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Rural Banks Reflect The Local Economy

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  • Mikesell, James J.

Abstract

Rural banks are often accused of having conservative lending practices that stifle community growth. But the bank operating statistics supporting that contention may really just reflect a lack of alternative lending opportunities. The data assembled here demonstrate that rural banks' lending is aimed chiefly at their local market, especially local farmers. Furthermore, bank support of agriculture, one of the largest industries in their service areas, far from being too conservative, may jeopardize bank solvency.

Suggested Citation

  • Mikesell, James J., 1985. "Rural Banks Reflect The Local Economy," Rural America/ Rural Development Perspectives, United States Department of Agriculture, Economic Research Service, vol. 2(1), October.
    • Handle: RePEc:ags:uersra:310346
    DOI: 10.22004/ag.econ.310346
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