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Kansas farmers are helping feed the World with their bountiful production and we are proud to be a part of that effort. Ag financing from THE BANK allows you to concentrate on what you do best while being secure in the knowledge that you have someone behind you that knows your business.

THE BANK's forte is developing and following through on financing programs for farmers and ranchers. With our experience and expertise, we can help make the difference in your operation:

  • 38 years of experience in agricultural banking
  • Many employees have a farm/ranch background
  • Chairman of the Board carries a Master's degree in Animal Nutrition from U of CA, Davis campus
  • FSA "preferred" lender status

We have the financing programs to cover your operation from start to finish. Our superb "Beginning Farmer" program can help new farmers make their first land purchase a reality. Underwritten by the Kansas Development Finance Authority, this program can provide better terms and rates to qualified beginning farmers.

THE BANK also offers real-estate mortgages with the following features:

  • Ten to twenty year term
  • Adjustable APR tied to the New York Prime
  • Available FSA guarantee for qualified borrowers

If you need help with a farm machinery or equipment purchase, we have those types of loans as well:

  • 3 to 7 year terms
  • Fixed or variable APR
  • Annual, semi-annual, quarterly, and monthly payment options

Once you're out in the field, we can provide a Line-Of-Credit operating loan to keep you moving:

  • One year term
  • Immediately variable APR tied to the New York Prime
  • Available FSA guarantee for qualified borrowers
  • Also can be used for stocker/feeder cattle purchases

For qualified borrowers, an FSA guaranteed farm ownership or operating loan offers advantages of competitive rates and lower collateral requirements. As an FSA preferred lender we can help move these types of loans through with significantly reduced requirements for paperwork. This greatly reduces the time it takes the FSA to process these loans and allows you to spend more time in the field.

Historically, we have been the top or runner-up for submissions of FSA loans for Kansas banks. We do our own applications, with little cost to the applicant. We don't send you to a professional, we're the professional.
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Disclaimer: Loans will be considered to all persons and entities in the trade area on the basis of credit worthiness without regard to race, color, religion, national origin, sex, age (provided the applicant has the capacity to enter into a binding contract), receipt of income from public assistance programs, or the good faith exercise of any right provided by the Consumer Credit Protection Act.
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