Loans and Services

Plains Land Bank, FLCA offers a variety of flexible loan programs to meet all of your rural real estate financing needs, with terms ranging from 5 years to 20 years. Payments can be annual, semi-annual, quarterly or monthly.

  Loan Program
  YBS Loan Program
  Interest Rates


2019 Board of Director Election Results


When Plains Land Bank grows, you benefit! Our customers are a vital part of our growing business, so we share our earnings with them in cash. In 2019 we paid cash patronage for the fifteenth consecutive year, distributing $8.2 million to our customers.

Find out how patronage, competitive rates and superior service set Plains Land Bank apart.

Association Headlines

Financing Your Farming Dream

Your dream is to farm, but you haven't found the lender to help get you started. Plains Land Bank is the right bank to help turn your dream into reality. We understand the farmer's needs and will prove to be a great resource for financing your farming dream.

High School Scholarship Program

We are offering four $2,000 scholarships to four deserving Texas Panhandle high school seniors.

Young, Beginning, Small Farmers : What You Need to Know

How do you know which lender is the right choice to finance your first farm? If you haven't already, you should consider asking a Plains Land Bank lender about our YBS loan program; this loan program is ideal for farmers or ranchers who are just starting out and looking to bring their dream to life.

What are YBS Loans?

Becoming a part of the tradition of Texas Panhandle agriculture can start with small farm loans. YBS loans (Young, Beginning and Small Loans) are loans that are geared toward helping the new generation of ag producers make their land ownership dreams into realities.

Are You Eligible For a Farm Loan?

One of the best things that you can do to learn more about obtaining a farm loan is to align with a bank that can help you navigate the process. There are a lot of misconceptions about a farm loan and who is eligible as a borrower. By partnering with a bank that specializes in farm loans, it will not only increase your knowledge but your success.

The Legacy of Agriculture in Texas and How Farm Credit Keeps It Thriving

Plains Land Bank has helped to build the agricultural legacy in Texas. Whether it was a small family farm loan or a loan for operation expansion, there is no denying that Plains Land Bank loan programs have played a key role in Texas agriculture.

Your Guide to Farm & Ranch Financing

Whether you have an established farm, or if you are looking to obtain one, it is wise to consider your finance options before you commit to a piece of property.

2019 Board of Directors Election Results

Jerrell Key, Dennis Babcock and Don James, candidates for the Plains Land Bank 2019 Board of Directors, were elected or re-elected to a 3 year term beginning in June 2019.

Plains Land Bank Stockholders Participate in Farm Credit Young Leaders Program

The Terhunes, member-borrowers of Plains Land Bank, were among 27 agricultural producers selected for 2018 Farm Credit Young Leaders Program.

Stockholders Gather for Association Business and Patronage

Plains Land Bank customers came together for regional stockholder meetings on March 27 and 29. Customers conducted official business and collected checks for 29.64% of the interest paid in 2017, a total of $7.1 million.

Notice Regarding Frost Bank Lockbox Security Incident

We recently learned that Frost Bank is investigating a security incident involving unauthorized access to electronic check images stored in Frost Bank's lockbox software program that serves about 470 of Frost Bank's commercial customers.

Plains Land Bank Stockholders Participate in 2017 Farm Credit Young Leaders Program

Dane and Lori Mullins of Silverton, Texas, recently learned how Farm Credit uses its cooperative structure and unique funding mechanism to lend support to rural communities and agriculture across the United States. Mr. and Mrs. Mullins represented their lender, Plains Land Bank, at the 2017 Farm Credit Young Leaders Program in Washington, D.C., and New York City.

Stockholders Celebrate 100 Years and $6 Million Patronage

Plains Land Bank customers gathered for regional stockholder meetings on March 28 and 30 and collected checks for 30% of the interest paid in 2016, a total of $6 million.

Plains Land Bank Stockholders Participate in 2016 Farm Credit Young Leaders Program

Justin and Lacee Freeman of White Deer, Texas, recently saw firsthand how Farm Credit's cooperative structure and unique funding mechanism enable it to help rural communities and agriculture thrive.

Plains Land Bank Distributes $6.75 Million in Cash to Customers

Plains Land Bank will distribute $6.75 million of its 2015 earnings to borrowers in early April. Over the past 12 years, Plains Land Bank has returned an average of 23 cents of every dollar that borrowers have paid in interest in the form of patronage checks at stockholders meetings.

Stockholders Re-Elect Directors

At Regional Stockholder meetings held April 5 and 7, stockholders re-elected Don R. James, Dennis Babcock, and Tim Stedje.

Plains Land Bank Stockholder Participates in 10th Annual Farm Credit Young Leaders Program

Steven Ebeling of Plainview, Texas, recently got an inside look at how Farm Credit supports rural communities and agriculture with reliable, consistent credit and financial services.

Scholarship Recipients for 2015-2016

In its eighth year, the Plains Land Bank scholarship program at West Texas A&M University (WTAMU) once again identified four outstanding individuals as scholarship recipients. Students were recognized at the WTAMU Ag Day celebration September 11.

Members Hear Good News at 2015 Regional Stockholder Meetings

This year's regional stockholder meetings, held March 31 and April 2, were marked by positive comments and reports of record-setting financial results, presented by Panhandle-Plains Board Chairman Randy Darnell and Chief Executive Officer Gregg Lloyd.

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Ag Banking Online App

Check balances, transfer funds, view transactions and check messages from anywhere, anytime with our FREE Mobile Banking app. It’s fast, free and available to all of our Online Banking users.

Landscapes Magazine

Landscapes Magazine

Plains Land Bank is extremely proud to serve agriculture and rural America, and our pride is reflected in Landscapes magazine.

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Latest Landscapes Edition