Our Advantage - Cooperative Advantage

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Because of our successful financial performance in 2019, our board of directors approved the return of $7.8 million in cash to our stockholders.

Our patronage program is just one more reason it pays to do business with Louisiana Land Bank!

Patronage Program

Patronage is another distinct benefit of doing business with a cooperative. As a customer and stockholder of Louisiana Land Bank, you share in the co-op’s earnings when it performs well.

Every year, the Louisiana Land Bank Board of Directors decides how much of our earnings must be maintained as capital to fund our growth and how much can be returned to customers through our patronage program. Patronage can be distributed in cash or as allocated equity.

The more business borrowers do with the co-op, the greater their patronage refund. It is our way of returning a portion of the interest our borrowers paid on their loans.

In March 2020, Louisiana Land Bank distributed $7.8 million in cash to stockholders through our patronage program based on the association’s 2019 earnings.

Click Here to hear about patronage.

Cooperative Advantage

As a co-op, Louisiana Land Bank is owned by the people it serves. This structure gives borrowers—farmers, ranchers, agribusinesses, rural homeowners and other rural landowners—a strong voice in the association’s operations and a vested interest in its success.

Cooperative Structure	Advantages & Benefits
Co-ops represent "business with a face".	Most co-ops are locally owned and operated Customers know who they are doing business with Revenues stay local, so a co-ops income represents gains for the community People are drawn to co-ops because of strength, self-reliance and community focus
Co-ops #1 priority is to provide value for its stockholder-customers.	Co-ops are owned by the people who use the business, not by outside stakeholders Co-ops focus on providing better service at a lower cost
As owners, co-op customers have a say in the business's governance.	Co-op customers exercise the right to govern the business Co-ops offer a culture of transparency, which is far different from the culture of many investor-owned operations

YBS Lending Program

Are you a Young, Beginning or Small farmer or rancher? Learn how we can put our experience in rural lending to work for you.

Learn More About YBS

Career Opportunities

As a cooperative, Louisiana Land Bank, ACA is committed to the best interest of our stockholders as well as our dedicated workforce. As the leading agribusiness lender in Louisiana for over 100 years, we recognize that human capital is our most valuable asset.

Explore Job Opportunities