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Capital Farm Credit

Rural lending cooperative offering agricultural financing

Overview

Capital Farm Credit provides credit and related financial services to farmers, ranchers, rural homeowners, and agribusinesses in Texas as the largest rural lending cooperative in the state and a member of the Farm Credit System. Its lending products include farm and rural real estate loans and operating lines of credit, delivered through about 70 offices to serve 192 Texas counties within a cooperative structure that aims for stable, long-term financing. It differentiates itself through its size in Texas, extensive local presence, deep knowledge of rural markets, and a member-focused, values-driven culture. Its goal is to meet the financing needs of rural America by supporting members through a cooperative, member-owned model that benefits both borrowers and employees.

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About Capital Farm Credit

Simplify's Rating
Why Capital Farm Credit is rated
C+
Rated B on Competitive Edge
Rated C on Growth Potential
Rated C on Differentiation

Industries

Quantitative FinanceFinancial Services

Company Size

201-500

Company Stage

N/A

Total Funding

N/A

Headquarters

Bryan, TX

Founded

1916

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What believers are saying

  • August 27, 2026 Javier Lemus became CFO, preserving finance leadership after a sudden transition.
  • April 22, 2026 Ag Crop Insurance acquisition deepens fee income and cross-sells risk protection.
  • September 2026 portfolio quality stayed 95.3 percent acceptable, supporting lending capacity and loss control.

What critics are saying

  • September 30, 2026 loans fell to $13.07 billion, signaling shrinking demand and slower growth.
  • August 2026 CFO Sally Lawson died; leadership continuity now depends on Javier Lemus.
  • West Texas cotton stress and higher nonaccruals pressure earnings, capital, and member retention by 2027.

What makes Capital Farm Credit unique

  • Texas-only cooperative scale gives CFC 192-county reach and $13 billion loan volume.
  • September 15, 2026 Terrain access gives members proprietary ag market intelligence and webinars.
  • March 27, 2026 AgriNext positions CFC as a lender-tech platform builder, not just a lender.

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Benefits

  • 401(k) Retirement Plan
  • 401(k) Company Match
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Parental Leave
  • Life Insurance
  • Disability Insurance
  • Tuition Reimbursement
  • Wellness Program

Company News

Land Broker MLS
Oct 17th, 2026
What is the Co-op Land Summit?

What is the Co-op Land Summit? Presented by the Land Broker Co-op in partnership with Capital Farm Credit, the Land Summit is an annual, in-person event that brings land professionals, landowners, lenders, industry experts, and other land professionals together for two days of education, discussion, and networking. It is focused specifically on rural land and also serves as the centerpiece of National Land Investment Month, an initiative dedicated to providing useful land information and land resources throughout the month of October each year. Education Focused on the Land Market Land is a specialized asset, and understanding it requires expertise that extends well beyond a traditional real estate transaction. Financing, agricultural conditions, taxes, water, infrastructure, development, technology, government policy, and economic trends can all influence how land is valued, marketed, purchased, and managed. The Land Summit brings experts from across these disciplines together in one place. The 2026 Land Summit, held October 1-2 at Capital Farm Credit headquarters in College Station, Texas, featured educational sessions covering the rural land market, economic and land-value trends, agricultural issues, tax strategies, legal developments, data-center development, artificial intelligence, mapping, property intelligence, land preservation, and the future of the land business. The goal is straightforward: provide attendees with information they can actually use. One of the defining features of the Land Summit is the range of perspectives represented. Speakers and participants come from rural real estate, agricultural lending, economics, law, agriculture, technology, public policy, tax and investment planning, and other sectors connected to land ownership and transactions. For landowners and investors, it provides an opportunity to better understand the forces affecting their property and the decisions they may face in the years ahead. The Land Summit isn't only about understanding today's market. A major part of the event is looking ahead. The 2026 program reflected just how quickly the land industry is changing. Sessions examined the growth of data centers and industrial development, emerging agricultural challenges, AI-powered mapping and property analysis, evolving tax strategies, and broader economic and regulatory trends. These topics have real implications for land values, transactions, investment decisions, and the way land professionals serve their clients. Education is an important part of the Land Summit, but so is connection. Networking breakfasts, lunches, breaks, receptions, and audience Q&A sessions are incorporated throughout the event, giving attendees opportunities to meet professionals and continue conversations outside of the formal presentations. Those relationships are particularly valuable in an industry where transactions frequently require expertise from multiple disciplines. The result is an event designed not simply for attendees to sit and listen, but to exchange ideas, ask questions, make connections, and learn from one another. The Land Summit is the in-person centerpiece of National Land Investment Month, which the Land Broker Co-op created to expand access to education about land ownership and investment. Over the years, National Land Investment Month has included webinars, educational articles, presentations, and other resources featuring organizations and land experts. Previous programming has addressed everything from land-market trends and financing to GIS mapping, eminent domain, taxation, carbon programs, property management, and emerging technology. The Land Summit takes that mission a step further by bringing the land community together in person. Ultimately, the Land Summit is about creating a forum specifically for land. It brings together professionals who work with land every day, experts who understand the forces affecting it, and owners and investors who have a direct stake in its future. You can learn more about the Land Summit, view the 2026 event schedule and speaker list, and access resources at www.landinvestmentmonth.com Charles Adams is the Chief Operating Officer of Land Broker MLS, where he oversees daily operations and strategic growth. With hands-on experience in land transactions, rural property markets, and real estate operations, he contributes expert insights to help buyers, sellers, and investors make informed decisions.

