Cultivate growth with expert agricultural financing
At Citizens State Bank, we understand agriculture and the importance of farming for our communities. We have been lending to local farmers and ranchers for more than a century, through both good times and bad. Our agricultural lenders understand the unique needs of farmers and ranchers.
Let us help you with affordable financing so you can focus on farming. Contact your local Citizens State Bank location to discuss your needs with an agricultural lending representative today.
Agricultural Real Estate
Purchasing land is a major decision for any operator, which is why Citizens State Bank's knowledgeable lending team is here to help. Our lenders have the expertise and understanding necessary to provide you with a loan perfectly tailored for your operation. We offer flexible terms and reasonable rates combined with excellent service. Closing costs only further increase the price of land, so it is a priority for us to keep closing costs low. Your loan will be originated at your local branch and maintained by the same lending staff.
Machinery and Equipment
When the time comes to upgrade your current equipment or expand your fleet, Citizens State Bank is here to help every step of the way. Our lending staff can assist you throughout the transaction, allowing you to purchase your equipment from any source and negotiate the purchase as a cash buyer. Our flexible terms, competitive rates, and quick turn-around time will ensure your financing and purchasing experience is as smooth as possible.
Agricultural Products and Production
We understand the costs of raising livestock and growing crops that feed the world. Our experienced lenders can provide you with flexible and competitively priced loans to meet your specific needs. We will also structure your loan to allow seamless and easy movement of funds between your loan and your checking account as you need it.
4-H and FFA Loan Program
Citizens State Bank is dedicated to serving the needs of all agricultural customers, including those just starting their farming operations. Many of our loan officers are not only experienced farmers and ranchers themselves but also former participants in youth agricultural programs. They can offer valuable insights and financial advice to help young agriculturalists succeed in their farming projects.
Grow your Business
Local decisions, quick service.
Whether you're purchasing commercial real estate, upgrading equipment, or covering operating costs, we can provide custom financing to help your business thrive.