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The foundation of the bank was built on providing best in class banking products and services to the agriculture based communities we serve. At First State you have direct access to the bank’s decision makers who are some of the best ag bankers and advisers in the industry. Innovative and responsible financial solutions provide client access to the funding they need to make their farm operation or agribusiness succeed. Clients will also experience the latest cutting edge banking technology.

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Agriculture Lending

As a farmer, you have plenty of things to worry about and your lender should not be one of them. You deserve a rock solid, dependable, knowledgeable Ag. Lender that understands your operation, will be there in good times and in bad, and will help your operation grow. With decades of ag lending experience, put First State Bank’s experienced agriculture lending team to work for you. We have been providing hard working farm families with the credit they deserve since 1904.

Farm Real Estate Loans
If you are looking to buy a farm, pay off an existing contract, refinance a mortgage, or finance a major farm improvement, First State Bank of Illinois can help. Let us share your vision and make it become a reality. We offer competitive fixed or adjustable rates, flexible terms, and fast, local decisions.
Ag Equipment Loans and Leases
Farming is a capital intensive business and no lender understands that better than First State Bank of Illinois. Whether you want to buy or lease your next tractor or combine purchase, our financing options can make it happen by designing a term loan that meets your needs, hassle free.
Livestock and Livestock Facility Loans

Operating lines of credit, term loans, and/or real estate loans to fund the following types of operations:

  • Hog production 
  • Feeder cattle
  • Cow/calf producers
  • Dairy production 
  • Poultry production

Operating Lines of Credit

Get a loan that's as flexible as your farming operation requires. From crop inputs to payroll, a First State Operating Line of Credit is a useful cash flow tool to assist with your day-to-day operating expenses. 

Beginning Farmer Loan Program

The purpose of the Beginning Farmer Bond Program is to provide affordable financing to new, low net worth farmers for financing land and equipment purchases. First State Bank has experience working with FSA and IFA to provide this financing at below-market interest rates and loan terms.

Crop Insurance

Mother nature provides her own set of challenges every growing season. Hail, wind, drought and disease can destroy your crops and dramatically impact your crop income. First State will tailor a crop insurance program that will be the basis for a sound marketing plan, give you the protection you want and maximize your returns.