Corn field during the day


Committed to Agriculture.

Since 1902, Flatwater Bank has been committed to serving the financial needs of Nebraska farmers and other agricultural support businesses, whose daily lives - and livelihoods - are affected by agriculture. Why choose us?

  • We make local decisions, have quick turn-around, and offer sound advice
  • We understand the opportunities and challenges unique to Nebraska agriculture
  • We'll structure a financial package to meet your lending, operating, and deposit needs
  • We invest back in your local community
  • Experienced Ag Bankers - meet our team here
Flatwater Bank has a staff of experienced agricultural bankers who are in-tune with the changing needs of agriculture. Our size allows us to have a high level of experience and still have strong personal service, which you deserve and expect.

Regardless of the size of your operation, we have the lending authority and ability to make local decisions allowing us to customize a financing package to fit your needs.

Our Agriculture loans include:

A loan for the expenses of your day-to-day operation.

  • Short-term financing
  • Can be used for production and other operating expenses
  • Flexible repayment terms
  • Secured by crops, real estate, or livestock
  • Competitive rates. Please call or stop by for current rates.
Looking to add horsepower to your operation? We have a loan to meet your needs!
  • Flexible repayment terms
  • Secured by newly purchased or owned equipment
  • Competitive rates. Please call or stop by for current rates.
We offer financing for breeding and feeder livestock and feed expenses.
  • Flexible repayment terms
  • Competitive rates. Please call or stop by for current rates.
  • Secured by livestock or farm assets
If you are considering buying real estate or refinancing, give us a call. Whether you are acquiring new property, building a new facility, or expanding an existing one, we can make financing your large real estate purchases a lot less stressful. Our loan officers have the tools to structure a financing package that works for you.

We offer the following:
  • Conventional Land (farm or pasture) Purchase Loans
  • Ag Real Estate Refinancing
  • FSA Beginning Farmer Loans
  • Farm Equity Loans
  • Farm Improvements
  • FSA Guaranteed Farm Ownership (FO) Loans