2026 Agricultural Lending Challenges: Economic Conditions, Managing Troubled Borrowers & Updates on the ACRE Act & Government Support Payments

Date:

Feb 3, 2026

Register

Liquidity losses from 2023–2025 are now compounding, and lenders are entering 2026 with growing carryover balances, increased renewal complexity, and more borrowers needing restructures or workout-level attention.

Whether your bank’s portfolio is heavily concentrated in row-crop operations or includes a mix of diversified farms, this timely presentation will ensure your ag lending team is prepared for the realities of 2026 and beyond.

Agenda

February 3, 2026
11:00am - 12:30pm EST

Grain producers face their third consecutive year of compressing margins, with corn and soybean returns remaining below cost of production for most operations. This timely webinar is designed to provide a comprehensive roadmap for navigating agricultural lending in a high-risk environment. You will learn how to evaluate repayment ability under 2026 conditions, strengthen underwriting and cash-flow expectations, identify early signs of borrower distress, and implement proven restructuring strategies that protect both the borrower and the bank. The session will also provide practical guidance on exiting unviable credit relationships, communicating with highly stressed borrowers, and preparing documentation that will withstand regulatory scrutiny.

Topics

KEY WEBINAR TAKEAWAYS:

  • Using cash-to-accrual analysis, stress tests, and 2026 price/yield assumptions to evaluate borrower repayment ability
  • Early signs of financial stress, including liquidity erosion, behavioral red flags, and deteriorating collateral indicators
  • Effective carryover management and loan restructures, including when to use FSA guarantees and how to document them for examiners
  • A clear, actionable framework to determine whether to retain, restructure, or exit a troubled agricultural credit relationship
  • Understand current IRS guidance on ACRE Act tax benefits for rural and agricultural loans
  • Plus, how the new ad hoc support payments will impact borrowers
Speaker(s)

Robert L. Viering
RiverPointUSA LLC & RegVizion LLC

Bob is the principal of RiverPointUSA LLC, a national consulting and training firm dedicated to helping community banks and credit unions strengthen credit risk management, strategic planning, and sustainable growth. With over 40 years of experience in commercial banking, Bob brings expertise in C&I, CRE, and agricultural lending, as well as portfolio management, stress testing, CECL, liquidity, and capital planning.

Bob’s career includes roles as a de novo bank founder, CEO, Chief Lending Officer, regional credit officer, board member, and audit committee member. He has also served as an expert witness in state and federal courts. Bob is a past board member of state and national banking associations and a frequent speaker on banking topics across the country.

In addition to his work at RiverPointUSA, Bob co-founded RegVizion LLC, which develops AI-driven credit tools. Bob is also a founder of RegVizion LLC, developing AI-driven credit tools, and actively serves on the board of the Chicago Chapter of ProSight (formerly RMA) and is a member of their national Chapter Advisory Group.

Additional Information

WHO SHOULD ATTEND?

  • Ag lenders
  • Commercial lenders
  • Credit analysts
  • Loan review officers
  • Chief credit officers
  • Special assets/workout specialists
  • Bank presidents, CEOs, and senior management with agricultural exposure

TAKE-AWAY TOOLKIT

  • A downloadable 2026 Ag Lending Toolkit that includes:
    • Grain farm cash-to-accrual worksheet-
    • Carryover debt evaluation checklist
    • Borrower stress-test template
    • Management skills assessment tool
  • A sample multi-year borrower workout plan
  • A resource list of 2026 economic and ag-sector data sources
  • Employee training log
  • Interactive quiz
  • PDF of slides and speaker’s contact info for follow-up questions
  • Attendance certificate provided to self-report CE credits

NOTE: All materials are subject to copyright. Transmission, retransmission, or republishing of any webinar to other institutions or those not employed by your institution is prohibited. Print materials may be copied for eligible participants only.

Fees

Live Webinar - $279

  • Unlimited connections for your institution
  • Available on desktop, mobile & tablet
  • Take-away toolkit
  • Presenter’s contact info for questions

On-Demand Webinar - $279

  • Unlimited & shareable access starting two business days after live stream
  • Available on desktop, mobile & tablet devices 24/7
  • Take-away toolkit
  • Ability to download webinar video
  • Presenter's contact info for questions

Live + On-Demand - $379

Get the best of both and save when you Bundle the Live & On-Demand Webinar registration! This option includes all the items listed above.

**100% surcharge applied to non-members.

Association Contact

Katie Yates
Education Coordinator
o: 317-387-9380
d: 317-333-7162
kyates@indiana.bank