J. Less Guthrie

U.S. AgBank, FCB, is part of the Farm Credit System, a nationwide network of borrower-owned lending institutions and specialized service organizations. Congress created the System in 1916 to provide American agriculture with a dependable source of credit. Funds for lending operations are raised principally through the public sale of system-wide bonds and notes in capital markets. The bank provides funds for long-term real estate loans secured by first mortgages on farm and rural real estate. These long-term loans are made through Agricultural Credit Associations (ACAs) and/or Federal Land Credit Associations (FLCAs). They also provide short- and intermediate-term loan funds to Production Credit Associations (PCAs) and ACAs, and to other financing institutions (OFIs) serving agricultural producers. ACAs, FLCAs, and PCAs have direct lending authority and may operate under joint management. These jointly managed institutions may do business under the name of Farm Credit. U.S. AgBank, FCB serves Farm Credit Associations in Arizona, California, Hawaii, Nevada, Utah, Idaho, Kansas, Colorado, Oklahoma, and New Mexico. Associations provide credit and credit-related services to eligible borrowers for qualified agricultural purposes.

Pan American Bank provides commercial banking services. The bank offers services to individuals and small businesses. It also provides commercial, real estate, personal, home improvement, and automobile loans and accepts checking and savings deposits. The company was founded by Romana Acosta Bañuelos in 1964 and is headquartered in Los Angeles, CA.

F&T Financial Services, Inc. operates as a bank holding company for Finance & Thrift Co., which provides financial services. Its products include personal loans, auto loans, savings and money market, club account and commercial depository accounts. The company was founded in 2003 and is headquartered in Porterville, CA.

Federal Farm Credit Banks Funding Corp. provides loans to agriculture-producing companies and individuals. The company engages in issuing, marketing, and handling the Farm credit system’s debt securities. It offers discount notes, designated bonds, floating rate bonds, fixed rate bonds, and retail bonds. The company is headquartered in Jersey, NJ.

CoBank ACB engages in the provision of financial products and services. It offers loan programs, leasing services and other financial services including cash management and online services. The company was founded in 1916 and is headquartered in Greenwood Village, CO.

California Cattlemen’s Association represents California’s ranchers and beef producers in legislative and regulatory affairs. The company was founded in 1917 and is headquartered in Sacramento, CA.

Farm Credit West ACA operates as a financial services customer-owned cooperative that provides credit services to farmers, ranchers and agribusinesses. The firm provides real estate loans, equipment loans, leases, online banking and credit life insurance services. The company was founded in 1916 and is headquartered in Roseville, CA.

Pan American Bank provides commercial banking services. The company is headquartered in Porterville, CA.