Louisiana Land Bank

What Louisiana Land Bank does

Louisiana Land Bank, ACA is a cooperative agricultural lender that provides rural real estate and agribusiness financing throughout the state of Louisiana. It was established over a century ago (c. 1916-1920) and is part of the federally chartered Farm Credit System and Tenth Farm Credit District, making it the only Farm Credit institution authorized to serve the entire state. As a member-owned cooperative, borrowers become stockholders and share in earnings through a patronage program that has returned approximately 1.00% of average daily loan balance annually since 2015.

The institution's core offering is a portfolio of agricultural loan products including farmland, farm equipment, crop, livestock, poultry, timberland, agribusiness, recreational land, and hunting land loans, plus a specialized YBS (Young, Beginning, Small) New Generation Loan Program with reduced rates and flexible underwriting. Supporting services include USDA Risk Management Agency crop insurance, Mortgage Life & Disability Insurance, a Loan Calculator, an online loan application portal, and a referral program paying $200 Visa Gift Cards for eligible referrals. Its technology stack centers on Ag Banking Online (web platform plus iOS/Android apps) with 128-bit encryption for account access, loan management, and transactions; the platform is positioned for ease of use rather than as a differentiator.

Louisiana Land Bank distributes and services loans through a 10-branch footprint spanning Alexandria, Arcadia, Crowley, Hammond, Monroe (headquarters and admin), Opelousas, Port Allen, Shreveport, Tallulah, and Winnsboro, supported by loan officers, branch managers, appraisers, credit analysts, and an administrative office in Monroe. Revenue is generated primarily through interest income on loans (classified as subscription/recurring) and crop insurance commissions (managed services). Pricing is not publicly disclosed; rates vary by loan type, term, and creditworthiness, with both fixed and variable programs offered. The institution is privately held as a cooperative and is not publicly traded, with no subsidiaries, M&A activity, funding rounds, or external investors disclosed in the available data.

Name

Louisiana Land Bank

Legal name

Louisiana Land Bank, ACA

Website

https://louisianalandbank.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

Louisiana Land Bank is a member-owned cooperative agricultural lender and the only Farm Credit institution serving all of Louisiana. It provides farmland, equipment, crop, livestock, timberland, and recreational property loans through 10 branches statewide.

Ownership category

akta.pro rank

Product category

Agricultural Lending

NAICS

Support Activities for Agriculture and Forestry (115), Offices of Real Estate Appraisers (531320)

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG)

akta.pro secondary industries

Agricultural & Rural Development Banks (FSABAKAE), Government Wholesale Lending (FHA/VA/USDA) (FSALACAE)

Keywords

• Agricultural lending
• Farmland loans
• Rural real estate financing
• Crop insurance services
• Agribusiness loans

Headquarters

HQ city

Monroe

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Lending Interest Income: Louisiana Land Bank generates revenue through interest income on loans provided to farmers, ranchers, and rural property owners for farmland, equipment, crops, livestock, timberland, and recreational land. As a cooperative, excess earnings are returned to customers through the patronage program.
2. Crop Insurance Services: The bank offers crop insurance products through the USDA Risk Management Agency program, providing additional revenue streams and serving as a full-service agricultural financial partner.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Louisiana Land Bank is a member-owned agricultural lending cooperative providing loans for farmland, farm equipment, crops, livestock, poultry, timberland, recreational/hunting land, and agribusiness operations throughout Louisiana. The bank also distributes crop insurance products, offers the New Generation Loan Program for young and beginning farmers, and supports customers with Ag Banking Online web and mobile platforms. Borrowers become stockholders of the cooperative and participate in patronage refunds.

Product overview

Louisiana Land Bank is a financing cooperative providing agricultural loans throughout Louisiana, offering a comprehensive portfolio of loan products for farmland, equipment, crops, livestock, timberland, poultry, and recreational/hunting land. The company operates as part of the Farm Credit System and the Tenth Farm Credit District. Their product lineup includes core agricultural lending products (Farmland Loans, Farm Equipment Loans, Crop Loans, Livestock Loans, Poultry Loans, Timberland Loans, Recreational Land Loans, and Hunting Land Loans) complemented by Agribusiness Loans and the New Generation Loan Program for young/beginning farmers. Digital services include Ag Banking Online (web and mobile app), a Loan Calculator, and a Referral Program. Insurance products include Mortgage Life & Disability Insurance. The company serves the entire state of Louisiana through 10 branch locations and is the only Farm Credit institution serving all of Louisiana.

Differentiator

Problem solved

Functional benefit

Brands

• New Generation Loan Program: Competitive financing program for young and beginning farmers offering reduced interest rates and underwriting standards for land purchase or refinancing.
• YBS Program

