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The future of ag lending in 2025

An ag banker says the ag economy is making the lending environment more challenging for producers.

Jeff Rodibaugh with Indiana-based First Farmers Bank and Trust says it’s largely dependent on grain marketing decisions made in 2024.

“Those that would have experienced the significant downturn in commodity prices with the 2023 crop are really the ones that are probably most challenged,” he says. “They are the ones that held onto that grain a little longer.”

He tells Brownfield he’s more optimistic about this year.

“It definitely feels better than it did in September or October of last year,” he says. “We’ve had a nice price recovery. An additional positive would be the interest rates as far as national prime has come down some as well.”

Rodibaugh says now is the best time for farmers to focus on implementing risk management strategies.

AUDIO: Jeff Rodibaugh, First Farmers Bank and Trust

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