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Preferred Branch

Mason City (641)423-1600 Change Location

Your Preferred Branch

Mason City Change Location

2601 4th Street SW
Mason City, IA 50401

Tel. (641)423-1600

Monday-Thursday: 9:00am - 4:00pm
Friday: 9:00am - 5:00pm
Sat: 9:00am - 12:00pm
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Change Preferred Branch

  • Charles City Branch
    300 North Main Street
    Charles City, IA 50616

  • Clarion Branch
    315 Central Avenue East
    Clarion, IA 50525

  • Kanawha Branch
    220 North Main Street
    Kanawha, IA 50447

  • Mason City State Street Branch
    33 East State Street
    Mason City, IA 50401

  • Mason City West Branch
    2601 4th Street SW
    Mason City, IA 50401

  • Mora Branch
    730 Forest Ave East
    Mora, MN 55051

  • New Hampton Branch
    124 West Main Street
    New Hampton, IA 50659

  • Osage Branch
    501 Main Street
    Osage, IA 50461

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Home Business Ag/Agribusiness Loans

Ag/Agribusiness Loans


We offer a number of lending solutions for agriculture and farming

At First Citizens Bank, we are proud to offer competitive rates on a variety of agricultural loans to fit your unique needs. Our lenders are comprised of farmers with many years of experience - even our support staff has farming experience - providing us with a true understanding of the importance of farmers in our community. 

Unlike many big banks, we don’t use outside firms. All of our credit decisions are made within our organization, allowing us to have the lending capacity to finance most farm operations and keep many larger loans in-house. 

Want to contact an ag lender?
 Contact One Nearest You

Whether you’re a farmer or other agribusiness, you’ll find a helping hand at First Citizens Bank:

  • Operating Loans
  • Crop and Livestock Production Loans
  • Letters of Credit
  • Lines of Credit
  • Working Capital Loans
  • Machinery and Equipment Loans
  • Real Estate Loans
  • Beginning Farmer Real Estate Loans
  • Farm Service Agency (FSA) Guaranteed Loans
  • Iowa Ag Development Authority (IASA) Loans
  • Minnesota Department of Agriculture/Rural Finance Authority Loans
  • Irrevocable Letter of Credit
  • Farmer Mac Ag Real Estate Loans
  • And more . . .

Ag loans from First Citizens Bank are available in 15 counties of Northern Iowa, from Webster City to Greene and Fayette, and north to the Minnesota border, as well as in Mora, Minnesota and surrounding areas.

Just getting started? At First Citizens Bank, we offer flexible financing with our access to the Beginning Farmer Tax Credit program which we are able to pass to newer farmers in the form of a lower rate. 

We are full-service and all operations stay within our bank, providing you with a truly personalized financial experience. Call or stop by your nearest First Citizens Bank office to discuss your specific needs with an agricultural lender.

With all of our ag loans, collateral is required, typically equivalent to what the loan is for and dependent on the repayment capacity and balance sheet of the loan applicant. Additional collateral depends on loan size. We do accept farm real estate as collateral and the amount of equity in the land required is scenario specific. The term of the loan will also be dependent upon the type of loan requested. Approval based on underwriting standards.

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