CoBank ACB (CBKLP) operates as a U.S. cooperative agricultural credit bank within the Farm Credit System, providing loans, leases, export financing, treasury services, investment products and other financial solutions to agribusinesses, rural power, water, wastewater, and communications providers; it also offers wholesale funding and liquidity to affiliated Farm Credit associations serving farmers, ranchers and rural borrowers nationwide. Headquartered in Greenwood Village, Colorado, outside Denver, the bank was formed in 1989 through the merger of 11 Banks for Cooperatives and conducts operations across all 50 states from regional banking centers, with an international representative office in Singapore. CoBank ACB targets cooperatives, rural infrastructure entities and agricultural exporters as primary customers, serving as the exclusive agricultural export credit agency among Farm Credit System banks. In April 2025, CoBank announced a strategic collaboration with Lamina to deploy an AI-enabled platform streamlining multi-lender transactions, syndicated loans and participations for enhanced efficiency across its Farm Credit partner network. The bank reported third-quarter 2025 financial results showing average loans up 5% year-over-year to $158 billion, reflecting sustained growth in its rural lending portfolio amid ongoing sector expansions like $8 billion in U.S. dairy processing investments through 2026. Recent credit ratings include S&P Global's AA- affirmation in September 2024 and Fitch's A+ stable outlook in December 2024.