Morning Ag Clips
Sep 15th, 2026
CFC partners with Terrain to deliver expert insights for Texas ag producers.

CFC partners with Terrain to deliver expert insights for Texas ag producers. Customers can access Terrain's reports, presentations and industry outlooks. PUBLISHED ON September 15, 2026 Terrain was created by Farm Credit institutions to support the long-term viability of agriculture and the customers they serve. (Courtesy image) COLLEGE STATION, Texas - Capital Farm Credit has partnered with Terrain to provide customers complimentary access to the team of agricultural economists and industry analysts who deliver timely market intelligence and expert perspectives tailored specifically for ag producers. Agriculture in the modern age can be complicated, from fluctuating commodity markets and rising input costs to labor shortages, weather uncertainty and changing economic conditions. Terrain can help Capital Farm Credit (CFC) members navigate that landscape. Customers have access to Terrain's reports, presentations and industry outlooks that provide valuable insights and knowledge for decisions about risk management, planting, marketing and pricing, long-term planning and more. "At Capital Farm Credit, we're committed to helping our customers succeed not only with financing, but with resources that create lasting value," said CFC President and CEO Jeff Norte. "By partnering with Terrain, we're providing additional value to help producers make informed decisions in an increasingly dynamic environment." Terrain was created by Farm Credit institutions to support the long-term viability of agriculture and the customers they serve. Its mission is to provide actionable information and expert analysis that helps producers understand the trends shaping their businesses and identify opportunities ahead. The Terrain team includes economists and analysts with expertise across a wide range of agricultural sectors, including beef, dairy, grain, specialty crops and the broader rural economy. Their research examines the factors influencing agriculture at the local, national and global levels, helping producers connect market developments to real-world business decisions. Terrain delivers practical insights that producers can use to plan for the future, such as: * Understanding how interest rates affect costs * Evaluating labor availability and workforce trends * Assessing cattle market opportunities * Monitoring demand trends in renewable fuels This new partnership combines CFC's deep knowledge of Texas agriculture with Terrain's broad industry expertise. "The CFC team understands Texas agriculture, local communities and the unique needs of customers, while Terrain understands how what happens across the country, around the world and in other markets impacts a local operation," said Matt Clark, Executive Head of Terrain. "Together, we can help producers move confidently toward what's next." In addition to written reports and market outlooks, Terrain experts will participate in CFC customer events, educational programs, webinars and industry meetings across Texas. This partnership reflects Capital Farm Credit's ongoing commitment to delivering value beyond lending by equipping customers with the knowledge and resources needed to strengthen their operations and make confident decisions. About Terrain Terrain provides its analysis of economic factors, trends and agricultural markets to the customers of AgCountry(R) Farm Credit Services, American AgCredit(R), Capital Farm Credit(R), Farm Credit Services of America(R) and Frontier Farm Credit(R). To view the information that Terrain has to offer, visit terrainag.com. About Capital Farm Credit For more than 100 years, Capital Farm Credit has supported rural communities and agriculture with reliable, consistent credit and financial services that include home, land and agribusiness lending; equipment and facilities leasing, and insurance for crops and livestock. Capital Farm Credit is a proud member of the Farm Credit System with more than 600 employees, serving over 24,500 members and more than $13 billion in loan volume. Since 2006, CFC has returned $3.1 billion in combined cash and allocated equities to its members. Headquartered in College Station, Texas, Capital Farm Credit has offices serving 192 of Texas' 254 counties. For more information about financial services or its cooperative returns program, visit CapitalFarmCredit.com. - Capital Farm Credit

