West Texas National Bank

Growing Agribusiness

Serving the Agriculture Industry since 1904

West Texas National Bank has been financing ranch and AG production for over a century. Our locations are staffed by industry experts who understand the complexities, economic cycles and special financing needs required by agricultural commodities. From rural real estate mortgage to complex agribusiness financing, our lenders understand the difference between getting your business and growing your business.

You provide the food and economic prosperity our state and nation need. We’re proud to provide the financial support you need to do it.

Agricultural Financing

At WTNB, we provide competitive fixed and floating rates with convenient terms, including: monthly, quarterly and annual payments for customers with seasonal revenues. We provide a host of options in agricultural financing.

Purchase & refinance property

  • Purchase or refinance land for farming and ranching (not residential properties)
  • Flexible terms up to 10 years with longer amortizations layer
  • Secure your loan with the property you're financing
  • Borrow 60-75% of the property value (loan-to-value ratio layer varies by property type)

Purchase or lease equipment & vehicles

  • Flexible terms from 3-7 years
  • Secure your loan with the new or used item you're financing
  • Borrow 75-80% on purchases and 100% on leases

Finance your production expenses

  • Credit lines to finance production expenses related to farming and ranching
  • Credit lines for working capital available for agribusinesses
  • Term loans for breeding livestock; we offer flexible terms up to 7 years