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Farm Credit Patronage


At Plains Land Bank, our success depends on you. One of the most important financial benefits of being a Plains Land Bank customer is having the opportunity to share in our association’s earnings. Our commitment to sharing our earnings is rooted in our structure as a stockholder-owned cooperative. Our main priority is to maintain the safety and soundness of this association. This focus enables Plains Land Bank to help meet your financial needs for the growth and success of your operation both now and into the future.


As a Farm Credit financial cooperative, we are owned by the very same farmers, ranchers, and ag producers we call customers. These same people make up the stockholder-elected board of directors, and this structure ensures that the needs of the stockholders come first.

At the end of each year, the board of directors determines how much of our earnings need to be retained and how much patronage should be returned to our stockholders.


The amount of patronage you receive is determined by the earnings of the association and the average daily balance on your loans at year end. The more you borrow, the larger your share of the patronage.

The distribution of this patronage to our stockholders effectively reduces the cost of borrowing money and saves you money.

When you choose to do business with Plains Land Bank, you share in our financial success.

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...

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