Measuring Structural Change in U.S. Commercial Banks Involved in Agricultural Lending Using Loan Volumes

Monika Ghimire and Noah Miller

Choices: The Magazine of Food, Farm, and Resource Issues, 2025, vol. 40, issue 1

Abstract: Commercial banks are the leading lenders of non–real estate debt to farmers, with $72 billion debt (41%) of $174 billion total non–real estate debt, and the second leading lenders of real estate debt, with $109 billion debt (32%) of $345 billion total real estate debt in 2023 (USDA-ERS, 2024). Despite the entry of other lenders into the agricultural lending space, commercial banks have maintained their dominant position. Their widespread network of bank branches allows them to have a physical presence in local communities unmatched by other lenders. This physical presence gives them a deep understanding of the agricultural industry and the risks facing their farm patrons’ operations.

Keywords: Agribusiness; Agricultural Finance (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:ags:aaeach:349434

DOI: 10.22004/ag.econ.349434

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