However, returns at banks with a concentration in agriculture have generally remained healthy, as most producers have continued to make loan payments despite weakening revenue streams. Let me shift focus now to the role of banks, particularly community banks, in the U.S. farm economy.
Community banks foster strong long-term relationships with farmers, ranchers, and 2/5  BIS central bankers' speeches  others involved in the local business of agriculture. Often, these relationships are cultivated through community bankers’ service on local civic and business organizations or by participation with local farmers and their families in activities to support the local community and economy.