FDIC-Insured - Backed by the full faith and credit of the U.S. Government
AGRICULTURE LENDING
Looking for access to capital to grow your farming operation? Citizens First Bank (CFB) is here to help with our comprehensive agricultural lending services for Iowa and NW Illinois. We offer a variety of options, including agriculture real estate, crop production loans, livestock loans, and equipment loans, as well as special programs designed for young farmers.
In addition to our lending services, we offer a range of resources and tools to help you manage your finances effectively. This includes digital banking services, budgeting tools, and educational resources.
Contact us to learn more!
AG LENDING TEAM
Our dedicated agriculture lending team is here to guide you through the loan application process and help you understand the eligibility requirements. As a bank that has been serving farmers for generations, we understand the unique challenges that farmers face, and we are committed to providing personalized service and financial solutions to help you thrive. At CFB, we recognize that every farm operation is unique, and we look forward to connecting you with the resources you need to succeed.
KEITH HOOK
NMLS 507340
KEITH HOOK
Executive Vice President
NMLS 507340
Office: 563.519.0634
KELLY GOODSMAN-SMITH
NMLS 2440966
KELLY GOODSMAN-SMITH
Commercial/Ag Lending Officer
NMLS 2440966
Office: 563.241.4922
Chase Burken
Chase Burken
Jr. Ag Credit Analyst
Office: 563.296.4753
AG LOANS
AG REAL ESTATE TERM LOANS
AG REAL ESTATE TERM LOANS
AG REAL ESTATE TERM LOANS
AG REAL ESTATE TERM LOANS
Loans secured by Agriculture Real Estate
- Bare Farm Ground
- Livestock Facilities
- Agricultural Storage Facilities
- Machine Sheds
- Grain Bins
AG EQUIPMENT TERM LOANS
AG EQUIPMENT TERM LOANS
AG EQUIPMENT TERM LOANS
AG EQUIPMENT TERM LOANS
Loans to purchase/secured by livestock
- Tractors, Implements, etc.
- Generally set up for a maximum of 5 years depending on age of equipment
AG LIVESTOCK TERM LOANS
AG LIVESTOCK TERM LOANS
AG LIVESTOCK TERM LOANS
AG LIVESTOCK TERM LOANS
Loans to purchase/secured by Farm Equipment
- Cows, Bulls, Sows, Boars, Sheep, Goats, etc.
- Generally set up for 5 years depending on age of livestock.
AG REVOLVING LINES OF CREDIT
AG REVOLVING LINES OF CREDIT
AG REVOLVING LINES OF CREDIT
AG REVOLVING LINES OF CREDIT
Crop Lines
- Line of Credit to fund the purchase of products to produce the crop (Crop, Soybeans, Alfalfa, etc)
- Market Livestock Lines of Credit to fund the purchase of livestock to raise and re-sell later.
FARM SERVICE GUARANTEE LOANS
FARM SERVICE GUARANTEE LOANS
FARM SERVICE GUARANTEE LOANS
FARM SERVICE GUARANTEE LOANS
- Beginning Farmer and Rancher Program FSA guarantees the loan and CFB finances and provides the funding
- Guaranteed Farm Loans can be Term Loans or Revolving Lines of Credits
YOUNG ENTREPRENEUR LOANS
YOUNG ENTREPRENEUR LOANS
YOUNG ENTREPRENEUR LOANS
YOUNG ENTREPRENEUR LOANS
Citizens First Bank can help you get started on your plans today.
You are the next generation of our community farms and businesses.
I WANT TO BE A FARMER!
Financial Calculators
Loading Calc
Personal Financing
Select your financial calculator below to begin.
One or more of the fields is not filled out.
The date you have entered is invalid!
The amount of time is too large to compute!
The amount is too large to compute!
Percentages cannot exceed 100
Your down payment exceeds the home price
Borrowing
Based on your financial details, the borrowing calculator determines how much money you can feasibly borrow and pay back.
Loan Payments
Determines the payment on a loan with a fixed rate.
Calculator Information
The monthly payment calculated factors in both the principal and interest. It does not factor in other mortgages costs such as annual property tax, HOA fees, PMI, etc.
Calculator Disclaimer
These financial calculators are made available as tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek advice from qualified professionals regarding personal finance issues.
NECESSARY DOCUMENTS TO APPLY FOR AN AGRICULTURAL LOAN
- Current Balance Sheet (Shows what you have in assets, and debts)
- Previous years cash flows (Generally come from tax documents of prior years)
- This is used to show your ability to operate and cash flow the operation.
- Projected cash flow for the coming year
- This is used to determine what you feel is your best guess of what the year ahead will look like in terms of cash flow to pay expenses, debts & family living expenses.
Providing these documents to apply for a loan does not guarantee a loan approval.
FILL OUT THE FORM TO APPLY
After we receive your application, we’ll contact you to finalize the application process. The below form is not considered a full loan application.
AG RESOURCES LINKS
OUR AG LOAN SERVICE AREA
We serve agricultural customers in Clinton County and surrounding counties in Iowa and Illinois. Select each pin on the map to explore.