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Agricultural Lending

Financing fields and herds.

Agricultural Lending

From cotton fields to cattle ranches, agriculture is the heartbeat of our communities—and First Texas National Bank has financed local producers since 1890. Our Agricultural Lending team understands the unique cycles, risks, and opportunities that come with farming and ranching in Texas.

 Flexible Financing for Every Operation

We offer term loans for land purchases and facility improvements, operating lines of credit for seasonal cash‑flow needs, equipment loans to upgrade machinery, and livestock or crop production financing. We also partner with the Farm Service Agency (FSA) for guaranteed loans when needed, giving producers access to competitive rates and longer repayment terms.

Key Features:

Loan Types: Land, equipment, livestock, crop production, operating LOC
Rates: Competitive fixed or variable, tied to ag benchmarks
Terms: Matched to commodity cycles; seasonal or annual payments
Collateral: Land, equipment, livestock, or crops
FSA Guarantees: Available to expand eligibility and terms
Local Decisions: In‑house underwriting and fast turnaround

Local Expertise & Hands‑On Service

Our ag lenders live the rural lifestyle right alongside you—many grew up on farms and ranches themselves—so they speak your language and make decisions locally. We walk fields, inspect herds, and tailor repayment schedules to harvest or sale cycles, ensuring financing never stands between you and the next season’s success.

READY TO GET STARTED?

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