Ag/Business Loans

When it comes to farm loans, nobody works harder or understands your needs better. We are proud to be a Preferred Lender through the Farm Service Agency which allows us to offer guaranteed and beginning farm loans with variable and fixed rates. Our Ag lenders look forward to meeting with you at your farm to understand how we may help you.

Starting a business can be an exciting venture offering many rewards. Most businesses require some form of financing. We will take the time to understand the challenges and opportunities your business faces and will help you find the best products and services suited for your needs.

  • Machinery Equipment
  • Farm/Land Assistance Loans
  • Fixed Asset Loans
  • Business Mortgage
  • Lines/Letters of Credit

Home & Real Estate Loans

Buying a home for many people will be the biggest investment you will make in your lifetime. Making the right choice when it comes to financing is an important decision that could make your dream of owning a home come true.

Financing your home requires thought and planning. We can help you determine what your mortgage needs are, assist you with pre-qualification, and find the right program for your needs. In today's loan market, you have a variety of programs to choose from secondary market long-term fixed rate, in-house balloon, and guaranteed rural housing.

Our loan officers will help you examine your needs and long-term goals and find the program that is right for you. We have mortgages that are geared toward both first-time and experienced homebuyers. Whatever your financing needs are, we will help you choose the right program.

Secondary Market Fixed Rate Mortgages: If you want the stability of a set rate for the life of your loan, then a fixed rate mortgage may be the way to go. Usually the longer the term of the mortgage, the more interest you pay over the life of your loan. However, a longer term means your monthly mortgage payments will be less than they would be with a comparable shorter-term mortgage.

Balloon Mortgages: A type of mortgage that is like the traditional fixed-rate or variable-rate loan except that it is due after a specified amount of time has elapsed. When the loan matures, the borrower must pay off the loan (balloon payment) or refinance.

Construction Loans: With lower payments during the construction period.

Bridge Loans: To assist with financing while waiting for the sale of your property.

Home Equity (second mortgages): Allows you to increase your borrowing power by borrowing against the equity you've earned in your home.

Guaranteed Rural Housing Loan Program: This program helps us work with low and moderate income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.

Home Equity Loans

Are you considering a trip or purchasing a new vehicle? A Home Equity Line of Credit or Loan allows you to borrow against the equity you've earned in your home. A Home Equity Line of Credit or Loan allows you to:


  • Use the equity you've earned in your home for any purpose
  • May reduce your interest expense.

Home Equity Line of Credit: Offers flexible repayment terms, low minimum monthly payments and easy access by check.

Home Equity Loan: You along with your loan representative establish a repayment schedule to meet your needs.

To apply for a loan, visit First National Bank at Darlington to receive an application, or contact us today at (608) 776-4071.


Personal/Vehicle Loans

We will work with you to find a personal loan that fits your needs. Our loan specialists can design a loan program that is right for you. We offer a complete line of services and programs designed to give you the flexibility you need and the best interest rates possible.

  • New and Used Vehicles
  • Recreation
  • Credit Card Applications
  • Many More!

Contact us for help with your questions