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Distressed Note Industry
Kentucky Agricultural Loans
Analyzing agricultural loans loan performance across 234 Kentucky banks
As of Q2 2025, 234 Kentucky banks report agricultural loans portfolios totaling $5.4B. Non-performing loans in this category total $26.4M — an average NPL ratio of 0.49% — with $27.6M 30-89 days delinquent, $9.8M 90+ days delinquent, and $16.7M in nonaccrual status. The most distressed lender in this category is HOMETOWN BANK OF CORBIN INC. (KY) with an NPL ratio of 17.05%.
Total Lenders
234
Total Loan Portfolio
$5.4B
Total NPL
$26.4M
Average NPL %
0.49%
Delinquency Breakdown
30-89 Days
$27.6M
90+ Days
$9.8M
Nonaccrual
$16.7M
Charge-offs
$52K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Kentucky
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HOMETOWN BANK OF CORBIN INC. | KY | $921K | $157K | 17.05% |
| HOMETOWN BANK OF CORBIN INC. | KY | $921K | $157K | 17.05% |
| FIRST NATIONAL BANK OF GRAYSON, THE | KY | $5.9M | $413K | 7.04% |
| FIRST NATIONAL BANK OF GRAYSON, THE | KY | $5.9M | $413K | 7.04% |
| FARMERS BANK OF MILTON, THE | KY | $9.0M | $498K | 5.51% |
| FARMERS BANK OF MILTON, THE | KY | $9.0M | $498K | 5.51% |
| BEDFORD LOAN & DEPOSIT BANK | KY | $5.4M | $171K | 3.18% |
| BEDFORD LOAN & DEPOSIT BANK | KY | $5.4M | $171K | 3.18% |
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Agricultural Loans in Other States
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District of Columbia
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