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Agriculture Loans

First Citizens State Bank has strong roots in the rural communities we serve. Which is why we are proud to offer a wide range of agriculture loans. Our staff recognizes the volatility and rewards of the agriculture industry. We will invest our time to learn about your operation and structure a loan that fits your specific needs. We understand what it takes to manage a farm, or other ag-based business. Whether you are looking to cover operating expenses, buy a farm, or upgrade your equipment, contact us today and let us know how we can put our experience to work for you!


Operating Loans

We realize crop and livestock production expenses are substantial and must often be paid long before you receive any income. Let us help you gain access to working capital when you need it most. With flexible options such as a revolving line-of-credit or single maturity notes, our operating loans make it easier to manage your cash flow.

  • Crop input expenses
  • Feeder cattle / livestock purchases
  • Other short-term farm related needs

Equipment & Other Term Loans

Our equipment and term loans are designed specifically for ag and farm purposes. Whether it’s time to purchase cows or upgrade machinery, our experienced staff will guide you through the lending process.

  • New or used machinery
  • Grain bins
  • Farm vehicles
  • Machine sheds
  • Irrigation equipment
  • Conservation, tiling and terracing
  • Breeding livestock
  • Other farm related purposes

Real Estate Loans

If you are considering buying a farm or wanting to refinance an existing ag real estate loan, our experienced staff will provide you with insight and assistance throughout the entire process. We offer flexible payments for:

  • Farm purchases
  • Ag real estate loan refinancing
  • Farm equity loans
  • Farm improvements

Farm Service Agency (FSA) Guaranteed Loans

We are an approved Farm Service Agency, (FSA) lender and are able to provide excellent lending options and enhancements utilizing an FSA guaranty. FSA loan programs assist family farmers to obtain loans at reasonable terms to buy farmland or finance agriculture related ventures.


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