We believe in the future of agriculture and we know it takes time to build capital and credit history. So, we take extra steps to help you get started by offering first-time farmer loans to producers and potential producers in the Panhandle and South Plains. We also believe in tradition. As a co-operative owned by our stockholders, we know farming and ranching are difficult and we’ve seen what it takes to create a successful operation. Our mission is to keep the tradition of farming and ranching going, which is why we support ag producers who are just getting started or have only been in agriculture for a short time. We also help those running small operations, especially families who are the heart of our industry.