Don't get Dennis Utter started about the difficulties of competing against Farm Credit System lenders. The Nebraska banker has lost three of his best customers to Farm Credit in the past two years after lenders from the quasi-government agency allegedly underpriced his bank on loans to farmers.

"They want the really good customers, and they use predatory pricing to get them," says Mr. Utter, president of the $50 million-asset Adams County Bank.

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