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Distressed Note Industry
Tennessee Agricultural Loans
Analyzing agricultural loans loan performance across 216 Tennessee banks
As of Q2 2025, 216 Tennessee banks report agricultural loans portfolios totaling $3.2B. Non-performing loans in this category total $25.5M — an average NPL ratio of 0.80% — with $10.5M 30-89 days delinquent, $3.3M 90+ days delinquent, and $22.3M in nonaccrual status. The most distressed lender in this category is FIRST FARMERS AND COMMERCIAL BANK (TN) with an NPL ratio of 24.04%.
Total Lenders
216
Total Loan Portfolio
$3.2B
Total NPL
$25.5M
Average NPL %
0.80%
Delinquency Breakdown
30-89 Days
$10.5M
90+ Days
$3.3M
Nonaccrual
$22.3M
Charge-offs
$334K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Tennessee
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| FIRST FARMERS AND COMMERCIAL BANK | TN | $4.2M | $1.0M | 24.04% |
| FIRST FARMERS AND COMMERCIAL BANK | TN | $4.2M | $1.0M | 24.04% |
| FIRSTBANK | TN | $76.6M | $6.9M | 9.04% |
| FIRSTBANK | TN | $76.6M | $6.9M | 9.04% |
| FIRST COMMUNITY BANK OF TENNESSEE | TN | $5.7M | $411K | 7.21% |
| FIRST COMMUNITY BANK OF TENNESSEE | TN | $5.7M | $411K | 7.21% |
| CITIZENS BANK | TN | $968K | $68K | 7.02% |
| CITIZENS BANK | TN | $968K | $68K | 7.02% |
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Agricultural Loans in Other States
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District of Columbia
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