Tell him that when YOUR banker is satisfied the check has cleared you will release the tractor.
You DO have an officer at your bank that you work with, right? Simply tell the buyer that when your guy at the bank is satisfied he can have the tractor, taking the matter out of your hands and turning it over to a professional. I've done that quite a few times, the bank folks are "cool" with it and a legit buyer should have no problem satisfying your bank.
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