Agricultural Loans

Unloading soybeans in a red hopper wagonOur 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.

Call us at 765-732-3022 or 800-463-7464. Our service is truly personalized.

A few quick notes about our Ag program:

  • Loans may include improved or unimproved properties
  • Multiple financing options available
  • Fixed and variable interest rates
  • Personal service
  • Our loan officers know the farming business

Conventional Loans

Farm Real Estate Mortgage

(long term): Up to 20 years fixed rate and up to 30 years on select programs. Monthly, quarterly, semi-annual or annual repayment schedules

Equipment or Broodstock Loans

(intermediate term): 3 to 5 year loans; Up to 7 years on some equipment. Monthly, quarterly, semi-annual or annual repayment schedules

Annual Operating Lines of Credit

Credit to finance annual input & operating costs

Unconventional Loans

Unconventional Loans FSA Guaranteed Loans (Farm Service Agency)

Agricultural credit available to farmers who need more financing options; for up to 95% financing with flexible terms; can be used to purchase farmland, broodstock and equipment.

Can also be used for annual operating needs, to make improvements or to restructure debt.

Young Farmer/Beginning Farmer Programs

Helping beginning or young farmers purchase real estate


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.

We now offer crop insurance through Bath Insurance Group. Please call to speak with Anya or visit the web site at