Plains Land Bank is a Federal Land Bank Association (FLCA) and a proud part of the nationwide Farm Credit System, one of the most trusted and enduring rural lending networks in the country. Established by Congress in 1916, Farm Credit was created to ensure agriculture has a dependable, long-term source of financing.
Today, Farm Credit organizations serve farmers, ranchers, agribusinesses, and rural homeowners across the United States, providing a significant share of all agricultural credit. This broad reach and longstanding strength reflect Farm Credit’s stability and commitment to supporting rural communities.
As a cooperative within Farm Credit, Plains Land Bank delivers reliable, consistent financing tailored specifically to the needs of agriculture and rural living.
Our structure is built on the power of our stockholders. The customers we serve—farmers, ranchers, and producers—are the ones who guide our direction. They elect our board, set priorities, and ensure decisions are made for their benefit rather than for outside investors. Across Farm Credit, hundreds of thousands of customer owners participate in governing local associations just like ours.
Because of our connection with Farm Credit, Plains Land Bank is able to finance land in Texas while offering meaningful advantages to our stockholders, including:
- Competitive interest rates
- A direct voice in cooperative leadership
- Patronage dividends that return value to stockholders
The Cooperative Model
As a Farm Credit cooperative, Plains Land Bank is owned by its stockholders—the farmers, ranchers, and rural landowners we serve. Stockholders elect our board of directors, ensuring local leadership and a longterm focus on the needs of rural communities rather than the interests of outside investors.
This cooperative structure is a defining feature of the Farm Credit System and helps keep decision-making close to the people who rely on agricultural lending every day. It also reinforces our mission to provide dependable credit and financial services designed specifically for agriculture and rural areas.
One of the Cooperative Benefits: Patronage
Patronage dividends are a key benefit of our cooperative structure, allowing Plains Land Bank to return a portion of annual earnings to our stockholders. It’s one of the ways our cooperative model provides added value to those who own and use the association.
