LAKELAND, Fla. (RFD NEWS) — Farm balance sheets remain stable heading into 2026 largely because farmland real estate values continue supporting collateral and borrowing capacity even as income weakens.
AgAmerica Lending reports that farmland appreciation slowed in 2025 but remains historically strong. Only a few Midwest areas saw modest declines of two to three percent despite lower commodity prices.
This stability helps producers access credit, but it does not solve profitability challenges. Grain and cotton operations face the most financial pressure due to high costs and softer markets, while livestock — especially beef and poultry — remains comparatively stronger.
Farm-Level Takeaway: Land equity protects solvency but does not replace profitability.
Tony St. James, RFD NEWS Markets Specialist
Lenders are increasingly distinguishing between equity strength and income performance. Farms may appear financially healthy on paper, yet struggle to generate enough operating income to cover expenses and debt payments.
Strong land values, therefore, act as a buffer rather than a cure, buying time while producers adjust marketing, spending, and risk strategies.
Seasonal price patterns can inform soybean marketing timing, particularly when harvest prices appear unusually strong or weak.
February 09, 2026 10:30 AM
·
Danny Munch of the American Farm Bureau joined us to discuss USDA’s latest farm income forecast, revisions to prior estimates, and what the updated data means for farmers heading into 2026.
February 06, 2026 12:27 PM
·
More flexible export financing could strengthen demand in emerging markets and support higher U.S. agricultural exports.
February 06, 2026 07:00 AM
·
Ranchbot Monitoring Solutions provides remote water-monitoring technology to help ranchers manage livestock water more efficiently.
February 05, 2026 03:26 PM
·
Jones Hamilton Company shares insights on herd health, efficiency, and innovation for cattle producers this year at NCBA CattleCon in Nashville.
February 05, 2026 03:07 PM
·
Jeramy Stephens of National Land Realty breaks down current trends in the farmland real estate market and how landowners should consider water availability and its impact on land values as they plan for the year ahead.
February 04, 2026 01:57 PM
·
