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Note 18 - Regulatory Matters - Regulatory Ratios of the Consolidated Company and Its Subsidiary Banks (Details) - USD ($)
$ in Thousands
Dec. 31, 2017
Dec. 31, 2016
Common Equity Tier 1 Risk-based Capital, actual, amount [1] $ 196,919 $ 187,474
Common Equity Tier 1 Risk-based Capital, actual, ratio [1] 16.56% 16.43%
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1] $ 53,500 $ 51,349
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1] 4.50% 4.50%
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, amount  
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, ratio  
Tier 1 Risk-based Capital, actual, amount [1] $ 229,419 $ 219,974
Tier 1 Risk-based Capital, actual, ratio [1] 19.30% 19.28%
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1] $ 71,334 $ 68,466
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1] 6.00% 6.00%
Tier 1 Risk-based Capital, to Be Well-capitalized, amount  
Tier 1 Risk-based Capital, to Be Well-capitalized, ratio  
Total Risk-based Capital, actual, amount [1] $ 239,234 $ 229,318
Total Risk-based Capital, actual, ratio [1] 20.12% 20.10%
Total Risk-based Capital, for Capital Adequacy Purposes, amount [1] $ 95,112 $ 91,288
Total Risk-based Capital, for Capital Adequacy Purposes, ratio [1] 8.00% 8.00%
Total Risk-based Capital, to Be Well-capitalized, amount  
Total Risk-based Capital, to Be Well-capitalized, ratio  
Tier 1 Leverage Capital, actual, amount [2] $ 229,419 $ 219,974
Tier 1 Leverage Capital, actual, ratio [2] 13.75% 13.20%
Tier 1 Leverage Capital, for Capital Adequacy Purposes, amount [2] $ 66,763 $ 66,656
Tier 1 Leverage Capital, for Capital Adequacy Purposes, ratio [2] 4.00% 4.00%
Ter 1 Leverage Capital, to Be Well-capitalized, amount
Tier 1 Leverage Capital, to Be Well-capitalized, ratio
United Bank [Member]    
Common Equity Tier 1 Risk-based Capital, actual, amount [1],[3] $ 165,488  
Common Equity Tier 1 Risk-based Capital, actual, ratio [1],[3] 14.05%  
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3] $ 53,004  
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3] 4.50%  
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3] $ 76,561  
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3] 6.50%  
Tier 1 Risk-based Capital, actual, amount [1],[3] $ 165,488  
Tier 1 Risk-based Capital, actual, ratio [1],[3] 14.05%  
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3] $ 70,671  
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3] 6.00%  
Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3] $ 94,229  
Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3] 8.00%  
Total Risk-based Capital, actual, amount [1],[3] $ 175,271  
Total Risk-based Capital, actual, ratio [1],[3] 14.88%  
Total Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3] $ 94,229  
Total Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3] 8.00%  
Total Risk-based Capital, to Be Well-capitalized, amount [1],[3] $ 117,786  
Total Risk-based Capital, to Be Well-capitalized, ratio [1],[3] 10.00%  
Tier 1 Leverage Capital, actual, amount [2],[3] $ 165,488  
Tier 1 Leverage Capital, actual, ratio [2],[3] 10.13%  
Tier 1 Leverage Capital, for Capital Adequacy Purposes, amount [2],[3] $ 65,365  
Tier 1 Leverage Capital, for Capital Adequacy Purposes, ratio [2],[3] 4.00%  
Ter 1 Leverage Capital, to Be Well-capitalized, amount [2],[3] $ 81,706  
Tier 1 Leverage Capital, to Be Well-capitalized, ratio [2],[3] 5.00%  
Farmers Bank and Capital Trust Company [Member]    
Common Equity Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 64,016
Common Equity Tier 1 Risk-based Capital, actual, ratio [1],[3]   16.53%
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 17,425
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   4.50%
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 25,170
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   6.50%
Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 64,016
Tier 1 Risk-based Capital, actual, ratio [1],[3]   16.53%
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 23,234
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   6.00%
Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 30,978
Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   8.00%
Total Risk-based Capital, actual, amount [1],[3]   $ 66,720
Total Risk-based Capital, actual, ratio [1],[3]   17.23%
Total Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 30,978
Total Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   8.00%
Total Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 38,723
Total Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   10.00%
Tier 1 Leverage Capital, actual, amount [2],[3]   $ 64,016
Tier 1 Leverage Capital, actual, ratio [2],[3]   9.80%
Tier 1 Leverage Capital, for Capital Adequacy Purposes, amount [2],[3]   $ 26,121
Tier 1 Leverage Capital, for Capital Adequacy Purposes, ratio [2],[3]   4.00%
Ter 1 Leverage Capital, to Be Well-capitalized, amount [2],[3]   $ 32,651
Tier 1 Leverage Capital, to Be Well-capitalized, ratio [2],[3]   5.00%
United Bank and Trust Company [Member]    
Common Equity Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 58,180
Common Equity Tier 1 Risk-based Capital, actual, ratio [1],[3]   15.54%
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 16,848
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   4.50%
