Lost or Stolen Debit Card? Please call (402) 426.9500 | Routing #104903595 | NMLS ID# 477268

Online Banking

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Lending Solutions

Whether you're looking to buy a new house or boat, or if you just want to refinance, you've come to the right place.

Lending Solutions

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 invite you to contact one of our loan professionals to determine the borrowing option that is right for you.

The bank’s primary trade area includes the Washington County area and the contiguous counties of Burt, Dodge and Douglas Counties in Nebraska and Harrison County in Iowa. While this is the primary delineated trade area, the bank will from time to time make loans outside of this area.


Personal Lending

Whether you’re in the market for a new vehicle, a new home or anything in between, Two Rivers Bank has you covered.

Personal Loans

When you need personal financing, we’re here to help. Our consumer lending team works with you to find the best solution at a competitive rate. Quick, local decision making is a key part of our process.

  • Auto/Truck
  • Boat
  • Motorcycle
  • Personal and household purchases


Mortgage Loans

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

We offer a variety of temporary financing, as well as 15- and 30-year loan options. These include Conventional, FHA, Rural Development and VA.

  • Home Purchases
  • Refinancing
  • Construction
  • Second Mortgages
  • Lot Loans


Home Equity Loans

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.

  • Home improvements
  • Automobile purchases
  • College education
  • Vacation

Click here to contact us today

Business Lending

The success of our communities relies on the success of our local businesses. Employment opportunities and necessary goods and services for our residents depend on these businesses. We have a number of lending solutions to help both new and established businesses grow and thrive.

Lines of Credit

A small business line of credit gives your business quick access to cash and maximizes its profitability. Always available to you, a business line of credit is the perfect solution for your ongoing short-term financial needs.

  • Improve your cash flow
  • Acquire seasonal working capital
  • Purchase inventory or materials

Business Term Loans

Looking for long term financing? Our fixed term loans will enable growth according to your business plan. Consider a Two Rivers Bank Business Term Loan for the following:

  • Financing the expansion of your business
  • Equipment or real estate purchases
  • Debt consolidation

Commercial Real Estate

See an opportunity to start a new venture or outgrowing your existing facility? Two Rivers Bank can finance commercial properties or even refinance your existing real estate.

Small Business Administration Loans SBA

Two Rivers Bank is proud to partner with the Small Business Administration (SBA) to assist business owners. SBA loans can be used to help new companies get off the ground, purchase equipment, finance inventory, and expand or purchase existing businesses.

Ag Lending

Whether you own one acre or 1,000, our agricultural lenders can help build a financial package to fit your needs. Our lenders understand the demands of a changing agriculture marketplace and will put their experience to work for you, providing the prompt, quality and friendly hometown service you deserve.

Agricultural Loans

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

  • Equipment
  • Operating line of credit
  • Livestock
  • Real Estate
    • Closing costs usually consist of title insurance, appraisal, recording fees, and loan origination. We offer very competitive interest rates and payment terms.

Credit Applications

When you apply for a loan through Two Rivers Bank, we like to make it easy for you! That’s why we offer different options for you application:

  • Secure online applications (not available for business loans)
  • Interactive PDFs for you to type in the information, print and sign
  • Request a loan application via email

Personal Loan Applications

Online applicants need to complete the application in its entirety in one sitting as information cannot be saved.

Mortgage Loan Applications

Online applicants need to complete the application in its entirety in one sitting as information cannot be saved.

Home Equity Loan Application