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Agribusiness Banking

Knowledge and experience from one of the nation’s top Ag lenders

Our past benefits your future.

We’ve been serving Agribusiness since 1857, so we understand the complexity and volatility of your industry and have a proven track record of standing by our customers and communities. We will continue to support the future generations of agriculture in a spirit of innovation with broad financial capabilities to move your business forward.

Commercial Insights

FNBO Continues Support of FFA

Leveraging Big Data in Agriculture

Global Impacts | The Midwest/Rocky Mountain Economy in 2019
Food Safety and the Power of Blockchain Technology
Workforce Shortage - Encouraging Younger Generations to Enter Agriculture
Ensuring Success for Future Generations – Agribusiness Succession Planning
First National Bank Continues Support of Nebraska FFA Foundation
Agriculture of Tomorrow - 3 Key Trends

Improve the Customer Experience with an Electronic Bill Pay Service
Managing Foreign Currency Risk in a Volatile Global Market
Swipe or Drag
A group of cows in the morning sun

Lines of Credit

Operating Lines of Credit

We know that sometimes your capital doesn’t line up with your need to move business forward. With our convenient line of credit options, we put the purchasing power in your hands with easy to access funds to maximize working capital and the profitability of your operation. Some common uses of an Operating Line of Credit may include:

  • Funding seasonal build-up fluctuations in inventory
  • Assisting in the timing differences of collecting your receivables
  • Taking advantage of vendor discounts
  • Meeting unexpected cash needs
  • Livestock Purchasing
  • Grain or Seed Purchasing

Feeder Finance Lines of Credit

A Feeder Finance Line of Credit provides an avenue for commercial feedlots to attract customers and act as a financing intermediary. As the feedlot, you execute a note, security agreement and financing statement with your customer. In turn, the bank takes assignment of the documents between you and your customer and provides you with the funds necessary to complete the transaction.

A farm lady petting her dog in the back of a pickup truck

Term Loans

Machinery & Equipment

Your industry is fueled by state of the art livestock and crop production equipment, grain processing machinery and the latest technology innovation that will help you better manage and grow your business. With a personalized lending approach, your Relationship Manager can help customize a solution that will allow you to gain the tools you need to operate more efficiently and meet your bottom line goals.

  • New or used equipment and machinery
  • Technology upgrades
  • Tractors, tillage and planting equipment
  • Cattle and feed yard needs
  • Seed and grain processing equipment

Ag Real Estate and Facility Loans

Whether it’s an 80 acre plot of land to plant your first crop or a 50,000 acre spread to run 10,000 head of cattle, we can finance or refinance property, land improvements, buildings and facilities. Take advantage of business growth opportunities with a high level of service and lending terms personalized to meet your needs.

  • Land purchase or refinance
  • Operation expansions
  • Facility purchase 
  • Land improvements
Treasury Management

The Ag industry is reliant upon managing costs, maximizing cash flow and keeping focused on long-term goals. Our Treasury Management team can help.

International Banking

Our Global Banking team understands the complexities of the Ag industry and can you help you easily navigate your international business and transaction needs.

Wealth Solutions

Full service wealth management solutions for your personal and business objectives including estate planning and business succession services.

Business Spotlight | T&E Cattle Company

"Our relationship has always been open and transparent with First National Bank, and I’m very comfortable sitting down with them to analyze where the opportunities are and where the pitfalls are. They have been a very strong supporter of our business, as well as the beef cattle industry in general."

- Greg Baxter, Third generation owner and operator, T&E Cattle Company

T and E Cattle owner