Skip to main content Go to Online Banking

Mask Up, Minnesota

Effective 07/25/2020 Community Bank Owatonna will require all individuals entering the bank to wear a mask as required by MN Emergency Executive Order 20-81. See the MN Department of Health for more information.

Bill Pay Maintenance

During the weekend of October 24-25, 2020 CBO will be conducting maintenance on our Digital Banking Suite Bill Pay product. Bill Payments will not be available from 10:00 PM Oct. 24 to 4:00 AM Oct. 25. We apologize for this inconvenience.

Real Estate Investment Loans

Lending a Hand to Landlords

Real estate investment loans are a nuanced, niche market — and we’re the experts.

Our lending team are all Owatonna residents with more than 25 years of banking experience. Best of all, we’re equipped to customize solutions for your individual circumstances and objectives.

We’re looking to partner with individuals and companies with a good credit history, reliable income, strong cashflow, and cash or equity available for a down payment. If that describes you, we’re waiting for your call, visit or email!

Loan Calculator

Your Lending Team

Tim Kluender
Tim Kluender President/CEO About Me
Steven Grams
Steven Grams Executive Vice President NMLS ID: 482932 About Me
Jeff Goergen
Jeff Goergen Vice President NMLS ID: 705780 About Me

Get Started with Your Loan Application

Your Information

Your Address (no P.O. box allowed)
Employment Status
Employer Address (no P.O. box allowed)

Co-borrower Information

Will there be a co-borrower?

Please provide information for the co-borrower, if applicable.

Co-borrower Address (no P.O. box allowed)
Employment Status
Employer Address (no P.O. box allowed)
Some content requires Adobe Acrobat Reader to view.