We know our farmers and understand the complexities of farming.

In agricultural lending, experience counts, and our lenders have that experience.

As changes occur in agriculture, our loan officers at HomeTown Bank are able to keep up with change and provide the assistance needed in helping our customers and manage change and growth.

We provide long-term and short-term loans for operating and equipment needs, at competitive rates.

Equipment Funding

Provides financing for new or used machinery and equipment needed in the agricultural industry including crop and livestock production.

Crop Production / Farm Operating Loans

Sustainable crop production is a way of growing or raising food in an ecologically and ethically responsible manner. HomeTown Bank wants to help our farming community by providing the financing for expenses in the normal course of a crop cycle, such as:

• Fertilizer, seed, herbicides, and any other cost of producing a crop
• Harvesting costs
• Crop Inputs
• Capital Machinery
• Feed
• Grain storage facilities
• General operating expenses
• Repairs

Agribusiness Credit

Agribusiness is the business of agricultural production. The part of the economy that is devoted to the production, processing, and distribution of food.

• Agribusiness enterprises including corn, soybean, cattle, hogs, and others
• Construction or purchase of agribusiness facilities and/or property
• Expansion of agribusiness enterprises
• Short-term loans for operating and equipment needs, including revolving lines of credit

Real Estate Lending

Our agricultural property loans can be used to:

• Purchase farmland
• Refinance debt
• Improve your existing property
• Rural housing
• Renovations or improvements
• Build bins
• Build a machine shed
• Build livestock facilities
• Technology or alternative energy upgrades

Livestock and Dairy Financing

Provide financing for breeding livestock in the agricultural production industry.

• Purchasing livestock
• Refinancing existing livestock loans
• Milk equipment
• Livestock expansion
• Livestock replacement programs

Working Capital Lines

When short-term needs arise, from taking advantage of new opportunities to responding to financial pressures, let HomeTown help make sure you’re ready.

Revenue Protection

Our affiliate, HomeTown Insurance, offers revenue protection which shields your revenue from shifts in crop prices and production losses with final revenue guarantees.

Crop Insurance

Controlling the weather and growing conditions is an impossible task. Our affiliate, HomeTown Insurance, offers crop insurance which helps protect your income from the unexpected.

Checking

No matter if your operation is small or large, we know you want the perfect checking account to help your finances grow.