Agricultural Loans


We are a leader in agricultural lending whose commitment to the agricultural community is illustrated by our continuous involvement in agriculture lending since the early 1970’s. The fact that Welch State Bank is an independently owned community bank means that you always receive the personalized touch you deserve. Our loan decisions are made locally by people who understand the importance of agriculture to the local economy. Whatever your agriculture banking needs, no matter how large or small, you can call on the experience that the our lenders have to offer.

Our Lending Experts are ready to start your Personal Loan Pre-Qualification process

  • Experienced agricultural loan officers
  • Seasonal terms
  • Farm Service Agency (FSA) Preferred Lender
  • Bare land loans
  • Competitive rates and terms
  • Purchase land loans
  • Livestock loans, dairy loans, grain production
  • Equipment and Machinery loans

We take great pride in serving our agricultural community. Our agriculture loan officers have many years of lending experience. In fact, most of our officers grew up on farms and ranches in northeast Oklahoma and are still active in some form of agriculture themselves. We utilize FSA guarantees which help us meet the credit needs of young, beginning and small farmers as well as existing farmers seeking to expand their operations. We achieved a great honor in becoming one of only a handful of Oklahoma banks to attain the Farm Service Agency “Preferred Lender” accreditation. You can go to the FSA website and find out more information or call us today. We’ll be glad to give you a friendly, personalized service that our customers have come to expect…and deserve.


We offer multiple options such as single maturity, revolving lines of credit or even conventional working capital loans with level amortized payments. It simply depends on YOUR needs. Give us the opportunity to offer you friendly, knowledgeable, and personal service!

Find out why Welch State Bank is THE choice for agriculture loans.


We take great pride in serving the agricultural community. We offer equipment and machinery loans to meet the various needs of production agriculture.


  • New equipment or used, we have terms ranging from months to years and are based on the remaining useable life of the asset
  • Loan terms of 3 years to 7 years are most common
  • Monthly, quarterly, semi-annual and annual payments are all available to match your income stream. We also offer Farm Service Agency Guaranteed loans for the purchase of farm equipment.
  • Our down payment requirements can be met from cash or equity in other assets that can be taken as additional collateral


We offer loans on rural properties including pasture, crop, poultry facilities, and rural residences. We offer flexible terms, competitive rates, and unmatched customer service. Our lending staff understands the unique requirements of agriculture and will assist you in every way possible to see your dreams come true.

We offer many financing options including use of Farm Service Agency guarantees or in combination with FSA direct lending. We also offer flexible down payment requirements to help your operation get started or expand.

Keep control of your financial health with our Debt to Income ratio calculator.

DTI Calculator


Need a loan for the purchase and refinances of beef cattle, stocker cattle, dairy, and other livestock? We offer flexible terms and competitive rates to meet your specific needs.

We also offer Farm Service Agency Guaranteed loans including loans for beginning farmers and ranchers. We often work together with FSA to structure financing in the most affordable manner. Many of our officers are personally involved in production agriculture, so we understand the unique needs agriculture producers have.

Give us the opportunity to discuss your aspirations. We can structure custom financing options to meet about any need.


Welch State Bank has been originating loans for poultry facilities for over 20 years. If you own your land and desire to build a new facility, refinance your existing operation or purchase an existing facility let us help.

Welch State Bank is a Farm Service Agency “Preferred Lender” so we have the knowledge to get your loan application processed as quickly as possible. We also utilize the Small Business Administration guaranteed loan programs if necessary.

Find out why Welch State Bank is THE choice for agriculture loans.



Welch State Bank is one of just a handful of Oklahoma banks that have obtained the “Preferred Lender” accreditation with the Farm Service Agency. The reason it’s important is the simple fact we have the knowledge and experience to get your request processed quickly with as little interruption to your busy schedule as possible.

We utilize Farm Service Agency guarantees for farm ownership, cattle, and equipment loans which may not qualify for direct bank loans. This allows us to better serve the young, beginning and small farmers that may not meet our normal underwriting criteria. Guarantees can also be used if you are looking to expand your acreage or buy your first farm and do not have the required down payment.

You can find additional information on USDA Farm Service Agency guaranteed loans at