More stress for farmers financially, as borrowing needs continue to rise. According to the Federal Reserve's Ag Finance Databook, operating loans made by large agricultural banks have led to a significant increase in lending. A quick look at the numbers tells the story. In the third quarter, Non-real estate farm loans were 30% higher than a year ago, and the number of loans larger than $1 million dollars nearly doubled. Delinquency rates on those loans, while low, are trending higher.