AgGeorgia Farm Credit

What AgGeorgia Farm Credit does

AgGeorgia Farm Credit is a member-owned agricultural lending cooperative headquartered in Perry, Georgia, and a chartered member of the nationwide Farm Credit System established by Congress in 1916. The cooperative provides specialized credit and financial services to farmers, ranchers, agricultural producers, and rural homeowners across all 79 Georgia counties, with a stated workforce of more than 130 employees serving more than 5,000 member-borrowers. Its product portfolio spans land loans, operating loans, equipment financing, farm improvement loans, poultry loans, livestock loans, agribusiness loans, home loans, and dedicated programs for Young, Beginning, and Small (YBS) farmers, complemented by leasing, crop insurance, digital banking, and property listing services. As a cooperative, AgGeorgia returns a portion of its earnings to member-borrowers through an annual dividend program, distributing nearly $20 million in 2026 and over $516 million in cumulative member returns since 1988 across 38 consecutive years of payouts.

AgGeorgia distributes its products and services through a multi-channel architecture: a physical branch network with on-site loan officers across 79 counties, a shared Farm Credit digital banking portal for self-serve account management, and a toll-free contact center. Marketing and customer development are supported by AGAware® financial education workshops, expert-led webinars (cotton marketing, estate planning), community events, social media presence, and grant programs including the Community Mission Fund and Farmers Market Grant. The cooperative operates under the regulatory oversight of the Farm Credit Administration and is funded through its partnership with AgFirst Farm Credit Bank within the Farm Credit System.

The revenue model is fundamentally a net interest margin business: AgGeorgia earns interest income on loans and returns a portion of net earnings to members via the dividend program, effectively reducing the all-in borrowing cost for member-borrowers. Loan pricing is not publicly disclosed and is set through direct consultation with loan officers, consistent with relationship-based agricultural lending. Strategic differentiation rests on three pillars: the GSE regulatory moat of the Farm Credit System, deep domain specialization in agricultural cycles and sub-sectors (poultry, livestock, row crops, pecans, produce), and a cooperative ownership model that aligns long-term borrower retention with member profit-sharing.

Name

AgGeorgia Farm Credit

Legal name

AgGeorgia Farm Credit, ACA

Website

https://aggeorgia.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

AgGeorgia Farm Credit is a member-owned agricultural lending cooperative providing land, operating, equipment, poultry, livestock, and rural home loans to farmers and producers across 79 Georgia counties, returning profits to members via an annual dividend program.

Ownership category

akta.pro rank

Product category

Agricultural Lending

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Farm Finance, Input Procurement & Risk Tools (Budgeting, Inventory, Insurance Links) (AFAAAFAO)

Keywords

• Agricultural lending
• Farm credit services
• Rural home loans
• Crop insurance
• Cooperative banking

Headquarters

HQ city

Perry

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Agricultural Lending: AgGeorgia Farm Credit generates revenue through interest income on loans provided to farmers, agricultural producers, and rural homeowners. As a cooperative, profits are returned to members through a dividend program.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

AgGeorgia Farm Credit is a member-owned agricultural lending cooperative that provides loans, leases, crop insurance, and digital banking services to farmers, ranchers, agribusinesses, and rural homeowners across 79 Georgia counties. Its loan portfolio covers land, operating capital, equipment, farm improvements, poultry, livestock, agribusiness, and rural home financing, supported by an annual cooperative dividend program that returns profits to member-borrowers.

Product overview

AgGeorgia Farm Credit is an agricultural lending cooperative offering a comprehensive suite of financial products and services to farmers and rural communities across Georgia. The core offering centers on credit products including land loans, operating loans, equipment loans, farm improvement loans, poultry loans, livestock loans, agribusiness loans, and home loans. The cooperative provides complementary services including leasing, crop insurance, digital banking, and property listings. Member benefits include an annual dividend program returning profits to borrowers. AgGeorgia also supports agricultural education and rural communities through programs like the AGAware Workshop, Community Mission Fund grants, Farmers Market grants, scholarships, and mental health resources.

