counties of Warren, Simpson, Barren and Hart in south central Kentucky, and a loan production office in Williamson County, Tennessee.

Board of Directors

Kent Furlong

Sarah Glenn Grise

James R. Hilliard

Mark Iverson

Todd Kanipe

President & CEO

Steve Marcum


Amy Milliken

Jeff Perkins

Jack Sheidler


John Taylor

Kevin Vance

Executive Management

Todd Kanipe

President & Chief Executive Officer
Email: tkanipe@citizensfirstbank.com

Steve Marcum

Executive Vice President & Chief Financial Officer
Email: smarcum@citizensfirstbank.com

Marc Lively

Executive Vice President & Chief Credit Officer
Email: mlively@citizensfirstbank.com 

Kim Thomas

Executive Vice President of Retail Banking
Email: kthomas@citizensfirstbank.com 


The reason that Citizens First is a great place to work is the same reason that Citizens First is a great place to bank – our employees! We know that our success depends on the trust that our customers place in our employees' integrity and ability. If you have a strong work ethic, a positive attitude and a desire to help others, Citizens First may be the place for you.

Please send your resume to:

Citizens First
Attention: Human Resources
P. O. Box 51650
Bowling Green, KY 42102

Citizens First is an equal opportunity/affirmative action employer and considers all applicants for employment without regard to sex, race, color, religion, national origin, disability, disabled veteran, Vietnam era veteran status, or any other protected status. Any offer of employment received from Citizens First is contingent upon successful completion of the Bank's total pre-employment screening process, including the Bank's receipt of references it considers satisfactory.