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Distressed Note Industry
Kansas Agricultural Loans
Analyzing agricultural loans loan performance across 366 Kansas banks
As of Q3 2025, 366 Kansas banks report agricultural loans portfolios totaling $11.6B. Non-performing loans in this category total $104.0M — an average NPL ratio of 0.89% — with $44.2M 30-89 days delinquent, $23.1M 90+ days delinquent, and $80.9M in nonaccrual status. The most distressed lender in this category is HERITAGE BANK (KS) with an NPL ratio of 30.25%.
Total Lenders
366
Total Loan Portfolio
$11.6B
Total NPL
$104.0M
Average NPL %
0.89%
Delinquency Breakdown
30-89 Days
$44.2M
90+ Days
$23.1M
Nonaccrual
$80.9M
Charge-offs
$1.9M
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Kansas
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| HERITAGE BANK | KS | $4.3M | $1.3M | 30.25% |
| HERITAGE BANK | KS | $4.3M | $1.3M | 30.25% |
| BAXTER STATE BANK, THE | KS | $260K | $57K | 21.92% |
| BAXTER STATE BANK, THE | KS | $260K | $57K | 21.92% |
| FIRST NATIONAL BANK OF HOPE, THE | KS | $12.7M | $1.5M | 11.95% |
| FIRST NATIONAL BANK OF HOPE, THE | KS | $12.7M | $1.5M | 11.95% |
| FARMERS STATE BANK | KS | $954K | $113K | 11.84% |
| FARMERS STATE BANK | KS | $954K | $113K | 11.84% |
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Agricultural Loans in Other States
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
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
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
District of Columbia
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