This study examines the role of domestic commercial banks in financing agro-based enterprises over the period 2020–2024. Through a mixed-method research design that combines quantitative analysis of statistical data with qualitative interviews, the paper evaluates contemporary financing practices, financial products, and lending mechanisms offered by commercial banks, and considers how these practices influence agricultural development. Data sources include central bank reports, commercial bank statements, and agricultural census data. The findings highlight both the progress made in agricultural financing and persistent challenges. Policy recommendations are provided to improve financial products tailored to the agro-sector. Overall, the study contributes to the growing literature on banking and agriculture and offers a comprehensive evaluation aligned with APA 7th edition citation guidelines.