February Is the Ideal Time to Review Your Ag Banking Needs
02/09/2026
February may feel like the quiet season on the farm, but it’s one of the most important months for financial planning. As planting season approaches, ag producers are making key decisions that impact cash flow, risk management, and long-term success. This makes February the perfect time to connect with your ag banker and review your ag banking strategy.
Prepare Your Operation with the Right Farm Financing
Input costs, fuel prices, and land expenses continue to fluctuate, making it essential to review your operating line of credit early in the year. February is an ideal time to ensure your farm financing reflects current costs and projected needs. A proactive review can help avoid surprises during planting and provide flexibility as the season unfolds.
Crop Insurance and Risk Management
Spring crop insurance deadlines are right around the corner. Your ag banker plays a key role in helping you understand how crop insurance works alongside your ag loans and operating line. Coverage decisions made now can directly impact your operation’s financial stability if weather or markets take an unexpected turn.
Tax Season and Financial Review
Tax season is another reason February matters in ag banking. Reviewing year-end financial statements and tax documents helps lenders better understand your operation and makes loan renewals and new credit requests smoother. Strong financial records support better borrowing opportunities throughout the year.
Equipment Loans and Capital Planning
If you’re considering new or used equipment, facility upgrades, or other capital investments, planning early opens the door to more ag loan options and competitive rates. Waiting until spring can limit availability and flexibility.
A Relationship That Works for You
Ag banking is about more than loans; it’s about understanding agriculture. An experienced ag banker knows the challenges producers face and helps tailor solutions to fit each operation.