Comparing bank and FCS farm customers

Steven R Koenig and Charles B Dodson

American Bankers Association, 1995, vol. 08, issue 2

Abstract: The Farm Credit System (FCS) and commercial banks dominate farm lending, holding nearly 2/3 of the total farm debt owed by farm operators, according to the US Department of Agriculture's Farm Costs and Returns Survey data for 1991-1992. The FCS' farm operator debt tends to be concentrated among wealthier, larger, older, and higher income operators, while commercial bank debt is spread among a broader range of operators that more closely resemble all indebted operators. The FCS data suggest that the FCS could pursue market share more aggressively. The FCS has lost about 10 percentage-point market share over the last 10 years, much of which has been lost to commercial banks.

Keywords: Agricultural; Finance (search for similar items in EconPapers)
Date: 1995
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