Products & Services










LOAN SERVICES


Two Rivers State Bank offers a variety of loans to meet both personal and business needs. We offer competitive rates and flexible terms. Our lending team consists of bankers right here at home. We guarantee a timely loan decision made by our local office. Our bank policies are designed to accommodate our customer's needs and allow our lenders to be flexible. We also offer quick funding for business known as Merchant Cash Advance. We invite you to contact one of our loan professionals to determine the borrowing option that is right for you.
  • Personal Loans - Auto or other personal purchases
  • Business Loans - Business Cash Advance for funding of your business
  • Home Loans - Purchase or refinance your home
  • Home Equity Line of Credit - Use for anything you want, interest may be tax-deductible
  • Agriculture Loans - Operating, livestock, equipment or land
  • Commercial Loans - Use for operating, equipment or real estate
Our primary lending area is Washington County, Nebraska and other counties in Nebraska immediately adjacent to Washington County.


BUSINESS LOANS . . . .

These loans are known as business cash advance or merchant funding. They provide quick cash to your small business without alot of tradtional paperwork. Funders we work with that provide these MCA Funding cash advances include NY Merchant Cash Advance, Green Capital Credit and MCA Merchant.

PERSONAL LOANS . . . .

Standard requirements - good equity and credit history. Reduced interest rates may apply for automatic payments from your deposit account. Credit life and disability insurance available to protect payments in event of death or disability.

For:
  • Auto/Truck
  • Boat
  • Motorcycle
  • Personal and household purchases
For more information, please contact one of our offices:
Blair 402-426-9500       Arlington 402-478-4114



HOME LOANS . . . .

Owning your own home may be the most important investment you will ever make and Two Rivers State Bank wants to assist you in that most important step. Our friendly hometown lending staff is ready to help you select the right type of loan for your needs.

In-house loans are available. Closing costs usually consist of loan origination fee, title insurance/search, and recording fees. Appraisal fee may be waived if tax assessed value establishes equity. Very competitive rates with loan approval usually within one week or less. All balloon loans are kept in-house and do not have escrow accounts for taxes and insurance.

Secondary Market financing available for conventional loans with or without PMI. Closing costs usually consist of loan origination/loan discount (call the bank for the daily rate quotes), title insurance, underwriting fee, closing fee, credit report, flood certification, appraisal fee, and recording fees.

For:
  • Home Purchases
  • Refinancing
  • Construction
  • Second Mortgages
For more information, please contact one of our offices:
Blair 402-426-9500       Arlington 402-478-4114



HOME EQUITY LINE OF CREDIT . . . .

Join the homeowners who've discovered the value of home equity as a credit resource. Equity, the amount of money you would enjoy if you sold your house today, can secure your personal line of credit. As our approved credit-line customer, you decide how much of your credit limit you will use and when! Pay Interest Only on a monthly basis.

Use the proceeds for:
  • Home improvements
  • Automobile purchases
  • College education
  • Vacation
For more information, please contact one of our offices:
Blair 402-426-9500       Arlington 402-478-4114



AGRICULTURE LOANS . . . .

Designed to meet your financial needs. Each producer is unique, so please contact us today to see what we can do for you.

For:
  • Equipment
  • Operating line of credit
  • Livestock
  • Real Estate - Closing costs usually consist of title insurance, appraisal, recording fees, and loan origination. Very competitive interest rates and payment terms.
For more information, please contact one of our offices:
Blair 402-426-9500       Arlington 402-478-4114



COMMERCIAL LOANS . . . .

Designed to meet your needs. Each business is unique, so please contact us today to see what we can do for you.

For:
  • Equipment
  • Inventory
  • Revolving Credit Lines
  • Real Estate - Closing costs usually consist of title insurance, appraisal, recording fees, and loan origination. Very competitive interest rates and payment terms.
For more information, please contact one of our offices:
Blair 402-426-9500       Arlington 402-478-4114