Loans & Financing

Commercial Loans


We lend strength to our community by helping local businesses grow and prosper.  We are locally owned and operated and understand the local market, its challenges and, best of all, its opportunities.  Lending decisions are made locally, so you’ll enjoy a quick turn-around time and lenders who are accessible.

Commercial Mortgages


When it’s time for you to expand your location or move to a new one, we have several ways to help you through the transition.  Our real estate loans can be designed to fit your needs.  Our responsive staff of lending professionals will work with your business, one-on-one, throughout the entire lending process to ensure that your financing needs are handled quickly and easily.  Deal directly with a local service-oriented community bank to refinance your high-rate commercial mortgage.

Equipment Financing


Our commercial equipment loans can help you with any kind of commercial equipment financing.  We are the alternative to high interest loans and expensive purchase payments.  Our commercial equipment financing will save your corporate company or small business thousands!

Commercial Construction Loan


In order for your business to grow, sometimes you require a bigger or better space.  If you’re planning to build or expand, the solution could be a commercial construction loan from Farmers State Bank.  We can help you get the money you need to turn your plans into reality.  We offer loans for the construction of single family, multi-family, and commercial properties.  Our loan officers will provide assistance for borrowers in developing intermediate and permanent financing plans.

Lines of Credit


Farmers State Bank prides itself on being independently and locally owned.  Our local operation enables us to provide expedient and creative financing programs.  We provide lines for credit for almost any  business need.  Whether you own a sole proprietorship or operate a growing corporation, our flexibility and fast approval process provides you with the financial support you are looking for and deserve.  Our commercial lines of credit are designed to meet your short term financing needs and provide the working capital needed to support growth in sales, accounts receivable financing and seasonal inventory needs.

Agricultural Loans


At Farmers State Bank, we are committed to agriculture. We offer all types of agricultural loans, including operating lines of credit as well as loans for feeder livestock, breeding livestock, machinery and equipment, and agricultural real estate loans. We will work with you to setup a repayment schedule designed to match your cash flow. We also offer FSA guaranteed loans.

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