Two Rivers Bank & Trust
Burlington, IA
IDRSSD: 3320781
Total Assets
$1.18B
Latest filing
Total Deposits
$1.02B
Latest filing
Net Interest Margin
3.35%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073900577BURLINGTON, IA
Key People
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Locations
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Main Office
Two Rivers Bank & Trust
222 N Main St
Burlington, IA 52601
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/02/2005FDIC Certificate 433860
Branches (13)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Two Rivers Bank & Trust (Main) | 222 N Main St | Burlington, IA |
| FORT MADISON - AVE L BRANCH | 2501 Avenue L | Fort Madison, IA |
| ROOSEVELT BRANCH | 909 S Roosevelt Ave | Burlington, IA |
| WEST BURLINGTON BRANCH | 1066 S Gear Ave | W. Burlington, IA |
| KEOKUK BRANCH | 115 Boulevard Rd | Keokuk, IA |
| MOUNT PLEASANT BRANCH | 100 W Washington St | Mount Pleasant, IA |
| WEST POINT BRANCH | 504 Avenue D | West Point, IA |
| LEE COUNTY BANK BRANCH | 801 Avenue F | Fort Madison, IA |
Showing 7 of 13
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 05/02/2005 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52601 |
| State and County Number | 19057 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Burlington, IA-IL |
Operational Info
| Number of Employees | 139 |
| Domestic Offices | 14 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 05/02/2005 |
| Primary Insurance Agency | DIF |
| Website | www.tworivers.bank |
| Data Updated | 01/30/2026 |
| CERT | 58013 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.18B |
| Total Deposits | $1.02B |
| Total Liabilities | $1.03B |
| Total Equity Capital | $146.31M |
| Net Income | $3.76M |
| Net Loans and Leases | $871.82M |
| Assets Per Employee ($Millions) | $8.29M |
| Bank Premises and Fixed Assets | $12.93M |
| Cash and Balances due from Depository Institutions | $70.76M |
| Deposits Held in Domestic Offices | $1.02B |
Key Performance Ratios
| Return on Assets (ROA) | 1.29% |
| Return on Equity (ROE) | 10.35% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 59.35% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.427% |
| Earning Assets to total Assets | 93.5% |
Income and Expense
| Total Interest Income | $13.99M |
| Total Noninterest Income | $2.78M |
| Total Interest Expense | $4.89M |
| Total Noninterest Expense | $7.35M |
| Net Interest Income | $9.10M |
| Pre-tax Net Operating Income | $4.90M |
| Provision for Credit Losses | $-364,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $5.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $655.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.67M |
| Total Liabilities and Capital | $1.18B |
Securities
| Securities | $173.43M |
| Available-for-sale debt securities | $157.01M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $16.25M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Two Rivers Bank & Trust?
$1.18B as of the latest filing.
How much are Two Rivers Bank & Trust's total deposits?
$1.02B in total deposits.
Where is Two Rivers Bank & Trust located?
Burlington, IA.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
14.
When was it established?
05/02/2005.
What is the Return on Assets (ROA)?
1.29%.
How much are total loans and leases?
$871.82M (latest filing).
What is the total interest income (latest filing)?
$13.99M.