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

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  • Ghimire, Monika
  • Miller, Noah

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.

Suggested Citation

  • Ghimire, Monika & Miller, Noah, 2025. "Measuring Structural Change in U.S. Commercial Banks Involved in Agricultural Lending Using Loan Volumes," Choices: The Magazine of Food, Farm, and Resource Issues, Agricultural and Applied Economics Association, vol. 40(1), February.
    • Handle: RePEc:ags:aaeach:349434
    DOI: 10.22004/ag.econ.349434
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    Keywords

    Agribusiness; Agricultural Finance;

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