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Tailored Loan Solutions for Your Operation
North Carolina

Financing for Farmers

Flexible, locally managed financing built to support North Carolina’s growing agricultural community.

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First Bank and Trust Company is an Ag Bank. 

Ranked as the 3rd largest agricultural bank in the United States

Ranked 17th largest agricultural lender among all U.S. commercial banks by dollar volume, according to the American Bankers Association.

These distinctions highlight a deep, ongoing commitment to farmers, agribusinesses, and rural communities; relationships that are often overlooked by larger, national institutions.

 

 

Agricultural Lending

There’s Nothing that We Can’t Get Done, Together.”

First Bank and Trust Co. is a true Ag Bank, and lenders like Richard Harris have seen the industry changes. We have firsthand knowledge of the opportunities and challenges our farmers face. 

“I'm proud to be here for my customers in the good times and the bad times. We wholeheartedly believe that a customer is more than just a borrower, or a depositor, or a transaction. They are family, they are friends, and they are a priority. If something makes sense for a customer, there’s nothing that we can’t get done, together.”

—Richard Harris, VP/Agricultural Lending in North Carolina

That’s the philosophy of First Bank and Trust Company, and that’s the idea behind every loan that Richard makes.

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Agriculture is at Our Core

Supporting North Carolina's Farmers

Local Decision-Making: Loan approvals are made right here in North Carolina by lenders who know the market and your community.

Deep Agricultural Expertise: Our ag lenders have firsthand farming experience — not just financial knowledge.

Personal Relationships: Our customer service is based on relationship banking.

Flexible Financing: Competitive terms tailored for everything from family farms to commercial agribusinesses.

Statewide Reach: Branches and ag lenders serve North Carolina’s agricultural regions — mountains, Piedmont, and coastal plains.

 

Meet the Team

Agricultural Loan Options in North Carolina

Farm Real Estate Loans

Purchase or refinance farmland, pastures, and other agricultural property across NC, from family farms in the Piedmont to large operations in Eastern NC. 

Operating Lines of Credit

Manage cash flow during planting and harvest seasons.

Equipment & Livestock Loans

Finance tractors, irrigation systems, or livestock with competitive rates and flexible repayment options.

Agribusiness Loans

Support for larger operations, cooperatives, or agribusiness expansions.

FSA-Guaranteed Loans

As a USDA Preferred Lender, we make it easy for our NC farmers, ranchers, and agribusiness neighbors to apply for an FSA loan for land purchases or operating capital.

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First Bank and Trust Company offers land loans, equipment loans, operating lines, and FSA-guaranteed loans across NC.

 

No, you do not need to be an existing to apply for a loan with First Bank and Trust

Most agricultural loans are reviewed locally and can be approved within a few business days, depending on complexity.

Absolutely. Our North Carolina branches welcome walk-ins — find your nearest branch here.

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