Agriculture Industry Watch
Aug 27th, 2026
Capital Farm Credit announces Javier Lemus as new CFO.

Capital Farm Credit announces Javier Lemus as new CFO. I look forward to working with this incredible team to ensure CFC remains financially sound to continue supporting the success of agriculture and rural communities across Texas." - Javier Lemus, Capital Farm Credit CFO COLLEGE STATION, TX, UNITED STATES, August 27, 2026 / EINPresswire.com / - Capital Farm Credit 's Interim Chief Financial Officer Javier (Javi) Lemus has been named executive vice president and CFO, effective Sept. 1. Lemus was named interim CFO following the passing of Sally Lawson, who served the Farm Credit System for 16 years. He was selected following a comprehensive search process that included several outstanding candidates. Previously serving as senior vice president and controller, Lemus has over 20 years of financial and accounting experience and is a certified public accountant (CPA), licensed in the state of Texas. "Throughout the process, Javi consistently distinguished himself through his strong financial expertise and deep understanding of the CFO role," said Jeff Norte, CFC president and CEO. "He has excelled in the interim CFO role, providing steady leadership, maintaining continuity during a period of transition, and demonstrating his ability to effectively lead the Finance Division." Lemus said he is excited to continue working with the executive management team and help advance CFC's mission of providing reliable, consistent credit and financial services to rural Texans. "It's an honor to be selected as the next CFO at Capital Farm Credit," Lemus said. "Sally was an exceptional mentor whose guidance, support and trust helped in my professional development. I look forward to working with this incredible team to ensure CFC remains financially sound to continue supporting the success of agriculture and rural communities across Texas." Before joining CFC in 2018, Lemus spent 11 years at PricewaterhouseCoopers (PwC) in the assurance practice where he provided audit services to clients in various industries such as banking, asset management, broker dealers, employee benefit plans and healthcare. He received a bachelor's degree in accounting from the University of Texas at Austin and a master's degree in accounting from Texas State University. He is a member of the American Institute of Certified Public Accountants (AICPA), the Farm Credit System's Accounting Standards workgroup and the Internal Controls over Financial Reporting workgroup. About Capital Farm Credit For more than 100 years, Capital Farm Credit has supported rural communities and agriculture with reliable, consistent credit and financial services that include home, land and agribusiness lending; equipment and facilities leasing, and insurance for crops and livestock. Capital Farm Credit is a proud member of the Farm Credit System with more than 600 employees, serving over 24,500 members and more than $13 billion in loan volume. Since 2006, CFC has returned $3.1 billion in combined cash and allocated equities to its members. Headquartered in College Station, Texas, Capital Farm Credit has offices serving 192 of Texas' 254 counties. For more information about financial services or its cooperative returns program, visit CapitalFarmCredit.com. Kacee Kirschvink Capital Farm Credit +1 979-822-3018 [email protected] Visit Agriculture Industry Watch on social media: LinkedIn Instagram Facebook YouTube Legal Disclaimer: EIN Presswire provides this news content "as is" without warranty of any kind. Agriculture Industry Watch do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the author above.

GlobeNewswire
Apr 24th, 2026
Top technology executives recognized at the 2026 HoustonCIO ORBIE Awards.

