Agricultural Loans | Ag Banking

Farming is your livelihood, which is why we're committed to offering the best financing* options to our local producers. Whether you're considering an equipment or livestock purchase, looking to purchase farmland, or need to finance your inputs, we want to partner with you to find the proper financing structure for your operation.

Why choose The Bank of Tioga? 

We will work alongside you to ensure you have the necessary resources to succeed.

  • Cover a range of needs
  • Competitive rates
  • Customized financing options
  • Local processing and decision-making
  • Experienced lenders you can trust
  • Friendly, attentive service

What agricultural loan options are available?

  • Seasonal operating line of credit
  • Livestock
  • Equipment
  • Real estate

How do producers use these types of agricultural loans?

Our agricultural clients use various types of ag loans for the following reasons:

Seasonal Operating Line of Credit

Be prepared with a ready line of credit for your farm's needs such as seed, chemical, fertilizer, cash rent or other inputs. Flexible, short-term, asset-based financing can help you manage your cash flow. Have readily available financing for when you need it and only use what you need.


Seasons and markets change quickly. Let us help streamline your commercial or pure-bred livestock (cattle, swine, poultry, equine, etc.) operation with a livestock loan that suits your cash flow needs.


When you're ready to purchase or upgrade equipment (grain bins, combines, tractors, trailers, semis, etc.), we're ready to discuss your financing options. No matter what you raise, we have the options to finance the equipment that is critical to your success.

Real Estate

Good farm ground can be hard to come by. Purchase or refinance your farm property with a local, community-minded bank, where processing and decision-making is kept local. Our lenders are familiar with the local real estate market and will work with you to provide financing options that meet your needs. We finance crop and pastureland, as well as buildings or structures necessary to the success and development of your operation. Ag real estate loans are also utilized to purchase Morton® buildings, barns and grain bins.  

Farmer Mac Loans

Additionally, look to The Bank of Tioga for more innovative financing options from the secondary market. We are committed to serving our agricultural clients with products that fit their needs, including fixed long-term financing for large purchases or operating loans to help finance operations from year to year. This is why we've partnered with TS Ag Finance and draw upon their relationship with Farmer Mac, TripleR and AgXpress to expand our ag loan offerings. We understand the agricultural industry and the importance of having sophisticated financing options available for today's producers. 

What might I need to get an agriculture loan?

Your lender will ask you to fill out an application that you can request below. For your convenience, you have the ability to fill out the application electronically or you can print it off to complete. Additionally, you may be asked to provide historical tax returns, financial statements, a description of any collateral offered to secure the loan, among other information to assist in underwriting the financing request. 

How do I apply for an agriculture loan? 

Simply fill out this short form and a lender will contact you. Additionally, once you complete the form, you will be able to download our PDF application so you can get started on your own before a lender reaches out to you.

Our lenders are available to guide you through this process. Feel free to give us a call, send us an email or stop by one of our locations to get the process started.

Lee Rindel, VP of Ag Banking

"I enjoy working for an institution that is proud of its community and demonstrates that proudness by giving so much back to further our communities goals, whether it is a small or large goal. Building relationships with local producers and seeing their achievements progress over the years is a rewarding experience. Seeing the cows grazing, growing crops or clients completing their harvest and knowing I had a small part in their operations success is why I enjoy my job."

Contact Lee: 701.664.3388


DO MORE with your money at The Bank of Tioga

At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at The Bank of Tioga. The Bank of Tioga has two locations in North Dakota. For more information visit, call 701.664.3388 in Tioga or 701.965.6333 in Crosby. #igniteprosperity

All loans are subject to credit approval.