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Nebraska's Ag Bank

Committed to Agriculture.

Since 1902, Flatwater Bank has been serving the financial needs of Nebraska farmers and ag businesses.  We understand agriculture is a volatile business.  When it matters most, you need an expert who understands you and your operation. 

How We Help Ag Producers

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Our operating loans are flexible and ideal for financing the day-to-day expenses of your operation.
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Looking to add more horsepower to your operation? We offer competitive rates for various loans that can meet your needs.
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We offer financing for breeding and feeder livestock as well as feed expenses with flexible repayment terms.
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Whether you are investing in a land purchase (farm or pasture), making farm improvements, or expanding your operation we can make the financing process much less stressful. Our loan officers have the tools to build a package that works for you.
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We can work alongside local agencies to aid in financing your operation. We can help you determine if conventional, FSA, USDA, or beginning farm loans may be right for you.

Complete this form to start a conversation.

This form is intended for individuals at least 18 years old. If you're under the age of 18, please do not submit this inquiry form.

Why Choose Us? 

You need personal service from a banker who understands your needs.  We have focused on agriculture since 1902 and have worked with clients to build a solution around them. 

pivot in a cornfield Agriculture-Focus
Agriculture is in our roots and it’s the heart of the communities we call home. Our comprehensive understanding of the complexities of Nebraska agriculture and your ag business is what makes us unique. Agriculture is unpredictable and we are committed to work with you to ensure the good times outweigh the tough times.
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Personal Service with local decisions
You need a relationship with a lender who gets to know you and the unique needs of your operation. Rest assured, you will have direct access to a lender dedicated to understanding your goals and who has the authority to make decisions to customize a financing package to fit your needs.  
calf Flexible and Customizable Products
There is no one-size fits all approach when it comes to ag loans. Your banker will work with you to customize a loan package with flexible payment options to save you money and will work with your cash flow needs.

We offer the following agriculture loans:

  • 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.
  • Flexible repayment terms
  • Secured by newly purchased or owned equipment
  • Competitive rates. Please call or stop by for current rates.
  • Flexible repayment terms
  • Competitive rates. Please call or stop by for current rates.
  • Secured by livestock or farm assets
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

Stay Informed!

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