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First State Bank & Trust has a history of supporting Agriculture and Ag Producers for over 100 years. Our Ag Lenders come from farming and ranching communities and understand an industry with unpredictable seasons and fluctuating commodity prices. Let us provide the expertise to tailor the right type of Ag Financing for the success of your farming operation or agribusiness.
Agriculture
First State Bank & Trust has a history of supporting Agriculture and Ag Producers for nearly 100 years. Our Ag Lenders come from farming and ranching communities and understand an industry with unpredictable seasons and fluctuating commodity prices. Let us provide the expertise to tailor the right type of Ag Financing for the success of your farming operation or agribusiness.
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Ag Real Estate Loans
Through the ups and downs of unpredictable weather and a tough Ag economy, First State Bank & Trust is the consistent financial partner you need and your first choice in Ag Real Estate Lending. Our experienced Ag Lenders will work closely with you to build the best financing package possible for your project. We will structure a real estate loan to meet your individual needs and can provide many different terms and options, including long term fixed rate financing. Additionally, we partner with FarmerMac to be able to provide the most competitive long term financing available.
We specialize in the following:
- Farm or Ranch Purchase/Refinance
- Refinance Owner Financed Real Estate (Contract for Deed)
- Young Farmer Loans
- Land for Hunting or Recreational Use
- Barn or Shop Construction
- Farm or Ranch Land for Investment Purposes
- Rural Residence Financing (Purchase/Refinance)
- Commercial Properties for Agribusiness (Feed Lot, Fertilizer Plant, etc.)
- Farmer Mac Loans
- 1031 Exchange
Ag Equipment & Operating Loans
With deep roots in Kansas banking dating back to 1893, we have financed all manner and type of Ag tools, equipment and inputs through the years. Let us help with your modern equipment and input needs.
Some types of loans we offer:
- Farm Equipment and Vehicles – Up to 100% financing on purchases
- Input Loans – For annual crop expenses
- Crops – Cash crops or crops to feed your livestock
- Financing for Agribusiness
- Operating Loans and Lines of Credit – To help manage cash flow for your farm or ranch
- Credit Cards for Farm Use
Loans can be structured in many different forms depending on your cash flow. Some different types of payment options include:
- Term loans with fixed payment schedule
- Advancing loans with flexible or advance options
- Revolving lines of credit
- Fixed or variable rates
Ag Leases
Leasing equipment or facilities is a smart alternative to traditional financing and offers many advantages to Producers. Some benefits of a lease include:
- Tax deductibility
- Streamlined documentation
- Flexible repayment schedules
- Payments matched to cash flow
- Preservation of working capital
- Flexible end of lease options
Livestock Loans
The Midwest has a long tradition of sustaining livestock operations and First State Bank & Trust has a history of supporting producers in our communities for many years. Whether you have a family farm and are helping a son or daughter purchase their first 4-H calf, or run a large commercial operation, or are challenged with fine-tuning the genetics in your purebred herd, we can help with the right type of loan for your enterprise.
- Beef Cattle
- Cow/Calf Operations
- Stockers
- Feedlots
- Dairy Cattle
- Swine
- Sheep
Loans can be structured in many different forms depending on your cash flow. Some different types of payment options include:
- Term loans with fixed payment schedule
- Advancing loans with flexible or advance options
- Revolving lines of credit
- Fixed or variable rates
Ag Partners
Farm Service Agency - We partner with our local Farm Service Agency (FSA) to provide farmers and ranchers the opportunity to start, expand or strengthen family farming and ranching operations utilizing the many useful FSA programs. In addition to traditional Ag producers, there are targeted FSA programs for beginning farmers, minority farmers and women producers. FSA can also be a valuable resource for alternative farming methods and for value-added, direct sale, organic, and specialty crop operations. Talk to one of our Ag Lenders today for assistance navigating the varied FSA lineup.
Farmer Mac – Farmer Mac helps First State Bank & Trust provide access to flexible, low-cost financing to members of our rural community. We have access to Farmer Mac’s full suite of products including long-term fixed rate loans that many of our competitors are not able to offer. Through Farmer Mac we are able to offer you low variable rates from 1-month to 15 years in addition to fixed rate amortizations up to 25 or 30 years. And you deal with us, your local community bank lender, either in our local office or right there on the farm, where you’re accustomed to taking care of business.
The Trust Department at First State Bank & Trust – Our local trust professionals can help preserve what you and your family have worked so hard to build. Let us assist with the care and management of your assets. Our sole responsibility as trustee or administrator is to see that your wishes are carried out responsibly and with the greatest care and diplomacy as possible. Our expertise can help with the following:
- Maximize farm assets and/or income.
- Provide professional asset management.
- Ensure a secure retirement.
- Assist with a succession plan for your family farm.
- Reduce estate taxes.
- Take care of loved ones.
- Pay bills.
- Give to charity.
- Avoid probate.
- Ensure privacy during estate settlement.
Ag Online Solutions
Interested in Online Banking for your AgriBusiness? Or maybe Cash Management Services? Click below to learn more about all the Online Solutions we offer.
Ag Online Solutions
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