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At CS Bank, agriculture runs deep. We don't just finance farms; we live in farm communities, partner with producers, and we truly understand the ups and downs firsthand.
That's why our Ag Lending team is built around relationships, flexibility, and
real experience.
From cattle and poultry operations to land, equipment, and everything in between, CS Bank offers customized ag lending solutions to help your farm or agri-business grow strong, season after season.
Your Operation. Our Financing.
Let's grow together, keep scrolling to learn more!
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Ag Real Estate
Whether you run a small farm or a large operation, CS Bank is here to help you find a loan that fits your needs, with the personalized service you deserve.
Looking to purchase new equipment? Thinking about refinancing your current farm loan? Our experienced ag lenders know that every operation is different. We'll work with you through the entire loan process to make you feel confident and informed every
step of the way.
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Livestock
Our livestock loan program helps take the uncertainty out of buying livestock. With dependable guidance and competitive rates, CS Bank delivers what matters most to our ag customers - trusted support when it counts.
We'll work with you to structure your loans around your specific livestock purchases or seasonal needs, so you can buy when the timing is right. Our experienced ag lending team is here to provide right-sized solutions that match the pace of your operation.
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Poultry
Our dedicated poultry team brings decades of combined experience in the ag industry. We understand your business - from construction bids to receiving birds - and we're here to guide you every step of the way.
Looking to upgrade your poultry operation? A poultry house retrofit can make a big impact. From new feeders and advanced controllers to ventilation improvements and energy-efficient lighting, we'll help you identify the upgrades that move your farm forward.
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Equipment
If your tractor has tilled its last turn, you need another cake machine, or you're ready to upgrade some of your grandfather's third-generation equipment, CS Bank is here. We offer flexible terms and options on farm equipment loans to fit your operation and keep you moving.
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Operating Lines of Credit
With deep roots in ag, CS Bank understands the economic cycles and unique demands that impact farming communities. We're here to support your operation with lines of credit, ag real estate loans, equipment loans, and more.
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FMAC Loans
In addition to our own financing options, CS Bank also originate and services real estate loans through Farmer Mac, which provides growers with choices for long term fixed rate loans. These loans have competitive rates and no prepayment penalties.
Farmer Mac is the nation's premier secondary market for agricultural credit, increasing the availability and affordability of financing for those in the agricultural community. They are committed to offering financial solutions that benefit American agriculture and rural communities.
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SBA Ag Loans
In addition to Farmer Mac, CS Bank also offers loans through the Small Business Administration (SBA). The SBA guarantees loans to help businesses that wouldn't typically qualify for a conventional loan, make it easier for ag businesses that are just starting up to obtain financing. Let CS Bank match you with the right loan for your farm's needs.
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FSA Loans
Similar to SBA loans, guaranteed through the Farm Service Agency (FSA), allow us to make agricultural credit available to farmers who do not meet the normal underwriting criteria. FSA loans have the option of no down payment and offer lower rates and better terms. Farmers and ranchers apply with us, then CS Bank works directly with FSA to assist in the necessary paperwork for the guarantee.