Proudly Serving Local Farmers Since 1927

Our team shares over 50 years of combined experience in agricultural lending. We know the ups and downs of farming and understand that flexibility and adaptability are the keys to success in your field and your pasture. You can depend on us to customize the agricultural loan products that best suit your needs.

To maximize the resources available to farmers, we work closely with the USDA Farm Service Agency, Farm Business Management Program and Minnesota Department of Agriculture Rural Finance Authority, as well as several other programs and businesses involved in the agriculture industry.

Customized Agriculture Products

Our clients are much more than customers. They are our friends and neighbors – who are an invaluable part of the community we have the great privilege of belonging to ourselves. Putting their needs above all else isn’t just good business. It’s good karma.

Pine Country Bank customizes agricultural loan products for the following purposes:

• Purchase or refinance of real estate, livestock, and equipment
• Farm construction projects
• Farm operating lines of credit
• Operating loans for crop inputs, livestock, feed, fuel, machinery, and other farm needs
• Livestock purchases

Pine Country Bank’s credit enhancement products include:

• USDA Farm Service Agency guaranteed and direct loan programs
• Minnesota Department of Agriculture Rural Finance Authority participation program
• Farmer Mac secondary market program
• Small Business Administration guaranteed and direct loan programs
• Community Bank Loan participation program
• United Bankers’ Bank participation program

Pine Country Bank’s agricultural deposit products include:

• Customized checking accounts
• Savings accounts, money market accounts and certificates of deposit (CDs)
• Remote capture (off-site deposit program)
• ATM/Debit Cards

For additional information on the agricultural market, visit Farms.com