Farm Start-Up Loans

Do you want to start up a farm, but have financial questions? We can help!

We're Here for Beginning Farmers

Between our services and government programs, almost anyone can become their own boss and run their own business - in agriculture!

Top Lender in Iowa

We consistently rank as a top 100 farm lender nationally; 6th largest in the state of Iowa among community banks.**

Competitive Rates

We specialize in Agricultural loans, offering competitive rates.

Experienced Team

Your success is our success; if times are tough, we'll help you find a solution.

Government Programs

The first step to owning your own farm is stopping in and sitting down with one our Agriculture Professionals.

If you aren't able to qualify for traditional bank loans to start your farm, government agencies such as the U.S. Department of Agriculture (USDA) Farm Services Agency (FSA) and Iowa Agriculture Development Division may be able to help. And if you turn to a government program for help, we'll still be here for you, guiding you in the right direction and helping you through the application process.

General Government Program Information Overview

  • Required Down Payments are lower than traditional bank loan requirements
  • Better terms & rates may apply
  • Applicants must be at least 18 years old
  • Cannot presently or previously have owned a significant amount of farmland
  • Must be the operator of the farm
  • Must have training or background in production agriculture
  • Must have access to equipment necessary to operate the farm/project


**Source: American Bankers Association. FDIC, Data as of 3Q 2023.

Agriculture Amortizing Loan Calculator

Calculator is provided as-is solely to estimate potential rates, fees, and costs. Calculator is made available as a self-help tool and examples are hypothetical. Calculator is not intended to provide investment or tax advice.

Meet our Agricultural Loan Officer Team

Chad Fritz

Luana Branch

NMLS #504858

Kiel Fritz

Luana Branch

NMLS #713511

Geordan Hanson

Luana Branch

NMLS #1631457

Steve Ruzicka

Luana Branch

NMLS #504862

Brad Hertges

Ossian Branch

NMLS #504865

Carol Jensen

Ossian Branch

NMLS #504867

Ben Larson

New Hampton Branch

NMLS #1625057

Adam Zeien

New Hampton Branch

NMLS #1520271

Ray Swartz

Polk City Branch

NMLS #504869

Josh Williams

Clive Branch

NMLS #1021521

Ryan Richardson

Norwalk Branch

NMLS #1142570

Contact us for interest rates in your area.

Mobile Banking

Take care of business from anywhere.

Pay bills, deposit checks and quickly handle other financial matters with your smartphone or tablet.