Farming is Hard Work.

Long hours, complex equipment and weather make farming a true test of commitment. Our local farmers require a financial partner who is truly committed to their needs. 

Let's Get Started

Committed to Agriculture.

Our agricultural lending team will work with you one-on-one to find the right solution to achieve the unique financial goals of your business. We specialize in crop, beef and contract livestock producers, dairy farmers and fruit growers, as well as farm equipment dealers. 

Carroll County 4-H and FFA Fair

Products & Services

  • Short-Term Demand Loans
  • Working Capital Loans
  • Farm Loans
  • Lines of Credit
  • Installment Loans
  • Small Business Loans
  • Equipment Financing 
  • Deposit Accounts
  • Retirement Plans


"Z&Z Farms would truly not be where we are today without Wayne Steinour and the Bank. Every step of the way, Wayne and his team were there to support, offer advice and walk us through the details no matter how big or small." - Z&Z Farms LLC, The Workman's

"Andrea knows agriculture and is “one of us”. She can relate to a farmer and cares not only about farm financials but also can talk cows, equipment, crops, or any other issue that makes our farm successful. Both Andrea and Wayne have an outstanding enthusiasm for agriculture – and it’s contagious!" - LA-MEL-LO Farm, LLC - Rhonda Mellott, Larissa Mellott, Eli Rotz, Chance Rotz, and Ella Rotz

Agribusiness Lending Team

Get Started

Contact Online

Complete the Business Information Contact form to get started right away.

Contact Us

Talk with a local Agribusiness lender

We live and work here, giving you access to local experts that can help find the best agribusiness loan option for your unique needs.

Meet the Team

Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

Find an Office


We have a variety of calculators available for you.



Learn, explore, and stay up to date with the latest news and articles.

Visit the Blog


Check the latest rates for all our products!

Compare Rates