Skip to main content

About Plains Land Bank

Our main priority is to improve the means and well-being of farmers, ranchers, and rural life in the Texas Panhandle.

Located in Amarillo, Pampa, Perryton, and Plainview, each of our bank branches serves residents from multiple counties. Our seasoned agricultural lenders are ready to help you find financing that suits your real estate needs.

Plains Land Bank was created as part of the Federal Farm Loan Act of 1916 to increase credit for rural family farmers. The act was signed into law by President Woodrow Wilson. Since the beginning, the National Farm Loan Association acted as a cooperative meaning the borrowers also owned shares of the association. We are a cooperative that operates under the Farm Credit Systems. Not only do customers enjoy competitive interest rates, but they also own shares of the association.

To showcase our commitment to rural communities and agriculture, we designed the Young, Beginning & Small (YBS) Loan Program. Through the initiative we support farmers who are just starting out and help them achieve their dreams faster. To qualify as a “young borrower,” you need to be a farmer, rancher, or producer age 35 or younger.

A “Beginning Borrower” has 10 or less years of agricultural experience, while a “Small Borrower” earns less than $250,000 in annual gross sales of agricultural or aquatic products.

Ready to finance your first farm or expand an existing one? Visit one of our locations today!

Talk with our qualified lenders today and see what we have to offer.

Board of Directors

Our board of directors is made up of experienced individuals with extensive knowledge of the agriculture industry. They bring a wealth of expertise to guide the bank’s decisions, provide strategic direction, and ensure long-term sustainability.

Meet the Board...


The leadership team at Plains Land Bank is comprised of seasoned professionals who are dedicated to serving the needs of our customers. They work collaboratively to ensure that our bank is well-positioned for continued growth and success.

Meet the Team...


Visit us at any of our four convenient locations in Amarillo, Perryton, Pampa, & Plainview to experience exceptional service and learn more about the banking solutions we offer. We look forward to seeing you soon!

Find a Branch...

Kay Lynn McLaughlin

Chief Executive Officer

a Message from our CEO


Our mission of “Helping People Own a Piece of Texas” in good times and in bad, is just that. Plains Land Bank sets itself apart by providing in-depth knowledge and expertise in agriculture and rural residence lending through personalized service when our stockholders need it most. Through the cooperative model, our team’s commitment remains superior customer service, a financially safe and sound association, while at the same time providing a strong return to our shareholders in the form of an all-cash patronage.

At Plains Land Bank, our staff is dedicated to serve our stockholders and seek customized financial solutions. The year 2022 would prove no different as challenges continued to progress throughout the world economy and impact all facets of agriculture. Commodity market volatility, supply chain and essential product inventory disruptions, regional drought, an historic increase in inflation and a rapid rise in interest rates would create a an unpredictable and uncertain environment for all our stockholders.

The agriculture industry has long displayed resilience, heart and dedication in producing and providing the world with food, fiber and fuel. The Texas Panhandle and you our stockholders, set the example for all to follow as you continue your long history of success in the face of adversity.

Despite the challenges faced in 2022, thanks to our stockholders and our dedicated team of employees, Plains Land Bank enjoyed a year of strong portfolio growth, while also maintaining excellent credit quality. Record earnings resulted in the board’s decision to issue the largest all-cash patronage in the history of this association. We continue to work hand in hand, improving efficiencies through technology, to deliver personalized services to quickly meet the needs of these uncertain times. As we have for over 100 years, Plains Land Bank will be here so that together we can help continue the legacies that you tirelessly work to pass on to future generations.

Thank you for your continued business.

Best Regards,

Kay Lynn McLaughlin
Chief Executive Officer


As a stockholder, you share in the profits through our patronage program. In 2020, we returned a record $8.8 million in cash to our stockholders. Learn more about this program.


Farm Credit System

As Farm Credit System stockholders, we provide financing for people who live and work in rural America. Learn everything about the largest agricultural lender in the United States.

Learn About FCS...


Join our team and help people finance their dreams of owning land in the country. Browse open positions in our Amarillo headquarters and our branches in Pampa, Perryton, and Plainview.

See Job Openings...

Whistleblower Program

It’s important we hold ourselves to the highest standards of ethics. This program is designed for you to safely and anonymously report concerns about suspected fraud-related activities.

Ethics Program...

You are now leaving Plains Land Bank, FLCA

Plains Land Bank, FLCA provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Plains Land Bank, FLCA, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL

Skip to content