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Hometown Community Bank Website

Agricultural Banking

Lending in a way that works for you and your operation.

• Real Estate • Machinery & Equipment • Livestock • Lines of Credit • FSA Guaranteed Loans

Who We Are

We realize that all farming operations are different. The Bank's lenders work to understand your needs, while providing experience and insight to help you succeed.

Agricultural banking has always been the cornerstone of The Bank's business. From our beginning as a small bank in Winona, KS, we have grown into a respected leader and lender in ag financing. Most of our loan officers have farming and ranching backgrounds or are currently farming themselves.

The Bank is designated as a "Preferred Lender" by Farm Service Agency, making FSA Guaranteed Loans our specialty.

“Beginning Farmer” Loans

The Bank has financing programs to cover your operation from start to finish. Our superb "Beginning Farmer" program can help new farmers make their first land purchase a reality. By working with USDA Farm Service Agency, or the Kansas Development Finance Authority, this program can provide better terms and rates to qualified beginning farmers. Qualified Beginning Farmers, with supporting Cash-Flow, and good credit, can purchase land with as little as 5% down, with certain programs. The rates for these programs are quite attractive as well. Stop in and see one of The Bank's lending professionals for more details.

What Makes "The Bank" Different?

At The Bank, your loan officer can become a trusted advisor, working with you, recommending proven solutions to help you make your operation more profitable. Our lenders have more to offer than just money to lend. We offer our input as value to you and your farm, striving to increase your yields and profits.


Management's roots go back to 1963. With a diversified multi-generational staff, we will always be here tomorrow.

Our lending decisions are made locally. The Bank loan officers typically have more lending authority than our competitor's. We are a community bank that provides a thorough knowledge of who our customers are, and how their farming operation works. Most decisions are made very quickly. For typical requests, The Bank can usually give a decision in half the time of our competitors.

Experience Fixing Problems

Struggling with your cash-flow, loan repayments, or farming operation? Come see The Bank. We look at each individual situation and create a plan that will best fit your operation. Our proven strategies will make you prosper.

The Bank likes to keep things simple. Simplifying your loan structure can not only help your farm, but make management of your financing easier as well, for generations to come.

The Bank will go the extra mile in working to fix a problem. Our lenders will go the extra mile to make you more profitable. If something can be fixed, we'll be dedicated to working with you to fix it!