We’ve been serving farmers since 1898

At Farmers State Bank, we are committed to your success as well as the success of our communities.  Our ag lending staff speaks your language, and understands the differences between agricultural operations and other commercial industries. Whether your operation is large or small, our knowledgeable ag lending staff is here to help you.

Farm Real Estate Loans

With Farmers State Bank, you can originate real-estate secured agricultural loans to farmers and ranchers.  We offer competitive interest rates with flexible terms so you can purchase farm land, make improvements, or refinance existing debt.

Ag Operating Lines of Credit

A farm operating loan or line of credit is revolving debt that can be borrowed and paid back to fund the yearly operating costs of farm operations. With this product, we can help a farm operation manage its working capital and maintain adequate cash on hand.

Crop Production Loans

We can help you start, improve, expand, transition, market, and strengthen family farming and ranching operations with our Crop production loans.  This seasonal borrowing for crop production and harvest expenses is normally structured with maturity dates to coincide with planned commodity sales.

Livestock Loans

Choosing to expand or change your livestock operation is a complex financial business decision. At Farmers State Bank, we understand the issues and challenges farmers face and will work with you to find the solutions necessary to help you succeed.

Cow/Calf loans for cattle purchases are generally structured on annual payments with payment dates to coincide with expected calf sale dates. Annual renewable lines of credit are also available to cover seasonal borrowing needs for ranch related operating expenses.  Stocker/Feeder cattle and hog loans can either be structured on individual notes to cover your specific programs or an annual renewable line of credit can be established. Feedlot cattle and Fat hog loans can either be structured to cover your specific program or annual renewable line of credit loans can be established.

Equipment Loans

Equipment loans are designed to get you the equipment you need now so your business can continue to run smoothly.  Borrow funds for new or used tractors and equipment, grain bins, buildings, farm improvements, and farm trucks and vehicles — all at a rate option that fits the needs of your operation

Farm Service Agency (FSA) Guaranteed Loans

FSA Loans are guaranteed by the United State Farm Service Agency.  Loans are available for applicants who operate family-sized farms.  These loans must meet certain criteria to be eligible for guarantee.