Citizens Commerce Bancshares, Inc. operates as the bank holding for Citizens Commerce Bank that provides banking products and services. The company accepts checking, savings, retirement, and money market accounts. Its loan products include personal, automobile, mortgage, home equity, commercial, and real estate loans. The company also offers debit and credit cards; and cash management, remote deposit capture, merchant, night depository, bill pay, wire transfer, safe deposit boxes, overdraft, and online and mobile banking services. It operates five full service locations, including two in Versailles, one in Frankfort, one in Nicholasville, and one in Lexington. Citizens Commerce Bancshares, Inc. was founded 1996 and is headquartered in Versailles, Kentucky. As of March 10, 2023, Citizens Commerce Bancshares, Inc. operates as a subsidiary of City Holding Company.