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Agricultural Banking

Agricultural Lending & Deposit Accounts

Your farm or ranch financial needs and goals are unique.  RG BANK’s agriculture lenders will meet with you to learn about your farm or ranch operation and your financials goals. Our lenders can then work with you to find the loan structure to help you meet your needs and achieve your goals.

Your goals and the financial needs of your farm or ranch are unique.

Your Future Begins Today with RG BANK!

Meet the Agricultural Lending Team

RG BANK’s Agricultural lenders will meet with you to learn about your financial needs and your goals.

Our lenders can then work with you to find loan products and loan structure to help you meet your needs and achieve your goals.

Kathy Lee

Commercial & AG Loan Officer

Email or call Kathy in Alamosa today.

Scott Campbell

Chief Lending Officer

Email or call Scott today.

Real Estate Loans

RG BANK Agriculture Real Estate Loans

Exploring real estate to expand your farm or ranch? Or, do you need to tap into your real estate equity to restructure your debt? Whatever the reason, RG BANK provides competitive rates for farm and ranch real estate. We can work with you on a purchase or a refinance.

RG BANK Agricultural Real Estate Loans

  • Competitive rates
  • Customized to your farm or ranch needs
  • Wide range of financing options
  • Local decision-making
  • Personal service from experienced lenders

Lines of Credit

Operating Lines of Credit

RG BANK understands that many times the timing of the cash flow coming in does not meet the timing of cash flow going out. Let’s visit about an Operating Line of Credit to help your farm or ranch. These loans can be used to help cover a one time, short-term cash flow crunch or they can be an ongoing loan to help you through your cash flow cycles.

  • Competitive rate
  • Local decision-making
  • Personal service from experienced lenders

The Tools To Grow

Equipment Loans

Dependable equipment can be essential for your operation.  RG BANK finances equipment and we can help you with a purchase or a refinance.

  • Competitive rate
  • Customized to your farm or ranch needs
  • Wide range of financing options
  • Local decision-making
  • Personal service from experienced lenders

Get Started Today

Apply for a Agricultural Loan

An application must be completed as part of every loan package. The application also lists the information you need to gather and submit to make your application for any loan complete.

You can complete the application on your computer by clicking here:

Agricultural Loan Application

As part of your application package, you may need to submit a balance sheet for your farm or ranch and a personal balance sheet. These forms are provided for your convenience, but you can use your own forms for the application.

Balance Sheet (Farm / Ranch)

Choose the format that works best for you. The worksheet can be completed in Excel. Or, choose the PDF format and print to complete by hand.

Balance Sheet – Farm / Ranch (Excel)

Balance Sheet – Farm / Ranch (PDF)

Personal Balance Sheet

Choose the format that works best for you. The worksheet can be completed in Excel. Or, choose the PDF format and print to complete by hand.

Personal Balance Sheet – Personal (Excel)

Personal Balance Sheet – Personal (PDF)

Your specific loan request may require additional information.

Remember, we are here to help. If you have any questions, please call one of our agriculture loan officers.

Contact Our Agricultural Lending Team

RG BANK’s Agricultural lenders will meet with you to learn about your financial needs and your goals.

Our lenders can then work with you to find loan products and loan structure to help you meet your needs and achieve your goals.

Kathy Lee

Commercial & AG Loan Officer

Email or call Kathy in Alamosa today.

Scott Campbell

Chief Lending Officer

Email or call Scott today.

RG BANK Deposit Accounts for Your Farm or Ranch

RG BANK deposit accounts give you free access to the RG BANK eBranch, where with online banking and RG BANK mobile banking you can manage your farm and / or ranch finances 24/7. RG BANK account offerings are simple and straightforward, so you can choose the account and services that are right for you and then get back to your farm and ranch operation.

Checking Accounts

Agricultural Checking Accounts

If you are unincorporated and or operating as a DBA (doing business as) or if you are an LLC, a partnership or a corporation, RG BANK has deposit accounts and to help you manage your finances.

RG Bank Business Checking:

This is the account for your farm and ranch if it is operated as an LLC, a partnership or incorporated.

  • $200 minimum opening deposit
  • Manage your farm or ranch checking account with online and mobile banking

$27 charged if account is closed within 90 days. $8 monthly service fee applies if the daily balance falls below $200.  $1 per month charged for debit card. 

Click Here: Commercial / Business Deposit Application

(Note:  Yes, it says “Commercial / Business Deposit Application” but it is the right one for your farm and ranch deposit account application.)

