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Mississippi Land Bank is a cooperative and a part of the cooperatively owned wide Farm Credit System,. This means that we are owned by our member-borrowers and that they, in turn, share in our financial success when the association performs well. Earnings are returned to eligible customers through the form of patronage, usually in the form of a cash dividend.

Patronage payments are a cornerstone of the cooperative business model, and can significantly reduce the cost of borrowing for our member-borrowers. Mississippi Land Bank has a long-standing history of distributing patronage to its customers, returning more than $33.4 million since 1996.