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System Maintenance

As a part of our ongoing efforts to better serve you and improve our business processes, we will be performing routine system maintenance from Saturday, September 26th at 9:00 p.m. to Sunday, September 27th at 3:00 a.m.

During this time, Online Banking, Mobile Banking, and iBank services will be unavailable. We apologize for the inconvenience and look forward to providing superior products for our valued clients.

Important message from American National Bank regarding COVID-19 preparedness

To Our Valued Clients,

Our branch lobbies are closed to unscheduled walk-in traffic with the exception of select branches in the Southeast community. Please check our locations page for the latest updates.

Services will be fully available via our mobile and online platforms, as well as from our drive-thru windows, Teller Connect, and ATMs. Please check the ‘Locations’ tab for access points nearest to you.

We want to assure you of the following as it relates to the continuity of our business operations:

  • American National Bank has been, and will continue to, actively monitor developments regarding the potential spread, and impact of the coronavirus with guidance from relevant authorities, including the Centers for Disease Control and Prevention (CDC), World Health Organization and U.S., state and local government entities. We feel it is imperative to limit face-to-face interaction until we have assurances from our local health departments that the virus is contained with no further risk of community-related spread.
  • American National Bank’s Business Continuity Planning Program was successfully deployed several weeks ago with protocols that are active and reliable.
  • American National Bank remains committed to providing the highest level of service with multiple layers of protection for our most important assets: our people, information security and cash flow.

We are here to help you:

  • In the event you need to meet in person, we invite you to contact your local branch or banker or click here to make an appointment. We request that you follow the CDC guidelines of self-screening to personally evaluate yourself to determine if you could be at risk by exhibiting any of the symptoms related to the virus. Visit for more information. 
  • If you are experiencing a hardship or have a different need, please click here.
  • Contact our Customer Service representatives with any questions at 1-800-279-0007, M-F: 7am-7pm, Sat: 8am-1pm
  • If you are a business or commercial client, please reach out to your Relationship Manager
  • To protect yourself against any COVID related scams, please look out for any suspicious activity from emails, texts and phone calls that may impersonate a company, charity or government agency. Never share sensitive information and do not click on links or open attachments as they may be malicious. For more information go to:

American National Bank thanks you for your understanding and patience during this unprecedented time. We appreciate the trust you place in us and want you to know that the health and safety of our clients and employees is our top priority. We view the implementation of this change in access as part of our contribution to maintaining a strong and healthy community.

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American National Bank

Woman Business Owner

Financial grounding for your business dreams

You see the potential in the world around you. You aspire to do great things, both in your life and in your business. We're here to help you in any way we can. That's why we've built loan packages to help your business reach its full potential.

We don't want anything to hold you back from achieving your business dreams. Work with us and let's build something real.

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Business Loans

We offer three types of business loans: term loans, commercial mortgages, and lines of credit. Our financial experts can help you navigate the complexities of each, and find the perfect loan for your business.


Explore our loan options

Term Loans
For long-term financing needs, term loans are your best bet. So, if you're acquiring equipment, expanding facilities, purchasing land, or financing real estate, we can help you find the commercial loan that meets your unique business needs.


  • Flexible terms to meet the needs of different companies
  • Competitive interest rates
  • Flexible financing requirements and collateral needs

Commercial Mortgages

Commercial Mortgages let you build, renovate, or add onto virtually any kind of commercial property, both personal and commercial real estate.

Financing available for:

  • Office buildings
  • Retail/warehouse/light industrial
  • Factory buildings
  • Apartment buildings
  • Owner- and non-owner-occupied developments

Lines of Credit

A revolving line of credit can give you peace of mind in running your business. Whether you're buying inventory or just need an on-demand cash flow, we have you covered.


  • Revolving credit lines can be drawn down and repaid repeatedly, up to your credit limit
  • Advances are typically tied to a formula of accounts receivable, inventory, and/or equipment
  • Interest accrues only on the amount borrowed, and only until the principal is repaid
  • Interest rates are always competitive


Commercial Real Estate

Our commercial bankers are local leaders in real estate financing, and with good reason. We provide a range of fixed and floating rate financing products with flexible terms to meet your amortization and maturity needs.

Loan Types:

Product Types:

Construction loans


Permanent and mini-perm loans


Residential builder lines of credit


Land development loans


Affordable Housing Development Financing

Build to Suit

Contact our experts today:

Corporate Banking

Corporate Banking is about more than just transactions. It's about building relationships and trust. At American National Bank, we want to build both with you. We have the industry experience and corporate banking expertise to support you in acquisition financing, working capital lines, equipment purchase or project/expansion loans.

When we make a business relationship, we take it seriously. That includes:

  • Taking the time to understand your challenges, priorities and goals
  • Recommending the right combination of services, tools and financing to fit your changing needs
  • Ensuring that we address each of your needs with proactive, professional service
  • Providing you with the banking efficiency you desire, allowing you to focus on your business
  • Measuring ourselves by your satisfaction and success


Solutions to help you succeed:

  • Working capital loans and lines of credit
  • Equipment financing
  • Commercial mortgages
  • Tax Incentive financing
  • Asset based loans
  • Rolling stock loans
  • Interest rate risk management solutions via Interest Rate Swaps
  • ESOP loans
  • Standby letters of credit
  • Treasury Services


Healthcare Banking

In order to properly care for the sick, you need to properly care for your healthcare finances. Our Healthcare Banking Division experts will work with you to find tailored solutions, providing a healthy (and wealthy) future for your healthcare practice.

