Agricultural Loans
Loans may include improved or unimproved properties
Unique financing available
Fixed and variable rates
Personal service
Our loan officers who know the farming business
Our commitment to agriculture is reflected in the long-term partnerships with our banking customers. We are renowned for our strong agricultural lending and we enjoy the benefit of working with many great farm operations no matter what the size.
We have the experience and products to help you with every aspect of your farming business. We understand that every person who walks through our door has a unique situation. Our experienced Ag loan officers take the time to evaluate your needs. Our service is truly personalized.
Conventional Loans
| Farm Real Estate Mortgage | (long term): 10 to 25 year loans with either fixed or variable interest rates Monthly, quarterly, semi-annual or annual repayment schedules |
| Equipment or Broodstock Loans | (intermediate term): 3 to 7 year loans Monthly, quarterly, semi-annual or annual repayment schedules |
| Annual Operating Lines of Credit | Credit to finance annual input costs |
Unconventional Loans
| Unconventional Loans FSA Guaranteed Loans (Farm Service Agency) | Agricultural credit available to farmers who need more creative financing options. Can be used to purchase farmland, broodstock and equipment. Can also be used for annual operating needs, to make improvements or to restructure debt. |
| Farmer Mac I Loans | Another financing source for real estate farm property to qualifying farmers |
| Agri-Access Farm Loans | Additional source of funding available through The Bath State Bank which offers fixed and variable rates to help with your agricultural credit needs: Farm real estate, Operating lines of credit, Equipment leasing |
Bath State Bank has acquired Preferred Lender Program status under U.S. Department of Agriculture — Farm Service Agency. The Preferred Lender Program, or PLP, is the top status that a lender can hold in the Farm Service Agency (FSA) Guaranteed Loan Program. The program allows us to help many more farmers purchase land, equipment and livestock, and assist them through difficult times with the help of this program.