For nearly 170 years, the Frankfort community has relied on United Bank & Capital Trust Co. for all its banking needs.

Formerly Farmers Bank & Capital Trust Co., United Bank, which was originally chartered in 1850, changed its name following a merger in February 2017. In the spring, the bank was acquired pending shareholder approval with Wheeling, W.Va.-based WesBanco in a deal valued at $378.2 million.

“We’ve been a part of Franklin County and the Commonwealth of Kentucky for a long time and plan to stick around even longer,” explained Rick Harp, executive vice president, chief trust officer and Bourbon Region president. “The name was changed to avoid confusion in other markets with institutions using ‘Farmers’ in their name, but we are still here to assist you every financial step of your life.”

One thing that has remained constant throughout the bank’s history is its local involvement and the dedication of its 200+ employees — some of who are second generation staff members and a few who have been with the company for more than 40 years.

With the capability to provide services typically offered by larger financial institutions — such as loans, deposit services, electronic and internet banking and administering trust and wealth services, United Bank staff are able to focus more on the individual customer.

“Each one of our employees understands the customers’ needs and is committed to making your visit or your call to the bank enjoyable,” Harp added.

The proud sponsor of the Summer Concert Series in downtown Frankfort, which rocks the Old Capitol lawn every other Friday evening through Sept. 7, United Bank is committed to the community.

“It is a wonderful partnership between us and Downtown Frankfort; we’re bringing music and fun to our downtown, where families can mingle and enjoy themselves,” Harp stated, adding that thousands attend the concerts throughout the warmer months.

United Bank employees are also generously giving — volunteering for numerous local causes including Relay for Life, the American Red Cross and the United Way.

“I believe that is why many people choose to bank with us,” he said. “Not only are we residents of Franklin County, we support it with our time and talent.”

For Harp, the best part of his job is the people.

“I find great enjoyment helping our clients and developing new relationships,” he remarked, adding he has been blessed to work alongside many amazing co-workers, as well.

United Bank’s main Frankfort office is located at 125 W. Main St. There are also four convenient branch locations around the capital city including in Franklin Square at the corner of U.S. 127 South and the East-West Connector; the West Branch, at 1401 Louisville Road; and two eastside locations — Cardinal Hills, 555 Versailles Road and East Branch, 154 Versailles Road.

For more information on the financial institution, visit