Union State Bank’s been helping farmers and ranchers like you for over a century. We know agribusiness. Our lenders have the financial solutions to meet your unique needs. Apply Online or Contact a Loan Officer .

Here are a few of our products and services that can help grow your operation:

  • Cattle grazing Crop input loans
  • Farm & ranch real estate
  • Feedlot financing
  • Letters of credit
  • Livestock financing
  • Machinery & equipment
  • Operating lines of credit
  • Crop insurance *
  • SBA loans
  • FSA guaranteed loans
  • Flexible payment options: Principal and interest payments, Interest only payments, Fixed interest rate, Variable interest rates

What you’ll need to get started:

  • Copy of past three (3) years tax returns
  • Current financial statement
  • Cash flow statement
  • Tractor with wind farms If real estate purchase, a copy of real estate purchase contract
  • Name of insurance agent and company that will be insuring collateral
  • Copy of photo identification (i.e. driver’s license – if new customer)
  • Corporate documentation

Best Business & Financial Practices

  • Know your cost of production
  • Have an accurate up-to-date balance sheet
  • Complete and utilize accrual adjusted income statements
  • Conduct enterprise analysis
  • Utilize key financial ratios in your business
  • Have a three-prong risk management program (revenue, inputs and interest rate)
  • Conduct sensitivity analysis on cash flow
  • Communicate with your lender if you have a problem
  • Utilize a business plan
  • Make an annual appointment with your lender

* Crop Insurance is not a deposit or other obligation of, or guaranteed by, the bank or an affiliate of the bank. These products are not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of the United States, the bank or (if applicable) an affiliate of the bank. In case of an insurance product that involves an investment risk, there is an investment risk associated with the product including the possible loss of value.

Wheat field at sunrise