At Bruning State Bank, we offer quick, friendly service on a wide variety of loans, large or small, with competitive rates and terms.  Whatever your goals, as a farmer, rancher, business or individual, we can customize any loan to meet your needs.

Our experienced loan officers are here to help!  Call or stop by any time to meet us, or click here to contact a loan officer by email.


Operating Line of Credit Loans: use funds as you need them throughout the year but interest accrues only on the amount you actually borrow.

Livestock Loans: purchase livestock with either an individual note or a renewable line of credit.

Equipment Loans: term out debt for equipment purchases to keep working capital available for operating needs.

Ag Real Estate Loans: acquire new land or refinance at a fixed rate with a customizable payment schedule.

Irrigation Loans/Leases: term out debt for irrigation equipment costs.  


Commercial Line of Credit Loans: manage occasional cash shortfalls by borrowing only what you need and then repay based on your sales.

Inventory and Equipment Loans: borrow at a fixed rate to purchase inventory or equipment and keep your cash available for operating needs.

Commercial Real Estate Loans: acquire new property, build a new facility, or expand an existing facility with loan terms tailored to meet your needs.


Vehicle Loans: buy your dream car or truck with our financing help!

Personal Loans: borrow cash for any reason using collateral such as CD's, vehicles, real estate or other personal property.

Home Mortgage

Home Mortgage Loans: purchase a new home or refinance your current home with our competitive mortgage rates and terms.  We retain the servicing on our home mortgages which means you'll always know who to call and where to send your payments!  Our friendly loan officers have the knowledge and experience to walk you through the entire mortgage process.

Want to check rates, calculate payments, or start an application? 
Visit our Home Mortgage Center to learn more!

Other Home Mortgage-Related Programs We Offer:
  • Home Improvement Loans: add space or upgrade the space you have with a loan from us!
  • Home Equity Line of Credit (HELOC) Loans: tap into the equity of your home to finance such expenses as college tuition, medical bills, or business start-up costs.
  • Land Purchase Loans: buy the perfect land for the future location of your new home.
  • Home Construction Loans: build your new home with short-term financing during the construction phase and then we'll help you obtain the appropriate mortgage for the long-term once your home is completed.



PO Box 100 104 Main Street Bruning, NE 68322 (800) 403-5889


PO Box 185 252 South 13th St Hebron, NE 68370 (800) 405-6167

Broken Bow

PO Box 545 803 South D Street Broken Bow, NE 68822 (877) 872-2757


PO Box 315 1215 Burlington Street Holdrege, NE 68949 (877) 995-3880


PO Box 2407 620 East 25th St, Ste #2 Kearney, NE 68848 (308) 455-3072