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Growing Missouri Together

Whether you operate a large family farm, dream of owning a hobby farm, or are looking for recreational land for a weekend getaway, the Town & Country Bank lenders can help you find the perfect lending solution to help your farm and family thrive.

Real Estate

Loans for when you want to buy property or expand.

- Long-term financing
- Variety of term and rate options
- Secured by real estate.

Operating

Working loan solutions for the day-to-day expenses of running your farm.

- Short-term financing
- Variety of term and rate options
- Secured by crops, real estate, livestock

Equipment

Get the equipment you need with flexible payment options.

- Long or short-term financing
- Variety of term and rate options
- Secured by newly purchased or owned equipment

Livestock

Financing for breeding and feeder livestock and feed expenses.

- Short-term financing
- Variety of term and rate options
- Secured by livestock or farm assets

Real Life. Real Solutions.

Whether in our office or out in your fields, let’s talk about lending solutions and how Town & Country Bank can help you find the loan that is just right for you.

 

Portrait of Wesley Davis

Wesley Davis

Ava

South Market President
NMLS#1975714

Email

417-683-4147

Portrait of Sean Neal

Sean Neal

Ava

Assistant Vice President | Branch Manager NMLS#2332318

Email

417-683-4147

Portrait of Kyle Hofstetter

Kyle Hofstetter

Bourbon/Pevely

Chief Credit Officer

Email

573-732-4433

Portrait of Rawly Gorman

Rawly Gorman

Licking

Vice President | Branch Manager
NMLS#1070754

Email

573-674-2241

Portrait of Lacey McNiel

Lacey McNeil

Licking

Assistant Vice President | Loan Officer
NMLS#1830950

Email
573-674-2241

Portrait of Amy Emery

Amy Emery

Mountain Grove

Vice President | Branch Manager
NMLS#2188508

 

Email
417-926-3700

Portrait of Tammy Frost

Tammy Frost

Mountain Grove

Vice President | Loan Officer
NMLS#839355

 

Email
417-926-3700

Brandon Biele

Rolla

Senior Vice President | Branch Manager
NMLS#1192148

Email
573-364-8588

Justin Deason

Salem

Lender
NMLS#2608636

Email
573-729-3155

CeCe Reed Lender

Ceceilia Reed

Salem

Lender
NMLS#2608655

Email
573-729-3155

Portrait of Andrew Wynn

Andrew Wynn

Salem

Vice President | Loan Officer
NMLS#899641

Email
573-729-3155

Portrait of Brandon Licklider

Brandon Licklider

St. James

Senior Vice President | Business Development
NMLS#779233

Email
573-265-6555

USDA/Farm Service Agency Guaranteed Farm Loans

Town & Country Bank is proud to offer USDA/Farm Service Agency (FSA) guaranteed loans. Multiple loan options are available for farm ownership, farm operation, and farm operating lines of credit. These loans are suitable for family farmers in our local communities. Perfect for beginning farmers who would benefit from a low-down payment.

Farm Ownership

  • Purchase land.
  • Construct or acquire buildings and/or other improvements that will become real estate fixtures.
  • Soil and water conservation.
  • Refinance authorized Operation Loan or Farm Ownership Loan.

Operation

  • To purchase livestock and farm machinery/equipment.
  • Refinance authorized Operation Loan or Farm Ownership Loan.

Operating Line of Credit

  • To pay for annual operating expenses such as feed, seed, fertilizer, chemicals, fuel, repairs, feeder livestock, and family living expenses.
  • For purchases of routine capital assets such as replacement of breeding livestock that can be repaid within the operating cycle.

I’m Ready To: Learn More

FFA and 4-H Youth Agricultural Loans
  • 0% APR fixed for livestock projects.
  • Active members of FFA or 4-H enrolled in livestock projects.
  • Co-signed by parent or guardian (subject to credit approve)

Maximum Loan amounts for livestock projects:

  • Cattle $3000
  • Goats $1000
  • Poultry $250
  • Rabbits $250
  • Sheep $1000
  • Swine $1500

Agricultural Lending Frequently Asked Questions (FAQ)

At Town & Country Bank, we specialize in the things Missourians value most: the herd and the land. Whether you’re managing cow production, looking to buy a 'starter' farm, or searching for the perfect piece of recreational ground for hunting and getaways, our local lenders understand your world. We’ve compiled these Frequently Asked Questions (FAQ) to help you navigate your financing options—explore the answers below or stop by any of our local branches to talk shop.

Do you offer specific loans for cow production and livestock?

Yes. We provide specialized financing for cow production, including breeding and feeder livestock, as well as loans to cover feed and veterinary expenses. We understand the livestock cycle and offer flexible payment options that align with your marketing and sale dates.

Can I get a loan for recreational or hunting land?

Absolutely. Not every piece of land needs to be a working farm. We offer lending solutions for recreational property and weekend getaways, providing the local expertise you need to secure your own piece of the Missouri outdoors.

Does Town & Country Bank offer USDA or FSA guaranteed loans?

Yes, we are proud to offer USDA/Farm Service Agency (FSA) guaranteed loans. These programs are an excellent resource for family farmers and are particularly helpful for beginning farmers who may need a lower down payment to purchase land or establish an operating line of credit.

What if I want to expand my pasture or buy more acreage?

Our Agricultural Real Estate Loans are designed for producers looking to grow. Whether you’re adding more grazing land for your herd or purchasing a “hobby farm” to get started, we offer variety in terms and rates to help you expand your footprint.

What can be used as collateral for an agricultural loan?

Collateral options typically depend on your specific loan type but commonly include real estate, livestock, or farm equipment. Since we serve communities across the region, our lenders at any of our local Town & Country Bank branches can help you determine the best way to secure your loan based on your current assets and the unique needs of your cow production or land-use goals.

Do I have to apply online, or can I meet with a lender in person?

While you can start the process by requesting information online, we believe the best banking happens face-to-face. You can visit any of our local branches to sit down with an experienced lender. We’re happy to meet you in our office or out in your fields to discuss your agricultural or recreational land lending needs.