Field & Main Bank

What Field & Main Bank does

Field & Main Bank is a community bank headquartered in Henderson, Kentucky, providing personal, business, agricultural, and wealth management banking services across Western Kentucky, Central Kentucky, and Southern Indiana through six branches plus online, mobile, and phone channels. Founded in 1934 and reorganized in 2015 via the merger of Ohio Valley Financial Group and BankTrust Financial Corp, the bank operates a horizontally segmented model targeting individual consumers, small to mid-size businesses, farmers and agribusinesses, wealth management clients, and nonprofit organizations. Core products include checking, savings, CDs, mortgages, personal loans, commercial and agricultural loans, Treasury Management (ACH origination, Positive Pay, remote deposit capture, wire transfers, sweep accounts), and wealth services delivered via referral to LPL Financial and Western Wealth Management. The technology stack is built on third-party platforms: online and mobile banking apps on iOS and Android, CardValet for debit card controls, Autobooks for small-business invoicing and payments, Zelle for P2P, Symantec VIP for two-factor authentication on Treasury Management, and Zix for encrypted email, with FDIC insurance, GLBA compliance, and CRA-eligible community development activity. As of May 1, 2026, Field & Main Bank merged into Stock Yards Bank & Trust Company following Stock Yards Bancorp's all-stock acquisition of Field & Main Bancorp for approximately $105.7 million, adding roughly $861 million in assets, $652 million in loans, and $781 million in deposits to a combined organization of approximately $10.4 billion in assets and 81 branches, with full system integration scheduled for October 17, 2026.

Name

Field & Main Bank

Legal name

Field & Main Bank

Website

https://fieldandmain.com

Company type

Private

Founded year

1934

Operating status

Acquired

Headcount range

101–250 employees

Short description

Field & Main Bank is a community bank serving individuals, small/mid-size businesses, and agricultural clients across Kentucky and Southern Indiana with deposit, lending, treasury management, and wealth services. As of May 2026, it merged into Stock Yards Bank & Trust following Stock Yards Bancorp's acquisition of Field & Main Bancorp.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Agricultural & Rural Development Banks (FSABAKAE), Real Estate (Commercial Property, REITs) (FSABACAH)

Keywords

• Community banking services
• Commercial lending solutions
• Agricultural loans
• Treasury management services
• Wealth management advisory

Headquarters

HQ city

Henderson

HQ country

United States

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain

Revenue model

1. Net Interest Income: Traditional banking revenue from the spread between interest earned on loans (commercial, agricultural, mortgage, personal) and interest paid on deposits. Core revenue driver for a community bank.
2. Non-Interest Income: Fee income from account maintenance, ATM fees, wire transfers, overdraft fees, treasury management services, wealth management referrals, and card services.
3. Wealth Management Referrals: Referrals to LPL Financial for securities and investment products, generating referral revenue through partnership agreement.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Field & Main Bank is a community bank that provides deposit products (checking, savings, money market, CDs), consumer and commercial lending (mortgages, personal, agricultural, and SBA loans), treasury management cash-flow tools, and wealth management advisory and fiduciary services to individuals, small and mid-size businesses, and agricultural operators across Kentucky and Indiana. Distribution is delivered through six branch banking centers, online and mobile banking platforms, and partnerships with LPL Financial and Western Wealth Management for investment products.

