Low commodity prices and dropping land prices are combining to put stress on producers, and the banks that finance them.

Curt Everson, President of the South Dakota Bankers Association, says this is a unique ag cycle…..

Everson says some of the financial impacts to banks will be more apparent by early next year…

Everson says most banks have a good percentage of reserves…..

Everson says the FDIC and the Federal Reserve also have resources to back up any bank under financial strain.