On February 1, Town and Country Bank / Peoples Prosperity Bank merged with Heartland Bank and Trust Company and operate as branches of Heartland Bank. Heartland Bank is a wholly owned subsidiary of HBT Financial, Inc., headquartered in Bloomington, Illinois. The merging of Town and Country Bank / Peoples Prosperity Bank data into Heartland Bank systems begins at close of business on Friday, April 21. To ensure a seamless transition, your online banking, bill pay, and mobile banking services may be unavailable from April 22 until the morning of Monday, April 24.

For the most up-to-date merger information, please visit https://www.hbtbank.com/welcome. Heartland Bank is committed to ensuring a smooth transition with a minimal impact on customers. Please look for additional information in the next few months.

Agricultural Lines of Credit

You work hard every day to keep your farm running smoothly. When you need to cover seasonal or unexpected expenses, access to an Ag Revolving Line of Credit makes covering your bills easy. An Ag Line of Credit has the funds you need, right when you need them. Heartland Bank and Trust Company work to find financial solutions for a diverse range of local farms. We’re proud to offer you a Farm Equity Line of Credit, empowering you to cover ongoing and seasonal agricultural costs.

What is an Ag Line of Credit?

When you need short-term cash for your day-to-day operating expenses, an Ag Line of Credit can help. From equipment repairs to seasonal seed purchases, a farm operating loan keeps you on schedule and running smoothly. Your ag business’s cash flow can vary dramatically from season to season, so farm operating lines of credit step in for a short term to help cover your bills. An Ag Line of Credit is a loan that only accrues interest as you use the funds, much like a credit card. You can get approved for the loan today and access it as needed in the future.

Ag Lines of Credit can help you with a variety of agribusiness-related needs:

  • Working capital
  • Livestock
  • Inventory
  • Irrigation systems
  • Capitalize on trade discounts

Why Choose Heartland Bank and Trust Company?

At Heartland Bank and Trust Company, our ag lenders are experienced in local agricultural standards. Loan applications are discussed and reviewed by members of your community, resulting in local decision-making and processing. Our agribusiness lenders pride themselves on their detailed, attentive service from application to closing.

Let Us Find The Right Solution for Your Ag Business

As your community bank, we understand the unique needs of our local farms and agribusinesses. Heartland Bank and Trust Company serve and empower local communities in Central Illinois and Metro East, one person or business at a time. Our branch locations include Springfield, Jacksonville, Lincoln, Decatur, Bloomington, Edwardsville, Fairview Heights, and Quincy. Our associates are ready to connect you with an agricultural lender. Request a consultation with our ag banking team today!

Benefits of an Ag Line of Credit

  • Provides greater financial flexibility
  • Repayment terms customized to fit around the unique needs of your farm operation
  • Funds available as you need them
  • Revolving credit – as the loan principal payments are made, funds become available for use up to your credit limit
  • Only pay interest on the advanced principal balance