Question 1

What is Taylor County Bank?

Accepted Answer

Taylor County Bank is a community-focused commercial bank based in Campbellsville, Kentucky. As the only locally owned and operated financial institution in Taylor County, the bank specializes in commercial lending while providing comprehensive personal and business banking services. With approximately $249 million in total assets and 4 offices throughout Taylor County, the bank maintains strong financial performance with a return on assets of 2.56% and return on equity of 27.62%.

Taylor County Bank is a state-chartered commercial bank supervised by the FDIC and operates as a non-member of the Federal Reserve System. The bank is held by Taylor County Bancshares Inc.

Question 2

When was Taylor County Bank founded?

Accepted Answer

Taylor County Bank was founded on September 1, 1937 by J.C. Miller, Sr., a builder and engineer by trade. The bank emerged in the aftermath of the Great Depression when most banks in Campbellsville had closed, opening with $300,000 in capital.

The bank's founding was built on principles of hard work, personal service, and integrity that Miller described as "days of earnest effort and sincerity, days of longer work hours, and when a contract and a handshake was considered a sacred bond." However, the Miller family's connection to Taylor County banking dates back to 1914 when J.C. Miller, Sr. first came to town. The bank received FDIC insurance on April 6, 1938.

Question 3

Where is Taylor County Bank headquartered?

Accepted Answer

Taylor County Bank is headquartered at 201 Lebanon Avenue in Campbellsville, Kentucky 42718. The current headquarters building was constructed during the leadership of James C. Miller III (Big Jim) and continues to serve as the bank's main office today.

Question 4

Where does Taylor County Bank operate?

Accepted Answer

Taylor County Bank operates exclusively in Taylor County, Kentucky, with 4 offices located throughout the Campbellsville area. The bank's branch locations include the main office on Lebanon Avenue, TCB Express, and additional locations serving the Campbellsville community.

As a hometown bank with deep roots in the community, Taylor County Bank focuses on serving the financial needs of residents and businesses within Taylor County and the surrounding Campbellsville metropolitan area.

Question 5

What services does Taylor County Bank offer?

Accepted Answer

Taylor County Bank provides a full range of personal and commercial banking services with a specialization in commercial lending.

Personal Banking Services include multiple checking account options (Everyday Checking, First Class Checking, Hometown Advantage Checking), savings accounts, money market accounts, certificates of deposit, Christmas Club accounts, and specialized Kids Saver and Teens Saver Club accounts for youth banking education.

Commercial Banking Services focus on commercial lending, including business loans, commercial real estate financing, and other business banking solutions tailored to local business needs.

Digital Banking Services include the TCB Now mobile banking app with features such as mobile check deposit, bill pay, account transfers, balance alerts, debit card management, live chat with financial service representatives, and biometric security. The bank also offers online banking with bill pay, telephone banking, contactless debit cards, and e-statements.

Question 6

What makes Taylor County Bank unique?

Accepted Answer

Taylor County Bank distinguishes itself as the only locally owned and operated financial institution in Taylor County, maintaining a remarkable four-generation family leadership legacy spanning from 1937 to the present day.

The bank has been continuously led by the Miller family: founder J.C. Miller, Sr. (1937-1956), his son J.C. Miller, Jr. (1956-1970), grandson James C. Miller III "Big Jim" (1970-2007), followed by board member Henry Lee (2007-2017), and currently James C. Miller IV "Little Jim" (2017-present), who started as a teller and worked through nearly every department before becoming president.

This deep community commitment, combined with personal service values dating back to the bank's founding principles, creates a distinctive "hometown bank" experience. The bank emphasizes one-on-one customer relationships and maintains a philosophy of treating customers "the level of service we would want for our friends and our families."

Question 7

What type of financial institution is Taylor County Bank?

Accepted Answer

Taylor County Bank is a State-Chartered Commercial Bank with a specialization in commercial lending. As a state-chartered institution, it operates under Kentucky banking regulations and FDIC supervision as a non-member of the Federal Reserve System.

The bank's charter classification reflects its dual focus on serving both commercial business customers through its commercial lending specialization and retail customers through comprehensive personal banking services. This structure allows the bank to maintain its community banking model while providing sophisticated commercial banking solutions to local businesses.

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