Independent Banker - July 2018 - 46

AGRICULTURE
First State Bank president Mark Linville with (from
left) vice president Sandy Owens, loan off icer Melissa
Engel and administrative assistant Vicki Bermel.
The grass is greener in Nebraska
Generations-long customer relationships, sage and honest advice, and committed
employees regularly land Nebraska community banks among ICBA's top ag lenders.
By Ed Avis
ebraska is called the
Cornhusker State, and its
vast agricultural riches justify
the name. It comes as no surprise,
then, that Nebraska banks comprise
half of the top 10 agricultural lenders
in the under $500 million asset class.
First Bank and Trust of
Fullerton, an $82 million-asset
N
institution in eastern Nebraska, is the
12th-ranked lender in that category.
At least 95 percent of its lending is
agriculture related, says Kurt Pickrel,
the bank's president.
" We've been doing this since 1881,
so we have the systems in place, "
Pickrel says. " We work with a lot of
second- and third-generation farmers.
46 Q ICBA Independent Banker Q July 2018
They're not new to the business. "
Pickrel says the bank's success
is partially due to the advice they
provide these seasoned farmers.
" We do a lot of diff erent scenario
testing with them, " he says. " At
the end of the day, the farmers run
their own businesses, but we try
to give value-added advice and a
Photo: Crystal Junck

Independent Banker - July 2018

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Table of Contents
Independent Banker - July 2018 - Intro
Independent Banker - July 2018 - Cover1
Independent Banker - July 2018 - Cover2
Independent Banker - July 2018 - Table of Contents
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