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Did You Know?

By using the equity in your home, you may qualify for a loan, to use how you choose, at an interest rate that is relatively low. Furthermore, under the tax law--depending on your specific situation--you may be allowed to deduct the interest because the debt is secured by your home. If you are in the market for credit, a home equity line may be right for you.

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Commercial Lending

Commercial Loans

Farmers State Bank was originally chartered in 1922 to meet the credit needs of local farmers and merchants. We still earn the vast majority of our income from the loans we make to area residents and their businesses. Therefore, we devote a majority of our resources, human and financial, to meeting our customer's credit needs. Each Farmers State Bank office has a commercial lender on staff full time. Because we are a locally owned community bank, loan decisions are made quickly by officers who are familiar with local economic and social conditions. There is no need to refer applications to headquarters in the big city. Commercial loans are made for a wide variety of purposes and on many different terms.

We believe the loan process can be made easier and more personal by contacting you directly prior to requiring your completion of a formal written loan application. Simply submit a loan inquiry and provide us with the limited information requested there, and we will contact you at your convenience to get started. Your loan approval may be only a "click" away.