Bankers say irrigation decline is manageable in many cases but shortens loan horizons and affects land value A regional ag banker told the task force lenders incorporate well capacity and remaining economic life into appraisals and loan terms; when irrigation becomes uneconomic banks and borrowers typically plan shorter amortizations, rely on dry-land valuations, or otherwise restructure debt.

As irrigation wells face economic challenges, bankers reveal how they're adjusting loan terms to support farmers navigating these tough transitions.

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