At Franklin State Bank, we’re more than just your local bank—we’re your business partner. Since 1908, we’ve helped small businesses, family farms, nonprofits, and commercial enterprises in Winnsboro and Franklin Parish grow and succeed. Whether you need a reliable checking account, a business loan, or tools to manage your cash flow, our local team is here to help.

Agricultural Loans – Franklin State Bank | Winnsboro, LA

At Franklin State Bank, agriculture is more than a business — it’s a way of life in northeast Louisiana. We’ve served farmers, ranchers, and agribusiness owners in Franklin Parish and surrounding areas for generations, providing flexible, affordable financing tailored to the unique needs of our rural economy.

Whether you’re buying land, covering operational costs, or upgrading your equipment, our agricultural loan programs are designed to help your farm succeed — season after season.

Farm Real Estate Loans

Invest in the future of your farm with long-term real estate financing.

Owning land is the cornerstone of most farming operations. Our farm real estate loans are ideal for:

Purchasing farmland, pasture, or timberland
Constructing new facilities like barns, irrigation
infrastructure, or grain storage improving existing land through clearing, drainage, fencing, or soil enhancement
Refinancing existing ag mortgages to reduce interest rates or free up working capital

We offer:

Fixed and variable-rate loan options

Competitive interest rates

Flexible repayment schedules matched to your operation’s revenue cycle

Local decision-making and fast approvals

Agricultural Equipment Financing

Finance the tools that keep your farm running efficiently.

Modern farming requires dependable equipment — and upgrading it doesn’t have to strain your finances. Our equipment loans cover:

Tractors, combines, harvesters, and sprayers
Irrigation systems, grain bins, and livestock feeding systems
Trucks, trailers, and other ag transport equipment
Specialized machinery for row crops, hay, or livestock

Benefits of financing with Franklin State Bank:

Loans tailored to match the lifespan of the equipment

Fast, local approval process so you can make timely purchases

Ability to preserve working capital while investing in necessary upgrades

Operating Lines of Credit & Seasonal Loans

Keep your operation running smoothly through every season.

Farming is seasonal, but expenses are year-round. Our operating loans give you the flexibility to:

Purchase seed, feed, fertilizer, fuel, chemicals, and other inputs
Pay for labor, equipment repairs, or emergency needs
Manage planting and harvest expenses with cash on hand

Features include:

Revolving lines of credit or short-term loan options

Interest-only payments during your operating season

Full repayment after harvest or as sales occur

Ability to renew annually for ongoing use

Who We Serve

We proudly work with:

Row crop producers (cotton, corn, soybeans, rice, wheat)
Livestock and poultry farmers
Timber and forestry operations
Hay and specialty crop growers
Multi-generational family farms and new agribusiness startups

Our ag lending team lives and works in the same communities you do. We speak your language, understand the land you farm, and are committed to helping your operation thrive.

Get Started with a Local Ag Loan Partner You Can Trust

Whether you’re expanding your farm or stabilizing your cash flow, Franklin State Bank is your trusted partner in ag finance. As a locally owned and operated bank, we’re committed to supporting Louisiana agriculture with financing that fits your needs — not a one-size-fits-all approach.