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Agriculture Lending and Farm Management Services

The First National Bank of Ottawa offers the following services to our Farmers:

The First National Bank of Ottawa will evaluate the financial status of our clients.   With extensive experience in agricultural financial analysis as a basis.  Consultation services can be provided for an entire farm operation, or a single enterprise.

Analysis includes:

  • Cash flow budgeting and analysis
  • Financial statement analysis
  • Operating and capital financing
  • Farm Service Agency Certified Lender*

Agriculture Loans

  • Short-term Operating Loans
  • Machinery and Equipment Loans
  • Farm Real Estate Loans

Farm Management Services 

The First National Bank of Ottawa provides a full-array of farm management services.  By becoming familiar with you, your farm, and expectations for the farm operation, The First National Bank of Ottawa can relieve you from the stress of farm management, while maximizing the use of your land.  Farm services include:

  • Negotiation of lease agreements and discussing with you the leasing alternative and financial benefits
  • Consideration of optimum crop rotations, tillage practices and compliance with government regulations
  • Market commodities
  • Farm Inspection
  • Monitor participation and compliance with government programs
  • Work with chemical applicator to maintain required pesticide usage documents
  • Recommend and make sure appropriate measures for land use restrictions are implemented
  • Monitor program for soil testing and long term fertility improvement
  • Suggestions for improvement and maintenance of property
  • Keep farm owner up-to-date and informed of decisions


 Kevin Hughes
Agriculture and
Commercial Loan Officer


Ben E. Spaniol
Farm Manager















* Illinois Farm Development Authority / Approved Lender



First Ottawa Bancshares, Inc. is the parent company of The First National Bank of Ottawa and its Branches: The First National Bank of Ottawa - Northfield, The First National Bank of Ottawa - Plaza,
The First National Bank of Ottawa - South, Morris National Bank and Trust, Streator National Bank, Yorkville National Bank and Trust, and First National Bank - Minooka.
First Ottawa Financial Services is a division of The First National Bank of Ottawa.

Main Facility: 701 LaSalle Street, Ottawa, Illinois 61350

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