Farm Credit Bank of Texas is a cooperatively owned wholesale bank that finances agriculture and rural America. It provides capital and services to 13 retail lending cooperatives, which offer loans for rural real estate, agribusiness, and agricultural production to farmers, ranchers, and rural property owners across Texas, Alabama, Louisiana, Mississippi, and New Mexico[1][3]. The bank's unique selling proposition is its focus on rural communities and its cooperative structure, allowing borrowers to have a vested interest and voice in the business[3]. This structure enables the bank to return earnings as patronage dividends, reducing borrowing costs for customers[3].