Deshler branch and agency staff talking a farmer in front of his cattle outside.

Weathering the Storm: How the Right Ag Lending Can Help Nebraska Farmers Navigate Uncertainty

Published July 28, 2025

Ben Pestel | Market President | Wisner Branch

In today’s unpredictable economy, Nebraska farmers face more challenges than ever: volatile commodity prices, rising input costs, shifting weather patterns, and global market pressures. At Midwest Bank, we understand that stability is hard to come by in agriculture. That’s why we offer flexible financial tools, like ag loans and lines of credit, to help local producers from Deshler to Pilger, from Plainview to York, stay resilient, no matter what the future holds.

The Reality of Farming in a Fluctuating Economy

Farming has always required grit, but in recent years, the stakes have grown. One season of drought, a spike in fuel prices, or a dip in grain markets can put serious pressure on even the most experienced operations. In times like these, access to reliable, responsive financing isn’t just helpful, it’s essential.

How a Line of Credit Can Keep You Moving

An operating line of credit gives you the flexibility to cover day-to-day expenses like seed, fertilizer, fuel, and labor, especially when cash flow is tight. It allows you to:

  • Respond quickly to changing input costs
  • Take advantage of early-purchase discounts
  • Manage seasonal cash flow gaps
  • Avoid high-interest credit card debt or emergency borrowing

A line of credit gives farmers breathing room. It’s about having the flexibility to make smart decisions without being forced into a corner.

Ben Pestel, Market President, Wisner Branch

Ag Loans That Grow With You

Whether you’re buying land, upgrading equipment, or investing in new technology, a customized ag loan can help you move forward with confidence. At Midwest Bank, we offer:

  • Real estate loans for land purchases or expansion
  • Equipment loans for tractors, combines, and precision ag tools
  • Livestock loans to support herd growth or facility upgrades

Our ag loans are structured around your operation’s cash flow and goals, not a generic template. That’s the power of personalized lending from a community bank that knows your name and your farm.

Community Banking, Local Strength

As a community bank, Midwest Bank is committed to more than just transactions; we’re committed to the people behind them. We live and work in the same communities you do, and we’re proud to support the local ag economy that keeps Nebraska strong.

When you bank with us, you’re not just getting a loan, you’re gaining a partner who understands the land, the risks, and the rewards of farming in Nebraska.

Let’s Plan for What’s Next

No one can predict the future, but with the right financial tools and a trusted partner by your side, you can face it with confidence. Whether you need a line of credit to manage the season or a long-term loan to grow your operation, Midwest Bank is here to help.

Visit your local branch or contact one of our ag lending specialists today. Let’s build a plan that helps your farm thrive, no matter what tomorrow brings.

Thank you for visiting Midwest Bank

The link you have selected is located on another server. Please click the "Go to URL" button to leave this website and proceed to the selected site.

Midwest Bank does not endorse this website, its sponsors, or any of the policies, activities, products, or services offered on this site or by any advertiser on the site.

Go to URL