Charge-Off Rate on Loans to Finance Agricultural Production, Banks Not Among the 100 Largest in Size by Assets
CORLAGOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
0.11
Year-over-Year Change
83.33%
Date Range
1/1/1985 - 1/1/2025
Summary
This trend tracks the percentage of agricultural production loans that banks not among the top 100 by asset size have written off as uncollectible. It provides critical insight into the financial health and risk profile of smaller agricultural lending institutions.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The charge-off rate reflects the proportion of agricultural loans that banks have determined are unlikely to be repaid, serving as a key indicator of credit risk in the agricultural sector. Economists use this metric to assess the financial stability of smaller regional banks and the overall economic conditions facing agricultural producers.
Methodology
The data is collected through regulatory reporting requirements, where banks calculate the total value of agricultural production loans charged off divided by the total agricultural loan portfolio.
Historical Context
This trend is used by policymakers, agricultural lenders, and economic researchers to understand credit market conditions and potential financial stress in the agricultural sector.
Key Facts
- Measures loan charge-offs for smaller agricultural banks
- Indicates financial health of agricultural lending institutions
- Provides insight into agricultural sector economic conditions
FAQs
Q: What does a high charge-off rate indicate?
A: A high charge-off rate suggests increased financial stress for agricultural producers and potential economic challenges in the agricultural sector.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often play a crucial role in local and regional agricultural lending, making their financial performance an important economic indicator.
Q: How is a loan charge-off calculated?
A: A loan charge-off occurs when a bank determines a loan is unlikely to be collected, typically after a prolonged period of non-payment.
Q: How do charge-off rates impact agricultural lending?
A: High charge-off rates can lead to more stringent lending practices and potentially reduced credit availability for agricultural producers.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current view of agricultural lending conditions.
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Citation
U.S. Federal Reserve, Charge-Off Rate on Loans to Finance Agricultural Production, Banks Not Among the 100 Largest in Size by Assets [CORLAGOBS], retrieved from FRED.
Last Checked: 8/1/2025