Customer Notice

1/15/21 Update for Business Customers: New Paycheck Protection Program (PPP) loan funding is now available. Learn more.

2/16/21 Branch Lobby Status Update: All our drive-thru locations are currently open; however, our branch lobbies are closed due to COVID-19. We expect to reopen lobbies on Monday, March 1, 2021. Additional information here.

Commercial Loans

We'll be there every step of the way with smart financing solutions to help you get your business off the ground—to help you expand and grow—and to help you manage cash flow day-to-day.

  • Commercial Mortgages to purchase, renovate, expand or build a commercial property.
  • Business Equity Loans to fund a growing business. Whether expanding means a new building, new technology—or a merger or acquisition, let us show you how we can help your business grow and prosper.
  • Time Notes to support seasonal or non-recurring financing needs.
  • Term Loans that provide long-term working capital to purchase equipment or make improvements.
  • Letter of Credit assures contractual compliance and performance to third parties.
  • Revolving Line of Credit for short term working capital needs in a wide variety of industries such as retail, manufacturing, and real estate.
  • Small Business Administration (SBA) loans and Government Guarantee Programs may be available. Click here for SBA information.

The Local Lending Advantage

Working with a bank like First Columbia affords business owners important advantages you won't find at many other financial institutions.  As a community bank, we make decisions at the local level.  For you, this means lending decisions are made faster and with greater rate and fee flexibility. You will also be dealing with locally-based commercial lenders who have a keen understanding of our area's economy and the key drivers of local business.

We have a long history of working with businesses and are committed to helping our region grow and prosper. We invite you to talk with our locally-based commercial lending team.

Meet Our Commercial Lending Team
Paul Page

 Paul Page

 Chief Lending Officer


 NMLS 789643

Pam Young

 Pam Young

 Vice President

 Business Development Officer


 NMLS 480448


Taylor Farr

Taylor Farr

 Vice President


 NMLS 1081714

Jean MacDermott

 Jean MacDermott

 Vice President

 Business Development Officer


 NMLS 463259


 Melissa Fisher

 Vice President


NMLS 475224




Specialty Financing

Agricultural Financing

The Ag Business. It’s in our backyard. We’ve been working with local farmers for more than a century.  In fact, our original charter as Columbia County Farmers National Bank, was established to serve our farming community.

Today, we continue our commitment to this industry that is so vital to our region. We understand the many challenges and changes that today’s farmers face. Knowing what it takes to operate a successful farming operation gives us important insight that the mega-banks just don’t have.  Come talk with our local lenders about the financing we offer for crop inputs, equipment purchases and land purchases.

Municipality Financing

At First Columbia, we have a long history of working with our local municipalities. As a local bank, we are uniquely positioned to make lending decisions faster and with greater rate and fee flexibility than you’ll find at other institutions. We have expertise in financing solutions including:

  • Municipal Leasing
  • Tax Exempt Financing for capital improvements:
    • buildings
    • sewer and water facilities
    • purchases such as construction equipment, fire trucks and police vehicles
  • Revenue Anticipation Notes
School Financing

First Columbia supports our local schools in many ways, and helping schools manage debt is just one important way we work to make our schools stronger.

In the current interest rate environment, bank financing options can often times compete head-to-head with traditional bond issues. When you factor in upfront fees, legal costs, and the lengthy, overly complicated bond issuance process, bank financing can add up to the better choice.


Loans are subject to credit approval.