Farm Sprayer in soybean field spraying fertilizer

Agricultural Banking

As a community bank for more than a century, we've supported farmers and producers for decades.

Our bankers understand the complex needs that farmers have, and they work to create customized solutions for each customer's needs.

Your bank should understand your mission and our bankers do just that, offering custom banking solutions tailored to meet your farm's needs.

State Bank of Downs unites the personal service and flexibility of a community bank with the sophistication and convenience of a full-service financial institution.


Banking solutions customized to fit your needs. Call today.

Agriculture Real Estate

We know our customers are connected to their land, and we help them achieve their goals – from purchasing a farm to expanding the operation, refinancing an existing farm loan, and purchasing a farm with homestead, we are here to help.

Operating Loans

We partner with farmers and producers throughout the life cycles of their businesses, and we can support your business with a variety of products from a crop production loan or livestock operating loan to help with seasonal cash flow.

Farm Equipment

If you're looking to upgrade, fix, or just replace your farming equipment, we can help – whether you need a new truck, tractor, combine, or other specialized piece of equipment, we will create the perfect loan for you.

Livestock Loans

We understand the hard work and dedication it takes to manage a large livestock operation, and our bankers will work to create a custom-lending solution for when you are ready to expand your operation.