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 24,337
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   6.50%
Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 58,180
Tier 1 Risk-based Capital, actual, ratio [1],[3]   15.54%
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 22,465
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   6.00%
Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 29,953
Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   8.00%
Total Risk-based Capital, actual, amount [1],[3]   $ 61,680
Total Risk-based Capital, actual, ratio [1],[3]   16.47%
Total Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 29,953
Total Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   8.00%
Total Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 37,441
Total Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   10.00%
Tier 1 Leverage Capital, actual, amount [2],[3]   $ 58,180
Tier 1 Leverage Capital, actual, ratio [2],[3]   12.38%
Tier 1 Leverage Capital, for Capital Adequacy Purposes, amount [2],[3]   $ 18,798
Tier 1 Leverage Capital, for Capital Adequacy Purposes, ratio [2],[3]   4.00%
Ter 1 Leverage Capital, to Be Well-capitalized, amount [2],[3]   $ 23,497
Tier 1 Leverage Capital, to Be Well-capitalized, ratio [2],[3]   5.00%
First Citizens Bank [Member]    
Common Equity Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 28,324
Common Equity Tier 1 Risk-based Capital, actual, ratio [1],[3]   13.56%
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 9,401
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   4.50%
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 13,580
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   6.50%
Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 28,324
Tier 1 Risk-based Capital, actual, ratio [1],[3]   13.56%
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 12,535
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   6.00%
Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 16,714
Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   8.00%
Total Risk-based Capital, actual, amount [1],[3]   $ 29,590
Total Risk-based Capital, actual, ratio [1],[3]   14.16%
Total Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 16,714
Total Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   8.00%
Total Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 20,892
Total Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   10.00%
Tier 1 Leverage Capital, actual, amount [2],[3]   $ 28,324
Tier 1 Leverage Capital, actual, ratio [2],[3]   9.76%
Tier 1 Leverage Capital, for Capital Adequacy Purposes, amount [2],[3]   $ 11,606
Tier 1 Leverage Capital, for Capital Adequacy Purposes, ratio [2],[3]   4.00%
Ter 1 Leverage Capital, to Be Well-capitalized, amount [2],[3]   $ 14,507
Tier 1 Leverage Capital, to Be Well-capitalized, ratio [2],[3]   5.00%
Citizens Bank of Northern Kentucky, Inc [Member]    
Common Equity Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 24,661
Common Equity Tier 1 Risk-based Capital, actual, ratio [1],[3]   15.24%
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 7,280
Common Equity Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   4.50%
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 10,516
Common Equity Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   6.50%
Tier 1 Risk-based Capital, actual, amount [1],[3]   $ 24,661
Tier 1 Risk-based Capital, actual, ratio [1],[3]   15.24%
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 9,707
Tier 1 Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   6.00%
Tier 1 Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 12,942
Tier 1 Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   8.00%
Total Risk-based Capital, actual, amount [1],[3]   $ 26,534
Total Risk-based Capital, actual, ratio [1],[3]   16.40%
Total Risk-based Capital, for Capital Adequacy Purposes, amount [1],[3]   $ 12,942
Total Risk-based Capital, for Capital Adequacy Purposes, ratio [1],[3]   8.00%
Total Risk-based Capital, to Be Well-capitalized, amount [1],[3]   $ 16,178
Total Risk-based Capital, to Be Well-capitalized, ratio [1],[3]   10.00%
Tier 1 Leverage Capital, actual, amount [2],[3]   $ 24,661
Tier 1 Leverage Capital, actual, ratio [2],[3]   10.68%
Tier 1 Leverage Capital, for Capital Adequacy Purposes, amount [2],[3]   $ 9,234
Tier 1 Leverage Capital, for Capital Adequacy Purposes, ratio [2],[3]   4.00%
Ter 1 Leverage Capital, to Be Well-capitalized, amount [2],[3]   $ 11,543
Tier 1 Leverage Capital, to Be Well-capitalized, ratio [2],[3]   5.00%
[1] Common Equity Tier 1 Risk-based, Tier 1 Risk-based, and Total Risk-based Capital ratios are computed by dividing a bank's Common Equity Tier 1, Tier 1, or Total Capital, as defined by regulation, by a risk-weighted sum of the bank's assets, with the risk weighting determined by general standards established by regulation.
[2] Tier 1 Leverage ratio is computed by dividing a bank's Tier 1 Capital by its total quarterly average assets, as defined by regulation.
[3] In February 2017, the Company merged United Bank & Trust Company, First Citizens Bank, Inc., and Citizens Bank of Northern Kentucky, Inc. into Farmers Bank & Capital Trust Company in Frankfort, KY, the name of which was immediately changed to United Bank & Capital Trust Company.