Agricultural Loans

Ag Real Estate Loans

The First Citizens National Bank can help with the purchase or refinance of farm real estate to start or grow your farming business.


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Agriculture Construction Loans

The First Citizens National Bank offers ag construction loans for the expansion of farm buildings, land improvements, and new building projects.


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Agricultural Equipment Financing

Purchase or refinance new or used farm equipment. Our loans offer fixed rates and flexible payment options to meet your needs.


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Agricultural Leasing

Through our partnership with Vision Financial, The First Citizens National Bank offers customized leases designed to meet the accounting and cash flow needs of your farm.


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Ag Working Capital Lines of Credit

Lines of Credit are available to finance your inventory and working capital needs.


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Business Visa® Credit Cards

First Citizens offers a Business credit card program tailored to meet your company’s needs.


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The First Citizens National Bank works directly with the SBA, Farmer Mac, FSA and USDA, as well as local and state Governmental Assisted Lending programs to maximize your borrowing capacity as well


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US Small Business Administration         Farmer Mac


USDA Farm Service Agency