woman signing a contract on clipboard sitting on desk

Personal Loans

When you need money, we’re here.

We’re Here to Help Make Dreams a Reality

Everyone is different and their needs unique, including their short-term and long-term goals. Maybe you’re looking to own your first home, finally put on that addition to your current home, take the leap into starting your own business, or expanding your current one. Whatever the reason for needing to borrow money from Porter Bank, we have the financial solution you’re seeking.

Applying for a loan can seem overwhelming and ultimately, quite daunting. You might not even know where to start. We get it. However, the experienced loan officers at Porter Bank are here for you! We will help simplify the loan process, ensuring that you fully understand everything – each step of the way.


Personal Loan

Decisions on all loan applications are not made by computer programs…they are made by our experienced lending staff who will consider your individual loan request and offer the best term and features for you! Our experienced staff will guide you through the application process whether it is a simple automobile loan or more complex mortgage financing.



If you are looking to buy a new home or refinance your current home at Porter Bank, you have OPTIONS! We offer In-house and Secondary Market mortgage financing. We will help you determine what the best fit for you is whether it’s Conventional, FHA, or another type of mortgage. Rates and Fees are competitive. Call one of our Loan Officers or begin by applying online.

Apply Today


Home Equity Lines of Credit

Our HELOC, aptly named Home Sweet Equity, is a flexible convenient solution to your financing needs. You can access your HELOC by Visa Card, Check or Online Banking. Use your Home Sweet Equity LOC for home improvements, vacations, anything you need. Great rates and a 5-year draw period make our HELOC a must have for homeowners.

Apply Today


Auto & Personal Loans

Buying a new or used car, motorcycle, or boat. Or need an unsecured loan for personal reasons? Porter Bank offer a great rates and terms to meet your needs. Decisions are made quickly and there are no fees to apply. Fill out an application and drop it off to one of our loan officers who can answer all your questions.


Construction Loans

Thinking of building your dream home? Porter Bank has expertise in construction lending to guide you through the process. Whether you are financing in your name or your contractor’s we are here to help.

We offer a 9 or 12 month Construction loan or a One-Time Close Construction to Mortgage loan. Contact one of our mortgage specialists for more information


Loan Officers


portrait of Jeff Spencer


Jeff Spencer, NMLS#856188

Chief Lending Officer
219-926-2136, x1210, jspencer@porterstatebank.com

Extensive career background in the banking industry, Jeff joined Porter bank in 2011. Knowledge of the Porter County market, coupled with his desire to help individuals meet their financial goals in the most optimal way, Jeff has been successful at helping identify which real estate markets clients would be best suited. With his diverse background on both the retail and lending areas. Jeff is an excellent resource for assisting customers with their overall banking relationship.

portrait of Sheri Zimmer
Sheri Zimmer, NMLS#603218

Chesterton Branch Manager & Business Development Officer
219-926-4422, x1400, szimmer@porterstatebank.com

Sheri came to Porter Bank in 2009 with 30 years of experience in Commercial Lending and Retail Management. Adding to her role as a lender, in 2013 she also assumed the role of Branch Manager of the Chesterton Office. She is known to many throughout the community as “my banker” for the positive impact she has had on her clients. She’s a valuable asset to Porter Bank and to all whom she encounters.

portrait of Dana Hopkins
Dana Hopkins, NMLS#603187

Consumer Loan Officer & Construction Loan Specialist
219-926-2136, x1211, dhopkins@porterstatebank.com

After many years as a loan originator, Dana joined the Porter Bank Loan Department in 2006. She comes equipped with extensive knowledge of the loan industry, including multiple years of construction lending, consumer loans and mortgages. Dana’s customer-first philosophy and attention to detail make her a valuable asset to Porter Bank.

portrait of Christy Adney
Christy Elizbieciak, NMLS#503375

219-874-3425, X1300, celzbieciak@porterstatebank.com

Christy joined Porter Bank in 2018 as business Development Officer and Pines Branch Manager. Christy brings with her more than 26 years of experience in the banking industry. Christy’s background includes both Residential and Commercial lending. Christy’s a life long resident of Porter County and a graduate of Purdue University. She is an active member in the community service local and surrounding area organizations. Christy advocates for her customers and is a great addition to the Porter Bank team.