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    Ag Banking

Agriculture Banking

Proudly serving area farmers since 1927, we continually recognize our local farm families and the important role the agri-business industry plays in our local community and economy.

Our agricultural lenders have over 50 years of combined agricultural lending experience and understand the ups and downs of farming. We know that flexibility and adaptability are essential when working in partnership with farmers to help you successfully meet your goals. To maximize the resources available to farmers, we work closely with the USDA Farm Service Agency, the Adult Farm Business Management Program, the Minnesota Department of Agriculture Rural Finance Authority and several other programs and businesses that are involved with the Agriculture Industry.

Customized Agriculture products

Pine Country Bank customizes Agricultural Loan Products for the following purposes:

  • Purchase or refinance of real estate, livestock and equipment
  • Farm construction projects
  • Farm operating lines of credit
  • Operating loans for crop inputs, feeder livestock, feed, fuel and other farm needs
  • Stock purchases

Pine Country Bank’s Credit Enhancement Products:

  • USDA Farm Service Agency Guaranteed and Direct Loan Program
  • Minnesota Department of Agriculture/Rural Finance Authority Participation Program
  • Farmer Mac Secondary Market Program
  • Small Business Administration Guaranteed and Direct Loan Program
  • Community Bank Loan Participation Program
  • United Banker’s Bank Participation Program

Pine Country Bank’s Agricultural Deposit Products:

  • Customized Checking Accounts
  • Savings Accounts, Money Market Accounts, Certificates of Deposit
  • Remote Capture (off-site deposit program)
  • ATM/Debit Cards

For additional information on the Ag Market, visit

Dave Cebulla, Tim Twardowski, Chad Van Beck

From Left to Right: Dave Cebulla, Tim Twardowski, Chad Van Beck.

Meet Our Ag Lenders

Our agricultural loan officers are happy to visit you on your farm, or you can simply stop by any of our convenient offices to meet with one of them. Let us know how we can help you meet your farm financial needs.

Dave Cebulla

Vice President/Chief Lending Officer

“I have been employed in the banking industry my whole career, and my specialty is agricultural business lending. I grew up on a dairy farm near Browerville, MN. Through my years on the farm I acquired a good understanding of the agriculture industry. I was formally educated at St. John's University, earning a bachelor's degree in Business Management.” My positions have evolved over the years and I am currently the Chief Credit Officer and Vice President of Pine Country Bank. I stay close to the lending function and I like seeing agriculture and business succeed.”

Tim Twardowski

Senior Agricultural Lender

“I was raised on a beef and crop farm northeast of Long Prairie and went on to college at Moorhead State University, where I received a bachelor’s degree in Business Administration. I have 20+ years’ experience in the Banking world. I joined the Pine Country Bank team in June 2014. Agriculture has always been my love and interest, and I understand the importance of it locally and world-wide. With my family, I run a beef cow/calf operation and raise crops for the cattle, which has given me a niche in being able to relate directly to the challenges associated with farming.”

Chad Van Beck

Senior Business Lender

“I have 29 years of commercial and agricultural lending experience in the local communities. I truly enjoy lending because I get to work with hard-working people and I can be a part of their team to help them be successful.”

Andrew Geisenhof

Loan Officer/Credit Manager

“Summers meant spending quality time at my grandparents’ hobby farm, located just west of Little Falls, MN. I learned that with farming, very rarely do things work out as planned. Problem solving and creative thinking often made the difference between a successful or not-successful day. I attended Little Falls Community High School and Saint John’s University, where I earned a Bachelor of Arts Degree in Economics. I enjoy being able to work with customers and find creative solutions for their financial aspirations.”

Mike Mastey

Agriculture/Commercial Loan Officer

“I grew up on a diversified crop and livestock farm in Central Minnesota. Upon completing my degree at the University of Minnesota, I taught high school agriculture in Olivia, MN, before moving to Belgrade, where I was a farm business management instructor for 20 years. After a short time in the private agricultural supply sector, I joined Pine Country Bank and enjoy the opportunities to get out to the farms and businesses and help provide the individuals and families the resources they need to be successful in their businesses..”