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Direct Lending

The bank’s Direct Lending Group provides customer service to the 15 local Farm Credit lending cooperatives and two Other Financing Institutions (OFIs) that own the bank. By maintaining close relationships with our owners, we increase the value we return to them.

Through our Direct Lending Group, we offer credit expertise and market development assistance that can open doors and help close deals for our local lending cooperatives. This team of highly skilled credit veterans will, for instance, help our lending associations evaluate their credit underwriting standards; implement risk-management strategies; and price, package and structure loans. This group also facilitates the bank’s participation in large agribusiness loans with the local lending cooperatives.

We are more than a funding source for our affiliated lending co-ops; we are an arm's-length partner. We enjoy a value-added relationship that positions the Farm Credit Bank of Texas and our owners to maximize profitability, seize opportunities and tackle the challenges ahead.