Know What Your
Land Can Borrow.
Crop loans released before planting season. Equipment notes timed to harvest cash flow. The answer is already waiting below — no account required.
Preliminary Rate Estimate
No signup required — results are instant
Why Yield
Crop Operating Loans
Released before planting season, structured around your crop calendar — not a bank calendar.
Up to $2.5M · FSA EligibleEquipment & Machinery
Combine notes timed to harvest cash flow. Irrigation loans tied to growing season revenue.
Terms to 15 years · Same-week decisionsLand Purchase & Refi
First 640 acres for a young rancher. A third-generation wheat farm refinancing at better terms.
Up to 85% LTV · 30-year optionsNine decades of standing
between your land and the storm.
Yield has been FDIC-insured since the bank’s founding in 1934 — the year after the first Dust Bowl winter stripped topsoil from three states. Every deposit is federally guaranteed. Every loan is structured under Farm Credit Administration guidelines. The paperwork is airtight so the handshake can mean something.
Coverage Coordination
Integrated Policy View
Integrated Partners
Forbearance Activations — Drought History
Your loan and your policy
move together when the sky turns wrong.
Yield coordinates directly with USDA Risk Management Agency and five private crop insurance carriers. When an indemnity payment is triggered, your loan officer is already in the room — not waiting on a fax. Claim proceeds can be applied directly to principal, reducing interest accrual during the recovery season.
Claim-to-Payment in 14 days
Average indemnity coordination timeline for insured borrowers
Revenue Protection alignment
Loan structures keyed to RP guarantees, not just land collateral
PRF pasture coverage
Livestock and forage operations covered under integrated policy review
The land outlasts
every generation that works it.
Third-generation farms don’t need a bank that treats them like a new customer. Yield structures estate loans, buy-sell agreements between siblings, and heir financing that preserves operations through ownership transitions — without forcing a liquidation sale to cover inheritance taxes.
47 years
Average customer relationship
$0
Forced farm sales during forbearance
3rd gen
Average borrower generation
6 counties
Active service territory
Bank founded, first farm loan issued to the Hartwell family, Dodge County
First succession loan structured for a second-generation wheat operation
Federal Farm Credit Act alignment — full regulatory compliance established
Drought forbearance program activates; zero foreclosures on agricultural notes
Estate lending division launched for multi-generational land transfers
Record drought — 94% of borrowers retained land through forbearance program
Active portfolio: 1,847 agricultural loans across 6 counties
Trigger
USDA Drought Designation
Automatic 90-day payment deferral, no application required
Trigger
Flood / Hail Event
Loan officer contacts you within 48 hours of county disaster declaration
Trigger
Commodity Price Collapse
Interest-only conversion available for up to 24 months on qualifying notes
Trigger
Equipment Failure at Harvest
Emergency bridge loans disbursed within 5 business days
92 years. Zero forced farm sales.
Every drought. Every collapse. Every harvest that didn’t come in.
The policy exists before
you ever need to ask for it.
Yield’s forbearance program isn’t a favor — it’s written into every agricultural loan we close. When USDA designates a drought county, payment deferral activates automatically. You don’t file paperwork during a crisis. You focus on the land.
Since 1934, we have never foreclosed on a farm that was current on its loan before the disaster struck. That record isn’t a policy — it’s a covenant.
Your operation has a number.
We already ran it.
The calculator above already knows your acres, your crop, and your revenue. Click below and a local loan officer — not a call center — will have your file before you finish your coffee.