Terry L. Esch

Executive Vice President and Chief Credit Officer




  • Finance and Financial Economic Degrees, University of Iowa
  • Graduate of Stonier Graduate School of Banking
  • Graduate of the National Commercial Lending Graduate School


Terry has over 40 years of experience as a lender and specializes in Commercial & Industrial and Commercial Real Estate loans. He enjoys being part of helping to bring about a client’s long-term success.


Terry joined SENB in 1986 and is responsible for the administration of the bank’s loan portfolio.  His advice for prospective new business customers is “Be candid and upfront with your lender, be realistic, and have a well-thought-out-and executed business plan.”

Outside of Work

Terry presently serves on the Development Committee of The Arc of the Quad Cities Area.  His past involvement in the community includes serving on the Blackhawk College Small Business Development Center Advisory Board, the Quad Cities Chamber of Commerce Air Service Committee, a Trustee of the Wilbur Burress Foundation, Chair of the Nominating Committee, and a member of the Board of Directors of The Arc of the Quad Cities Area.  In his leisure time, Terry enjoys golf, snow skiing, swimming, and bicycling.

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