Meet our Commercial Lenders


Keith Hook Commercial Ag Lender

 Greg Farwell Commercial Lender

 Lori Welsh Commercial Ag Lender


Keith D. Hook
Commercial and Ag Lender
NMLS ID 507340

Greg Farwell
Commercial Lender
NMLS ID 507834

Lori Welsh
Commercial and Ag Lender
NMLS ID 507498


 Stephen-Clements Evan-Trenkamp-Lender    
 Stephen Clements
Commercial Lender
NMLS ID 420097
Evan Trenkamp
Commercial and Ag Lender
NMLS ID 419306

 Citizens First Bank NMLS ID 500158


Business and Agricultural Lending

When you need financing for major equipment expenses, livestock or crop production, we offer two financing solutions with repayment schedules designed specifically to match your cash flow.


Lines of Credit

Lines of credit to support your business cycle through short-term financing needs save you money because you only pay for the credit you use. Use your line of credit to take advantage of trade discounts, carry receivables, purchase inventory, or sustain seasonal sales growth.


Term Loans

Loans are available for long-term working capital, equipment purchases, plant expansion, property improvements and other general commercial purposes.


Commercial Mortgage Loans

Funds for the purchase, construction or refinance of commercial real estate are available through permanent financing, construction financing, or a combination of the two.


Vehicle Loans

Used for long-term financing of new and used cars, vans, trucks and other rolling stock.


Federally-Guaranteed Loans

These loans are extended by the bank with the guarantee of the federal government through the U.S. Small Business Association and enable your business to obtain secured financing when conventional collateral might not be adequate.


Business Credit Services

Citizens First Bank business credit card provides companies with a means for financing business purchases under a revolving payment method. Credit card services are subject to normal credit approval.