With more than 150 years of community banking history, we have a seasoned perspective on what it takes to support family farmers. Our experienced team will work with you to meet the specific challenges of your operation. Our product and services include:

Agricultural Loans

Loans for Cattle

Real Estate

Personal Credit

Crop Expenses

Equipment and Modernization

Call our Ag Lending Departments for more information or to arrange a personal visit.

Regional Agricultural Banking Managers

Agricultural Application Checklist

Agricultural Lending Contacts

With more than 150 years of community banking history, we have a seasoned perspective on what it takes to support family farmers. Our experienced team will work with you to meet the specific challenges of your operation. NBT Bank is dedicated to providing financing solutions to the production agricultural and farm business segment within Upstate New York. With years of devoted service to the agricultural community, our relationship managers can assist you with your operating. To inquire about our Agricultural Banking Products, contact the Agricultural Relationship Manager assigned to your area:

Edward Coates, SVP & Regional Agricultural Banking Manager
Phone: (607) 337- 6436
Email: ecoates@nbtbank.com

Patrick Costello, VP & Senior Agricultural Banking Relationship Manager
Phone: (607) 337-6151
Email: pcostello@nbtbank.com

Senior Agricultural Banking Relationship Manager for the following regions:
Madison and Oneida Counties

David Leverett, AVP & Agricultural Banking Relationship Manager
Phone: (607) 337-6152
Email: dleverett@nbtbank.com

Agricultural Banking Relationship Manager for the following regions:
Chenango, Tioga & Broome Counties

Thomas Weingart, VP & Senior Agricultural Banking Relationship Manager
Phone: (518) 673-3243 Ext: 1354
Email: tweingart@nbtbci.com

Senior Agricultural Banking Relationship Manager for the following regions:
Central Region, Delaware and Otsego Counties

Jennifer K. Conard, AVP & Agricultural Banking Relationship Manager
Phone: (518) 673-3243 Ext. 1310
Email: jconard@nbtbank.com

Agricultural Banking Relationship Manager for the following counties:
Albany, Fulton, Hamilton, Montgomery, Rensselear, Saratoga, Schenectady and Warren

Mollie J. Pulver, AVP & Agricultural Banking Relationship Manager
Phone: (518) 673-3243 Ext. 1348
Email: mpulver@nbtbank.com

Agricultural Banking Relationship Manager for the following counties:
Clinton, Franklin, Essex and St. Lawrence

Agricultural Lending Checklist

The following checklist will expedite the initial loan interview process by providing essential information for NBT loan officers to evaluate your request.

• Farm Financial Statement/Loan Application (including personal data on all business members)
  
  
• Deposit Account Worksheet
  
  
• Machinery Inventory Worksheet
  
  
• Payable/Receivable List
  
  
• Organizational Documents with Filing Receipts, i.e. Assumed Name Certificate (DBA), Certificate of Incorporation or Articles of Incorporation, Articles of Organization, Partnership Agreement, Certificate of Limited Partnership.
  
  
• Federal Income Tax Returns — 3 Years (Company and Personal)
  
  
• Income and Expense Projection — 12 Month
  
  
• Loan Request — Purpose, Amount, Collateral Available
  
  
• Experience — Education/Employment
  
  
• Brief Description of Business/ Business Plan
  
  
• Last 3 years production history (Milk Shipped, Crop Yields)

* For questions regarding any of these items, please contact Cindy Scafidi (Norwich) at 1-800-628-2265; Suzy Jones (Canajoharie) 1-800-495-8838, or Email: AgDept@nbtbank.com

*For assistance with development of business, contact NY FarmNet at http://www.nyfarmnet.org