Client Resources and Loan Servicing

How Do the Five C's Affect the Farm Loan Application Process

Learn more about the five Cs of credit lenders use to evaluate your farm loan application. The five Cs of credit is a common technique lenders use to evaluate your farm loan application and include character, capital, capacity, collateral, an

How WOTUS Affects Farmers and Ranchers

What landowners need to know about the significance, impact, and regulatory reform of Waters of the United States (WOTUS). Farmers and ranchers know more than most how diverted surface water and wetlands provide important functions to ecosyste

What Would New 'Product of USA' Food Label Requirements Mean for American Agriculture?

The USDA Recently Proposed New Food Labeling Requirements. Will They Help or Hinder the American Farmer? On March 6, USDA secretary Tom Vilsack announced several new initiatives to “recenter U.S. agriculture” and provide support for small to

Understanding Your Agricultural Balance Sheet

What is an agricultural balance sheet and why is it important? An agricultural balance sheet is essentially the “pulse check” on your operation. Agricultural lenders use it as a tool to identify and determine the financial resilience of yo

Three Factors Shifting the 2023 Agricultural Trade Outlook

Learn why the USDA expects softening demand across commodities in the first outlook for U.S. agricultural trade in 2023. American agricultural trade entered 2023 in a strong position. Both U.S. agricultural export and imports reached record le

Report Recap: The 2023 Farm Income Forecast

Read highlights from the first USDA farm income forecast report in 2023. Farmers ended the year in a solid financial position in 2022. In the first farm income forecast report in 2023, the USDA reports farm income increasing by nearly 16 percent

How Farmers Can Prepare in the 2023 Agricultural Economy

AgAmerica’s annual economic report is here and predicts a positive outlook for the U.S. farm economy in 2023—but elevated risk remains. American farmers and ranchers ended 2022 in strong financial position, despite higher production costs

Fourth Quarter Update: Trade Outlook for U.S. Agriculture in 2023

Uncertainty in the global economy is leading to a contracted outlook for U.S. ag exports in 2023. U.S. farm exports seem to be feeling the impacts of a volatile economic future, according to the last quarterly outlook for U.S. agricultural trad

Report Highlights from the 2022 Farm Income Forecast

Learn more about farm income in 2022 and the factors impacting it. The most recent USDA Farm Income Forecast predicts a net farm income increase of $34B (30 percent) from February’s projections due to increases in commodity values and cash

Third Quarter U.S. Agriculture Trade Outlook in 2022

Read highlights from the USDA trade outlook report to learn more about the state of U.S. agricultural trade in 2022. The USDA released its quarterly U.S. Agricultural Trade Outlook report in August, with updated forecasts for U.S. ag trade in

What the Inflation Reduction Act Means for Farmers and Landowners

After more than a year of back and forth, the Inflation Reduction Act of 2022 has been passed. What does this mean for the American Farmer? On August 16, President Biden signed the Inflation Reduction Act of 2022 (IRA) into law—concluding m

The Relationship Between Farmland Values, Interest Rates, and Inflation

The U.S. Farmland Real Estate Market in 2022 Despite rising interest rates and input costs, the 2022 farm economy is experiencing positive growth due to strong net farm income, liquidity, and higher cash rents. However, higher cash rents are ti

A Farmer’s Guide to the Lower Food and Fuel Costs Act

The Lower Food and Fuel Costs Act aims to address critical issues for agriculture, including lowering the cost of farming while promoting competition in the industry. Skyrocketing inflation and supply chain bottlenecks have been challenging A

What Farmers Should Know About the Ocean Shipping Reform Act

The Ocean Shipping Reform Act was signed into law on June 16, 2022, in an effort to address shipping bottlenecks for U.S. exports. Since the onset of the COVID-19 pandemic, the U.S. agriculture industry has faced shipping bottlenecks and increa

What to Expect for the 2023 Farm Bill

The 2023 Farm Bill comes at a time when farmers are facing inflated input costs, supply bottlenecks and shortages, and an increasing number of severe weather events. The historic trend of zero-base budgeting in past Farm Bills suggests that the allo

Second Quarter Report Highlights: The 2022 U.S. Agricultural Trade Outlook

Despite economic volatility, the 2022 agricultural trade outlook continues to rise due to strong prices and demand. The USDA’s second quarter trade forecast for 2022 indicates a positive global trade position for U.S. agriculture, with a pr

National Beef Month: Celebrating American Cattle Ranchers

Cattle ranchers in the U.S. work hard 365 days a year—contributing to both our economy and ecosystems. The economic and cultural impacts of the American cattle industry are extensive. With over 700,000 cattle and calf operations across the na

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