Effects of commercial bank structure and other characteristics on agricultural lending

Sharon K. Bard, Peter J. Bany, Paul N. Ellinger

Research output: Contribution to journalArticlepeer-review


A case loan request methodology evaluated how changes in commercial banking structure are influencing credit availability and terms for selected farm business types. Tobit and OLS regressions were used to assess bank characteristic effects on loan amount and rate, and a paired comparisons approach evaluated crcdit term differences among borrower types. Ix>an amounts were not significantly influenced by bank characteristics, and loan rates were significantly affected by bank characteristics sporadically. Some differentiation in credit terms among the demographic groups occurred. These results showed no overwhelming evidence in favor of or against the trend toward commercial bank consolidation as it impacts agricultural lending.

Original languageEnglish (US)
Pages (from-to)17-31
Number of pages15
JournalAgricultural Finance Review
Issue number1
StatePublished - May 5 2000


  • Agricultural lending
  • Bank characteristics
  • Commercial banks
  • Loan terms
  • Paired comparisons
  • Tobit analysis

ASJC Scopus subject areas

  • Agricultural and Biological Sciences (miscellaneous)
  • Economics, Econometrics and Finance (miscellaneous)


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