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We know farming. We've been here for it.

Bank of Farmington has been lending to central Illinois farms for over 120 years. We understand the cycles, the risks, and the opportunities — because we live here too.

Farming isn't a 9-to-5 business, and it doesn't follow a predictable playbook. Weather changes, markets shift, and timing is everything. You need a bank that gets that — one that picks up the phone in March when you're planning your operating loan and doesn't disappear in October when you're negotiating grain prices.

At Bank of Farmington, your ag banker knows farming because they live in farm country. Lending decisions happen locally, on your timeline, with people who understand what you're dealing with.

Operating Loans

Cover seed, fertilizer, fuel, and day-to-day expenses with a loan structured around your production cycle. We'll work with you on timing, draw schedules, and repayment that lines up with your cash flow.

Let's Talk

Farmland Purchases

Buying ground is a big decision. We finance farmland acquisitions with competitive rates and terms — and a loan officer who knows the local land market.

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Equipment & Machinery

Tractors, combines, implements, grain handling — we finance the equipment that keeps your operation running. Terms are matched to the useful life of what you're buying.

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Livestock

Financing for cattle, hogs, and other livestock operations. We understand the production cycles and will structure repayment accordingly.

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Farm Buildings & Improvements

Barns, bins, shops, fencing, drainage — we finance the infrastructure improvements that make your operation more productive.

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Why BoF for Ag Lending

120+ Years in Farm Country

We've been lending to central Illinois farms since 1903. We know the land, the crops, and the people.

Local Decisions

Your ag loan is reviewed and approved right here — by someone who understands your operation.

Flexible Timing

Farming runs on its own schedule. We structure loans to match your production cycle, not a calendar in a corporate office.

FAQs

Does Bank of Farmington work with FSA/USDA programs?

We don't administer these programs directly, but we work with partners who do. If you're interested in FSA or USDA financing options, give us a call and we'll help you figure out the best path.

Can I get an operating loan for the upcoming season?

Yes. Call us early in the planning season and we'll set up your operating line so funds are available when you need them. We structure draws and repayment around your production cycle.

Ready to talk about your operation?

Talk to an Ag Banker