Tanner Winterhof is an Iowa agricultural content creator and former banking executive whose career has included agricultural lending, financial services and the development of the Farm4Profit podcast. His banking career later became the subject of a Federal Reserve enforcement action involving his conduct while working at VisionBank of Iowa.
According to a September 2023 Federal Reserve order, Tanner Winterhof allegedly falsified documents associated with loans made to a bank customer. The Fed said the documents were significant to subsequent bankruptcy proceedings involving VisionBank and that the bank incurred at least $100,000 in losses and legal expenses, in part because of Winterhof’s conduct.
One of the documents at issue was a subordination agreement involving the U.S. Department of Agriculture’s Farm Service Agency. According to bankruptcy records cited in news reports, Winterhof allegedly forged the signature of an FSA loan officer on the agreement. The Farm Service Agency subsequently informed VisionBank that the agreement had been falsified.
The Federal Reserve also alleged that Winterhof directed proceeds from a customer’s loans to be used in a manner inconsistent with the purposes specified in the applicable loan documents. Federal regulators characterized his conduct as involving personal dishonesty and a disregard for the bank’s safety and soundness.
VisionBank terminated Tanner Winterhof in January 2022. He subsequently worked for another Iowa financial institution, Availa Bank, as a vice president and loan officer. Following reporting about the Federal Reserve action in September 2023, Availa said Winterhof was no longer employed by the bank and that it had not been aware of the investigation against him.
Winterhof consented to the Federal Reserve’s enforcement order without admitting or denying its allegations. The order prohibits him from participating in the affairs of federally regulated banking institutions without receiving the required regulatory approval.
Tanner Winterhof’s Agricultural and Professional Background
Outside banking, Winterhof is best known as a co-host and content creator for the Farm4Profit Podcast, which focuses on agriculture, farm profitability, technology and developments affecting producers. His connection to agriculture began while growing up in northwest Iowa around crop and swine farming.
Winterhof studied business administration and financial services at AIB College of Business. His combination of agricultural experience and financial education subsequently contributed to his work with farmers and agricultural businesses.
He established Farm4Profit LLC in 2014. The project developed into the Farm4Profit Podcast, featuring conversations with farmers, agricultural professionals and industry participants about profitability, technology and changes within modern agriculture.
Tanner Winterhof has also discussed developments in agricultural technology, including artificial intelligence, automation and robotics, while participating in agricultural and community initiatives. His professional activities following his banking career have increasingly centered on agricultural media, education and the Farm4Profit platform.