Bank Risk Screener
US Banks Ranked by Agricultural Lending Concentration
Agricultural lending concentration measures how much of a bank's loan book goes to farming: loans to finance agricultural production plus loans secured by farmland, as a share of total loans. The FDIC's Quarterly Banking Profile groups banks above 25 percent as agricultural specialists. They are mostly community banks in the Farm Belt, and their credit quality moves with commodity prices, farm income and farmland values rather than with the commercial real estate cycle. This page ranks every FDIC-insured US bank by its current agricultural share of loans.
Data as of Q2 2026 call reports. Ranked highest first; closed charters are excluded. Across the 3,655 ranked banks, the median Agricultural Loans to Total Loans is 3.26%, and 689 are agricultural specialists by the FDIC's 25% definition. Next update: Q3 2026 Call Reports are due October 30, 2026; we expect them on the platform by mid-November 2026.
How the bands work. Diversified: 15% or lower. Significant ag lending: above 15% up to 25%. Agricultural specialist: above 25%. These are screening cutoffs, not supervisory ratings.
Showing the top 100 of 3,655 ranked banks. Create a free account or sign in to see every ranked bank.
Methodology
Ranks the most recent FFIEC call report filing for every active FDIC-insured commercial bank and savings institution with total assets of at least $100 million. A bank reporting neither agricultural production nor farmland loans is excluded. Refreshed quarterly. Banks file Call Reports within 30 days of quarter-end (35 days for banks with more than one foreign office), the FFIEC posts the bulk files about 45 days after quarter-end, and BankRegReports loads each quarter by the middle of the second month after it closes, for example Q1 by mid-May.
Source authority: FFIEC Call Report Schedule RC-C: loans to finance agricultural production and other loans to farmers (item 3, RCON1590 or RCFD1590) plus loans secured by farmland (item 1.b, RCON1420), divided by total loans and leases (RCON2122 or RCFD2122). Banks above 25 percent are the FDIC Quarterly Banking Profile's agricultural specialists.
Frequently asked
What is an agricultural bank?
The FDIC's Quarterly Banking Profile calls a bank an agricultural specialist when agricultural production loans plus loans secured by farmland exceed 25 percent of its total loans and leases. The Kansas City Fed uses the same 25 percent line. The FDIC's Community Banking Study uses a different test, farm loans above 20 percent of total assets, so counts from the two sources differ.
Is a high agricultural concentration risky?
It is a concentration, not a verdict. Farm lending is the core business of many well-run community banks. The risk is that a large share of the loan book depends on the same drivers (commodity prices, input costs, weather and farmland values), so a bad year for farmers reaches most of the portfolio at once. The mid-1980s farm crisis, when farmland values fell sharply, is the period that shaped how examiners review these banks.
Can I build a peer group of agricultural banks?
Yes. The custom peer group builder, free with an account, has an agricultural lenders preset that adds every bank above the FDIC's 25 percent line, and you can paste your own list of RSSD IDs. Compare any bank against the group from its profile.
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