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Agricultural Loans

There’s no denying that agriculture is the backbone of the communities we serve. At Exchange State Bank, we believe supporting local farmers is paramount to the success of our local economy. We offer ag loans to support the many financial needs of our farmers and to help their farming operations run smoothly and be prosperous.


Operating Lines of Credit

  • Get the cash you need to operate your farm, as you need it, and only pay interest on what you’ve used with flexible principal repayment to match your operation’s cash flow.

Equipment Purchases

  • Upgrade or replace your aging machinery and equipment, improve your efficiency or keep up with the latest technological innovations.  We can finance your equipment purchases over 3-, 5- or 7-year terms with flexible repayment options to choose from.

Livestock Loans

  • Restock your feedlot, expand your herd, or diversify your operation.

Farm Real Estate

  • Purchase a farm, refinance an existing mortgage or land contract, or put up a new structure all at competitive, long-term fixed interest rates.

Beginning Farmer Loans

  • America's next generation of farmers are supported through FSA's "Beginning Farmer" direct and guaranteed loan programs. Farm Ownership loans can provide access to land and capital. Operating loans can assist beginning farmers in becoming prosperous and competitive by helping to pay normal operating or family living expenses; open doors to new markets and marketing opportunities; assist with diversifying operations; and so much more.

Farm Service Agency

  • Exchange State Bank is a proud partner of the Farm Service Agency and has a long history of providing our farmers access to all of their loan programs as an approved local lender.