Services

Farm Credit & Community Banks

Services

Talk to a Specialist

DK Partners specializes in providing tailored CPA services for Farm Credit Associations and Community Banks. With decades of industry-specific experience, our team offers expert financial statement preparation, internal audits, risk assessments, and ICFR testing and reporting.

We combine deep regulatory knowledge with a commitment to precision and integrity, helping financial institutions strengthen compliance, improve internal controls, and support long-term growth.

What are Farm Credit Associations & Community Banks?

Farm Credit Associations

Farm Credit Associations are part of the nationwide Farm Credit System, a government-sponsored network of cooperative lending institutions that provide financial services to the agricultural sector. These associations offer credit and financial products to farmers, ranchers, agribusinesses, and rural homeowners, helping to sustain and grow rural economies.

Key features of Farm Credit Associations include:

Member-Owned Cooperative Model – Borrowers are also owners, sharing in profits through patronage distributions.
Focus on Agriculture and Rural Development – Lending is tailored to the unique cycles and risks of agricultural operations.
Regulated by the Farm Credit Administration (FCA) – Ensures transparency, safety, and soundness of operations.

Community Banks

Community banks are locally-owned and operated financial institutions that focus on serving individuals, small businesses, and agricultural clients within a specific region. Unlike large national banks, community banks prioritize personal relationships and invest directly in their local economies.

Defining characteristics of Community Banks:

Local Decision-Making – Lending and operational decisions are made by people who understand the local economy.
Support for Small Businesses and Farmers – Community banks play a vital role in funding small enterprises and agriculture.
Compliance with Federal and State Regulations – Governed by agencies such as the FDIC and state banking commissions.

Who We Serve

At DK Partners, we proudly serve a diverse range of financial institutions dedicated to supporting rural communities and the agricultural economy. Our clients rely on us for precise financial oversight, expert regulatory knowledge, and strategic advisory tailored to their specific missions and challenges.

We work with

Farm Credit Associations
Federally regulated cooperatives that provide loans, leases, and financial services to farmers, ranchers, and agribusinesses. We support their need for transparent financial reporting and operational accountability.
Community Banks
Local and regional banks committed to personalized service and local lending. We help community banks maintain strong internal controls and meet regulatory standards while focusing on their community-driven values.
Credit Unions with Agricultural Lending Portfolios
Credit unions expanding into agri-financing turn to us for guidance on risk management and regulatory alignment.
Internal Audit and Compliance Teams
We serve as an independent partner to internal departments, offering supplemental audit, testing, and advisory services to enhance objectivity and resource efficiency.

Services We Offer

At DK Partners, we provide a comprehensive suite of CPA services designed specifically for the operational and regulatory needs of financial institutions serving rural and agricultural communities. Our team understands the unique challenges and compliance standards in this space and delivers solutions that enhance accountability, accuracy, and strategic oversight.

Financial Statement Preparation

We help prepare accurate, GAAP-compliant financial statements that align with Farm Credit Administration (FCA) and community banking standards. Our deliverables support transparent reporting, facilitate regulatory reviews, and empower stakeholders with reliable financial insights.

Internal Audits

Our internal audit services are tailored to evaluate key risk areas, operational efficiency, and compliance with regulatory requirements. We help you detect inefficiencies, prevent fraud, and reinforce a culture of continuous improvement.

Risk Assessments

We identify and evaluate risk exposures across financial, operational, and compliance domains. Our team provides detailed assessments and actionable recommendations to strengthen your internal controls and strategic planning processes.

Internal Control Over Financial Reporting (ICFR)

We test and validate your internal control systems to assist with accurate financial reporting and compliance readiness. Our documentation and reporting services prepare your institution for external audits and help ensure alignment with industry best practices.

Regulatory Compliance Support

We keep you informed and aligned with evolving regulations from the FCA, FDIC, and other oversight agencies. Whether you’re preparing for an exam or implementing new requirements, our experts provide timely, proactive guidance.

What to Expect

When Farm Credit Associations and Community Banks choose DK Partners, they receive tailored service from a team that understands the intricacies of rural financial institutions. Our deep experience in this sector means we speak your language, know your regulatory landscape, and deliver results that support both your operational mission and your compliance obligations.

Here’s what you can expect when working with us

Sector-Specific Onboarding
We begin with a detailed understanding of your institution’s charter, reporting obligations, and service areas—whether you’re part of the Farm Credit System or a state-regulated community bank. This ensures our work is not only compliant, but also aligned with your business model.
Custom Engagement Built for Rural Finance
From patronage refund accounting to agricultural loan portfolios and FCA or FDIC reporting standards, we design our audits, assessments, and controls to reflect the financial nuances specific to your institution.
Efficient and Transparent Collaboration
Our team communicates regularly with your staff and board throughout the process. We provide clear deliverables, keep stakeholders informed, and work with minimal disruption to your day-to-day operations.
Strong Regulatory Alignment
Whether preparing for a Farm Credit Administration exam or a state banking audit, our services include documentation, testing, and reporting that meet strict compliance standards. We help you stay ahead of regulatory shifts and reduce audit risks.
Trusted Long-Term Advisory
Many of our clients remain with us year after year. As your institution grows or evolves, we remain a constant partner—ready to support future planning, internal control enhancements, and strategic financial initiatives.

With DK Partners, Farm Credit Associations and Community Banks gain more than a CPA—they gain a compliance-savvy, industry-attuned advisor committed to their mission and accountability.

Why Choose DK Partners

With decades of experience in the financial services sector, DK Partners is uniquely positioned to serve Farm Credit Associations and Community Banks. We combine deep industry-specific expertise with the full capabilities of a trusted CPA firm, offering strategic insights and precise execution tailored to your regulatory environment.

Deep Industry Knowledge – Our team has hands-on experience in Farm Credit operations, allowing us to deliver practical, relevant solutions.
Regulatory Insight – We stay current on evolving standards from the Farm Credit Administration (FCA), FDIC, and other regulatory bodies to keep you ahead of compliance changes.
Independent, Objective Support – As a third-party CPA firm, we offer unbiased assessments that help strengthen internal controls and reassure stakeholders.
Long-Term Relationships – We’re not just service providers—we’re trusted advisors who grow with your institution and support its long-term success.