Products and services

• Farmland Loans Financing for prospective and established farmers to purchase new farmland or improve and maintain existing farmland throughout Louisiana.
• Farm Equipment Loans Loans serving the unique needs of farmers and ranchers for purchasing new or used farm equipment to improve productivity and profitability.
• Crop Loans Working capital loans covering crop-related operating expenses throughout the growing season from planting to harvest to storage.
• Livestock Loans Working capital loans to help build and sustain agricultural operations raising cattle, sheep, pigs, and other animals.
• Poultry Loans Loans providing capital to build and sustain commercial poultry farming operations raising broilers, breeders, or pullets.
• Recreational Land Loans Financing for purchasing private land in Louisiana for outdoor activities including hunting, fishing, and off-roading.
• Hunting Land Loans Loans helping deer, duck, and other hunters throughout Louisiana purchase private hunting property and build hunting camps.
• Timberland Loans Loans specifically designed for the purchase and management of timberland, including reforestation, equipment, building construction, and refinancing.
• Agribusiness Loans Tailored financing for agribusiness operations to meet unique financial needs and goals.
• Crop Insurance Crop insurance products offered through the USDA Risk Management Agency program, providing agricultural producers with risk-management coverage as a full-service financial partner.
• Ag Banking Online Secure online banking platform for existing customers to access account information, manage loans, make payments, view statements, and communicate with the bank, secured with 128-bit encryption.
• Ag Banking Online Mobile App Dedicated mobile banking application for Apple iOS and Android devices providing smartphone and tablet access to Ag Banking Online for account management and transactions.
• Mortgage Life & Disability Insurance Insurance coverage that pays off or helps pay mortgage debt in the event of death or disability, available at reduced rates for Louisiana Land Bank customers.
• New Generation Loan Program (YBS Program) Specialized loan program providing competitive financing with reduced interest rates and flexible underwriting standards for young farmers (35 or younger), beginning farmers (10 years or less experience), and small farmers (under $250,000 annual gross sales) to purchase or refinance farmland.

Quantifiable outcome

• Historically patronized to stockholders 1.00% of average daily loan balance annually since 2015
• +2 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered minor.

• Louisiana Agricultural Consultants Association (LACA)minorGTM or Marketing Partner · 1 January 2024Agricultural professional organization. Louisiana Land Bank sponsors the LACA scholarship for students pursuing degrees in agriculture.
• Southern Ag CreditminorGTM or Marketing Partner · 1 January 2023Agricultural lending institution that participates in Farm Credit Fly-In events to Washington DC to advocate for the Farm Bill alongside Louisiana Land Bank.
• 4-HminorGTM or Marketing PartnerYouth development organization supported through LLB sponsorships and donations for agricultural education and youth programs.
• FFA (Future Farmers of America)minorGTM or Marketing PartnerAgricultural education organization for young people, supported through LLB sponsorships and donations.
• Louisiana and Parish Cattlemen's AssociationminorGTM or Marketing PartnerCattle industry association supported through LLB sponsorships and donations for cattle industry events and programs.
• Louisiana Council of CooperativesminorGTM or Marketing PartnerStatewide cooperative organization. LLB participates in Young Couples Conference and Youth Conference, sponsors events, and VP/Regional Sales Manager Rusty Jenkins serves as President.
• LSU Agricultural CenterminorGTM or Marketing PartnerAgricultural research and education institution supported through donations to LSU Agricultural Center Research Stations.
• USDA Farm Service AgencyminorStrategic or Co-development PartnerFederal agency supporting agricultural producers. LLB works with FSA for loan guarantees and participates in Farm Credit Fly-In events to advocate for Farm Bill priorities.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Southern Ag Credit: Farm Credit System association serving Mississippi, Louisiana, Alabama, and Tennessee with ag real estate and operating loans. Direct peer - same lender type, same GSE backing, overlapping Louisiana territory, and a documented co-advocacy partner of LLB.
• Capital Farm Credit: Largest Farm Credit association in Texas and part of the Tenth Farm Credit District, providing rural real estate, ag, and recreational property loans. Direct peer in structure and product set, with much larger scale.
• Texas Farm Credit: Farm Credit System lender serving Texas with ag real estate, equipment, and operating loans. Direct Tenth District peer, sharing funding bank (Farm Credit Bank of Texas) and similar patronage cooperative model.

Regional players

• Mississippi Land Bank: Farm Credit System association serving Mississippi with rural real estate and agribusiness lending. Regional peer in the same Tenth Farm Credit District with a similar small-state, single-territory, branch-based cooperative model.
• AgHeritage Farm Credit Services: Farm Credit association headquartered in Little Rock, Arkansas, serving eastern Arkansas ag producers. Regional peer within the Tenth Farm Credit District with overlapping crop/livestock lending focus and patronage cooperative structure.
• Alabama Ag Credit: Farm Credit association serving northern Alabama with rural real estate, livestock, and agribusiness loans. Regional peer in the Southeast, comparable in scale and mission, operating under the same Farm Credit System umbrella.
• First South Farm Credit: Farm Credit association serving Alabama, Mississippi, Louisiana, and Tennessee with ag real estate and operating loans. Regional peer overlapping LLB's territory with similar product offerings and cooperative structure.

Others

• Farm Credit Bank of Texas: The Tenth Farm Credit District's funding bank and LLB's parent entity; provides wholesale funding, capital markets access, and back-office services. Included as an ecosystem counterparty and the source of LLB's structural funding advantage.
• USDA Farm Service Agency: Federal agency providing direct and guaranteed farm loans, with which LLB collaborates on loan guarantees and Farm Bill advocacy. A public-sector peer/complementor in agricultural credit rather than a true commercial competitor.

Broad incumbents

• Compeer Financial: Large multi-state Farm Credit System association serving Illinois, Minnesota, and Wisconsin with a full suite of ag lending, leasing, and insurance products. A broader incumbent in the same Farm Credit System, illustrating a much larger scale of the cooperative ag lending model LLB operates.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/louisiana_land

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 Louisiana Land Bank