Loans

Loans

First National offers a variety of loans to meet both personal, agriculture and business needs. Our terms are competitive and flexible. We invite you to contact one of our loan professionals to determine the borrowing option that is right for you.


Geographic Limitations
Required New Account Information
Personal Loans
Home Loans
Business Loans
Agricultural Loans

Contact a Loan Officer

  • Contact a Loan Officer with any questions, requests, or comments that you may have.

Personal Loans

Short and intermediate term loans to meet your needs with a wide range of types and collateral options:

  • Personal and household purchases
  • Auto Loans for purchases and refinancing
  • Stocks, Bonds and Certificates of Deposit
  • Credit life and disability insurance may be available to protect payments in event of death or disability

Print out a Pre-application


Home Loans

We offer both in-house and secondary market home loan options for purchase, home equity, refinance and construction loans.
Contact a Loan Officer for an Application
Homeowner's Insurance


Conventional/Home Equity Loans

General Requirements:

  • Employment: 2 years or in the same line of employment as with previous employer
  • Income: No Maximum
  • Housing Ratio: 29%, Debt Ratio: 38%
  • Down Payment: Varies
  • Rates: Fixed/Variable
  • Monthly Mortgage Insurance: Varies
  • Loan Amount: Maximum Constraints
  • Other Products Available: Conventional Secondary, USDA Rural Development, Veterans Administration, Nebraska Investment Finance Authority

Home Construction Loans (in-house)

The First National Bank will consider funding construction loans in house and/or for secondary market permanent financing. Please Contact a loan officer for additional information.


Business Loans

Use a business loan if you need funds for operating, expansion, or start-up.

  • Wide range of collateral options including inventory, equipment, fixtures, accounts receivables, or real estate
  • Flexible repayment terms available
  • SBA LowDoc, 7(a) and CDC 504 loans available
  • Financial information needed to apply for a loan:
    • Business Plan
    • Current financial statement
    • Three prior years of financial statements
    • Projected "typical year" cash flow plan

By printing and mailing the Financial Statement(s) and Cash Flow, you acknowledge the disclosures made available from this page and accept the terms contained therein. All loan requests are subject to approval.

Print out a eBizView Business Financial Statement
Print out a eBizView Personal Financial Statement
Print out a eBizView Business Cash Flow Plan

Contact a loan officer

Agricultural Loans

Farmers and Ranchers have always looked to us for loans. The pressures of volatile prices and increasing expenses demand that we be far more than just a place for a loan. In times when careful management can mean the difference between success and failure, First National can provide the guidance to help ensure your success.


Six ways we can help ensure your success

  • Experienced bankers. Every business must make critical decisions that could ultimately mean success or failure. Our dedicated Ag bankers have a farming/ranching background, and they understand the basics of your business. They are experienced and familiar with the needs of our local producers.
  • Knowledgeable bankers. Our Ag Bankers have a sound understanding of new technologies such as computers and alternative marketing strategies. We can provide the "tools" to help you effectively analyze your breakevens or cashflow analysis.
  • Personal service. Our approach to banking is more than just numbers. We take pride in getting to know you and visiting your operation to learn what really makes it "tick".
  • local decisions by local folks. Our lending committees include bankers from right here at home. We will assure you a timely loan decision. No out-of-towners decide your future.
  • Long term relationship. Agriculture is and will always be our mainstay. Through good times and bad we have weathered many storms with our customers. We build relationships for the long haul.
  • Small bank flexibility. Bigger is not always better, especially in banking! Big banks can be rigid in their policies. Our bank policies are designed to accommodate our region and allows our Ag Bankers to be flexible.

Types of Services Available

  • Credit lines for short-term needs. Our credit lines can bridge the gap between cash inflow and outflow. We can conveniently deposit your loan proceeds directly into your checking account.
  • Intermediate and long-term needs. If you plan to purchase breeding livestock, machinery, real estate, or refinance existing debt, a term loan may be what you need. We can be flexible in structuring your loans to see you through the normal ups and downs along the way. Even if your operation is where you want it to be, a review of your long-term loans and financial needs could be beneficial.
  • Cash management and investments. For those times when you have excess funds, we can help you select from a full line of short and long-term investment options.

Preferred Lender Program

In 1999, First National became the 28th bank in the United States to be granted Preferred Lender Program (PLP) status by the Farm Service Agency (FSA). PLP status allows the bank to streamline the FSA guarantee process by using the same financial information, underwriting, and servicing procedures it would use for unguaranteed loans. If you are interested in finding out more about the PLP, please Contact a loan officer.


Financial information needed to apply for a loan.

  • Current financial statement
  • Three prior years of financial statements
  • Projected "typical year" cash flow plan
  • Three prior years of expense history, i.e. tax returns, business ledgers, etc
  • Three prior years of production history, i.e. weights, yields, sale receipts, etc.

By printing and mailing the Financial Statement(s) and Cash Flow, you acknowledge the disclosures made available from this page and accept the terms contained therein. All loan requests are subject to approval.

Print out eAgView Financial Statement
Print out eAgView Cash Flow Plan

Contact a Loan Officer with any questions, requests, or comments that you may have.

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