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Agricultural Banking

Showing up with boots on is how we do business.

Agriculture Loans and Lines of Credit from a Top Ag Lender.

Being one of the largest independently-owned banks has served our Agribusiness clients well. When the Agribusiness industry requires flexibility and immediate decisions, we’re empowered to take action. For both the daily challenges that need immediate answers and the things that matter beyond making a profit, we’re with you for the long haul. We can do what a small bank can’t and what a big bank doesn’t.

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Cows lined up to eat

Lines of Credit

Operating Lines of Credit

We know that sometimes your capital doesn’t line up with your need to move business forward. With our convenient line of credit options, we put the purchasing power in your hands with easy to access funds to maximize working capital and the profitability of your operation. Some common uses of an Operating Line of Credit may include:

  • Funding seasonal build-up fluctuations in inventory
  • Assisting in the timing differences of collecting your receivables
  • Taking advantage of vendor discounts
  • Meeting unexpected cash needs
  • Livestock Purchasing
  • Grain or Seed Purchasing

Feeder Finance Lines of Credit

A Feeder Finance Line of Credit provides an avenue for commercial feedlots to attract customers and act as a financing intermediary. As the feedlot, you execute a note, security agreement and financing statement with your customer. In turn, the bank takes assignment of the documents between you and your customer and provides you with the funds necessary to complete the transaction.

Farmers in their field

Term Loans

Machinery & Equipment

Your industry is fueled by state of the art livestock and crop production equipment, grain processing machinery and the latest technology innovation that will help you better manage and grow your business. With a personalized lending approach, your Relationship Manager can help customize a solution that will allow you to gain the tools you need to operate more efficiently and meet your bottom line goals.

  • New or used equipment and machinery
  • Technology upgrades
  • Tractors, tillage and planting equipment
  • Cattle and feed yard needs
  • Seed and grain processing equipment

Ag Real Estate and Facility Loans

Whether it’s an 80 acre plot of land to plant your first crop or a 50,000 acre spread to run 10,000 head of cattle, we can finance or refinance property, land improvements, buildings and facilities. Take advantage of business growth opportunities with a high level of service and lending terms personalized to meet your needs.

  • Land purchase or refinance
  • Operation expansions
  • Facility purchase 
  • Land improvements

Tailored Agribusiness Solutions & Services

Treasury Management

The Ag industry is reliant upon managing costs, maximizing cash flow and staying focused on long-term goals. Our Treasury Management team can help.

International Banking

Our Global Banking team understands the complexities of the Ag industry and can help you easily navigate your international business and transaction needs.

Commercial Card

Whether you're purchasing supplies or equipping employees to streamline their business expenses, our card programs can be customized to support your needs.

Syndicated Loans

We specialize in custom loan syndication services for borrowers whose credit needs require a multibank credit solution. Each loan execution is customized to support your company’s short and long-term goals.

Connect with our Ag Lenders


FNBO Agribusiness “Story of Ag”

In our 160-year history, we’ve seen change before, and we’ve helped our Agribusiness partners succeed through it all. It requires a deeper level of understanding and the ability to put knowledge into action. When it comes to our Ag clients’ success, there’s no detail too small.

But don’t take it from us. Let our customers tell you.