We work with healthcare companies in all areas, including:

  • Hospitals & hospital-affiliated clinics
  • Physician practices
  • Dental practices
  • Start-up medical & dental practices
  • Medical equipment financing
  • Ambulatory surgery centers
  • Assisted-living facilities
  • Continuing care retirement communities
  • Imaging & dialysis centers
  • Laboratories

Financing options & services offered:

  • Start-Up Medical & Dental Practice Financing
  • Tenant Improvements
  • Commercial Real Estate Acquisition
  • Commercial Real Estate Construction Financing
  • Revolving Line of Credit
  • Acquisition or Partner Buy-In
  • Bond Financing
  • Small Business Administration Financing (SBA)
  • Treasury Services

Small Business Loans

There's nothing "small" about small business. We can help you with loans to make your business thrive. Or we can just provide that safety net for those early years to help you make your vision a reality.

We are a preferred SBA lender. That means we can underwrite your application, saving you time getting your loan processed and approved. We can provide credit to businesses that might not otherwise find it and enable the borrower to stretch out repayment over a longer period of time and eliminate balloon payments.

Benefits of our small business loans include:

  • Real estate financing up to 25 years, or equipment/working capital loans for up to 10 years
  • Negotiable rates, subject to current market conditions
  • 7(A) program - the most common SBA loan - is available for loans between $150,000 and $5,000,000
  • 504 loans are available for property purchases with 10% down financing depending on the type of property and experience level of borrower. Fixed terms are available for 10 or 20 years
  • SBA Express: Term loans and lines of credit up to $350,000 intended for acquisition of assets, refinancing, and working capital

Learn more about SBA loans.

Agricultural Lending

Farming will always be a way of life in America. We've been helping the agricultural industry continue do what it does best for over 120 years now, and we plan to keep on going.

We can help with a variety of ag-financing, including:

  • Operating Lines of Credit - Revolving lines of credit for farm operating expenses
  • Livestock Financing - Short term loans for feeder livestock financing and intermediate term loans for breeding livestock
  • Agri-Business Equipment Financing - Flexible and competitive terms for farm machinery purchases
  • Farm Buildings and Irrigation Systems
  • Farm Real Estate - Long term fixed rate terms up to 25 years available
  • Crop Insurance




Specialty Finance

Heavy equipment requires heavy capital investment. Our experienced professionals know how to finance manufacturing, distribution, printing equipment, fleet transportation, heavy construction equipment, and more.

With multiple locations, we can meet with you where and when it is convenient for you. Give us a call today to get started.


Learn more about Specialty Financing

Accounts Receivable Financing (Cash Finder)

Turn invoices into instant revenue with our Cash Finder service. We send you an advance on fully-completed goods and services on the same day you bill them. That way, you get the money that might not be paid for another 30 to 60 days, right away. 

Are you a current Cash Finder customer? Access your account information.

Equipment Financing

If you need capital assets or equipment, we offer a selection of loan or leasing options for:

  • Manufacturing, Printing, or Distribution Equipment
  • Heavy Duty Trucks / Fleet Transportation
  • Heavy Construction Equipment
  • Machine Tools and other Production Equipment
  • Computers and Technology

Commercial Leasing

Leasing can benefit any size of company, and our leasing experts customize a program to meet your specific equipment requirements. We can cover the verticals of construction, manufacturing, agriculture, medicine, and many others.

Church Growth

Just as community members and your congregation rely on you for faith and guidance, you can rely on American National Bank to stand by your organization when you need us.  

Serving you close to home

Continuing its tradition of catering to the unique, local needs of nonprofit religious organizations in the communities it serves, the American National Bank Church Growth division, a branch of its commercial lending group, now serves religious organizations in the Nebraska, Iowa, Minnesota, Texas, Arkansas, Kansas, Missouri and Oklahoma markets.


Backed by the stability and lending expertise of American National Bank, a bank with more than $3.8 billion in assets and 575 employees, the Church Growth lending team provides institutions like yours with an array of customized, flexible, lending solutions to support projects big and small.  


American National Bank is known for working with its customers. You won’t find a one- size-fits-all approach to anything we do. We are flexible when it comes to your lending needs. If it means stretching the limits on our end to make sure you’re satisfied, we will. Our approach to listening first has made us a preferred lender in the communities we serve.  

Customized solutions

American National Bank knows that not all projects are alike, and lending solutions for religious organizations require non-traditional thinking. Whether it be a new structure, a social hall, an improvement to an existing structure, or a large-scale renovation, we are here to listen, work with you, and find a solution that best suits your needs.       

American National Bank also has innovative solutions and time-saving products that give you greater control over the financials.  We can accommodate electronic giving and other non-credit services such as treasury management, vendor payable management and remote deposit capture.  

Contact us now to begin your project

Fill out my pre-application form.

For inquiries regarding customized church lending solutions, contact us directly at 402-399-5055

Indirect Lending

American National Bank Dealer Services is a leading lender for new/used automobiles and recreational vehicles. We offer an innovative, competitive program to serve franchise dealers located in the Midwest. We offer consumer lending, real estate financing, treasury management, commercial card, and merchant services. Make American National Bank part of your lending strategy to help increase your performance. We are dedicated to the dealer community to foster long-term relationships and provide excellent service. To find out if you can take advantage of our dealer service programs please contact our dealer service department at 877-600-3395 or email us.