Top technology executives recognized at the 2026 HoustonCIO ORBIE Awards. Leading CIOs honored for leadership, innovation, and business impact. HOUSTON, April 24, 2026 (GLOBE NEWSWIRE) - The 2026 HoustonCIO ORBIE Awards honored leading chief information officers (CIOs) from SLB, ConocoPhillips, Oceaneering, ABM Industries, Expro, Houston Airport System, and Capital Farm Credit for their exceptional leadership. Hosted by HoustonCIO, one of over 50 Inspire Leadership Network chapters, the prestigious award honors CIOs who drive business transformation and industry impact. This exclusive event brought together top executives and industry leaders from Houston. The morning honored excellence in technology leadership across seven award categories at Marriott Marquis Houston. "Behind every technology innovation is a CIO leading the vision and shaping the strategy," said Anthony Dayao, HoustonCIO Chair. "The ORBIE Awards are the ultimate recognition program for the leaders behind the work." Meet the 2026 HoustonCIO ORBIE Award Winners: Sebastien Lehnherr, CIO, SLB, received the Leadership ORBIE. Billy-Joe Lafortune, General Manager, L48 Digital Technologies & Global Strategy, ConocoPhillips, received the Super Global ORBIE for organizations over $7.5 billion annual revenue & multi-national operations. Maria O'Neill, CITO, Oceaneering, received the Global ORBIE for organizations over $2.4 billion annual revenue & multi-national operations. Melanie Kirkwood Ruiz, CIO, ABM Industries, received the Large Enterprise ORBIE for organizations over $5 billion annual revenue. Scott Turner, CIO, Expro, received the Enterprise ORBIE for organizations over $1 billion annual revenue. Darryl Daniel, CTO, Houston Airport System, received the Large Corporate ORBIE for organizations over $500 million annual revenue. Joseph Paulraj, CDO, Capital Farm Credit, received the Corporate ORBIE for organizations up to $500 million annual revenue. About the ORBIE: The ORBIE is the preeminent executive recognition for C-suite leaders. Since 1998, the ORBIE Awards have recognized leadership excellence, building relationships between executives and trusted business partners, and inspiring the next generation of leaders. Finalists and winners are selected through an independent peer-adjudicated process led by prior ORBIE recipients based on the following criteria: * Leadership and management effectiveness * Business value created by technology innovation * Engagement in industry and community endeavors HoustonCIO ORBIE Keynote & Attendance: The keynote address for the HoustonCIO ORBIE Awards was delivered by Sebastien Lehnherr, CIO, SLB, who was interviewed by Al Lindseth, Principal, CI50 Advisory Services. Over 350 guests attended, representing leading Houston organizations and their technology partners. The following partners made the 2026 HoustonCIO ORBIE Awards possible: * Underwriters: Allata, BlueSky IT Partners powered by Bridgepointe Technologies, CG Infinity, Comcast Business, and Google Cloud * Gold Partners: Andersen, Nutanix, Rimini Street, Rite Software * Silver Partners: Cerebra, Cloudflare, Island, Cognizant, Palo Alto Networks, and Tata Consultancy Services * Bronze Partners: Authority Partners, Between Pixels, Breeadam, Cisco, HCL Tech, QADworks, Quinnox, Sbase Technologies Inc., Wei, and Wipro * Media Partner: Houston Business Journal About HoustonCIO: HoustonCIO is the preeminent peer leadership network of chief information officers (CIOs) in Houston. As one of over 50 chapters of the Inspire Leadership Network, HoustonCIO belongs to a national membership organization exclusively comprised of C-suite leaders from public and private businesses, government, education, healthcare, and nonprofit institutions. HoustonCIO led by a CIO Advisory Board, with support from an executive director and staff. Underwriter executives support the chapter and ensure the programs remain non-commercial and exclusive to qualified CIOs and members. About Inspire Leadership Network: Inspire Leadership Network is the preeminent peer leadership network of C-suite executives. With over 2,000 members across over 50 chapters, Inspire members serve public and private businesses, government, education, healthcare, and non-profit institutions. Inspire exists to help leaders thrive in today's most challenging executive roles. Media Contact Nicole Lammes [email protected]

Associated Press
Apr 22nd, 2026
Capital Farm Credit acquires Ag Crop Insurance Agency

College Station, Texas, April 22, 2026 (GLOBE NEWSWIRE) -- In an effort to provide the best risk protection for ag producers in the High Plains region of Texas, Capital Farm Credit has acquired Ag Crop Insurance Agency.

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