Online Banking

Click to speak to a Relationship Manager today!

smiling professional man, Ben Fryman

Ben Fryman


Commercial Lender

Phone icon (859) 233-8938

MLO NMLS ID# 630652

smiling professional man, Chris French

Chris French


Commercial and SBA Lender

Phone icon (859) 333-1046

MLO NMLS ID# 1151173

Chris Boaz

Chris Boaz


Commercial and Mortgage Lender

Phone icon (859) 280-3840

MLO NMLS ID# 478799

Start your Application Today!
Tom Greinke

Tom Greinke


No Title 

Phone icon (859) 685-3046

MLO NMLS ID# 1434459

smiling professional man, Miller Wilson

J. Miller Wilson


Commercial Lender

Phone icon (859) 280-3848

MLO NMLS ID# 467140

We offer a variety of commercial loan products with expertise in Commercial Real Estate and multi-Family Loans including:

  • Real Estate Loans (owner-occupied and investment)
  • Working Capital Lines of Credit Sweep
  • Construction Loans
  • Letters of Credit

All Loans are subject to credit approval.

SBA Loans-SBA Express Certified Lender

  • 7(a) loan program: The SBA 7(a) loan program is the SBA’s primary business loan program.
  • 7(a) proceeds can be used to purchase machinery, equipment, fixtures, and supplies, make improvements to land and/or buildings that will be occupied by the subject applicant’s business.
  • 504 loan program: SBA 504 loan program proceeds may be used to purchase property or capital equipment.


Section 326 of the USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person who opens an account for a covered Legal Entity. New rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats. Each time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number and identification documents for; · Each individual that has beneficial ownership (25% or more) in the Legal Entity: and · One individual that has significant managerial responsibility for the Legal Entity. We proudly support all efforts to protect and maintain the security of all our customers and our country.

Frequently Asked Questions:

Q) What is considered a Legal Entity?

A) Corporations, Limited Liability Companies, Limited Partnerships, Joint Ventures and General Partnerships.

Q) What documentation should I plan to bring with me when opening a Legal Entity Account?

A) A copy of the Operating Agreement or Articles of Incorporation for the Legal Entity and a copy of the current Driver’s License for EACH identified individual with beneficial ownership of 25% or more and for the individual with significant managerial responsibility for the Legal Entity.

Q) Is this new rule retroactive to my existing accounts?

A) No, this information will be required as every legal entity opens a new account going forward-even legal entities with existing relationships. However, modifications to existing accounts, such as authorized signers, will require us to follow these certification steps.

Q) Does this apply to loan accounts?

A) Yes, this rule applies to all accounts including checking, savings, certificates of deposits and loans. Please contact customer service if you have any other questions. 859-233-4500