Farmer using tablet in front of grain elevators
Farmer using tablet in front of grain elevators

agriculture is in our roots, too

Ground-up financial support

Because we grew up in the top food-production states in the country. Because many of our bankers have degrees and direct experience in agriculture. And because our team members have 15 years of agribusiness experience, on average. When it comes to understanding the breadth of financial needs unique to the food and agribusiness industries, and the uncertainties that come with them, we add meaningful value to your business.

Solutions grown for you

Illustration of handshake

1:1 Dedicated banker who knows agriculture

One banker and a complete suite of food and agribusiness banking services. Your direct access to a dedicated banker comes with the expertise of a cohesive team that’s been customizing agribusiness financing for more than a decade. Whether your need is big or small, our team is here to help take care of it for you.

Illustration of dollar bill with arrow pointing toward it and arrow pointing away from it

Treasury management services

We know money can run through an agricultural enterprise like a combine through a grain crop. So we offer a range of services to more efficiently pay your vendors and process your customer payments, suited to your business structure.

Illustration of dollar sign inside of two rotating arrows

Maximize profits and liquidity

From automatic transfer offerings to liquidity management and commodity hedging, we’ve built our product offerings to flex with the seasonality and uncertainty of your business. Our team members are specialists in crop and protein production, so they can serve the demands of capital intensive operations.

Illustration of outstretched hand holding a small plant

Lending for all stages of growth

Every day matters, so we focus on faster lending for equipment, improvements, and specialized lines of credit. Need all of the above? We can customize a loan structure for your short- and long-term needs.

Learn about USDA Guaranteed Loans
Farm owner holding livestock in chicken farm building

Planting certainty in an uncertain business

You plant the groundwork, and we’ll provide the seed to your more secure future. If your operation requires growth financing, is restructuring due to succession planning, or simply adjusting to consumer preferences, we will help with key operational issues from start to finish. This includes underwriting agriculture deals through our specialized credit team and offering outside counsel with food and farm experience. With one team, one relationship, and complete transparency.

Our Recent Deals

Don’t take our word for it. Here’s the proof we know how to help businesses succeed.

$15 MM line of credit

  • A Midwest grain elevator and farm supply store needed financing quickly to expand its main facility in anticipation of demand. In addition to a $15 million line of credit, we secured a $7.5 million real estate note, and $500,000 toward future capital expenditures.

Alternative agriculture venture

  • Growth often requires change, and flexibility. When a traditional farming operation sought us out to advise on diversification of production enterprises, we lined up a $3.9 million line of credit, a $1.5 million equipment lease, and $700,000 for investments.

$2.5 MM for livestock accommodations

  • Hogs can fill a building quickly, so when a growing hog operation needed credit to expand, we presented a fast finance package which included a $1.7 million FSA-guaranteed note on the facilities with $600,000 for expansion, a $150,000 note for equipment, and a $100,000 line of credit.

The agribusiness team

Portrait of Jessica Lehman smiling

Jessica Lehman, Director of Food and Agribusiness

Jessica knows the banking needs of farmers from both sides of the fence. In addition to her 10+ years as a food and agribusinesses banker, she is an experienced farmer and part owner of a family-owned and -operated grain elevator and feed mill. Jessica earned her agriculture degree from Purdue University, is a graduate of the Indiana AgrIInstitute’s Agriculture Leadership Program, and is a member of the Agribusiness Council of Indiana. In the time she has left, Jessica volunteers with youth agriculture and leadership organizations.

Call Jessica: 260.445.2528

Zach Allen headshot

Zach Allen, Senior Relationship Manager

Zach Allen joined First Financial Bank as a Food and Agribusiness Relationship Manager in 2021. He has over 15 years of banking, lending, and credit experience with a special focus in commercial agriculture. Zach is native to West Central Indiana, a Purdue graduate, and grew up with a strong affiliation to production agriculture and agricultural lending.

Through his career and education, Zach has obtained expertise and relationships in both production agriculture as well as processing. He currently sits on the board of advisors for Indiana Dairy Producers and is the Treasurer for the Light for Levi Foundation, a charity dedicated to helping victims of traumatic brain injuries. Zach’s personal time is spent coaching youth sports and spending time with family.

Call Zach: 765.299.5354

Jade Newton headshot

Jade Newton, Relationship Manager

Jade started her career in the financial industry in 2019 and joined First Financial in early 2023. Native to Southwest Ohio, Jade grew up on a crop and livestock production farm. Her experience on her family farm led Jade to obtaining her agriculture degree from Wilmington College. She applies this background and knowledge daily as she serves her clients, providing thoughtful lending and banking solutions.

Jade serves as a trustee on her county Farm Bureau board and stays active in various community organizations. Jade enjoys spending time with her family, helping on their farm when she’s not on yours.

Call Jade: 937.733.1109

Portrait of Craig Wagner smiling

Craig Wagner, Commercial Underwriter

Craig is dedicated to accuracy and providing credit solutions that provide the correct options for the long-term success of the agricultural operations that we serve. Craig has been involved in agriculture his entire life with experiences in grain, dairy, beef, and hog production, gaining experience and knowledge that he has leaned on during his professional career with First Financial Bank. Craig’s career started in lending at First Financial Bank, where he has spent over a decade working in food and agribusiness lending in both sales and credit capacities. Craig holds a bachelor’s degree from Purdue University in Food and Animal Agribusiness.

Call Craig: 812.663.0150

Elisha Manley headshot

Elisha Manley, Food & Agribusiness Support Specialist

Elisha joined the team in 2023 as the Food & Agribusiness Support Specialist. She started her First Financial Bank career 16 years ago, where she has supported a variety of commercial lending markets as well as lead a team of support specialists. She brings a unique perspective due to her banking experience and her background in assisting with her family’s meat processing business. She is actively involved in her community and midwestern meatpacking organizations. Elisha helps support the team and our clients in a variety of ways. If you need an answer, she is the one to be able to find it! For any life of loan questions or assistance, call Elisha.

Call Elisha: 419.623.1218