My Work
Distressed Note Industry
Michigan Agricultural Loans
Analyzing agricultural loans loan performance across 108 Michigan banks
As of Q2 2025, 108 Michigan banks report agricultural loans portfolios totaling $1.4B. Non-performing loans in this category total $12.8M — an average NPL ratio of 0.92% — with $5.4M 30-89 days delinquent, $2.0M 90+ days delinquent, and $10.8M in nonaccrual status. The most distressed lender in this category is SUPERIOR NATIONAL BANK (MI) with an NPL ratio of 14.20%.
Total Lenders
108
Total Loan Portfolio
$1.4B
Total NPL
$12.8M
Average NPL %
0.92%
Delinquency Breakdown
30-89 Days
$5.4M
90+ Days
$2.0M
Nonaccrual
$10.8M
Charge-offs
$8K
Banks by NPL Ratio
Distribution of banks by non-performing loan ratio
Top Distressed Banks - Agricultural Loans in Michigan
Highest NPL %| Bank Name | State | Portfolio | NPL | NPL % |
|---|---|---|---|---|
| SUPERIOR NATIONAL BANK | MI | $169K | $24K | 14.20% |
| SUPERIOR NATIONAL BANK | MI | $169K | $24K | 14.20% |
| HURON STATE BANK | MI | $259K | $33K | 12.74% |
| HURON STATE BANK | MI | $259K | $33K | 12.74% |
| UNION BANK | MI | $17.0M | $973K | 5.73% |
| UNION BANK | MI | $17.0M | $973K | 5.73% |
| DART BANK, THE | MI | $6.6M | $300K | 4.57% |
| DART BANK, THE | MI | $6.6M | $300K | 4.57% |
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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
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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