Independent Banker - January 2025 - 20

PORTFOLIO
past due jumped to 7.18%.
Lenders are getting insight from
loan applications that show good wage
growth, and infl ation is slowing, which
also should help consumers manage
" 2025 and 2026
will be big years for
banks refinancing
CRE term debt
originated in 2020
and 2021 when
rates were low and
activity was robust. "
-DON COFFIN, BANKERS TRUST
their debt.
" We've seen some big credit card
balances too, but people seem to be
making it work, " says Prejean. " So,
if wages are starting to grow and
loans are not past due, it seems like
the economy overall seems to be
pretty good. "
Ag in recovery
Following several years of subdued
activity, demand for farm loans
appears to be on the rise. According
to the Q3 2024 Survey of Terms of
Lending to Farmers, the volume of
new operating loans increased 40%
from a year ago, which followed a
year-over-year increase of 20% in the
second quarter. According to a report
by the Federal Reserve Bank of Kansas
City, farm operating debt has grown
due to lower crop prices and higher
production costs, while higher interest
rates have contributed to less demand
for new equipment fi nancing.
Although there are some concerns
about a slowdown in the farm
economy, the outlook is mixed
depending on the type of crop or
livestock. Commodity prices for some
crops declined in 2024, but yields
on production in many sectors and
regions remained relatively strong.
20 // ICBA Independent Banker // January 2025

Independent Banker - January 2025

Table of Contents for the Digital Edition of Independent Banker - January 2025

Contents
Independent Banker - January 2025 - Cover1
Independent Banker - January 2025 - Cover2
Independent Banker - January 2025 - Contents
Independent Banker - January 2025 - 2
Independent Banker - January 2025 - 3
Independent Banker - January 2025 - 4
Independent Banker - January 2025 - 5
Independent Banker - January 2025 - 6
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Independent Banker - January 2025 - Cover3
Independent Banker - January 2025 - Cover4
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