First Breckinridge Bankshares is a holding company that operates First State Bank, West Point Bank, Bank of Clarkson and River City Bank. The company serves the residents of Breckinridge, Hardin, Grayson and Jefferson counties in Kentucky. River City Bank is a locally owned and operated community bank that provides a range of financial products and related services for individuals and businesses. It offers checking and savings accounts, as well as certificate of deposits. The bank additionally provides individual retirement account, as well as investment options in the money market. It also offers personal and commercial loans for home improvement, new construction, real estate development, and vehicle and equipment purchase. The bank operates a network ATMs. In addition, it provides online banking, account information and fund transfer services. River City Bank is a member of the Federal Deposit Insurance Corporation.