Grow your business with our agriculture lending team

With deep roots in Nebraska, Iowa and Minnesota we aspire to provide banking expertise that matters to all communities. While many people may know us for deposit accounts, business products, mortgage loans or even our community involvement, our ag bankers are proud to offer farmers and ranchers a full suite of specialized agricultural lending and services.

Five facts about our ag banking expertise:

1. Lending options tailored to you

No matter your need, we have a solution:

• Equipment notes
• Livestock notes
• Operating lines of credit and loans
• Long-term real estate notes to buy farmland (fixed rates up to 30 years)
• Farm Service Agency (FSA) guaranteed farm loans and FSA joint financing notes

2. Offering protection through crop insurance

Your crops are your livelihood. Over $5.8 billion in indemnities were paid to producers in 2020, and the National Crop Insurance Services (NCIS) reports that in 2022, 1.2 million crop insurance policies were sold in the United States, protecting 130 types of crops and 490 million acres with an insured value of $173 billion. Our bankers are here to help you make sure your crops and your business are protected.

3. Happy to do business at your kitchen table

Our agriculture clients are busy, and many of their businesses involve more than one stakeholder. When it’s time for annual reviews or loan closings, we understand it’s often easier if we come to you. This allows you to focus on your business and easily access information that might be missing. We believe in the power of relationships, so meeting your family or seeing your property gives us better understanding of all your needs.

4. Our industry connections make a difference

We’re active in the communities we serve. We have longstanding ties with real estate agents and brokers, equipment suppliers and other farmers or ranchers in the community. Our fingers are on the pulse of information and variables that may be useful to your business, like land that might be coming up for sale but isn’t listed yet. We’re also active in both the Nebraska and Iowa Banking Associations and can provide you with producer education and access to agriculture economists.

5. Flexibility and options

Income and operating expenses don’t always align on a farm. Capital is critical for yearly operating expenses like maintenance, fertilizer and seed. We can structure flexible payment schedules, offer lines of credit to supplement your variable cash flow and provide needed documentation for land auctions. Through our longer-term real estate notes (we offer fixed rates up to 30 years), you’ll have the flexibility for lower payments during less profitable years.

Let’s work together

With years of experience in the agriculture industry, we understand the hard labor and many intricacies that come with being a farmer or rancher. As a community bank, we strive to offer our neighbors what you need to grow your businesses ­— and your crops.

Together, we can do more. Reach out today to get started.

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