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Commercial Agricultural Lending

The philosophy of  Kinderhook State Bank  is to provide sound investments in our community that sustain and promote growth in an industry that is our way of life and our heritage. We know the importance of agriculture to the economy of the community. We provide dependable financial products with great customer service. We welcome you to drop in or make an appointment at your convenience, whether it’s before or after banking hours or on your farm.

Our President and Board of Directors understand agriculture. All have farmed or are currently farming. Some of our directors are among the most progressive farmers in Pike County. They understand what it takes to succeed in today’s agricultural environment.

Kinderhook State Bank is a strong supporter of the 4-H and FFA programs and John Wood Community College (JWCC).

We offer loans for most agricultural purposes



We know what it takes to successfully support your farming and business needs.

 We have learned from experience that people want to be treated like individuals.

That’s why we listen to you, and then provide the best possible solutions for your needs.

No matter how unique.

No matter how varied.



A short-term operating loan used for daily business operating expenses such as crop inputs, rent, feed, taxes, insurance, repairs, and feeder livestock purchases. Kinderhook State Bank understands how the cycles of farming can affect your business. We will work with you to tailor a loan that fits your operation and your cash flow.

  • Seasonal Loans

  • Term Loans

  • Revolving Lines of Credit

  • Draw Down Lines of Credit

  • Fixed or Variable Rates

  • On-line Access



Kinderhook State Bank offers quick and convenient loans on equipment and machinery. Our financing specialists can help you acquire the equipment and machinery you need, in a way that meets your financial objectives. Loans can be used for both new and used farm equipment and machinery, trucks, vehicles, breeding stock, buildings and/or improvements, irrigation systems, and debt restructuring.

  • Term Loans

  • Installment Loans

  • Fixed or Variable Rates

  • Secondary Market Financing

  • On-Line Access



Kinderhook State Bank offers more than just land, building, facilities, improvement, and restructuring loans. We offer creative financing solutions designed to meet your individual needs.

  • Term Loans

  • Installment Loans

  • Fixed or Variable Rates

  • Secondary Market Financing

  • On-Line Access



Kinderhook State Bank offers beginning farmer programs because we believe the future of farming is in assisting the next generation farmer.

For qualifications and further information on these programs, please click on the links below:

 FSA “Down Payment Farm Ownership Loan” Program

Illinois Finance Authority “Beginning Farmer Bond Program”




We make innovative use of state and federal government programs.

Illinois State Treasurer “Link Deposit Program”

FSA Guaranteed Loan Programs

Illinois Financing Authority Programs




Contact our Commercial Agricultural Lending staff today!

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