Texas Farm Credit

What Texas Farm Credit does

Texas Farm Credit is a customer-owned agricultural credit cooperative (ACA) headquartered in Robstown, Texas, and operating as part of the federally chartered Farm Credit System with institutional affiliation to the Farm Credit Bank of Texas. Founded in 1916, the institution provides specialized financing and related services to farmers, ranchers, rural landowners, and rural homeowners across the state of Texas through a network of 26+ branch locations spanning major agricultural corridors from the Rio Grande Valley to East Texas.

The cooperative's core product lines are organized into four categories: agriculture loans (Ag Loans, Agribusiness Capital, Equipment Loans, Operating Lines of Credit, and the Young, Beginning, & Small Loan Program), land loans (Rural Real Estate, Ranch/Recreational, Land Refinancing, and Land Improvement Capital), home loans (Rural Home, Construction/Homesite, Mortgage Refinance, Traditional Mortgage), and insurance programs (Crop, Pasture/Rangeland/Forage, Livestock, and Credit Life). Supporting technology consists of a Q2-based online banking platform, native iOS and Android mobile applications, a self-service loan calculator, and a 'Land for Sale' property search tool; the institution is certified as both an Equal Credit Opportunity Lender and an Equal Housing Lender.

Texas Farm Credit's revenue model is interest income from lending products supplemented by commission income from insurance and ancillary services. As a cooperative, borrowers are member-owners rather than external customers, and pricing is not publicly disclosed — rates are set based on individual creditworthiness, collateral, and market conditions at the time of application. Distribution is a hybrid of branch-based relationship lending and digital self-service channels, with go-to-market targeting Texas-based SMB farmers, ranchers, agribusiness operators, rural land buyers, and rural homeowners, including a specific YBS program for next-generation producers.

Name

Texas Farm Credit

Legal name

Texas Farm Credit

Website

https://texasfcs.com

Company type

Private

Founded year

1916

Operating status

Operating

Headcount range

51–100 employees

Short description

Texas Farm Credit is a customer-owned agricultural credit cooperative, founded in 1916 and affiliated with the Farm Credit Bank of Texas, that provides agricultural loans, land loans, rural home loans, and crop/livestock insurance to Texas farmers, ranchers, and rural property owners through 26+ branch locations and digital banking channels.

Ownership category

akta.pro rank

Product category

Agricultural Lending

SIC

Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Farm Financial Management & Recordkeeping Services (AFACAJAC)

Keywords

• Agricultural lending
• Rural real estate loans
• Farm equipment financing
• Crop insurance
• Rural home loans

Headquarters

HQ city

Robstown

HQ country

United States

HQ region

North America

Offices26 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Agricultural Lending: Interest income from providing customized financing for farms, ranches, equipment, livestock, and agribusiness operations. Products include Ag Loans, Agribusiness Capital, Equipment Loans, and Operating Lines of Credit.
2. Land Loans: Interest income from financing rural real estate purchases, ranch/recreational land, and land improvements. Includes land refinancing products.
3. Rural Home Loans: Interest income from mortgages and construction loans for homes on rural properties, including purchase, construction, and refinance options.
4. Insurance Programs: Commission income from offering crop insurance, pasture/rangeland/forage insurance, livestock insurance, and credit life insurance products.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Texas Farm Credit is a customer-owned agricultural lending cooperative that provides customized financing for farms, ranches, agricultural equipment, livestock, operating expenses, rural land purchases, and rural home mortgages across Texas. It complements its lending portfolio with insurance products covering crops, pasture/rangeland/forage, livestock, and credit life, supporting risk management for agricultural producers and rural property owners.

Product overview

Texas Farm Credit is a customer-owned agricultural lending cooperative offering a comprehensive portfolio of financing and insurance products. The core offerings consist of four main product lines: Agriculture Loans (including Ag Loans, Agribusiness Capital, Equipment Loans, Operating Line of Credit, and Young/Beginning/Small Loans), Land Loans (Rural Real Estate, Ranch/Recreational, Land Refinancing, and Land Improvement Capital), Home Loans (Rural Home, Construction/Homesite, Mortgage Refinance, and Traditional Mortgage), and Insurance Programs (Crop, Pasture/Rangeland/Forage, Livestock, and Credit Life Insurance). Supporting tools include Online Banking, Loan Calculator, and a Land for Sale property search. All products are designed to serve Texas farmers, ranchers, rural property owners, and agricultural businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Ag Loans
• Agribusiness Capital
• Equipment Loans
• Operating Line of Credit
• Young, Beginning, & Small Loan Program (YBS)
• Rural Real Estate Loans
• Ranch/Recreational Land Loans
• Land Refinancing
• Land Improvement Capital
• Rural Home Loans
• Construction/Homesite Loans
• Mortgage Refinance
• Traditional Mortgage
• Crop Insurance
• Pasture, Rangeland, & Forage Insurance
• Livestock Insurance
• Credit Life Insurance

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/TexasFCS
• Facebookfacebook.com/texasfarmcredit

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Texas Farm Credit