OUR Borrowers Benefit
Our cooperative lending model means every member earns.
What does it mean to be a member?
Paying It Forward by Paying it Back
This spring, we are proud to return $6 million to our members through our Patronage Program. Through the cooperative structure, our borrower-owners share in the success of Mississippi Land Bank, and this program allows us to give back a portion of our earnings to those who deserve it most, our members. This is our way of saying “thank you” for trusting us to be your lender of choice.
Our borrowers are our owners.
“Since 1996, Mississippi Land Bank has returned more than $75 million to its borrower-owners. That’s money put back into North Mississippi’s rural communities,” says Chad Crow, CEO. “When you finance through us, you become a stockholder and owner of this association and may be eligible to receive patronage returns, among other membership benefits.”
Stock Ownership
As a Farm Credit member-borrower, stock ownership gives you the right to participate in the business affairs of the cooperative, and to elect the board of directors or even run for board positions yourself.
More About Farm Credit
Cash Patronage
With our unique cooperative structure, customers are eligible for a cash patronage during times of financial success. For 2024, our cash patronage to our customers was $6 million.
More About Patronage
Establish Policy
Members elect the board members who establish policy. This nine-member team meets several times a year to advise and govern over the business affairs of our association.
Meet The BoardActive Voice
As member-owners, our customers—farmers, agribusiness owners, and other rural real estate owners—have an active voice in the way the organization's business operates.
View Our Financial Reports