Differentiator

Problem solved

Functional benefit

Brands

• AGAware®: Business and financial literacy workshop series designed to promote and educate young, beginning, and small farmers
• Community Mission Fund
• Farmers Market Grant Program

Products and services

• Land Loans Financing for purchasing agricultural land and rural properties, available to farmers, ranchers, and rural property buyers in Georgia.
• Operating Loans Short-term financing for day-to-day farm operations, agricultural inputs, and operating expenses for farmers and producers in Georgia.
• Equipment Loans Financing for farm equipment, machinery, and vehicles used in agricultural operations across Georgia.
• Farm Improvement Loans Loans for improvements, upgrades, and infrastructure enhancements to farm properties in Georgia.
• Poultry Loans Specialized financing for poultry farming operations, including broiler and pullet growers in Georgia.
• Livestock Loans Financing for cattle, poultry, and other livestock operations for Georgia farmers and ranchers.
• Young, Beginning & Small Farmer Loans Tailored financing programs for new, young, and small-scale farmers with specialized support and underwriting for emerging agricultural producers.
• Agribusiness Loans Financing for agricultural businesses and related enterprises beyond primary farming, serving the broader agribusiness value chain in Georgia.
• Home Loans Residential mortgage financing for farmers and rural property owners in Georgia's rural communities.
• Leasing Secure leasing options for facilities and equipment to keep farm operations running smoothly.
• Crop Insurance Insurance products to protect crops against loss, disease, and weather-related damage for Georgia farmers and producers.
• Digital Banking Online and mobile banking platform for member-borrowers to access accounts, make transfers, and manage loan payments.
• Property For Sale Listing service for agricultural properties available for purchase, connecting buyers with sellers in Georgia's rural real estate market.
• Dividend Program Annual profit-sharing program returning dividends to member-borrowers, effectively lowering the net cost of borrowing through cooperative ownership.

Quantifiable outcome

• Members received nearly $20 million in total distributions in 2026
• +2 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Partnerships

Two partnerships are on record.

• Farm Credit SystemOthersAgGeorgia Farm Credit is a proud member of the nationwide Farm Credit System, established in 1916 to provide a dependable source of credit to farmers and rural America. This is a cooperative network that provides funding and support to agricultural lenders across the United States.
• AgFirst Farm Credit BankOthersPart of the Farm Credit System network that provides funding and operational support to member associations serving agriculture and rural communities.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AgSouth Farm Credit: Farm Credit ACA serving Georgia and South Carolina with the same agricultural lending and member dividend model. Most directly comparable peer, with overlapping territory in Georgia counties, identical product suite (land, operating, equipment, poultry loans), and member-owned structure returning patronage refunds.
• Southwest Georgia Farm Credit: Farm Credit ACA also operating in Georgia counties with matching agricultural lending, leasing, and crop insurance products to farmers and rural residents. Splits Georgia's agricultural credit market with AgGeorgia under the same Farm Credit System umbrella.

Regional players

• Farm Credit of Florida: Fellow southeastern Farm Credit ACA serving Florida with the same cooperative structure and comprehensive agricultural loan portfolio. Strong model and product comparison point, though a different state geography.
• Carolina Farm Credit: Farm Credit ACA serving North Carolina with comparable land, equipment, operating, and rural home loans plus member patronage returns. Adjacent southeastern territory and identical product/customer mix.
• Farm Credit Mid-America: Larger Farm Credit ACA covering Kentucky, Ohio, Indiana, Tennessee, and Missouri. Same Farm Credit System, same agricultural lending and patronage model, just at much greater scale.

Others

• AgFirst Farm Credit Bank: Funding bank partner within the Farm Credit System that provides capital and operational support to AgGeorgia and other Southeast associations. Not a direct competitor, but a closely linked ecosystem participant that defines AgGeorgia's funding cost and product capabilities.
• Farm Credit Bank of Texas: Sister Farm Credit System funding bank serving associations in the Southwest. Comparable wholesale funding/cooperative structure within the same nationwide network — useful benchmark for funding economics, not direct competition.

Emerging players

• John Deere Financial: Captive equipment-financing arm of a major ag equipment OEM, competing directly for the equipment loan portion of AgGeorgia's product mix. Differentiates via manufacturer subsidies and point-of-sale integration.

Broad incumbents

• Rabobank AgFinance: Major global agricultural lender providing farm and agribusiness credit across commodities. Overlaps with AgGeorgia on commercial-scale farm loans and agribusiness credit, especially for larger Georgia operations, but is not specialized to southeastern row-crop/livestock borrowers.
• Wells Fargo Agricultural Banking: Large commercial bank with dedicated agricultural banking vertical serving farms and agribusiness nationwide, including Georgia. Provides comparable loan products but lacks the cooperative dividend-back pricing model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xtwitter.com/AgGAFarmCredit
• YouTubeyoutube.com/user/AgGeorgiaFarmCredit
• Facebookfacebook.com/AgGeorgiaFarmCredit
• LinkedInlinkedin.com/company/aggeorgia-farm-credit
• Instagraminstagram.com/aggeorgiafarmcredit

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AgGeorgia Farm Credit