Agriculture – Loans & Financing


Farmers & Merchants State Bank values agriculture and recognizes the vital role farmers play every day in our local economy. We understand your business and its ups and downs. We have the experience and capacity to meet your farm's financing needs. We are dedicated to providing friendly service that is both timely and competitive so give us a call or stop in and let us customize our lending products to fit your unique needs.

Some of the financing products we offer include:

Lines of Credit

Farmers & Merchants State Bank can provide your farm with a Line of Credit to finance your operating needs. We understand how having credit when you need it gives you the flexibility needed in your competitive business.

Equipment Financing

When it's time to purchase new equipment come to Farmers & Merchants State Bank. We offer fixed and variable rate loans at competitive rates. Before you look to the manufacturer for financing, give us a call.

Real Estate and Construction Loans

If you are purchasing real estate or building new livestock or storage facilities, Farmers & Merchants State Bank can finance your expansion. We offer competitive rates and will provide timely and local service. No project is too big or too small.

FSA Guaranteed Loans

Farmers & Merchants State Bank works closely with the Farm Service Agency to offer guaranteed loans to select agricultural customers.  FSA guaranteed loans are available for annual operating expenses, equipment and livestock purchases, and farm ownership.

Farmer Mac

Farmers & Merchants State Bank has the ability to offer you long-term, fixed-rate real estate loans using the Farmer Mac program. Financing is available for farmland purchases, improvements, and agricultural business ventures. Fixed rate loans for up to 25 years are available for qualified borrowers.

Rural Finance Authority

Farmers and Merchants State Bank has the ability to partner with the RFA to provide affordable credit to eligible farmers. The RFA offers loan programs to farmers for agricultural related improvements, for livestock production facilities, to reorganize agricultural related debt, and to beginning farmers for the purchase of agricultural land.