Product overview

Field & Main Bank is a community bank offering a unified suite of banking products and services through its branches in Kentucky and Indiana. The portfolio spans personal and business checking/savings accounts, mortgages, consumer and commercial lending (including specialized agricultural loans), treasury management, and wealth management services with LPL Financial. Digital banking is delivered via online and mobile platforms, while the recent merger with Stock Yards Bancorp (completed May 2026) integrates Field & Main into the Stock Yards Bank & Trust network, with full systems conversion expected October 2026.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts Personal checking products including Simply Free Checking (no monthly fee, free debit card), Direct Interest Checking, 50+ Interest Checking for customers 50 and over, Premium Interest Checking (higher rates with $1,500 minimum balance), and Wellness Checking (HSA-style healthcare expense account) for individual consumers.
• Personal Savings Accounts Personal savings products including Simple Savings with competitive interest rates and low fees, Money Market accounts with tiered interest, and Holiday Helper accounts with automatic fund withdrawal each October.
• Certificates of Deposit (CDs) Time deposit savings products with fixed interest rates and maturity dates. Current specials include a 5-month CD at 4.00% APY ($500 minimum) and a 13-month CD at 3.80% APY ($500 minimum), plus a 13-month Fixed IRA CD at 3.80% APY ($2,000 minimum) for retirement accounts.
• Mortgages Home loan products including fixed-rate mortgages, government-guaranteed loans (FHA, VA, USDA), adjustable rate loans, bridge loans, home construction financing, home equity loans, HELOCs, and refinancing options. Following the Stock Yards Bancorp acquisition completed May 1, 2026, mortgage applications are being handled through Stock Yards Bank & Trust.
• Personal Loans Consumer lending products including personal loans for home remodeling, weddings, and vacations; auto and recreational vehicle loans; debt consolidation through home equity loans; and credit card services for individual borrowers.
• Debit and Credit Cards Card products including a Visa Platinum credit card with competitive rates and no annual fee, MasterCard debit cards accepted worldwide, Visa Gift Cards (up to $1,000 load) issued by Pathward N.A., and Business Gift Cards. CardValet app provides fraud protection with transaction alerts, geographic and merchant restrictions, and card lock features.
• Business Checking Accounts Business checking accounts including Analysis Checking for complex banking needs with earnings credit, Business Interest Checking with higher interest and minimum balance requirements, Simply Free Business Checking for most businesses, and Reliance Checking for nonprofits, government entities, and trusts.
• Business Savings Accounts Business savings solutions including Business Simple Savings with low fees and withdrawal limits, Business Money Market with tiered interest, and Business CDs with competitive rates for fixed-term savings.
• Commercial Loans Business lending solutions including commercial real estate loans, SBA loans, working capital loans, equipment financing, commercial lines of credit, construction loans, agricultural loans, owner-occupied commercial real estate loans, and investment property loans for small to mid-size businesses.
• Agricultural Loans Specialized lending for farmers and agribusinesses including farm operating loans, real estate secured lines of credit, farm real estate loans, farm equipment financing, farmland purchase loans, and operating and maintenance cost financing for Kentucky and Indiana producers.
• Treasury Management Cash flow and liquidity management services for businesses including ACH origination, Positive Pay check and ACH fraud protection, wire transfers, Remote Deposit Capture, sweep services, and merchant services, integrated with the online banking platform and secured by Symantec VIP two-factor authentication.
• Wealth Management Services Investment and financial planning services including advisory services with customized portfolio construction, tax-sensitive investing, and tax-loss harvesting, plus fiduciary services with revocable living trusts, trust administration, and estate settlement. Securities offered through LPL Financial (registered broker-dealer, FINRA/SIPC member) and investment advice provided through Western Wealth Management (registered investment advisor).
• Online and Mobile Banking Digital banking platform enabling customers to access accounts, transfer funds, pay bills, deposit checks remotely via mobile devices, and manage finances through web browser or the iOS and Android mobile applications. Integrated with Autobooks invoicing for small businesses and Zelle peer-to-peer payments.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• LPL FinancialcoreStrategic or Co-development PartnerSecurities offered through LPL Financial, a registered broker-dealer (member FINRA/SIPC). Insurance products offered through LPL or affiliates. Wealth management advisors are registered representatives of LPL offering products and services using Western Wealth Management branding.
• Western Wealth ManagementcoreStrategic or Co-development PartnerRegistered investment advisor providing investment advice. Separate entity from LPL Financial. Field & Main Bank refers customers to Western Wealth Management advisors.
• Community Ventures CorporationminorStrategic or Co-development PartnerField & Main Bank partnered with Community Ventures Corporation to receive CDFI Fund Award, supporting community development lending initiatives.
• Harland ClarkeminorChannel Partner/ Reseller/ DistributorPreferred check provider for Field & Main Bank customers. Customers can order checks online through Harland Clarke's VeriSign secure website.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• First Financial Bank: Cincinnati-based regional community bank with significant Ohio, Indiana, and Kentucky branch presence. Comparable product suite across retail, commercial, mortgage, and wealth management, with overlapping ag lending and SMB treasury services.
• Farm Credit Mid-America: Farm Credit System association serving Kentucky, Indiana, Ohio, and Tennessee. Direct competitor in agricultural lending (farm operating, real estate, equipment financing) across the same Western/Central KY and Southern Indiana footprint as Field & Main's ag book.
• German American Bancorp: Jasper, Indiana-based community bank holding company with a heavy Southern Indiana footprint that directly overlaps Field & Main's Evansville market. Comparable commercial/retail banking and ag lending mix, ~$5B in assets.
• Independence Bancorp: Kentucky community bank operating in Northern Kentucky/Cincinnati corridor with comparable size (~$2B assets) and similar community-banking model, deposit gathering, and commercial lending focus.
• Stock Yards Bancorp: Louisville-based community bank holding company and Field & Main's acquirer (NASDAQ: SYBT). Comparable as a KY/IN community bank with similar commercial, retail, and wealth management lines, scaled larger at ~$10.4B in assets post-merger with 81 branches.
• Forcht Bank: Kentucky-based community bank with comparable size and footprint across Central and Eastern Kentucky. Similar full-service retail, commercial, mortgage, and wealth management offerings with a community banking value proposition analogous to Field & Main.
• Republic Bancorp: Louisville-based Kentucky community bank (NASDAQ: RBCAA) with similar community-banking focus, deposit products, and small business/commercial lending across Kentucky and Indiana markets.

Broad incumbents

• Pinnacle Financial Partners: Nashville-based community bank (NASDAQ: PNFP) operating across the Southeast with a relationship-driven commercial banking model. Comparable premium-service community banking positioning, though at materially larger scale (~$50B assets).
• WesBanco: Wheeling, WV-based regional bank holding company (NASDAQ: WSBC) with significant Kentucky, Ohio, and Indiana presence. Comparable community/commercial banking model at larger scale (~$20B assets) with overlapping ag and CRE lending.

Others

• LPL Financial: Independent broker-dealer and Field & Main's wealth management referral partner. Relevant as the operating ecosystem underlying Field & Main's wealth referral revenue stream rather than as a direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/fieldandmainbank
• LinkedInlinkedin.com/company/field-&-main-bank
• Instagraminstagram.com/fieldmain

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Field & Main Bank