If your farm or ranch is not operated as an LLC, a partnership or incorporated, then choose one of these checking accounts:

RG Basic Checking:

    • First debit card is offered at no charge with every account
    • No monthly minimum balance required
    • No monthly service charges
      • Unlimited check writing / no per check charge
      • eStatements Available

Minimum deposit to open this account is $50. $27 charged if account is closed within 90 days. Other fees may apply.

Click Here: Personal Deposit Application

(Note:  Yes, it says “Personal Deposit Application” but it is the right one for your farm and ranch deposit account application.)

RG Interest Checking:

  • First debit card is offered at no charge with every account
  • Earn interest on your balance
    • Unlimited check writing / no per check charge
    • eStatements Available

Minimum deposit to open this account is $200. $27 charged if account is closed within 90 days. $8 monthly service fee applies if the daily balance falls below $200. The monthly service fee may be waived for account holders 60 years old and older and those younger than 18 years old. Minimum daily balance to earn interest is $25.

Click Here: Commercial / Business Deposit Application

(Note:  Yes, it says “Commercial / Business Deposit Application” but it is the right one for your farm and ranch deposit account application.)

Watch Your Money Grow

Savings Accounts

RG BANK Savings

The RG Savings is perfect to save for your big upcoming project, to save for your next equipment purchase, to save for your farm or ranch slow season and more. You can access and manage your account at the RG BANK eBranch (online banking and the RG BANK mobile app).

RG Bank Business Savings:

  • $25 minimum balance to open
  • Savings accounts can be used as overdraft protection for your primary business account

$3 monthly service fee applies if the daily balance falls below $200. Minimum daily balance to earn interest is $25. $1 per withdrawal / debit over 6 per month. $1 per withdrawal / debit over 6 per month. Early closing fee (within 90 days) $27.00.  The interest rate and annual percentage yield on this account may change at any time at the discretion of RG Bank. Interest is compounded daily and credited quarterly.

Click Here: Commercial / Business Deposit Application

(Note:  Yes, it says “Commercial / Business Deposit Application” but it is the right one for your farm and ranch deposit account application.)

CD’s

RG Certificates of Deposit

If your farm or ranch has surplus funds, consider investing them in a Certificate of Deposit. Earn a higher rate of return than with most other types of accounts. Earn an even higher return for a longer term and higher balances. You can view your account balance at the RG BANK eBranch (online banking & the RG BANK mobile app).

RG Certificates of Deposit:

  • Earn a higher interest rate on higher balances
  • Earn a higher interest rate for a longer term
  • Also available for Individual Retirement Accounts (IRA)
  • eStatements Available

A minimum of $1,000 is required to open this account. A penalty will be imposed for early withdrawal.

Click Here: Commercial / Business Deposit Application

(Note:  Yes, it says “Commercial / Business Deposit Application” but it is the right one for your farm and ranch deposit account application.)

Safe Financial Growth

RG Money Market Account

Does your farm or ranch have surplus funds and want a higher return?  Do you want to stay away from a CD because you want to maintain liquidity?  Consider a Money Market Account.

Get a rate of return that is generally higher than on a checking or savings account – plus more as you maintain higher balances. You can access and manage your account at the RG BANK eBranch (online banking & the RG BANK mobile app). Scroll down to learn more.

  • Earn a higher rate of return when you maintain a higher balance
  • eStatements Available
  • $8 per month service fee if the balance drops below $1,000 per statement cycle.

A minimum of $1,000 is required to open this account. Minimum daily balance to earn interest is $1,000. No more than 6 withdrawals/debits a month are allowed on a Money Market Account. $10 per withdraw / debit over 6. $8 per month service fee if the balance drops below $1,000. $27 will be charged if the account is closed within 90 days.

Click Here: Commercial / Business Deposit Application

(Note:  Yes, it says “Commercial / Business Deposit Application” but it is the right one for your farm and ranch deposit account application.)

Your Future Begins Today with
RG BANK

We have documents here to help you open a new deposit account or apply for a loan. Remember, we are here to help. I you have questions on a deposit account or your loan application, please call us. You can find a phone number for each location under the Contact Us menu.

Deposit Applications

Get a jump on opening your new deposit account for your farm or ranch. Click the link to find the deposit application.

(Note:  Yes, the deposit applications says “Commercial / Business Deposit Application” but it is the right one for your farm and ranch deposit account application.)

Loan Applications

Are you applying for a farm / ranch loan? Completing a full application package, including a detailed application, helps us get an answer to you quickly.

To go along with the loan application, you’ll need to provide a balance sheet for you and your operation. You can provide these documents in a form you already use or we’ve provided formats below for your convenience. The Excel worksheets can be completed on your computer. Or, to print and complete by hand, the PDF version is best.

Member FDIC | Equal Housing Lender