We offer a variety of loans to help you with your farm and ranch financing needs whether it be for operating, purchases or refinancing. We offer loans for operating lines of credit, machinery and equipment, livestock and farm real estate. First Bank Kansas offers both fixed and variable rate loans for short, intermediate and long term financing needs at competitive rates.

First Bank Kansas offers hands-on assistance to customers that wish to apply for a Farm Service Agency (FSA) beginning farmer or joint financing loan to purchase agricultural real estate. The FSA Beginning Farmer and Joint Financing loan programs allow eligible farmers and ranchers to secure long-term fixed interest rates as low as 1.5% and 2.5% respectively. The FSA Beginning Farmer and Joint Financing loan programs require that at least 50% of the required capital be provided by an eligible lender, such as First Bank Kansas.

First Bank Kansas is able to offer competitive interest rates for both fixed and adjustable rate loans. There are a variety of options available. Adjustable rate loans will typically have an initial period of one, three or five years. In additional, we are able to offer interest rate caps. Caps limit the amount the rate adjusts in order to protect you from large interest rate swings.