"They (Osgood Bank) were very fast, efficient, and we got our funds in just a few days... amazingly."

-Ken, Seger Farms

Bank well and be good with an agricultural loan that empowers you to:

Purchase farmland

Purchase Farm Real Estate Without the Headache

If you need to purchase ag ground or refinance existing farm debt, we offer agricultural real estate loans with flexible terms and low rates for strong operators. 

Finance farm equipment

Buy or Refinance Ag Equipment With Ease

Finance new or used farm equipment. Fixed rate or adjustable rate financing are available with repayment plans designed to fit your income stream.

Finance livestock purchase

Level up Your Herd With Livestock Loans

Livestock loans can be tailored to meet your specific financing needs, whether it’s for  cattle, hogs, feedlot or livestock breeding.

Operating line of credit

Gain a Peace of Mind With an Operating Line of Credit

We offer operating lines for all types of livestock and crop operations - with terms designed for your individual needs. 

Schedule a Meeting With an Agricultural Loan Expert:

Robb Armentrout

Robb Armentrout

I’ve been a lender with Osgood bank for over 7 years and have over 20 years of banking experience.  My clients know me best for my outgoing personality and devotion to doing what’s right for them.  Having held several different roles throughout my career, I can help you with almost any banking need you may have.

Zach Sommer

Zach Sommer

Having grown up in the area I take great pride in partnering with local businesses to help them achieve their financial goals. As a commercial lender it is very rewarding to see the growth in our communities through business development. With 15 + years of banking experience I am confident in my ability to think outside of the box and provide you the best value.

Katey Wibbenmeyer

Katey Wibbenmeyer

As the Senior Lending Officer, when you want to expand or have a question about your relationship, I'm just quick call or text away.  I'll provide sound advice and quick responses as we partner together to grow your business. 

"I've banked at Osgood from the beginning.  I got my first car from Osgood and from there, my business and home loans.  I've banked here my entire life."

- David B.

Get Answers To Frequently Asked Questions About the
Best Agricultural Loans in Ohio

Are farm decisions made locally?

Yes, all loan decisions are made locally for financing in Western Ohio - including Ag loans.

Much of our Board of Directors has deep agricultural roots and have both worked and owned businesses in the farming industry. Our team truly understands farm businesses and the challenges they face, including getting quick decisions from their banker.  

Do you offer cashflow guidance and business consulting?

Yes - we know how overwhelming and confusing planning and tax time can be. We're ready to offer our expert input and feedback to minimize your frustration and maximize your profits.

Can Osgood Bank handle all of my farm business and personal banking?

Yes - we're a full service bank with all of the options you need to manage your personal and farm finances. From direct deposit services for farm employees, digital payments, online banking, remote deposit services and lenders that care about the long-term success of your operation. 

Is Osgood Bank flexible enough to structure loans to accommodate my cash flow?

Yes ! Our focus on structuring loan terms to meet your specific needs sets us apart from other lenders.  This includes annual payment options for farm and ag operations.