CoBank is a national cooperative bank serving vital industries across rural America. The bank provides loans, leases, export financing and other financial services to agribusinesses and rural power, water and communications providers in all 50 states.
We are also a proud member of the Farm Credit System, a nationwide network of banks and retail lending associations chartered to support the borrowing needs of U.S. agriculture and the nation’s rural economy. In addition to serving its direct retail borrowers, the bank also provides wholesale loans and other financial services to 22 affiliated Farm Credit associations serving approximately 70,000 farmers, ranchers and other rural borrowers in 23 states around the country.
Headquartered outside Denver, Colorado, CoBank serves customers from regional banking centers across the U.S. and maintains an international representative office in Singapore.
As an integral member of the Farm Credit System, our mission is to serve as a dependable provider of credit and other value-added financial services and support to agriculture, rural infrastructure and other similar businesses for the benefit of rural America.
Our Value Proposition
CoBank is a financially strong, DEPENDABLE, cooperative bank that provides credit and financial solutions to rural America. We are KNOWLEDGEABLE, responsive and committed to enhancing our CAPACITY to deliver a superior customer experience and competitively priced products, while maintaining the safety and soundness of the bank for future generations. We consistently demonstrate our FOCUS on rural America, repeatedly strive to be a trusted adviser for our customers and a trusted partner for those with whom we do business, while providing a meaningful return on shareholders’ investment and OWNERSHIP in CoBank.
Our Core Values
Board members and associates of CoBank are committed to core values that are essential to achieving the bank's mission and vital to delivering its value proposition:
Integrity — Honesty, trust and adherence to strong ethical standards are at the heart of everything we do. We conduct ourselves in the highest ethical manner, ensuring that our behavior in all matters is above reproach. We strive to maintain strong relationships with customers, associates, and partners that are sincere, honest and transparent. While our business is highly competitive and we must aggressively seek to maintain and grow our relationships, we will compete fairly and respectfully in the markets we serve. In doing so, we respect the importance of privacy and the safekeeping of confidential information.
Human Equity — At CoBank, our approach to attracting, developing, retaining, and valuing our associates reaches beyond the traditional construct of diversity and inclusion by incorporating the concepts of Human Equity. Human Equity commits us to an appreciation of the unique characteristics and strengths that each associate brings to our business, in order to strengthen our organization and enhance the value and service we provide to our stakeholders as well as position our associates to succeed. Awareness of unique perspectives, experiences and skills fosters a respectful and inclusive environment where differences are appreciated and every associate has the opportunity to maximize their engagement and performance.
Personal Excellence/Accountability — Every director and associate is critical to the success of our organization and is committed to the highest level of professional and personal performance. We expect each to take responsibility for their decisions and actions. As a cooperative bank and responsible corporate citizen, we consider all key stakeholders in all decisions.
Teamwork — We believe in putting the goals of CoBank and the Farm Credit System before the goals of any individual person or group. We can accomplish far more as a team than as individuals.
Mission Enrichment — As a member of a Government Sponsored Enterprise and a cooperative, we are driven every day to achieve our public policy purpose, protect and enhance the reputation of the Farm Credit System, and live by the seven cooperative principles. We recognize the diversity of our customer base, which includes agricultural cooperatives, producers, agribusinesses, Farm Credit System associations and banks, as well as rural infrastructure service providers, and community facilities with differing sizes, market sectors and business philosophies. We rely on cooperative principles as beacons to do the right thing, provide lasting value, and exceed the mere fulfillment of our mission, by demonstrating a broad based commitment to the communities and people of rural America.
Farm Credit SystemMore
CoBank is a member of the Farm Credit System, a national network of cooperatively owned financial service providers dedicated to supporting rural communities and agriculture throughout America and Puerto Rico.
Industries We ServeMore
CoBank's customers form the backbone of the economy in rural America — agribusiness, power, water and telecommunications.
Products and ServicesMore
Growing businesses need capital. Our job at CoBank is to provide the financing you need to be successful. We offer a broad range of competitively priced, flexible loan programs, leasing services and other financial services including cash management, online services and specialized financial services to meet your changing business needs.
CoBank is part of the Farm Credit System, which Congress formed in 1916 to fill a need for long-term agricultural credit. The System is a national network of lending institutions that provides production agriculture with more than 30 percent of its credit and financial needs. CoBank was created in 1989 through the merger of 11 Banks for Cooperatives.
All cooperatives are organized under a set of guiding principles which ensures that they are dedicated to their communities and committed to their member owners.