Ag services

We're proud of our more than 125-year history of working with farmers across east central Illinois — home to some of the world's most valuable farmland. We understand the needs of agriculture professionals and offer flexible approaches to all types of lending services.

Farm production loans, operating loans and lines of credit
When you need seasonal or cyclical funds for expenses during the growing season, we have a variety of ways to help. For your convenience, funds can be deposited directly into your checking account and the loan or line of credit repaid with proceeds from the sale of the commodity produced.

Machinery and equipment loans
See us for the financing to purchase farm machinery, equipment and vehicles needed to operate your farm business. Terms range from 1 to 5 years, and our loan officers will work with you to structure the payment schedule around your specific cash flow needs.

Real estate loans
Long-term financing structured to match the cash flow of your farm is available for purchases of additional farmland, building structures and homes on your property.


Welcome to Philo Exchange Bank. We're a locally-owned bank dedicated to serving our customers and our communities. Our hometown focus guides the way we do business, ensuring that you always get the best in financial products and services.

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