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Hershey State Bank’s loan department offers all the convenience you can get from a larger bank, along with the personalized customer service that you can’t. Follow the links below to learn more about the loans Hershey State Bank has to offer and contact the lenders who can help meet your needs!

AGRICULTURAL LOANS

  • Operating Loans
  • Equipment Loans
  • Livestock Purchase Loans
  • Fixed Rate Real Estate Loans
  • Beginning Farmer Loans
  • FSA Guaranteed Loans

At Hershey State Bank we know that agriculture is the backbone of Nebraska’s economy. We offer every type of loan you may need to make your operation a success. Best of all we offer personalized service from officers who live and breathe agriculture, and who have ideas to help you navigate today’s turbulent agricultural economy.

Operating Loans

We offer line of credit operating loans for farmers and ranchers. Each line of credit comes with free management tools, including breakeven analysis, enterprise analysis, and real time cash flow tracking.

Equipment and Livestock Purchase Loans

We offer five to seven year term loans for the purchase of equipment and breeding livestock. We also have term loans available for the purchase of farm vehicles.

Fixed Rate Real Estate Loans

Are you considering expanding your operation or restructuring your current farm debt? At Hershey State Bank we offer long-term, fixed rate real estate loans to meet your needs.

Beginning Farmer Loans

Hershey State Bank works with the USDA Farm Service Agency to provide loans for beginning farmers and ranchers who have been in business 10 years or less. These loans have lower down payment requirements and longer available terms to help you get started in agriculture. Whether you are looking to purchase real estate, equipment, livestock, or annual operating inputs, we can help meet your operation’s needs.

FSA Guaranteed Loans

This program in conjunction with the Farm Service Agency can be a great tool to help your operation weather the recent downturn in the agricultural economy. Hershey State Bank is proud to be a participating lender.


For all of your agricultural loan needs, please contact:

Main Office:

Richard Mustion
Matt Perlinger

North Platte Branch:

Tom Murphy

Commercial Loans

  • Operating Loans
  • Equipment Loans
  • SBA Guaranteed Loans

We at Hershey State Bank work with many different types of commercial businesses, large and small, to help meet their needs.

Operating Loans

We provide operating lines of credit and working capital loans to help give your business the liquidity it needs.

Equipment Loans

If you are looking to purchase new equipment to help your business run more efficiently, we are here to help! We offer five to seven year term loans for the purchase of equipment. We also offer term loans for the purchase of commercial vehicles.

SBA Guaranteed Loans

If you are looking to start or purchase a new business, or to expand an existing one, Hershey State Bank is a participating lender in the Small Business Administration’s Low Doc and 7A loan programs.


For all your commercial lending needs, please contact:

Main Office:

Richard Mustion
Kaye Monie

North Platte Branch:

Tom Murphy

Personal Loans

  • Car Loans
  • Boat Loans
  • RV Loans
  • Debt Consolidations

What is your dream car? At Hershey State Bank one of our greatest joys is helping you purchase it. And for those who love the outdoors, we can also help you purchase that RV, boat, or ATV you have had your eye on. If you already have your dream car, boat, RV, or ATV, and you are looking to refinance or consolidate your debt, we can help with that, too!

We are Lincoln County’s consumer loan specialists. As a community bank, we make our decisions right here and right now. We believe that you are more than just a credit score, and we will work hard to find a product to fit your needs.

Come see what we can do for you!


For all your personal loan needs, please contact any of our lenders:

Main Office:

Kaye Monie
Richard Mustion
Tanner Schwanz
Matt Perlinger

North Platte Branch:

Jennifer Crow
Justin Petska
Anna Stacy
Tom Murphy

Home Loans

  • Secondary Market Mortgages
  • In-house Mortgages
  • Home Equity Loans
  • Energy Loans

For many, owning a home is part of living the American dream, and Hershey State Bank can help you get there. If you already own a home, we can help you make improvements or turn your equity into cash.

Secondary Market Mortgages

Secondary market mortgages offer fixed low rates and long terms. At Hershey State Bank you can get these benefits without losing the personalized service you have come to expect from us. We service all of our secondary market mortgages right here in Hershey and North Platte, so you never have to wonder where to send your payments or who can answer your questions.

In-house Mortgages

We offer several different products for borrowers and properties that may not fit the typical mold for a secondary market mortgage. We understand that challenges may happen, and we want to work hard to find a mortgage product to fit the specific needs of each borrower and each property.

Home Equity Loans

Turn your equity into cash! A home equity loan can be used for so many things – from cars and boats to vacations and home remodels. In many cases your interest may even be tax deductible.

Energy Loans

If you are looking to make your home more energy efficient through new heating, air conditioning, windows, siding, etc., this program offers very low interest rates to qualified borrowers.


For all of your home loan needs, please contact:

Main Office:

Kaye Monie
Tanner Schwanz

North Platte Branch:

Jennifer Crow
Anna Stacy
Tom Murphy