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Distressed Note Industry
Texas Agricultural Loans
Analyzing agricultural loans loan performance across 455 Texas banks
As of Q2 2025, 455 Texas banks report agricultural loans portfolios totaling $10.4B. Non-performing loans in this category total $75.6M — an average NPL ratio of 0.73% — with $70.1M 30-89 days delinquent, $27.5M 90+ days delinquent, and $48.1M in nonaccrual status. The most distressed lender in this category is HENDERSON FEDERAL SAVINGS BANK (TX) with an NPL ratio of 66.67%.
Total Lenders
455
Total Loan Portfolio
$10.4B
Total NPL
$75.6M
Average NPL %
0.73%
Delinquency Breakdown
30-89 Days
$70.1M
90+ Days
$27.5M
Nonaccrual
$48.1M
Charge-offs
$24K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Texas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HENDERSON FEDERAL SAVINGS BANK | TX | $87K | $58K | 66.67% |
| LAMESA NATIONAL BANK, THE | TX | $6.8M | $1.1M | 15.80% |
| INTERSTATE BANK | TX | $6.2M | $722K | 11.72% |
| WELLINGTON STATE BANK | TX | $36.5M | $3.5M | 9.47% |
| WELLINGTON STATE BANK | TX | $36.5M | $3.5M | 9.47% |
| FIRST CAPITAL BANK | TX | $16.2M | $1.2M | 7.56% |
| FIRST CAPITAL BANK | TX | $16.2M | $1.2M | 7.56% |
| FIRST NATIONAL BANK IN FALFURRIAS, THE | TX | $419K | $26K | 6.21% |
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Agricultural Loans in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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