Meet Derek, Our Commercial & Agricultural Lender

The Heart of a Country

Small businesses and farms are the heart of America. Whether you're looking to start, maintain, or expand your business or farm, we're here to help.

  • Working Capital
  • Commercial Real Estate
  • New, Remodel or Expansion
  • Revolving Line of Credit
  • Overdraft Protection on Checking
  • Equipment Loan
  • Business Vehicle or Trailer
  • Operating or Crop Loans
  • Farm Real Estate
  • New, Remodel or Expansion
  • Revolving Line of Credit
  • Overdraft Protection on Checking
  • Cattle & Equipment Loans
  • Farm Vehicle or Trailer
  • 1-4 Family (Non-Owner Occupied)
  • Multi-Family (Non-Owner Occupied)

Contact Derek

Derek Freis - Member Business Loan Officer

Be sure to bring the following company financial information with you to your meeting with Derek:

  • Balance Sheet & Income Statement for the last 3 years
  • Most current interim balance sheet and income statement (not more than 90 days old)
  • Accounts receivable aging or listing
  • Accounts payable aging or listing
  • A list of all company debt including name of creditors and monthly payment amount if not broken out in a financial statement
  • One Year Proforma Balance Sheet, Income Statement and Cash Flow
  • Equipment List