Invest in Your Land. Grow Your Future.
At Citizens First Bank, we understand that your land is more than just property — it’s your livelihood. That’s why we offer long-term real estate loans designed to help farmers and agriculture-related business owners cultivate growth, improve operations, and strengthen their bottom line.
Just as you’ve invested in your agricultural ventures, we’re invested in helping you succeed. Contact us to to schedule an appointment with an Ag Lending Specialist at any of our six branches, or stop by our Viroqua branch to speak with Ag Lender today.
Call Now
Flexible Financing for Agricultural Needs
Our real estate loans provide a stable source of capital and can be used to finance or refinance:
- Farm Land - Purchase new acreage or refinance existing property.
- Land Improvements - Upgrade drainage, irrigation, fencing, and more.
- Agricultural Structures - Build or renovate barns, storage facilities, and other essential buildings.
- Equity Loans - Use the value of your land to support ongoing farm operations.
Partnering with Farm Service Agency
At Citizens First Bank, we understand that it's not possible for everyone to meet the traditional 20% down requirement. That's why we partner with the Farm Service Agency (FSA) to provide joint financing options that make land ownership more accessible for everyone. Through our partnership, we're able to provide you with flexible solutions designed to help secure the financing you need without the traditional barriers.
Loan Terms That Work for You
We offer flexible repayment options to match your financial goals:
Terms from 5 to 30 Years - Choose a loan duration that fits your long-term plans.
Fully Amortized or Equal Principal Payments - Select a structure that aligns with your cash flow and budgeting needs.