Online Banking

image of the community first bank location

Agriculture Loans


The Heartland is the breadbasket of our nation, and our agricultural businesses are at its very heart. At Community First Bank we understand the needs of our area’s agribusinesses, and we are ready to help them meet the challenges of their complex operations. From tractors to state-of-the-art technology, we will help you get the tools you need to keep up with demand. We combine competitive rates, quick decision-making, and a local agricultural understanding you won’t find at large corporate banks.

  • Buy state-of-the-art equipment
  • Purchase or refinance new or used farm equipment
  • Purchase or improve fixtures or facilities
  • Upgrade existing equipment or other fixed assets
  • Purchase vehicles
  • Flexible terms that work for you
  • Experience in Jefferson County agricultural business
  • Local loan decisions for faster results
  • Professional service from lenders you know and trust

Loan Terms


Farming is one of the most challenging industries, and has been a way of life in Jefferson County for generations. Community First Bank is committed to helping our farmers, large and small, continue this tradition, by providing the funding they need to operate their farms even during tough times. Whatever the size of your agricultural business, from small family farms to large livestock operations, our experienced loan officers can customize a loan for your farming operation.

  • Competitive rates
  • Customizable lending options
  • Local decision-making
  • Easy application process
  • Loans for a range of needs, including:
    • Farm equipment and vehicles
    • Purchasing breeding stock
    • Refinance or restructure existing livestock financing
    • Facilities improvement
    • Feed, fertilizers, irrigation

Loan Terms


A loan from Community First Bank can help you purchase land, expand or acquire facilities, buy existing working farms, and much more. We offer custom-tailored real estate loans, customization with flexible terms to fit your specific goals — all at competitively low interest rates! Let your hometown bank be your trusted partner in the success of your agricultural enterprise.

  • Competitively low interest rates
  • Available for many agricultural real estate needs:
    • Purchase of farm property
    • Refinance of existing farm loans
    • Equity loans for farms
  • Farm improvement projects, including:
    • Irrigation
    • Land clearing and leveling
    • Barn construction
    • Cattle facilities
    • Hog facilities
    • On-site grain storage facilities
    • Land clearing and leveling
  • Flexible terms to fit your timeline
  • Local agriculture experience and understanding
  • Local loan decisions
  • Professional service and personal attention

Loan Terms

Loan Terms

Our competitive financing options offer tools to fit your operations needs. Whether it is for real estate, equipment, operations or improvements we stand ready to assist you. Call one of our bankers today and explore the flexibility we offer to assist in your farm future success.

  • Flexible Loan Terms
  • On most applications, credit approval within 48 hours
  • Flexible payment schedules to meet the needs of your operation
  • Loan pre approval for real estate, equipment and livestock purchases that offer you the ability to negotiate and purchase on your terms


Contact our AG Lenders for more information:

Steve Down – Vice President  618-899-5672 :

Jason Newell – Executive VP 618-899-5678 :

Toll Free: 888-893-6221 : Fax: 618-244-3031